This is an interesting thread, to hear about medical experiences in different countries.
I live in Switzerland and it's an insurance based system but works very differently fromthe U.S.. Everyone who is employed has to habe medical insurance to the basic level of care (this is conto.led by the goverment, insurance companies cannot offer less, and the price is also controlled by goverment.) you can choose which insurer to go with and then your employer deducts the premiums from your salary and gives them to the insurer. Employwrs don't normally pay any part of the costs themselves, they just have a legal obligation to make sure their employers are covered in this way.
Medical insurance is very expensive, we pay around £550 per month for our family, 2 adults and 2 children, and it can sometimes be a lot more depending on exactly where you live.
Having said that, our overall tax bill is considerably lower. I always think it's a bit funny when people say that the NHS is 'free'. Yes you don't directly pay the costs when you receive the service, but a huge amount of public money goes into it, so people are paying for it through their taxes. It's not 'free'.
To get back to tje original point, we also have a yearly check with a gynaecologist here, for smear, breast check, contraception issues. I don't know if it's always necessary but would rather err on the side of caution. When I had mine in January, doc spent a long tome examining one of my breasts, then said she wanted to do an ultrasound which of course freaked me out but she was able to do it there and then as she had all equipment in her surgery, and was able to give me an all clear. I'm sure in Britain I'd have had to wait a long time for that treatment and would have been imagining the worst horror scenrios in between.
Like in many countries outside the U.K. You generally see specialists a lot more. I go straight to dermatologist for anything skin related, children always to paed. Etc. i am really happy that we have that easy access. It's not hard to know where to go - if you don't have any idea what's really wrong you go to the equiv. of GP, a 'hausarzt' and they point you in the right direction.
I feel very lucky to habe the level of health care we do and I know I would miss it if we lived in the U.K. However, i wouldn't advocate Britain changing to this type of system though - it just wouldn't work as too many people wouldn't be able to afford it.