People say 'Europe', speak as if their experience is the same across the continent, and anyone with a different experience is somehow not in the Europe they mean. It's very annoying.
European healthcare is run very differently across the continent. 'Insurance' can mean a [state] social insurance institute that the doctor must bill. Some countries would employ the doctor directly as part of a nationalised health system. Some places it might be the municipality or city that would then get some subsidy from central government. Some it is a mix of all of this. 'Free' healthcare might actually mean a few hundred Euros, or literally nothing.
This! We went to a pediatric dentist with my kid on Monday, with a referral from another dentist, both private. After small talk, their first proper question was: "Do you have insurance?". Before I could respond, my wife responded affirmatively. Insurance here in Ireland means private insurance. After an x-ray, we were presented with a menu of treatment options ranging from around €2k to €5k.
Later I requested the clinic to share the x-ray with me and consulted with another pediatric dentist from another EU country. His assessment was completely different, and recommended very minimal intervention.
European healthcare is run very differently across the continent. 'Insurance' can mean a [state] social insurance institute that the doctor must bill. Some countries would employ the doctor directly as part of a nationalised health system. Some places it might be the municipality or city that would then get some subsidy from central government. Some it is a mix of all of this. 'Free' healthcare might actually mean a few hundred Euros, or literally nothing.