Belgium also has private nonprofit insurance providers. The costs and services covered are identical for all of them; this is mandated by law. I have no idea what people perceive to be the difference between them, but there are five of them.

It is also possible to obtain supplemental coverage through private insurers to offset those costs which the compulsory system does not cover; as far as I am aware, this includes extra costs associated with hospital stays (e.g., if a patient wants to stay in a private room), orthodontics, and "alternative" (i.e., non-evidence-based) treatments.

Thus far I am quite happy with the health care my family has received, and we draw on the health care system rather more than most families do. (I would rather we did not have to, but that is the hand we have been dealt.)