I guess you went private Rufus2
Unfortunately, yes! I've regularly considered dropping it, or reducing my level of cover, but now I've reached the naughty 90s I'd be an idiot to do that. 
My dear departed Vera wouldn't allow me, partly because she worked as a medical sec. mainly for ortho. surgeons and so was aware of sonsequencies of "old age". No! They didn't offer Senior's discounts; all I learnt is that "bone- men" are called "mister", not "doctor"! Another thing is "The List". Make sure your name is on that I'm told.
Obviously one big advantage of "private"is the service. He'll say" I recommend a TKR" and I say "When?" and he'll say" How about to-morrow? 
I'm the biggest procrastinator regarding invasive medical services and I prefer to "think about it." at least for a day or two.
My "private" premiums are about $2,000 pa which covers upper- level hosp, as an in-patient and a collection of ancillary out-patient services such as dental, optical, physio. etc.
Many GPs also offer what's called "bulk billing" whereby the Govt picks up the tab, leaving the patient with no out-of -pocket expenses.
My last visit to the UK a few years ago was when my Brother was dying of pancreatic cancer. He finally moved back home from hospital and I was impressed by the palliative home care provided by Bupa.
I've no idea of costs, premium or any on-going expenses. 
I can't squander my hard-earned on the joys of life anymore so now it goes towards my annual subs. to the medical profession.!
Seems like you are treading the same path and I know you won't be sorry afterwards.
So Good Health and Good Luck.
OoRoo
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