It may be worth mentioning
NICE (National Institute for Clinical Health and Excellence) - they decide what treatments the NHS can offer.
I'm not sure if insurance systems like the ones in the US would offer a broader range of treatments; but NICE sometimes make controversial decisions that the NHS won't offer some treatments, because the benefits don't outweigh the costs.
http://www.pharmatimes.com/UKNews/article.aspx?id=16113
This may become more of an issue as the recession bites.