You are probably right.
As for the German health insurance system, it's semi-private/semi-public: Unless you are entrepreneur, it is compulsory to have an insurance, but you can chose to either take a private insurance (which is rather expensive and covers various treatments the public insurance doesn't cover), or you get a public insurance by default, which covers only the basics.
Many Germans complain about this "two class medicine", as people with public insurance often get worse treatment and worse doctors, and are more often required to spend more for extra payment, than those people with a private insurance. On the other side, the people with a private insurance not only get "luxury treatment" by doctors, but are often running the risk of being talked into many nice extra treatments that are covered by the insurance, but aren't really medically necessary (lack of efficiency). Doctors can make more money with private patients than with public patients.
So the system here is far from perfect, but I think in international comparison, it's not bad after all.