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1. Health insurance (additional)
The first EUR 155.00 that will be spent on medical bills is for your own account. The insurance company will claim this money back from its client. Some things are exempted from this: GP, part of medication, among others.
Example: I collect my medication every three months with a recipe. Afterwards, I get billed by my insurer for a part of it. Until I reach the EUR 155.00 limit. After that, no more billing.


5. Pharmaceuticals
Almost all medication is prescription-only. Some basic material is available without a recipe ('weak' painkillers, anti-cough, anti-diarrhea, etc.)
You won't get a prescription for something you don't need (in the doctor's opinion). If I was to go to my GP and ask for some serious sedative stuff, he would frown, start asking questions and, in the end, send me home with some paracetamol. In general, GPs tend to be reluctant in prescribing medication. If you need it, you'll get it, but nature will have to take its course as well. If I have the flu, I won't get anything.
Prescription medication is free of charge. Go to a pharmacy with the recipe, they prepare it and 10 mins later you're on your way.

6. Prevention
Everyone over 60 years old and people suffering from heart- or long-ailments get a free vaccination against influenza every year. This year, the government ordered 24 million vaccins against the H1N1-virus, so when the time comes everybody can get two shots to be vaccinated.
Birth control medication is partly covered; abortions as well (I think).
There are probably more free prevention programs that I don't know about.

I'm pretty comfortable with how things are arranged here. In my experience, I get the care I ask for or need. It ain't always perfect, but that can't be expected when it comes to health care.