I have to pay twice if I want adequate health care; high taxes and insurance. Your narrative is ruined by that.
There are lots of drugs and treatments that you can't get on the NHS but can get privately (insurance and/or self-pay). This means the government agrees they are safe and effective, but they don't want to pay for it. This list grows bigger all the time. I gave some examples earlier, but my sciatica won't be treated properly because the surgery is no longer allowed on the NHS. Nope, I have to do injections 4 - 6 times a day to deaden the nerve. Quality of life doesn't mean shit to the NHS/government and that's why they keep adding those things to the list they don't cover.
The UK state loony bins are part of the prison system or they are private. The guy who killed MP Jo Cox should have been in a loony bin, but he and his family couldn't afford it and he wasn't sent to one in a criminal court. Well, now he's in one for murdering an MP. Many times, people sent to prison loony bins are let go due to overcrowding and are walking free within a couple of days.
"Care in the community" is the current fad in the NHS. Rather than keeping people in hospitals, loony bins, etc, etc they put them back in the community and hope some charity or local council will deal with them. This is costing the local councils a fortune and so council taxes have to go up to match the costs or we lose services.
As the NHS is part of the government, they rubber stamp things that most medical groups would reject outright. We see this with trash incinerators. The NHS rubber-stamped an incinerator in my area that will be put right next to an elementary school and the plum plotter shows the smoke will blow into the neighborhood.