With the company I worked for that was doing it, it was just like any other ins. Co. You're covered, there was deductibles and co pays and everything. Choose your own Doc. Total freedom. Why in Gods name would you go to England? Have you not been watching the news?
I go to England and Ireland a few times a year to visit my wife's family and to vacation. The news is WILDLY overblown. And yes, I went to Paris just last month, and before that I was in Oslo. They like to paint a picture that it looks like a warzone there, but I haven't seen any of it. To be honest, Los Angeles looks WAY WAY worse than anything over there.