Same in New Zealand. Free for under 18, but after that you have to pay. However, if you have an accident and need medical care, it's covered under the government. If it's due to negligence, then, well, you're responsible.

When I was a child (8 or 9, can't remember) I chipped my front tooth on a trampoline. All my checkups, x-rays, caps, etc., and eventually a root canal and crown were covered, even 10 years afterwards.