>>I wouldn't use either medicaid or medicare as an example...
>
>Even if they are as bad as the story circulating about them, how is it possible that I've found that about the 2% overhead? Somehow doesn't seem to belong into the same universe.

Abuse is not included in this 2%. I can give you an example: every medicaid patient over certain age gets a car trip to go to doctor office or hospital (often located few blocks away with public transportation widely available). Medicaid pays $100 for the trip. Rhetorical question: is it included in 'overhead'?