Must you guys and gals that live in usa pay for the treatment yourself?

Yes, we have to pay. If we have good health insurance, that will cover most of the cost. People with more basic insurance have to pay a lot of the cost, and if you have no insurance, you have to pay the full cost.
How is it in Norway?

You only pay like $40 yourself and the rest is free. There is no insurance for healthcare here.

That's how it should be, in my opinion. It's nearly the same in Britain (where I grew up). You can buy insurance and use private doctors and hospitals if you want to, but the National Health Service is free for everyone. I wish we could have that here.

Well i wish there was better private options if you did not want to wait to long. But the private section is most for plastic surgery.

I live in California and I think I paid $1k for my $5k surgery.

Norway, being about the 5th richest country in the world, with a relatively small population, might be the reason that medical treatment is almost free. I lived in Denmark, and a similar situation existed there.

I am on Medicare and the cost for surgery was 10K at hospital which was covered, and I have to pay other bills amounting to around 1K, but are not all counted yet.

Well norway dont use all there money on war.