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Additional Details
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rache0116 | What do you think of the advantages and disadvantages of health insurance in the United States? |
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mbrcatz
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OK, an American friend of mine who moved to Canada sent me a little email the other day . . . here's a bit from it, copy/pasted - stuff you DON'T worry about in the US:
"I think its frustrating that the system is so screwed up in Canada. I'm thinking of righting a letter to the producer of "Sicko" (Isn't it Micheal Moore?). Apparently he glorifies the Canadian healthcare system in it... if he only knew what Canadian's (esp. in Quebec) actually face he'd think the US system was incredible! I actually know of people who die having heart attacks in waiting rooms, and many women have miscarriages waiting to be seen by triage! Its pretty crazy. . . . You can sue for malpractice up here but it is excessively rare (and has a limit of $100,000, which doesn't begin to cover the lifetime needs required by her new baby) . . ."
Another friend of mine has a deaf child, the wait for a hearing aid up there is between 18 and 30 MONTHS.
You REALLY don't have that problem here.
Proof that the US has the best 'system' in the world? All the heads of state and the very rich from around the world, come HERE for treatment and care. Sure, it's not perfect, but you know what? It's the best that's out there. |
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mamatohaley+1
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Advantage - ability for me to seek timely and affordable care from medical professionals. |
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martyn.whitby
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The advantages would have to be we have some of the finest physicians and facilities in the world.
The disadvantages are that developing "The best" is expensive. Doctors and hospitals are a for-profit business in this country. Insurance is expensive, mostly because the average cost of care keeps increasing.
The biggest problem in my opinion is in the way we distribute both care and insurance. Unfortunately, there is no single answer. Change would require many radical approaches.
Here is a conversation starter: What if medical insurance became an individual responsibility like auto insurance? |
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Inundated in SF
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If you are lucky, you work for a company that provides fairly comprehensive health coverage with the company paying the greater portion of coverage (at one point in time, the company covered all the cost but those days are gone). You get health care you could not otherwise afford yourself. My company does this but they factor in that coverage, along with other services provided, into their paper account of what they are paying you so you may only be making $30,000 but the company says they pay you $50,000 (hypothetically). I've opted to pay a greater per visit amount to be able to choose my own doctors and I get very good care, medical, vision, dental, even drug counseling and emotional/psychological therapy if wanted/needed. But it all ends as soon as I terminate/am terminated (allowing for COBRA). Also, being an at-will employee, no matter how long I stay with the company it will not continue after retirement (all the executives get healthcare for 20 years or more after their retirement). And when I am no longer employed with an employer who offers healthcare coverage, I probably won't be able to afford individual healthcare coverage myself. It is one reason I put up with so much of the #@X* at work. It is also one of the major things I worry about for retirement. Even if you do all the recommended things to save for retirement, one broken hip or medical emergency can wipe out all of your savings and leave you, old and broken, with nothing. Growing old doesn't scare me; being old and poor does. |
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Belle
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Worst - financial incentives for the insurance companies, pharmaceutical companies, hospitals and doctors to direct how medical care is given and to whom. They just have too much power. |
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STAN C
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it does not help seniors at all we can't afford it |
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