I decided to make this thread as this a question has bugged me for a while.
Firstly, I will tell how things are in my country. Every month about 9% of my taxes go to universal healthcare, more from me as I am smoker and drink
every once in a while (these sin taxes go to healthcare fund as well). There are some private clinics, although every hospital is owned by the
government, which means the doctors are government employees. Their salaries are on level with specialists salaries in private industries. Whatever
doctor one needs to see, the maximum pay is about 7 dollars (only first seeing). The waiting times are reasonable, depending on urgency. For example,
I had bad knee injury once. I had to wait 2 weeks and the doctor who did the surgery, is the doctor who treats national teams, olympic winners, in
other words highly skilled specialist. Unemployed people, who are not actively searching job (registered as unemployed, who need to see unemployment
office once in a while and prove they are searching for job) only get healthcare from emergency service for 7 dollars, for other doctors they have to
When I look at American system, I truly do not understand it. The insurance companies- the middle men, take extreme amounts. The insurance does not
cover everything, there are high deductibles and what is even worse, one might even get denial by insurance. I have lived in US for some months. A few
stitches would have cost me 700 dollars. An acquaintance of mine got into car accident and owed 80,000 dollars. In the end, when one has issue, the
costs can go extreme.After all, health care is one of the areas which causes the most individual bankruptcies.
What I do not understand is the hatred for government services compared to private ones. In universal healthcare, the doctors get paid reasonably
well, everything is covered, while on the other end, the private insurance has high monthly pay, high deductibles and they can even turn down your
insurance claim. I have no statistics, but in the end,there is probably large amount of Americans, who pay 9 or even more % of their salary to
insurance, but still you have the deductibles, everything is not covered and there is even possibly of getting denied for insurance you paid for. In
the end, whether something happens or not, the cost is probably in even higher than 9%. If something happens, depending on one´ salary it is very
likely to be higher that, significantly higher with the possibility of personal bankruptcy.
In my eyes, in the end, private insurance is likely to cost far more than 9% of one´s salary, especially when emergency happens and deductibles come
in +possibility of having one´s claims denied. Why risk it...
I personally believe healthy society is a better society. Not being able to see a doctor when problems arise and just trying to walk it through leads
to loss of productivity at work and when condition goes worse, it is likely to cost much more in the end than treating it immediately, if not
suffering till the end of life because the person saw doctor too late.
edit on 7-7-2018 by Cabin because: (no reason given)