Many believe that the US healthcare system is the best in the world. Not so according to the World Health Organization’s ranking of the world’s health systems. The US doesn’t even rank in the top 25. It ranks 37th and is the most expensive in the world. I would argue that even if we had the best healthcare system in the world, what good is it, if no one can afford to access it.
Most companies are buying 60/40-policys for their employees these days, but even if you are lucky enough to have good insurance with 80/20-policy coverage, that 20 percent your responsible for can drive you right into bankruptcy as easily as the 60-40 policy given the cost of healthcare.
Insurance cost have been going up dramatically in the last two decades, long before the new Affordable Healthcare Act has taken affect, in some cases as much as 35% per year.
But have you noticed the latest trick the insurance companies have roll out?
Yes, Higher Deductible… most averaging $5,000 per year, per person, but I have seen some as high as $10,000 per year. For those of you that are wondering, this tactic is specifically designed too stop you from using your insurance. It reduces the insurance companies out of pocket liability by shift costs onto consumers, especially those dealing with chronic illness such as diabetes and arthritis. Consequently, because consumers can’t afford the deductible they will avoid necessary care to save money.
Although insurance companies are a problem, the real crocks is the healthcare system it self. A corrupt and bloated system desperately in need of reform!
This is ridiculous…
Ok, so, when I was 10 I broke my arm (actually a really funny story but so not the time). I didn’t realise I’d broken it until the next morning when it was twice the size it should be and vaguely purple. My parents totally freaked and took me to A&E (The ER to you lovely non-brits) I got to sit in the waiting room for a bit, colour in, talk to the nice triage nurse, get a couple of x-rays, then they put it in a cast and I got to pick a colour. Then they sent me home. I had outpatient appointments to make sure it was healing properly, a weird plastic cast ‘wrap’ for bathtime, and eventually they took it off with a cool saw and decided whether I needed physio for muscle degeneration (I didn’t).
How much did I pay? Nothing, not one penny, my parents didn’t get a bill, I didn’t have to pay for pain meds or extras, it was all done for free at the point of access.
Sure we pay for the NHS, with taxes but is it an extortionate amount? I will say that I couldn’t find a lot of concrete numbers for this but using this article x
So, for an individual income of £25,500 (about $43,000) the amount of tax that goes to the NHS is £1,094 (approx $1800). That is in 1 year.
You earn less, you pay less tax. You earn more you pay more.
On top of this you pay just over £7 ($11) for a prescription, most medications are one charge, some are two.
(NOTE: This is for England, Wales and Scotland are different)
You are exempt from prescription charges if you are pregnant or have given birth in the last 12 months, a child (under 16), 17/18 and in full time education or over 60. You also may qualify if you’re on certain benefits but that gets complicated.
So, when I see posts from Americans saying ‘we don’t want free healthcare, just affordable healthcare’ why the eff would you not want free healthcare, why set your sights so low? Go forth and ask for national health service, sure it isn’t perfect but it’s bloody good value.
Those bills are staggering. What the fuck america.
The amount of times ive spent hours in A&E just for menial things. id be broke for no reason
As a T1 Diabetic I’d literally not be able to afford to live in the US
Same here in Italy. Our NHS is not exactly the most efficient in the world, yet, unless you go to the Er for very menial things (and it was entirely my fault, you’re supposed to have a general practitioner if you’re living away from home) you’re not charged for major things, ranging from a broken bone up to surgery.
And if you’re a senior citizen, or affected by a chronic disease, you can get the medications you need for a very small fee, or none at all (if you qualify for that). Plus, I’m almost sure that pre-natal care in state hospitals is free of charge too.
(You still have to pay for your medications, in many cases, but usually you can choose between the “branded” ones and the generic ones, named only after the molecules/the substances in them, and they’re cheaper) (i.e. My birth control costs almost 20 quids if I choose the one made by Bayer, but only a tenner if I choose the equivalent, non-branded one).