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Post by Pot Watcher on Sept 16, 2009 15:32:24 GMT 2
How does the healthcare system work in your country? Public/private, combination of both.
I will post later how it works in SA.
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Post by default on Sept 16, 2009 16:45:35 GMT 2
I live in the US. I think everyone knows how it works. But I'll tell you about mine. I have health insurance through my husband's work. The company pays part and we pay part....our share is about $300 per month and covers Mr J, me, and our 4 boys. It covers all doctor visits with a $20 copay Prescriptions $10 Hospitals and testing are more complicated. I have a $500 deductable so I pay that first, then they pay 80% and I pay 20% up to maximum out of pocket for me is $2000. After that, everything is paid 100%. This is per year. For example, my surgery and aftercare last year, I paid total $2,500 but all the bills combined were over $100K. My rehab is all covered with a $20 copay each visit. I'm very lucky.
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Post by Farsibella on Sept 16, 2009 16:53:03 GMT 2
Similar here, but better. To use the same words as Default: I have health insurance through work. The company pays part and I pay part. It covers all doctor visits 100% Prescriptions 70% (cause I am bipolar, otherwise, other people 40%, at least I get something out of this, ha! ) Hospitals and testing they cover 100% I'm extremely lucky.
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Post by shrjeff on Sept 16, 2009 17:13:14 GMT 2
here we have 100% health coverage paid by a progressive health tax which is collected by the social security administration... there are four hmo organizations so that there will be competition between them with open enrollment if one wants to change once or twice a year (can't remember off hand)... the enrollment is done in the post office and the social security administration pays the hmo on a capitation basis... that means that the hmo doesn't know, nor care, if you have paid your tax...i pay about $75 a month... mrs. shrjeff has it deducted from her old age pension so we don't know exactly how much it is, but probably about $50 a month... there is a basket of services which is included for that, plus we pay supplementary insurance of about $50 a month to cover stuff not in the basket of services... we pay a copay of $2 a calendar quarter for our family physician and $6 a calendar quarter for specialists... this commits us to the same family physician and specialist for that calendar quarter and if we don't like him/her we just go to another one the next quarter... we pay no copayment for hospitalization in public hospitals and the supplementary insurance covers most of the costs in private hospitals... meds are $3 for a month's supply... imaging are $6 each and lab tests are free... in essence we really don't need to budget for health care... and the quality is great!
for example, last week mrs.shrjeff had a cataract operation... it cost nothing for the pre-op workup (which included lasering off a secondary cataract on her other eye), the operation and the aftercare visits, $25 for a fancy, dancy newfangled lens which the surgeon recommended (the standard lens would have been gratis) and $6 for the bottle of antibiotic drops she puts in...
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Post by Ethel Mertz on Sept 16, 2009 18:31:56 GMT 2
I'm moving to Netanya!
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Post by siduri on Sept 16, 2009 21:07:51 GMT 2
I'm in the US and am insured through Mr. Siduri who gets it through his work. The details are pretty much what default described. The best health insurance I had so far was in the Netherlands. Similar to what shrjeff has written. Part of the contribution is deducted from your gros salary and I paid about 50€ extra a month. There are several insurances who will offer different packages and you can pay up to I think 150€ extra depending on what you want to be included. Basic treatment is always included, then you can opt for extra physiotherapy sessions, dental care, etc. In 11 years I have never ever paid anyhing for any kind of healthcare service. Well, non-prescription meds e.g. meds you can get over the counter you have to pay yourself. 2 years ago though, they did some reforms because the system is financially not very stable and it has become more expensive now. Still, it has excellent coverage and you really don't have to worry about healthcare bills at all.
The system in the US very much reminds me of the insurance I had in Turkey.
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Post by gringa on Sept 16, 2009 21:32:02 GMT 2
Here people have something like 7.5% taken from their salary for health insurance. How much you get taken out determines how good of a plan you can afford. People can either put the money towards a private insurance plan or FONASA, the state-run health insurer. With better FONASA plans, you can still go to private clinics, but I am pretty sure the cheaper plans generally mean you get seen in public hospitals/clinics. I am a freelancer, so I buy my own insurance directly from a health insurance company.
Those without insurance because they are unemployed, can't work, etc. normally go to public hospitals. If you declare yourself to be indigent, you can get free care. However, the standard of care seems pretty bad. There are constant reports in the news about problems in public hospitals such as babies being given to the wrong parents, people not being told they tested positive for HIV, women bleeding to death after C-sections, towels being left inside patients.
Whatever you do, if you come to Chile, do not let them take you to the government hospital in Talca. That place always seems to have scandals related to poor patient care.
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Post by Grecian on Sept 16, 2009 22:11:47 GMT 2
NHS...Sorted...
Obama is being attacked for being a Black at the moment....in that Oh So Fucking Great Fucking USA Land a few of you live in....
I really do despair of the USA at the moment...
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Post by Ethel Mertz on Sept 16, 2009 22:16:06 GMT 2
...me too. It's frightening!
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Post by Grecian on Sept 16, 2009 22:22:39 GMT 2
x...
I really don't get you merkin Twats at the moment....Are they Right Wingers and Trailor Trash?...
FFS!...Fucking have the Free healthcare....You fecking Mentaloids...
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Post by Ethel Mertz on Sept 16, 2009 22:52:47 GMT 2
FFS! Go to bed.
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Post by Grecian on Sept 16, 2009 22:58:00 GMT 2
...Yeah...maybe I'll start giving you intimate details about my Partner's embryo?...
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Post by Tilly Star on Sept 16, 2009 23:30:01 GMT 2
Bed!
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Post by Grecian on Sept 16, 2009 23:43:13 GMT 2
Interesting; I thought.....
Oh well!
Another sun goes down over the Meeting Pot.....
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Post by happytraveller on Sept 17, 2009 7:54:44 GMT 2
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