Cost of Cancer

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  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited May 2009

    Brenda, consider the source of some of the reports!Tongue out  Not only are some news networks and newspapers heavily biased, but there are also Canadian docs whose goal in life is to promote 2-tier healthcare (the former head of the Cdn Medical Association being one of them).

    Cheers, Linda

  • Beesie
    Beesie Member Posts: 12,240
    edited May 2009

    The other thing to keep in mind about the Canadian system is that it's based on need.  So it's not difficult to find someone who's been waiting a long time for a non-urgent or elective surgery.  For example, because I was having immediate reconstruction, I was able to get an appointment to see the best PS in the city in about a week.  My reconstruction was taking place at the same time as my cancer surgery, so obviously that couldn't wait.  But at the same time that I was getting my appointment so quickly, anyone else who'd had a mastectomy already and then wanted to have reconstruction with this same PS would have had to wait 9 months to get their appointment.  That might not be acceptable to some people, but personally I'm fine with it.  I don't want those with money or influence to jump the queue, causing delays in treatment for those who really need it.

    I often chuckle at the examples of the Canadian medical system that I see written up in the U.S. press or even on this site.  For example, I've seen complaints that certain drugs are not covered by the government and patients have to pay out of pocket for these drugs.  What this means is that if treatment is taking place at a hospital (where all required drugs are provided at no cost) or if the patient is on a government sponsored drug program (for the elderly or income-based), some newer drugs, while approved by Health Canada (the Canadian equivalent of the FDA) might not yet be approved for these programs. What this also means is that for these drugs, the Canadian government has not yet come in to negotiate a lower price and create a price cap.  So if patients want these drugs, they have to pay for them themselves (or have supplemental insurance to cover the costs), at the full list price.  Isn't this awful?  But wait... in the U.S., don't patients or their insurance companies have to pay out of pocket for all their drugs? And aren't all the drug prices "list price"?  So it makes the news when selected drugs aren't covered in Canada but this is a problem only in the context of a Canadian system that usually covers and/or negotiates down the costs/prices of drugs.   

    I also remember seeing an article posted here about a situation where a patient in Canada was flown to the U.S. for treatment.  Isn't it awful that the Canadian healthcare system couldn't treat this patient?  But wait...this patient lived in a remote area and required very specialized treatment.  Although this treatment was available in larger cities in Canada, the closest location where this treatment was available was in a city across the border in the U.S..  So the Canadian healthcare system paid to fly this individual to this U.S. hospital and paid for all the treatments there.  Yet this was presented in the U.S. media, and here, as an example of a failure on the part of the Canadian system.

    My suggestion is simply that whenever you read something bad about the Canadian system, read it with a critical eye.  And keep in mind too that no system is perfect.  Over 22,000 women will be diagnosed with BC in Canada this year.  Will it be difficult to find 1 or even 100 or even 1000 women who are not satisfied with their care?  No, probably not.  But if 1000 women are unhappy with their care, that represents less than 5% of all patients.  Any system in the world would be delighted to have only 5% of their patients dissatisfied.  I'm not suggesting that the approval rating for the Canadian healthcare system is that high - it's not - but my point is that even in the very best healthcare system, it would not be difficult to find people who are dissatisfied.

  • Brenda_R
    Brenda_R Member Posts: 509
    edited May 2009

    Herceptin. Yes I know something about not being able to get due to cost, but my experience was right here in the good old USA. My insurance company which had been very good at paying for all my other treatment, decided they would only pay the rate that herceptin cost at their pharmacy supplier. That left me with a co-pay that I couldn't afford. I'm thinking, what the heck? I get 3/4 through my treatment and now I won't be able to get the very drug I need to save my life? I talked to the cancer association and they couldn't help with that high of cost either.

    So, here I am. We make too much money to get help (medicaid) and nowhere near enough to pay the co-pay.

    I only got it thanks to my Onc, who wrote off my part of the cost. $1200 every 3 weeks, times 17!  Otherwise I probably wouldn't be NED today, and that's with good private insurance.  

    My son had BCBS and they did everything they could to deny, deny, deny. 

    They left him with a $5000 scan bill because they found that he didn't go to a followup appointment at the eye doctor a year after he first saw him. Scam if you ask me.  I'm appalled to see the CEO of Blue Shield(?) of California on the commitee to come up with the new health care program. 

  • Octobergirl
    Octobergirl Member Posts: 334
    edited May 2009

    2tzus,

    This is not a political discussion for many of us in this support group. It is a major treatment issue. On this thread we have heard from women who CANNOT get the treatment they need for this awful disease, people who live with the daily fear that they will LOSE their insurance in the middle of treatment,  women who didn't get early diagnoses because they knew they wouldn't be able to afford treatment or that it would jeopardize already inadequate insurance coverage, women who had to become indigent in an attempt to save their lives and women who don't know how they will afford the years of followup required to monitor this mean little disease that has a way of showing up again despite our best efforts. 

    It seems you have the luxury of reading these ladies' stories from a distance and dissing the concerns/fears/stresses as "a political discussion"...obviously you aren't living with these fears....at least not yet.  As the  years wear on and  when it happens that your insurance landscape changes your abiltiy to pay for treatment and/or  followup to keep at bay any cancer cells which may still be in your body, let me assure you the way you can access and use insurance will be way more personal than "a political discussion". 

    In the meantime, I think we need to listen to one another and recognize and validate one another's struggles.  Personally, worrying about the insurance/payment conundrum is much more stressful for me (and where I need some compassionate support) than worrying about losing my hair....and I am grieving losing my hair. 

    I'm not going to let people who feel as you do label and try to censure the issues I bring to this group. I am putting a lot of time and energy into advocating for healthcare for ALL citizens; it is one thing I can do to empower survivors of breast cancer.  I think we need to be educating ourselves about the critical condition of our healthcare system and how it is affecting millions of Americans including many breast cancer victims everyday. We need to rally empathy for others whose situations are not as fortunate but who, nonetheless, have to wage the same ongoing physical and emotional struggle against this disease which has a way of never completely leaving one's life. .We don't need to scare people with wrong or incomplete or hide behind the excuse that there is no perfect answer to minimize the scope of the problem. That is exactly what the insurance industry hopes will happen.

    I don't believe our government makes a mess of everything it runs. It has NOT made a mess of providing our senior citizens with Medicare coverage. While not perfect, it is a remarkably comprehensive and efficient system, especially given the limitations imposed on it because of the lobby from private for-profit pharmaceuticals. It is much fairer than the private insurance industry and one has a sense that Medicare exists to act in the best interest of the patient....not so with private insurance.

  • AccidentalTourist
    AccidentalTourist Member Posts: 365
    edited May 2009

    The truth is no system is perfect and they all have their good points and bad points.  From where I stand I am grateful I did not have to worry about money at all when I was diagnosed.  It was all done competently and completely free.  HOWEVER, the follow up is almost non existent and this is where UK system fails its patients.  It is almost as if they think that anything but yearly mammo is not worth the cost.  I have to confess that I read about the MRIs, blood tests, bone scans, CT scans etc with envy.  Since I finished my treatment in September 2008 I have had one visit to oncologist who did nothing except talk to me.  I have various nigling pains (rib pain for example) since the treatment which are completely bearable but I have no idea whether I should worry about them or not as no scans have ever been done.  It would be best if people who make decisions about these things research various health systems and come up with the best combination although I have a horrible feeling this is too optimistic on my part.

  • Leia
    Leia Member Posts: 265
    edited May 2009

    I find it interesting that no one on this main stream post (or even on the alternative board) said ANYTHING about my post,here. Where I said:

    "Yet, why I find it also, welcome. Because Obama's Universal health care will NOT be able to afford, all of these bullshit treatments. i.e. Double Mastectomies, for women with DCIS. Which is not even a "cancer." It's a pre-cancer.

    Those treatments will be the first to go, away."


    And I think that's great.


    Join us, on the Alternative thread. On this board. Where any number of alternative remedies can prevent (and cure) cancer.

     
    Without all of these expensive (and mostly pointless) "treatments."


    Mine is the Flax Seed Oil/Cottage cheese. The Budwig Protocol. I feel the best in my life, than I've ever felt.


    It's quite, remarkable."


    In my view, fighting the "Cost of Cancer," is just not getting cancer, to begin with. Which is what I'm doing, with the Budwig Protocol. Eating, healthy Omega 3 oils, prevent ALL cancers.


    What, do the women on this board think that breast cancer is the ONLY cancer they will ever get?


    That is the fallacy, on this entire board. So many women will do EVERYTHING, to prevent their breast cancer, from coming back. ALL of this CHEMO and DRUGS and BREAST RADIATION and CUT YOUR BREASTS OFF, ad nauseaum.


    It's all just .. a fallacy. We all have a substantial amount of body organs, that can fail. Why are you focusing, on this one body part? The breast?


    The Budwig protocol focuses on the entire body. Eat the Omega 3's, make the BODY healthy.
    It just makes sense, to me.


    And the Budwig Protocol will not only let me combat any future breast cancer recurrence, but also any recurrence of my Leiomyosarcoma cancer. Or ANY cancer of any other part of my body.
    Hey, if we all just ate a diet rich in the true Omega 3's, the Budwig Protocol, and didn't eat all of this crap food that everyone DOES eat. nobody would get any cancers.


    But then, NOBODY wants that to happen. ALL of those radiation techs/docs and chemo techs/docs, OUT of a job. If everyone just ate, right.


    But then,  everyone WANTS their french fries.


    Well, I'll shut up.

    But for me, in the end. It's personal responsibility.

  • Katalin
    Katalin Member Posts: 230
    edited May 2009

    Leia, some of us don't see it so black and white.  If I've got a heart attack or cancer or need an organ transplant, I want western medicine.  When I want to learn more about diet, or things my western physician doesn't understand or appreciate, I see my naturopath.  I went to school for two years to learn how to be a carpenter.  Why would I think that I could suddenly be an alternative nutritionist for myself?  I trust the naturopath to have done all this research and study...If I was differently inclined, I might see a Chinese medicine practitioner...but I'm not so inclined.  But I do respect that tradition.

    I do not eat french fries, I do eat flax and the 4 or so supplements my naturopath recommends. I also make my own sauerkraut and eat really well.  But this healing path is complicated, and I'm pretty sure that everyone who is here is making the best decisions they can with the information and resources they have in hand.  Some would say that your protocol is not sufficient either, and that you're crazy to eat milk products of any kind....(not my personal opinion)...so go a bit easy on us, there!  We all take responsibility for our lives, and are pretty personally involved with our decisions,  I'm pretty sure!  Good luck with your path!

  • Beesie
    Beesie Member Posts: 12,240
    edited May 2009

    Leia,  I suspect that no one responded to your earlier post because no one wanted to start up yet another back-and-forth battle.  There have been too many of these lately on this board.

    I won't comment on your previous post either - which is not suggest that I either agree or disagree.  But I will say that like Katalin, I don't see conventional vs. alternative medicine as a black and white issue.  With my family history and my own personal health history, I'm pretty sure that my bout with BC won't be the only cancer that I will face over my lifetime.  And that's part of the reason why I wasn't compelled to have a bilateral mastectomy - I'm high risk for BC but I have no reason to believe that the next cancer I face will be breast cancer again, so why remove a healthy breast?  Having said that, it didn't mean that I didn't want to do whatever I could - within conventional medicine - to treat the cancer that I already had.  But of course it also means that I want to do whatever I can to prevent not just breast cancer but all cancers.  And here's the dilemna I have.  What do we really know?  Have any of the alternate treatments been studied enough to know what is good for you and what may be harmful?  It's commonplace to hear one year that we should take Vitamin XYZ to prevent cancer and then hear the next year that too much Vitamin XYZ causes cancer (or something else).  And then there's the problem that something that might be good for preventing one type of cancer might lead to another type of cancer.  One member of my family has had cancer and currently has a number of pre-cancerous conditions.  He used to eat flax seed and cottage cheese daily until he found out that a high dairy diet actually increases the risk of one of his cancers.  Oops. 

    So yes, I am very aware that breast cancer is not the only cancer that I will ever get.  I do try to maintain a healthy diet and I do take supplements. I hope that I can reduce my risk but realistically I doubt that I can prevent another cancer if I'm genetically predestined to get it (and genetics are much more than just the BRCA mutations).  So I maintain a careful screening process and I hope that if I am diagnosed again, the medical community will have the treatments I need to survive. 

  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited May 2009

    Hi all:

    I have a couple of additional thoughts on the economics of breast cancer.  The first is that, no matter where you live, and regardless of your country's health care "system", every such system is beginning to undergo enormous stress.  Those of us born soon after WWII - the baby boomers - are reaching the age where bodies tend to start breaking down and requiring health care, surgeries, medications etc.  The demands on the system will only increase, as more of us are treated and live longer.  Could this mean that companies will be less likely to offer health insurance to their employees?  Certainly insurance costs will increase at a faster rate, and there will be more and more exemptions to coverage.  In countries with universal healthcare, taxes will have to increase to accommodate these additional costs.  And we'll just all have to get used to it, folks!

    The second thing is this:  There are enormous benefits to living in a free-market economy, but they can be accompanied by enormous costs.  Giving free passes to the medical profession, the drug companies, medical equipment manufacturers and health insurance providers to make as much money as they can from the misfortunes of others is surely a detriment to society as a whole.

    I'm quite sure that the U.S. is not the only country looking at health care reform.  Every western country must be reviewing its health care policies. We cannot stay static.

    Linda 

  • Triciaski
    Triciaski Member Posts: 145
    edited May 2009

    Currently in the U.S., COBRA insurance coverage (that's continuation of benefits for people who have lost their jobs) is being subsidized by 65% by the government. That means the unemployed person pays only 35% of what the usual premium would be for COBRA. That "benefit" is part of Obama's stimulus package. (I know because I am on COBRA and I received an incomprehensible from the government offering this benefit to me -- I had to call my COBRA administrator to figure out what it meant.)

    I wonder, even with this generous subsidy, how many unemployed people are taking advantage of the offer. No one enjoys shelling out money for any kind of insurance, but because health insurance is not free in America, people need to be willing to spend some money on it -- just like they need to do for car insurance or fire insurance if they have a mortgage. Many people simply are not willing to spend that money, and many of those people end up suffering because of it.

    As Vivre said, there is no free lunch, and there is no free healthcare. Someone has to pay for it, and I would rather be responsible for paying for my own insurance, rather than paying indirectly through increased taxes, and in return having choices and knowing what I'll be getting.

    Tricia

  • Titch
    Titch Member Posts: 141
    edited May 2009

    Wow, I am really shocked at the cost of treatment elsewhere in the world.

    Here in NZ, we are fully covered by the Govt health system - government pays.  The government even has a free initiative "Breast screening programme for 45 - 70 year olds, where they complete mamograms in the community with all woman of that age group)" The Govt Health system will provide everything, but pre diagnosis you have to wait .

    A person  has a choice to go private.  Private you pay (can be paid by insurance) and is more instant, and they have more luxtury within the hospitals - get served wine with yoru dinner etc.

    I went private initially, my first ultrasound cost $100.  I was quoted $400 for a fine needle biopsy.  But went back to my GP who referred me to a free Laboratory where I undertook the biopsy.  With these completed, I was referred to the health system.  I had to wait 6 weeks.

    Once in the health system, I saw cancer clinical nurse, a surgeon, mammogram, ultrasound, had the ultrasound with core biopsy pre diagnosis. I was diagnosed last wednesday, I have already seen oncologist, and surgeon.  Next week, I have a CT scan, bone Scan, Echo test, wig lady and start chemo.   I will be having a masectomy, radiation, further chemo (post op),  reconstruction and hormone treatment.  All of this is free. The health system even reimburses my travel costs.  I have only paid $18.20 for my anti nausea tablets. 

    So far my cancer has cost me $118.20.

    I will never complain about our health system again!!!!  

  • Anonymous
    Anonymous Member Posts: 1,376
    edited May 2009

    It's interesting...I also have Medicaid through the state of Michigan (through the Breast & Cervical Cancer Screening Program) and the only thing I've had to pay for is a $3.00 copay for any ER visits...it seems that a whole lot of people in our nation are turning their noses up at government insurance, but when it covers pretty much everything, I would jump on board in a Tokyo minute. 

  • otter
    otter Member Posts: 6,099
    edited May 2009

    This is a great thread. I am keeping track of the cost of my treatments, but I don't have everything added up yet so I'll come back with that, later.  As for health insurance, I think it's unfortunate that we all have misconceptions about each others' situation. For example:

    Beesie, you said, "But wait... in the U.S., don't patients or their insurance companies have to pay out of pocket for all their drugs? And aren't all the drug prices "list price"?"

    The short answer is, "No."  There is a wide range of drug coverage policies offered by insurance companies here in the U.S.  Some policies have fantastic coverage at very low cost to the patient/policy holder. Some policies offer no drug coverage at all.  Most policies that have drug coverage use a "tiered" system, in which generic drugs can be obtained at the lowest co-pay ($5 per month for me), "preferred" brand-name drugs are in the middle ($30 per month for me), and "non-preferred" drugs cost policy holders the most ($50 per month for me). 

    The point, of course, is to encourage policy holders to opt for generics or the lower-cost brand-name drugs whenever possible. With my policy, if there is no "equivalent" generic or cheaper brand-name drug to substitute for an FDA-approved drug, the approved drug is typically covered as a "preferred" drug despite its cost. I got in a squabble with my insurance company last year because they had decided "Synthroid" should be a "non-preferred" drug, since there were generic versions of thyroxine available. They told me the decisions about which drugs were in which tiers, and which generics or brand-name drugs were really equivalent, was based on the FDA's "orange list" (i.e., the insurance companies don't make this stuff up on their own).

    Arimidex is an example of the complexity of drug coverage. Even though it costs more than $10 per pill ($300+ per month) here, my co-pay is just $30 per month .... and it's $30 for 3 months' worth as well, because my insurance company lists Arimidex as a "maintenance drug". Apparently, some insurance companies will not pay for Arimidex, though.

    Also, large insurance companies in the U.S. usually do not have to pay full cost ("list price") for the drugs they cover. The prices they pay are negotiated with the pharmaceutical companies or with their suppliers. I talked to my pharmacist about this. She said patients who pay out-of-pocket for their drugs typically pay more than what a big insurance company like Blue Cross/Blue Shield would pay (even when adding in my co-pay).

    Big retail pharmacy chains and hospital pharmacies also negotiate prices with the pharmaceutical vendors. That's why some U.S. insurance companies require their policy holders to get their prescriptions filled through on-line pharmacies, like Express Scripts or MedCo. Those huge on-line pharmacies have contracts with the drug companies.

    One thing that is really hard to unravel is the cost of medical insurance in the U.S.  Apparently, the majority of people in the U.S. who have medical insurance are covered as a fringe benefit of their employment. But, the cost to the policy holder and the extent of coverage vary widely. There is the cost of the monthly premiums, plus the cost of deductibles and co-pays, plus sometimes the cost of things that are not covered as a part of the plan but are required or desirable as part of our care.

    Even for public education employees here in my own state, the health insurance premiums range from nothing (the cost is paid entirely by the employer) to hundreds of dollars per month. Here's a table showing the current monthly premiums for the health plan I had when I was employed: http://www.auburn.edu/administration/business_office/payroll/health.html

    Note that there are two plans. One is the traditional Blue Cross-Blue Shield plan that pretty much covers anything, anywhere (pick your own doctor, pick your own hospital, see a specialist without a referral, etc.). The other plan is less expensive; but it includes fewer "participating" doctors and hospitals and there is a requirement for referrals to specialists. Also note that the monthly premiums are on a sliding scale, so someone who works as a custodian and makes a much lower salary pays quite a bit less than someone who works as a faculty member and makes a higher salary.

    Employer-provided health insurance is optional where I used to work. No one is required to participate there. People who opt out do not have that monthly cost, but they will be uninsured if something happens. Some employers require health insurance coverage; and some employers pay the entire cost of the premiums. In any case, health insurance is counted as a "fringe benefit", so its cost to the employer gets added in as part of our compensation. Our salaries are probably lower as a result.

    As a retiree of that system, my health care is now covered by a different plan that is provided for the majority of state education employees plus retirees. Instead of paying a monthly premium of $164, I now pay around $88. That's because the "group" is much larger, so the costs are spread out over a greater number of people. Yet, the coverage is just as good, and the co-pays and deductibles are about the same.

    I feel sorry for the people in the U.S. who do not have health insurance because they are unemployed or have lost their jobs, or because their employers have cut back on costs by eliminating employee health insurance. There ought to be a way for them to obtain coverage. I think it would help all of us, because our doctors' offices and hospitals wouldn't be bearing the cost of care for the uninsured. But, I do not believe a single-payer system is the best solution to the problem.

    This is harsh, but I have a hard time feeling sorry for people who were offered health insurance and could have afforded it, but declined, in order to save a few dollars each month. Some people chose policies with cheaper monthly premiums or less coverage, because they thought their chances of serious illness were low.

    People take risks, and they make unwise decisions with their money. It happens all the time, here in the U.S.  It is part of how this system works.  Maybe that's bad, or maybe it's okay--I don't want to get into a political debate about it.

    I just have a hard time thinking everyone who makes a bad choice should be bailed out. (I know--I made a bad decision with my retirement account when I invested in mutual funds last year instead of leaving the money in a fixed account. I lost 50% of the money I had saved. No one has offered to bail me out. Fortunately, my employer provides a "defined pension" in addition to the risky one.) 

    As for health coverage outside the U.S., I think we need to remember that the money for health care has to come from somewhere. Everyone who exclaims that they got this-or-that done "for free" or "paid by the government", maybe ought to do the math and figure out where the government got all that money.

    otter 

  • konakat
    konakat Member Posts: 6,085
    edited May 2009

    As a Canadian living in the US for a couple of years I have thought quite a bit about the different costs and systems.  I think the difference is that Canadian health care is non-profit -- the gov't wants/tried to break even.  In the US it is a for-profit business, thus the higher costs.

    Both the Cdn/provincial gov't and US insurers have rules on what treatments/tests one can get.  The big difference is that in Canada it is based on equality for all, in the US it is the insurers trying to make a buck.  I think in the long run the Canadian system would be more cost effective for the US and it's population -- if the US gov't runs a healthcare system on a break-even system, not one that pads the pockets of insurers, hospitals, etc, it would work.

    As for Canadian healthcare being free -- we pay taxes that cover it.  These taxes can be compared to what we pay in the US for our health benefits through our employer.  What I mean is, in both countries you pay into a pool for healthcare and dip into it when it's needed.  And, my paycheck isn't that different between the US and Canada.  I'm happy to pay a bit more in taxes in Canada to never have to worry about my healthcare as I do in the US if I lose my job or cannot afford the get the same care that my neighbour does.

  • pip57
    pip57 Member Posts: 12,401
    edited May 2009

    This is just a question that has come to mind...so don't jump on me, please.  I am thinking that there are a lot of unnecessary tests given in the US because everyone along the chain in the medical system makes money on that.  I know that we have it in our minds that the more tests the better to catch things  before its progressed.  But a lot of people have routine tests that are clear only to get symptoms a couple of months later.  I hear a lot of people who get routine PET scans with false positives causing needles worries and follow up tests.

    I know there are many of us that feel more secure being given all these tests.  But the studies have shown that they do not increase survival rates. So why so many, especially in insurance driven countries? 

  • BFidelis
    BFidelis Member Posts: 156
    edited May 2009

    Problems w/US Healthcare?  1) Get rid of FOR-PROFIT anythings (Hospitals, insurance companies, laboratories, etc.)  If you're in HEALTHCARE, your #1 goal has GOT to be (our) health and NOT return to your "stakeholders."  (BTW:  stakeholders used to mean owners, customers and employees of a business or industry.  Now it only refers to owners and executives; customers and lower level employees don't figure in any more.)  In the '50's, all hospitals were NFP, but drs. still made good money as did nurses.  Public/social services CANNOT be for profit, as it puts a greed motive ahead of public good.  Look at the judges in PA who sentenced all those juevies to privately contracted 'prisons.'  That prison's goal is to keep as many kids in for as long as possible so they can "maximize their revenue."  The goal of a prison is supposed to be rehabilitiation/release back.  This place kept extending kids' sentences for minor reasons just to keep the money rolling in.  I thought that Teddy Roosevelt put an end to that kind of public kick-back crap in the early 1900's!

    2nd problem:  "malpractice" costs.  The 2 highest 'specialties' for malpractice insurance are OB and Neuro.  Why?  Because if there's a "mistake" or 'bad outcome' the cost of care for the patient's future is HUGE.  And with OB, it can be YEARS of special-needs care.  Of course, if we had universal single-payer health care, and people didn't have to worry about where they were going to get the money to pay for needs of the person with the brain damage (or whatever) there wouldn't be as many people SUING and malpractice insurance wouldn't be as high as it is.  Please note that when the "cap the judgements" folks talk about how much such litigation adds to the cost of healthcare, you need to make sure they are parsing out "actual damages" from "punitive damages."  Actuals are to cover cost of future care; punitive are to "punish" bad drs., hospitals, etc.  The VAST majority of judgements are for actual damages -- the costs of future healthcare that would be obviated with a universal/single-payer system.

    Also, healthcare is not an "industry" nor is banking.  There is no product produced.  Manufacturing autos or computers is an industry -- take raw materials and produce a finished product.  Throw that one out there the next time someone is trying to sell you on the importance of the "healthcare industry" to Wall Street.

    Peace,

    Beth

  • Beesie
    Beesie Member Posts: 12,240
    edited May 2009

    Beth, I was with you until your last paragraph.  Healthcare & banking are service industries.  Not all industries are manufacturing based.

    otter, thanks for pointing out that insurance companies in the U.S. don't pay list price - they negotiate a price with the pharmaceutical companies, much as the Canadian government does for Canadian citizens.  I'd forgotten about that and it's a good point.  And of course it applies to all medical services.  My parents regularly tell much how much Medicare and their supplemental insurance pay for some of the drugs they take and procedures & tests they've had, as compared to the much higher invoice price.  My dad is currently on an extremely expensive drug (and likely will be for life) and he was surprised to find out that Medicare pays 100% of the invoice prices for this drug - no negotiations there, I guess.

    FYI, in Canada, in addition to the government drug programs (no charge for drugs while in hospital plus income-based programs to cover drug costs and programs for the elderly), many people also have supplemental drug coverage through their employers/pension plans or we can buy drug coverage programs from insurance companies, similar to those available in the U.S..  Which gets me back to my confusion about why it's always big story when someone complains about a drug "not being covered" by the government in Canada.  While the normal advantages of the Canadian system are not available in that type of situation,  it seems to me that the options for the patient are actually pretty much the same as the options that patients face in the U.S. for all drug costs/coverage - have the drug paid for by your company insurance or insurance that you purchased or pay for the drug yourself.  I'm not saying that this is good - I wish that we had universal drug coverage in Canada and I wish more drugs were covered more quickly by the government, but it's all relative - the problem appears to be a problem only because the rest of the coverage is better.

    I certainly agree that Canadian healthcare isn't free.  I know where the government got the money to pay for my treatment - from me, over all the years that I've been paying taxes.  On average, personal tax rates are higher in Canada than in the U.S.. But I agree with konakat; I'd rather pay more in taxes knowing that I don't have to worry about whether or not I have a job.  I don't have to worry about whether I have the right insurance coverage, if there are restrictions on pre-existing conditions, whether my insurance company/HMO will allow me to see the specialist of my choosing, whether a particular procedure or test recommended by my doctor (annual MRIs, for example) will be approved, etc..  It's just one big headache that I thankfully don't have.

  • bluedasher
    bluedasher Member Posts: 1,203
    edited May 2009

    I want to point out again that health care in the US is not all for-profit. There is a mix. My HMO, Kaiser Foundation, and its hospitals are not-for-profit. Blue Cross Blue Shield is actually a franchise. Some of its franchisees are for-profit and some not-for-profit.

    Prettyinpink, not everyone in the health care chain makes a profit on excessive testing and treatment. The insurance companies don't and they often protect themselves from it by requiring pre-authorization for non-emergency services. Some go too far and don't approve reasonable services. The bureaucracy and delays in getting approvals was part of what caused us to switch from our previous insurance to Kaiser. That and constant shifting of who was in-network and out-of-network.

    A lot of the health plans in the US have drug formularies similar to what the Canadian government does. If they don't feel a drug is worth it, they won't pay for it. Therefore, many of us have both the good and ill of that approach just as some on the Canadian drug coverage. Kaiser has that, but they will allow a doctor to override it if there is a medical need. My PCP offered to do that once when an allergy drug I was on was changed out of the formulary for something else that didn't work as well for me, but we found another alternative that worked well and was in formulary. 

  • idaho
    idaho Member Posts: 1,187
    edited May 2009

    Triciaski:  I have paid for private insurance for 15 years,  Now that I need it all I am getting is "we don't cover that", "we don't cover this"- So YES I have been willing to spend money on it.  Now I wish I had put all that money in the drawer, At least I would have SOME way of paying for the outrageous cost of health care in America!  Tami

  • Triciaski
    Triciaski Member Posts: 145
    edited May 2009

    Idaho -- I'm sorry to hear that your health insurance isn't covering what you need. May I ask what specifically related to BC your insurance doesn't cover? Maybe some of us have had similar experiences and can offer you some help and support.

    Tricia 

  • annadou
    annadou Member Posts: 221
    edited May 2009

    Hi All

    Here in Greece the Neulasta shot cost 1.535 Euros so how come in th e U.S.A the price shoots up to 6,000$.Someone somewhere is conning us big time

    Anna 

  • BFidelis
    BFidelis Member Posts: 156
    edited May 2009

    One other little clarification -- drugs that are "on the formulary" are there based on what the insurer has negotiated with the manufacturer, not in any way on efficacy.  (Drug "A" isn't on my formulary not because Drug "B" works better, but because my insurer wrangled a better price out of Drug B's manufacturer.)  Now imagine how much more "rigorous" those negotiations would be if the Feds were negotiating for 90% of the American population!  "That cholesterol drug you've got there is nice.  It would be a shame for your big pharma business if it weren't on our formulary because you still feel the need to spend millions on advertising instead of negotiating a better price...."  hehehe. 

    And off topic, here's an idea of what to do about usurious credit card rates:  Give the american people back their tax write-off for interest on personal debt.  Not just their 1st & 2nd mortgages, but car loans and credit card interest too.  (This was the way it was until the 80's.)  If people could deduct their 30% credit card interest from their income taxes, the Feds would be taking in a LOT less money and I don't think it would take long at all for them to "convince" the credit card companies that a more reasonable rate was in order.  Heck, I remember when a 30% interest rate was referred to as the "vig" on your deal with the loan shark.

    Peace,

    Beth

    Peace,

    Beth

  • AnnNYC
    AnnNYC Member Posts: 4,484
    edited May 2009

    Amen, Beth, about "the vig" (I also like "the vigorish") !!! It's been sapping my financial and moral vigor for years, since I ran up debt taking care of my adolescent son's health issues 10 years ago!

  • konakat
    konakat Member Posts: 6,085
    edited May 2009

    Yes, it's fishy on the different prices.  Canadian drug prices are less than in the US -- I think it's because the gov't is able to negotiate a better deal than the hospitals/insurance companies.  This is probably the same for the European Union countries.  It's business -- make the most money you can.

    I know that pharmas need money for research, it isn't cheap.  But this price gouging for some customers is terrible!

    Another thing I don't understand -- my insurance pays for me to get a Neupogin shot done in the cancer clinic by a nurse.  But if I want to save time, not miss work, and do it myself, it costs me a big copay.  I was told that the cost of the shot given by a nurse is bundled into the cost of care.  But it seems illogical -- seems to me it would be cheaper for me to do it than to pay a nurse. 

  • idaho
    idaho Member Posts: 1,187
    edited May 2009

    Hi Triciaski- thanks for asking.  I have AARP insurance and they do not pay for where you have the surgery (hospital), $13,500. (I was there a whole 5 hours).  That doesn't include anesthesia which they also don't pay for, (don'[t know how much that is yet) and they do not pay for reading any x-rays, biopsies, or taking the biopsy. (unknown amount, haven't added them together)- too many.  THe only thing they did pay for was my surgeon, for her modest $3,000 fee they paid her a whopping $900.00!  All this for ONLY $100.00 a month! Been paying them for 10 years.  (I don't know why this is so big!  Sorry!).  Anyway, I am trying to find help, and can't use the breast and cervical cancer resource because you have to be through them from the beginning....they have to pay for the mammo etc.  I qualify for it financially but too late.  I don't qualify for Medicaid because I make over $400.00 a month (not by much though).  I was layed off the day before my surgery (didn't have insurance through them any way,  but still have the loss of income.  Any suggestions would be appreciated....Tami

  • Leia
    Leia Member Posts: 265
    edited May 2009

    Apropos, of nothing, and I'm sure everyone will rise up, against me. 

    The real problem with the US Medical care is all of these useless tests. Breast cancer tests, or just multiply this, to any bodily disorder.  They all have the same tests. the same, "Standard of Care."

    This can not, continue. We can not continue to keep screening, healthy people, for cancer. In the breast cancer world, it's these mammos and then the biopsies, when all of them are 80% negative.

    And at what cost? 

    And then, with the 20% cancer diagnosis, we get Radiation and Chemo and Pills for 5 years. MASSIVE cost. And for what.

    The truth? No greater life expectancy. This is all just ... ludicrious.

    This entire "health care" system, is broken.

    And Obama wants to extend this "broken system," to everyone.

    I'm a Libertarian. I find this all, appalling. 

    So, we'll see how far Obama gets. It won't be far. When all of these DCIS women, clamoring, for Double Mastecomies, are just finally, refused. The Government won't pay for it. 

    That's the result, of ObamaCare.

    These useless procedures, go away. It's just NOT affordable. Those will be the first, to go.

    Which I just think is .. GREAT! 

    There WILL be rationing, of care. There ARE only so many, machines.  

  • lexislove
    lexislove Member Posts: 2,645
    edited May 2009

    "We can NOT continue to keep screening healthy people for cancer" Sealed

    Pass the cottage cheese and fish oil....

  • Leia
    Leia Member Posts: 265
    edited May 2009

    I'm talking about the "Cost of Cancer." 

    And now everyone now wants "Free health care."  

    But then, SOMEONE pays.

    I guess you think the "Government" should pay.But, then, the government, is YOU. Do YOU want to pay 50% of what you earn, to the govt.?

    I don't.

     I want what I earn, for myself.  I don't want anyone giving me, anything. 

    The Medical industrial complex has told you (and me) "Without screening / early detection a persons life could be at stake. " 

    I'm a libertarian. It's a LIE. 

    It's a LIE.

    We are NOT all SICK. And NEED all of these treatments. Nobody would have even known, they were "sick" unless they had all of these 'tests."

    THAT is what is wrong, with this entire Medical Industrial Complex. 

    We could all have just died, as all people die. 

    Unless you think people should just live, forever?  

  • footprintsangel
    footprintsangel Member Posts: 43,890
    edited May 2009

    I am making too muck on disablity to get help from the state, I just got a bill

    from my Lymphedema garments (that are worn out now) for over 1thousand 3 hundred

    and alot of things after chemo are not covered, I have asthma no, ace wraps for lymphedema

    and on and on. The State says I make 190.00 too much. People are working and getting

    state coverage. My denture is broke they wont fix it. I have to pay. I feel I am getting

    punished for having cancer!

  • Leia
    Leia Member Posts: 265
    edited May 2009
    28 minutes ago, edited 2 minutes ago by lexislovelexislove wrote:"We can NOT continue to keep screening healthy people for cancerSealedPass the cottage cheese and fish oil...."Ha, I know you're MOCKING me, but I say, right on.  I've never felt better, in my life. With the FOCC. At least, I still have my breasts. And I enjoy them, and so does my lover. But I guess, you don't.  

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