Canadian Health Care

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  • AnnNYC
    AnnNYC Member Posts: 4,484
    edited January 2010

    Hi PiP, I had to show up with my checkbook for my excisional biopsy (lumpectomy) (March) and then mastectomy 6 weeks later (April 2007) -- and I made sure I booked my exchange surgery before New Year's day!!!  Dec 28 of 2007, since I'd met my out-of-pocket maximum for that year!  Now, I'm walking around unable to see with my right eye, since I'm gonna have to accrue some cash for cataract surgery...

    But I've written these things over and over on our health care threads... oh well...

  • konakat
    konakat Member Posts: 6,085
    edited January 2010

    What on earth are these people to do?  And to think this is probably going on in towns and cities across the country.  Small business is suffering.  Fewer people have disposable income to kickstart the economy.  Debt, debt, debt.  Another flimsy tower of cards that will tumble down in the years to come.

  • barbe1958
    barbe1958 Member Posts: 19,757
    edited January 2010

    Madalyn, we do understand about the co-pays and who is billing you direct. But, here, there are no-copays and the doctors and the hospitals bill the GOVERNMENT direct! We never lose a penny in between or have to fight for coverage.

  • barbe1958
    barbe1958 Member Posts: 19,757
    edited January 2010

    Just read the thread where someone said the US government was talking about taxing their payments to healthcare....sigh. They don't have "taxable benefits" in the US???? I truly wish someone would sit them all down and gently explain that their country is killing them! Ruining them financially! Taking better care of other countries...and the soldiers who are fighting there.

    So sad....

  • Rico
    Rico Member Posts: 128
    edited January 2010

    I had an interesting (and delicious) dinner out last night with some politically astute friends. They're actually feeling more optimistic about things. Obama's bi-partisan attempts have succeeded beyond his expectations. We now have one more Republican senator than when he started. This is his wakeup call that it's time to give up on the bi-partisan nonsense and get something done.

    If you haven't already, check out the poll numbers hopingforacure posted on the non-tea bagger health reform thread. According to my friends, the poll was done by a very respected Democratic pollster and conclusively demonstrate that the Dems are in trouble for being too timid, not too "socialist". 

    So the next few months are going to be critical. The Dems can either be aggressive in getting substantive change or they can start packing their bags. And if they don't get aggressive, I will be one of those helping them pack!

    Also keep in mind that 85% of the American people are reasonably happy with their health insurance. Imagine how unhappy they're going to be when they can't afford it anymore. Not struggle to pay for it but literally cannot afford it. Anyone who thinks that Americans will give up health insurance in order to preserve their "freedom" or some other nonsense is insane. We have expectations for our lives and the lives of our kids. Health care is obviously one of those expectations. Frankly, there just aren't that many people who will reject a government program if that is all they can afford. And there will be zero sympathy for those who do reject it. LOL.

    And guess what.. that is all we can afford. Just like all the other industrialized countries in the world. Sorry but we just ain't that special. 

    Yes, it's going to be ugly for a while but the laws of economics inevitably mean that change MUST happen. The only question is how many people will die while waiting for the inevitable to occur. 

  • lewing
    lewing Member Posts: 1,288
    edited January 2010

    Rico, I hope you're right.  (About the potential for a simpler - and stronger - bill to emerge from the wreckage . . . not about the consequences of drifting along with the status quo.  I KNOW you're right about that.)  Check out the new healthcare thread that Brenda R has started, where she's posted about her problems affording basic care.   

    I'm one of the shrinking number of Americans who has great health insurance now.  And unlike most Americans, I work for an employer who's politically and philosophically committed to retaining good insurance for both active and retired employees.  But I honestly don't know how much longer that's going to be feasible.  We've already been forced to make cutbacks in coverage for future retirees (i.e., me).  And while I sometimes fantasize about striking out on my own and starting a new freelance career, I can't afford to give up my employer-provided benefits.  I've seen stat's showing that supposely-sclerotic Europe actually has a higher rate of small business formation than the free-enterprising U.S. of A . . . probably because of our health care mess.  Crazy, huh? 

    Linda

  • barbe1958
    barbe1958 Member Posts: 19,757
    edited January 2010

    I should add to my comment about taxable benefits. I pay an upgrade to my insurance to provide prescription and dental coverage. That is the only taxable portion. Peanuts.

  • Rico
    Rico Member Posts: 128
    edited January 2010

    Thanks, Linda, for pointing me to the new thread. When I first joined this site, I had only modest opinions about health care. Single payer, yes, but not foaming at the mouth fanatical.

    After a few months reading the horror stories like those on the new thread, I am definitely foaming at the mouth fanatical. To the point where people I work with know not to discuss it with me if they're going to spew nonsense about the evils of government where health care is concerned. 

    You are yet another example of how the health care mess is damaging us business-wise. This is the part that I don't understand where my free-market friends are concerned. How many people don't start their own businesses.... How much harder it is for companies like Boeing to compete with foreign companies like Airbus which are located in countries where taxes pay for health care, not corporations? What percentage of corporate profits are lost to the pockets of the health insurance/health care industries? 

    The U.S. is losing (has lost?) its competitive edge in the global market but people are unwilling to look at one of the biggest factors. 

    I made the mistake of listening to C-Span this morning, which had a Heritage Foundation dude arguing for greater de-regulation of corporations including health insurance companies. I was tempted to call in to the program to ask him where I should send what's left of my 401k savings. I lost a chunk of it because of previous de-regulation. So I guess I might as well bite the bullet and give up the rest in the quest for the greater glory of free markets and limited government. 

    Whoo hoo. 

  • pip57
    pip57 Member Posts: 12,401
    edited January 2010

    Rico,  I am thinking that way too.  That Obama  will step up and be more aggressive.  It is clear that no one really wants to play nicely with him. There will never be a consensus about the health care changes....never.

    I do understand why there are people who are not happy with the current bill(s).  But it has to start somewhere.  Decades have already been spent arguing about the details.  Those who are so happy with their current insurance just don't seem to get that they are teetering on a cliff right now.  Things are going to have to change and they will not be immune.   

  • Rico
    Rico Member Posts: 128
    edited January 2010

    I agree, PIP.

    I hate the idea of mandates forcing people to put money in the pockets of private insurance companies.

    On the other hand, the whole debate has encouraged Americans to think more deeply about their position on health care as a basic human right. As the number of people who believe this increases, it's only a matter of time. Because we will start to demand it for ourselves, our families, our friends. 

    It will be that much harder to claim that only those who can afford it deserve it. 

  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited January 2010

    Hey -- great to see this thread active again!

    I posted something similar on the Healthcare in Am vs Others thread, and it relates to a Krugman article regarding health insurance:  We who enjoy universal healthcare, via our taxes, are NOT seeing the yearly increases that Americans are having to face with their health insurance.  (And Enjoyful has already done a comparison of what she pays and what we Cdns pay via our taxes). My hunch is that if pro-reformers and progressives started publicly equating health insurance with health "tax", and comparing yearly increases to tax increases in single-payer countries, then maybe Americans could start wrapping their heads around single-payer.

     Yes, I know that won't hold water with those who think the federal government is mismanaged, wasteful etc.  And it won't cut ice with those who still believe there's a bunch of commies in power, just waiting to turn the U.S. into a (fill in the blank) state.

    But at least it might get more people to look at the situation realistically and finally come to terms with the fact that you are being held hostage by your insurance companies and that the freedom that so many shout about, just does not exist when it comes to your healthcare.

    (Oh my, I'm feeling feisty this sunny Saturday morning!!!).

    Hugs to all, Linda

  • konakat
    konakat Member Posts: 6,085
    edited January 2010

    I always wonder about the 85% who like their insurance.  Is this a poll of only people that have insurance?  Does it include a checkbox for "No, I don't like my insurance because I can't afford insurance"?   I don't mean include the people who prefer to roll the dice and choose not to get insurance, but people who truely can't afford it, like my b/f. 

    Oh, re. my b/f, he was laid off this past week which means he can now get health insurance through the state.  For him, job = no insurance.  No job = insurance.  Now how weird is that?!?

  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited January 2010

    Polls --- hmmm, all depends on the question(s) beling asked, doesn't it?  And on the individuals who respond.

    Wouldn't be hard to get to 85% if the question being asked was "Are you happy with your current coverage?".  But what happens when a possible second question comes along which asks "If you were to lose your job tomorrow, what would you do?".  I'm fairly sure that 85% of the respondents are not independently wealthy,nor are 85% faced with a pre-existing condition.

    So, if you dig a little deeper, and ask a few more questions, I suspect you'd get a much different polling number.

    Yes, Elizabeth -- losing a job and gaining health insurance is an anomaly.  How did it happen?

  • barbe1958
    barbe1958 Member Posts: 19,757
    edited January 2010

    About the 85%, aren't only 40% of the country on any type of insurance? 85% of 40% is 34% of the population...

  • konakat
    konakat Member Posts: 6,085
    edited January 2010

    It's kinda funny, in a sad way.  When my b/f started working at his latest job he lost his state insurance because he made "too much money" (but what I would consider a crappy salary).  His employer (very small business) offered insurance for about 3 months then cancelled -- too expensive.  Because of his heart condition private insurance is too expensive for him.  So, no insurance but he had a job.  Now that he will be on UI he will be poor enough to get state help! 

    And I don't think this is an anomaly -- it is a big problem that people with a lower middle class livelihoods are often screwed out of insurance -- either their employer doesn't provide it, they make "too much" for state help, or just can't afford it.  People who lose their jobs and don't have a good work ethic are practically encouraged to go on the dole to survive.  It just compounds the problem.  Hopefully my b/f will find a job with good insurance...

  • Rico
    Rico Member Posts: 128
    edited January 2010

    Whenever I talk to someone who expresses enthusiasm for their insurance, I always ask if they've had a significant medical issue. The vast majority of the time they haven't.

    My wakeup call was when my insurance company refused to pay for the Oncotype DX test. Although they subsequently chose to cover it, I had a serious taste of what it feels like to be at the mercy of my insurance company. 

    The unending stream of co-pays reinforces my distaste for the current system. Although I CAN afford them, everytime I whip out the ole credit card, I think of those who aren't so fortunate. 

    I believe the percentage of uninsured is around 15%. Of course, those who receive government insurance (Medicare, VA, etc.) are included in the number of insured. I have not, however, seen stats on the number of underinsured people who either have crappy insurance, can't afford co-pays, or all of the above. 

    The case of Elizabeth's boyfriend is interesting. Since he lives in Boston, he's covered by the Massachusetts system which was initiated, ironically, by a Republican governor. I'm curious, though, why the system wouldn't cover him when he was employed. My understanding is that it's supposed to cover everyone in the state. But that's the extent of my knowledge of it - other than it's considered evil by all God-fearing (i.e., conservative) Americans.  ;-)

  • Rico
    Rico Member Posts: 128
    edited January 2010

    Looks like Elizabeth answered my question while I was asking it.

    Elizabeth the Great strikes again! 

  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited January 2010

    I sort of remember that around 100 million Americans have government-funded healthcare (medicare, medicaid, VA etc.) so I guess it would not be a stretch to suggest that if 85% (according to that poll) are happy with their health coverage, then around 85% of Americans are happy with their government-funded healthcare.  Hmmmm.... that's around the same percentage as Canadians who were asked about their satisfaction with our government-funded system.

  • pip57
    pip57 Member Posts: 12,401
    edited January 2010

    The opponents to existing reform keep comparing medicare to what they could expect if any gov't system for all was passed.  Isn't medicare really having to compete with the skyrocketing costs that are the result of insurance companies?  I mean it is really the ins co that are controlling costs, not the gov't.  Upside down if you  ask me. 

  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited January 2010
    upsidedown and backwardsFrown, which just doesn't make sense in an otherwise forward-looking and progressive nation....
  • Rico
    Rico Member Posts: 128
    edited January 2010

    The people who complain about government-run health care compare Medicare, single-payer and other systems to some ideal that just doesn't exist.

    And they certainly aren't comparing these programs to the very real reality of losing their private insurance. 

    So there's no way to win an argument with them. They can always find some nit to pick at while the system heads for collapse. 

    Very sad.

    Anyway, I hope you ladies have a wonderful afternoon. I'm off to do my part to improve American health care as a volunteer in the ER. 

  • lewing
    lewing Member Posts: 1,288
    edited January 2010

    Elizabeth's boyfriend *IS* an anomaly in the U.S. - in most states, childless adults are completely out of luck, no matter how low their income.  There's no public insurance program for them.  (That would change under the health care reform bill, even in its crappy Senate version.)

    Interesting question about the number of people who are *under*insured.  That's really hard to get at - in part for reasons already raised . . . if you're lucky enough to stay healthy, you may not realize how crappy your insurance is.  But I've seen stats showing that the majority of Americans who file for bankruptcy because of medical bills do in fact have insurance.  That's pretty telling.

    Linda

  • konakat
    konakat Member Posts: 6,085
    edited January 2010

    I forgot to mention that because my b/f didn't have insurance he has to pay a penalty at tax-time.  Sort of a twist of the knife.

    I actually had good insurance while I was working.  Low annual deductible ($1000), low co-pays.  I loved the doctors in my network.  There was a lifetime ceiling of $1 million though, which is significant (in a bad way) because I had already blown through almost half of that by the time I left the US.  Even with the good insurance I would have eventually had to pick and choose treatments/tests to keep the costs down.  The up side is that I have mets so maybe it would have just lasted long enough (gallows humour!!).  When I was laid off it was terrible and helped in a big way to financially devastate me.

  • pip57
    pip57 Member Posts: 12,401
    edited January 2010

    I have just watched the Dateline show about American health insurance.  I am in tears.  There was one patient who had a sarcoma.  My daughter had a sarcoma.  Another patient was a teenaged girl who had liver failure after a bone marrow transplant.  My daughter had liver failure after her bone marrow transplant but eventually overcame that with very expensive and experimental treatment.  It all just hit so close to home.

    But here is the thing.  Not once, never, did we ever have to fight for tx or ask how much a tx would cost. I know there are some who would say that it was money wasted since she did not make it.  I won't even attempt to argue that point.  In my heart I know that everything possible was done to give her every chance to live.  How horrible for those who will never have peace with that in their own situations.  

    It all just breaks my heart.  I am so thankful that I am Canadian.  That I live in a country that has made appropriate decisions long ago that has given us the best health care  possible today.  And whatever my own outcome with bc is, I know that I have not been spared any tx.  Nor have my neighbours and friends.  I am a proud Canadian.

  • Rico
    Rico Member Posts: 128
    edited January 2010

    PIP, you've got it exactly right.

    Sadly, I'm now hearing rumors that the pre-existing conditions clause may be dropped from the legislation. Let's hope this is not true. 

  • Kyta
    Kyta Member Posts: 713
    edited January 2010

    Hi PIP..... I can't imagine losing one of my children. Just want to say that I'm sorry for your sadness tonight.

    Although our Canadian health care system isn't perfect, it's reassuring to know that regardless of our income bracket, we have a dependable safety net to meet our health care needs should we need it.

  • Sugar77
    Sugar77 Member Posts: 2,138
    edited January 2010

    I also saw the same Dateline program and feel the same as PIP.  The heathcare I've received here in Ontario has been outstanding.  

  • konakat
    konakat Member Posts: 6,085
    edited January 2010

    I'm so sorry {{{{{PIP}}}}}.

  • pip57
    pip57 Member Posts: 12,401
    edited January 2010

    Thank you for the kind words and hugs.

    I was just so darn angry and sad because I have been in those situations and cannot imagine having to worry about those things that we have become accustomed to here in Canada.  I just cannot imagine it.

  • crazy4carrots
    crazy4carrots Member Posts: 5,324
    edited January 2010

    (((PIP)))  I was thinking of you and dh while watching it, and wondering if you were sitting through it too.

    It makes me so angry that so many people just won't/can't aknowledge that the insurance companies have them over a barrel; that the insurance companies truly are the gatekeepers of their healthcare in too many instances, and that in order to get care -- as in Nataline's case -- a family has to commandeer a professional organization and the media and create a ruckus to get the attention of the insurance company.  Thankfully there are people with a conscience such as Mitchell Potter to make people aware.  Problem is, he's just one person.  Wouldn't it have been nice if all the Tea Party protesters had put their efforts into demanding healthcare reform.......<sigh>

    Edited to add:  I was a volunteer at PMH when they performed their first bone marrow transplant.  If the surgeons had to provide a guarantee that these transplants would work before doing them, well, they just wouldn't ever be performed, would they?

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