Having a job simply gives you the luxury of paying hundreds of dollars per month for coverage.
It's just insurance. That's how most people get their health insurance outside of the government programs. You still have to pay a premium monthly.
Having a job typically means that your employer will cover a part of the cost of insurance for you, but you are still responsible for paying your share every paycheck. It's not even a guarantee, however. You can have a job with no insurance benefit, or garbage insurance rates or bad non-comprehensive/catastrophic coverage, which is why the ACA marketplaces are accessible to anybody.
It's generally discounted (as in the cost that comes out of your paycheck) compared to just buying a plan outright since the employer is signing people up in a group. That said, it could still be shitty in terms of coverage, so you'll have out of pocket costs on top of that like copays and deductible.
You pay out of every every check to have insurance. You then pay to use the insurance.
I currently have insurance, but never go in because I don't want to pay to be seen. The only thing I have done that didn't cost me anything was getting the flu shot. Did I mention that if you don't have insurance you have to pay to get a flu shot?
Exactly. I can guarantee if I ever get an X-ray that I have at least a couple of untreated fractures for years.I live in America and just.... don't go to the doctor and suffer long term and hope it doesn't hurt too much. I have debilitating neck and back issues and absolutely no way to even begin helping them.
America is a hellhole. That's not even the tip of the iceberg.
I currently have insurance, but never go in because I don't want to pay to be seen. The only thing I have done that didn't cost me anything was getting the flu shot. Did I mention that if you don't have insurance you have to pay to get a flu shot?
Seriously though why are people in the US accepting this as their reality, aren't you guys supposed to be the greatest nation on earth or some shit.
If the Tories win the election and sell the NHS to Trump, I'm moving to Ireland.
Whoa whoa whoa, we're not some lefty extremist board where you can air your dangerous ideas!
Seriously though why are people in the US accepting this as their reality, aren't you guys supposed to be the greatest nation on earth or some shit.
So you get attacked in the street. Need an ambulance to take you to hospital and they charge you for the privilege.
That's some serious BS
This isn't always true either, there are still rural areas where local emergency services are funded by voluntary dues rather than taxesIf you're lucky a fire department paramedic will help you. Since they're public employees it won't cost you a dime.
It is an odd one because the NHS is overwhelmingly popular here and there is no way people would tolerate moving to a US style system yet, much like the US, our electorate insists on voting for politicians that will make life worse for the majority of us. The Tories say they'll invest more in the NHS if re-elected but I'm not sure even most Conservative voters believe them at this point.People of UK... this is your future if you keep voting conservative.
People of UK... this is your future if you keep voting conservative.
With good insurance you would only had to pay your out-of-pocket, but still probably like $5,000.
Also, consider the chances someone needing that sort of treatment keeps their job, or can find another job if needed.In a country where most people don't even have $10k in savings for emergency, this would ruin a lot of families.
https://twitter.com/politicsjoe_uk/status/1201826927520161792?s=21
Funny video, but as an American this actually gets me teary-eyed out of frustration. Our absurd healthcare system terrifies me every day, it terrifies me that I may have to actually use it. Which isn't how it has to be.
please take me with you.Ain't gonna be the future of Scotland. We'll leave the UK if it goes Conservative majority and a Boris/Trump shitfest.
This would have cost literally hundreds of thousands of dollars.
Because if we riot, someone's gonna get hurt and that hospital bill's gonna be ENORMOUS!!!
Even some on this board think it's fine. Someone should link to that other thread about people saying, "See, what did I tell you, Medicare-for-all just can't EVER work!" that was a Moderate circle jerk.
please take me with you.
I like Bill Drummond and cold weather, does that make me an honorary Scot?
Curious about US folks how much would American healthcare would charge me for an inguinal hernia and testicular hernia repair?
Filipino guy living in Scotland for more than a decade
The average cost for an inpatient hernia repair is $11,500, while the average cost for an outpatient procedure is $6,400.
sick
There is no such thing as comprehensive health insurance in the U.S., because it's a patchwork hellscape of "networks" and drug restrictions and billing codes and pharmacy managers and naked, brazen profiteering. Even if you have great insurance through your employer, it's basically a dice roll as to what you pay when you go see a new specialist or are prescribed a new drug. Could be $30. Could be $300. Could be $30,000! Fun game, very hilarious. Unbelievably venal and broken. One of only two countries in the world that advertises drugs directly to consumers! You can download an app to see if you can save $50 on your $800 prescription this month! Oh, while you were unconscious, a specialist you didn't ask for showed up, and he's not in your network, so the insurer won't pay for his ten seconds by your bedside that will be several thousand dollars please.That sucks, I've heard that jobs provide healthcare insurance in America. Is it just discounted insurance or limited insurance?
You are correct. But also the underlying price of health care provision in the U.K. is dramatically lower because the state negotiates prices on behalf of its citizens.Since, NHS is funded through tax (correct me if im wrong) I waltzed out the hospital without paying a single penny.
Those prices are quite frightening
I'm assuming when it comes to thinks like Cancer there is no waiting list. Any scans or surgery is done rapidly?
Waiting Times for Cancer Services – Q3 2018/19
The key results for outpatient services and first definitive treatments show that, in England, during the period October to December 2018:
92.8% of people were seen by a specialist within two weeks of an urgent GP referral for suspected cancer (91.6% in Q2 2018/19)
96.8% of people treated began first definitive treatment within 31 days of receiving their diagnosis (96.8% in Q2 2018/19)
$0 in the U.K.My mom was in the hospital for about a week during which she primarily received fluids and some physical therapy. There was a temporary issue with her insurance so the hospital sent the full bill to us: $60,000.
If anything the threat to the NHS could be the issue that pushes undecideds and some No voters over the edge. I think enough people here value it and we're a socialist leaning country more so than England given our voting record, it will be a decisive element of winning independence. Will be funny seeing the No side argue Scotland can't afford to be independent but in the union we can afford an ever more privatised health..Ain't gonna be the future of Scotland. We'll leave the UK if it goes Conservative majority and a Boris/Trump shitfest.
Yes, per-capita government healthcare spending is higher in the US than the UK, as absurd as that sounds.Doesn't the US state invest more per capita in healthcare than the UK does? Which means you are paying the taxes for this service. More taxes. It's not the investment, it's the profiteering.
The entire system is built on triage at a truly grand scale. There is always a waiting list.
If you require urgent care, you get it urgently. If you can wait, you wait.
For cancer specifically:
So 19 out of 20 people are dealt with within the clinically agreed acceptable time limit. Things can always be improved, but it's pretty good.