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Old 10-06-2005, 07:03 AM   #1
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Healthcare

I want to know about healthcare in other nations. More specifically, I want to know what you actually pay for. Here (as far as I'm aware, I've only just left full time education you see so I've only just started to be charged for things) you pay for:

1. The dentist. At a reduced rate but so many people find it hard to get on the books of a NHS dentist they end up going private where instead of paying for per appointment you pay a fixed sum annually so if you've got teeth problems it works out better, if you don't then it will work out worse. (At least that's my understanding of it. Of my family we have two NHSers, a private and one with no dentist at all but conversations about the differences in dentist billing are, oddly enough, rare.)

2. Prescriptions. Some people are exempt (OAPs, those in full time education, and some illnesses. Diabetics for example don't have to pay but those on repeat prescription for say blood pressure tablets do. Doesn't seem fair but I suppose you need to draw the line somewhere). Also, everyone pays the same price for it (£6.50) regardless of what it is. (Is that £6.50 a national figure or a local one?)

I think that's about it but if anyone else can add anything to NHS charges then please do.

The NHS is funded through taxation but is it general taxation or National Insurance? Because I've read things that adamently say it is just tax, not NI but others say it is NI!

Providing healthcare is not the only role of the NHS it also provides the British media with front page news and also gives the British public something to moan about other than the weather

So what does everyone else out in the big wide world pay for then?
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Old 10-06-2005, 02:13 PM   #2
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I'm in the US and I'm uninsured, so I pay for everything -- medical, dental, vision -- out of pocket.

Luckily I'm pretty healthy right now, so it's not too bad, but I better not get sick or hurt or I'm in trouble.

My current perscriptions cost between $15 and $50 for a 30 day supply. I find the best price (usually if I can swing a 100 day supply they cost less per pill, but sometimes that initial cost is steep), but it's all out of pocket also.
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Old 10-06-2005, 03:10 PM   #3
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Another trick for pills that can be safely cut in two (ask your doctor) is to get a prescription for double dosage (often similar prices to lower dosages). Then of course, break the pills in two.
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Old 10-06-2005, 04:20 PM   #4
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I'm in the US and my family is extremely lucky to have our health insurance premiums paid for by Mr. BAW's former employer. For the two of us and two dependents, our monthly premium is close to $500...right now, our share is $0 but will eventually change as we get older.

We pay $10 to see a doctor, $10 per prescription and $50 for emergency room visits. Surgery and hosptial visits cost nothing.

We have limited vision coverage...exams only, glasses and contacts aren't covered.

We pay $35 per month for a seperate dental insurance plan, which is pretty much useless. It only covers the most basic services and everything else is billed at full cost. For instance, silver fillings are only $25 each but if its a front tooth and you want a porcelain filling, those are $200 each.

Before I was married, I paid $395 per month for health insurance for myself only. It was an 80/20 plan, meaning I was responsible for 20% of the bills. I had a $2000 deductible so I spent 3 years paying off my hospital bills after open heart surgery and 2 years paying off another surgery a few years later.
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Old 10-06-2005, 04:27 PM   #5
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Can I come live with you guys, Char?

While I love working here, the only crap part is I have no health insurance. Knock on wood, I've been relatively healthy, but like indra said, I'm fucked if I get sick.
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Old 10-06-2005, 04:35 PM   #6
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My monthly premium costs me $318.00. I pay 35% for prescriptions. My doctors visits are covered and so is the ER, hospital, and any surgery.

Dental care and eyeglasses come out of my pocket.
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Old 10-06-2005, 04:56 PM   #7
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I used to have the Blue Cross Blue Shield Federal Employees health insurance ( http://www.fepblue.org ). I really remember nothing about it except that I had a $15 copay and spent around $50 per month for two prescriptions. I think my monthly premium was only around $100. It covered some dental, but I can't remember how much.

Now I just use the NHS and have an NHS dentist (I think I paid around £25 for a checkup).

I haven't had an exam or bought contacts or glasses in over three years.
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Old 10-06-2005, 06:23 PM   #8
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Right now I have kind of an odd insurance status.

I'm covered under my mom's work plan for dental and vision. Dental is something like 80% covered. Last year I paid about $400 on dental stuff. I had been uninsured for about 4 years and I couldn't afford to go to the dentist. I needed 4 fillings and my wisdom teeth out.

Vision I have to pay $15 per exam and any pair of glasses under $100 is free. I think that's limited though, probably one pair per some number of years.

I go to Yale so as a student I can go to their health center and see certain doctors for free. It covers urgent care, seeing a regular doctor, gynecology, inpatient care, mental hygiene, and laboratory services.

I bought their insurance, which is $2000 for one year and is effective worldwide. It gives me free hospital services, emergency services, and I can go see specialists like dermatologists or neurologists or whoever for free. The prescription coverage has a $100 deductable and after that you pay 20%.

I'm also covered under my dad's health insurance still. I told him he could take me off but he won't for some reason.
He's got anthem, I still use the prescription coverage because it's $5 for all generics and $12 for all brand names.
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Old 10-06-2005, 06:29 PM   #9
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My dental coverage is 90% through my employer, up to $2500 annually.

Prescriptions are 80% covered by my employer, I fork over the rest.

Glasses/contacts are covered to some extent, but since I use neither, I have no idea how much it is.

Doctor visits, hospital stays, ER visits, surgeries, medications while in the hospital, tests and so on are all free.
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Old 10-06-2005, 06:33 PM   #10
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Quote:
Originally posted by anitram

Doctor visits, hospital stays, ER visits, surgeries, medications while in the hospital, tests and so on are all free.
Is that for everywhere, or can you only go certain places?

I had a problem with anthem last year at Purdue, as I kept going to their health center and then they told me "by the way, we don't take anthem and you owe us many hundreds of dollars."
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Old 10-06-2005, 06:41 PM   #11
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Quote:
Originally posted by Kristie


Is that for everywhere, or can you only go certain places?

Everywhere. But I'm in Canada, so we're socialist.
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Old 10-06-2005, 07:05 PM   #12
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i have no insurance.
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Old 10-06-2005, 07:16 PM   #13
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Old 10-06-2005, 07:48 PM   #14
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Quote:
Originally posted by Angela Harlem
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Old 10-07-2005, 11:53 AM   #15
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Last year I was too old for my dad's plan, and for school it's required, so they automatically bill you for the school one-year plan. That was about $600 tacked on to my tuition. I think I also paid $150 extra for like extreme coverage b/c I was going to Africa. Now my dad has a new job and even though I'm 21, I am covered for health insurance as long as I'm a full time student. I only have one prescription med and it's about $25/mo w/o co-pay. My dad's co-pay is $20 and since they always fight it, I just pay the full amount. I have no dental and no vision insurance. However, my uncle is my eye doctor and I get all my glasses and contacts through him at cost. The dental is the killer for my family. There was a few years where my sister really needed braces, so we couldn't afford to have any work done on my teeth, even basic cleanings so now I have some cavities as a result. Other than that, I'm lucky b/c I've never been to the hospital, never need to go to the Doc, and only have one prescription (which I got 4 months for free b/c my roomie had it and switched and gave me all her extra).
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