US Health system, coming back to the UK?
#76
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Originally Posted by Bob
having duff nhs care is luck of the draw, just like good insurance and hospital care over here is....
And your medical insurance is far higher premium than back in blighty...and if you lost your job, you'd then be buggered and with no medical...
The missus has good medical insurance, covers 80% of all medical visits and fee's for her till she hits $1000...as her spouse, it's $3000 before it becomes 100%...and we'd be sunk basically if anything happened even with that coverage, not to mention if got long term sickness with prescriptions, would be well stuff, certainly couldn't just get another job if we wanted because a lot of insurance wouldn't cover pre-existing conditions, certainly for x amount of time.
And your medical insurance is far higher premium than back in blighty...and if you lost your job, you'd then be buggered and with no medical...
The missus has good medical insurance, covers 80% of all medical visits and fee's for her till she hits $1000...as her spouse, it's $3000 before it becomes 100%...and we'd be sunk basically if anything happened even with that coverage, not to mention if got long term sickness with prescriptions, would be well stuff, certainly couldn't just get another job if we wanted because a lot of insurance wouldn't cover pre-existing conditions, certainly for x amount of time.
My experience was the NHS sucked, and the US system worked great
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Why doesn't someone create a not-for-profit health insurance company?
For me personally, I think because health insurance companies are run to make money for their owners the patients care isn't their top priority.
For me personally, I think because health insurance companies are run to make money for their owners the patients care isn't their top priority.
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#78
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Originally Posted by anotherlimey
Why doesn't someone create a not-for-profit health insurance company?
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Originally Posted by Bob
giving birth 20 years ago cost the in-laws $30K...and that was no complications...
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Originally Posted by candy wy.
in the uk they don't have a name for every ailment anyone can have.
if you go to the doctors here with a snifly nose they will check you for allergies, not because they need to but because it makes them money. you are lucky to get out of a doctors surgery here without having some type of test. if you think that is good, wait till you start getting the bills. don't know what you think is a good insurance package, but unless its 100% with no deductables then the costs can soon add up. as for the nhs yes there are problems but don't knock it till you have tried the american system, you might realize it isn't as bad as you think.
if you go to the doctors here with a snifly nose they will check you for allergies, not because they need to but because it makes them money. you are lucky to get out of a doctors surgery here without having some type of test. if you think that is good, wait till you start getting the bills. don't know what you think is a good insurance package, but unless its 100% with no deductables then the costs can soon add up. as for the nhs yes there are problems but don't knock it till you have tried the american system, you might realize it isn't as bad as you think.
Last year we (family of 5) paid over $16,000 in deductibles, co-pays and 'not covered events'. Granted, this does include dental (DH needed a couple of implants), but still...
How many of you have ever stood behind a 'retired person' at the pharmacy who asked the pharmacist which of her various prescriptions were 'essential' and which ones she might be able to 'do without'? Happens all the time.
Sickening!
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I had a cycle accident in Sri Lanka and one in Surrey.
Sri Lanka involved operation, god knows how many stiches, and the treatment was superb, building a bit crap but not the real point. $600 for a 4 day stay all inclusive.
Surrey, we will not go into.
The NHS have no idea I am out of the country. And anyway all you have to do if you want to play by the rules is to return as a resident. Nothing to stop you changing your mind and leaving again.
Likewise a US spouse, just need to get her immigrant status before going over, takes a day, yet again nothing to keep you there.
Taxes etc is a fairly pointless issue, hardly anything in the UK is hypothecated
anyway, whatever they call it.
Sri Lanka involved operation, god knows how many stiches, and the treatment was superb, building a bit crap but not the real point. $600 for a 4 day stay all inclusive.
Surrey, we will not go into.
The NHS have no idea I am out of the country. And anyway all you have to do if you want to play by the rules is to return as a resident. Nothing to stop you changing your mind and leaving again.
Likewise a US spouse, just need to get her immigrant status before going over, takes a day, yet again nothing to keep you there.
Taxes etc is a fairly pointless issue, hardly anything in the UK is hypothecated
anyway, whatever they call it.
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Originally Posted by DonnaElvira
How many of you have ever stood behind a 'retired person' at the pharmacy who asked the pharmacist which of her various prescriptions were 'essential' and which ones she might be able to 'do without'? Happens all the time.
Sickening!![Mad](https://britishexpats.com/forum/images/smilies/mad.gif)
Sickening!
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#83
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Originally Posted by DonnaElvira
How many of you have ever stood behind a 'retired person' at the pharmacy who asked the pharmacist which of her various prescriptions were 'essential' and which ones she might be able to 'do without'? Happens all the time.
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Originally Posted by Bob
which is why there's quite the boomin' trade in precription tour holiday buses in maine for oap's to hop the border to canada for day trips and to pick up cheap prescription drugs, but Bush is making that illegal...
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Originally Posted by anotherlimey
Why doesn't someone create a not-for-profit health insurance company?
For me personally, I think because health insurance companies are run to make money for their owners the patients care isn't their top priority.
For me personally, I think because health insurance companies are run to make money for their owners the patients care isn't their top priority.
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Ok here's what i don't understand. I understand the decuctable's bit but don't most good job's have medical cover that has no deductibles due to being in their benefit that you are fit and well to do your job. If the job does only cover say 80% then isn't there an option to upgrade your medical package from your place of work and pay the difference, thats certainly what i would do.
I had a quick look around at prices for me and my wife and maybe because we are young i found a a package with no deductables for around $380 per month for both of us NOT each, however my mother-in-law said with the kind of jobs we are after we will get good health cover anyway.
I had a quick look around at prices for me and my wife and maybe because we are young i found a a package with no deductables for around $380 per month for both of us NOT each, however my mother-in-law said with the kind of jobs we are after we will get good health cover anyway.
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Personally I cannot grumble about my NHS treatment, and I have had a few operations, plus cancer plus heart attack. I spent my first time in an American hospital last November for a THR. A couple of weeks ago I phoned for an appointment for my 6 months check up. How about tomorrow at 2-15 was the reply. That is the difference to me.
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Originally Posted by gooner81
Ok here's what i don't understand. I understand the decuctable's bit but don't most good job's have medical cover that has no deductibles due to being in their benefit that you are fit and well to do your job. If the job does only cover say 80% then isn't there an option to upgrade your medical package from your place of work and pay the difference, thats certainly what i would do.
I had a quick look around at prices for me and my wife and maybe because we are young i found a a package with no deductables for around $380 per month for both of us NOT each, however my mother-in-law said with the kind of jobs we are after we will get good health cover anyway.
I had a quick look around at prices for me and my wife and maybe because we are young i found a a package with no deductables for around $380 per month for both of us NOT each, however my mother-in-law said with the kind of jobs we are after we will get good health cover anyway.
Many Americans are one serious illness away from Bankruptcy
Many bankruptcies have a medical cause
Many of those had medical insurance
Coming from the UK, it is difficult to get your head around it. Just the way it is.
My wife used to work for a major IT company, I was amazed at how much she still incurred even allowing for good coverage. OK, nothing major in relative terms but then nothing major in the way of illness.
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Originally Posted by gooner81
Ok here's what i don't understand. I understand the decuctable's bit but don't most good job's have medical cover that has no deductibles due to being in their benefit that you are fit and well to do your job. If the job does only cover say 80% then isn't there an option to upgrade your medical package from your place of work and pay the difference, thats certainly what i would do.
Depending on how senior you are could be the difference between how much you have to pay for deductibles before you get 100% coverage.
MIL has $100 before they get 100% coverage, but she's paying half her teachers salary for it and wouldn't change to the newer HMO contracts which are shite.
Doesn't have dental or optics though.
I do, pair of glasses and lenses, I still had to pay $126, but without insurance, would have cost $450
Dental, getting teeth cleaned once a year is free, without insurance, $150
A checkup and x-ray $250, a filling $100-250...and for that we have 80% coverage...and that's really good because a lot of places don't offer dental and optics insurance...
So you break your glassed and break a tooth falling off your bike and it'll be one expensive fall, if you have to go to ER because of a broken leg...ouch on top of the pain...
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In case you guys haven't seen this, here is a bunch of Yanks discussing the relative merits of the 2 health care systems:
http://talk.uk-yankee.com/index.php?topic=10349.0
"If you were faced with a serious, even life-threatening illness, and you had the choice, would you prefer to be treated in the UK or in the USA?" was the question asked...
http://talk.uk-yankee.com/index.php?topic=10349.0
"If you were faced with a serious, even life-threatening illness, and you had the choice, would you prefer to be treated in the UK or in the USA?" was the question asked...
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