What advice would you give
#31
Re: What advice would you give
For those without insurance, a part-time job at Starbucks gets you health benefits from day 1. Regardless of the number of hours you work.
Myself, I've been an expat since I was 21. The last country I lived in also required health insurance so I've pretty much grown up knowing I needed it too.
As for going back to the UK, I wouldn't go back anyway because I can't stand the place, but even if my hubby could convince me, it wouldn't be practical - we'd have no chance at affording a house, our daughter would be left with no choice of schools but the one nobody wants to go to, and we'd have to get in line just to register with the doctor, and then wait a week for an appointment every time you need something. Meanwhile there are more than enough countries where I know we could get off a plane and not have any of these issues. Even when we did live an hour away from family we only saw them once a year, so what's the difference if it's one hour or eight?
Myself, I've been an expat since I was 21. The last country I lived in also required health insurance so I've pretty much grown up knowing I needed it too.
As for going back to the UK, I wouldn't go back anyway because I can't stand the place, but even if my hubby could convince me, it wouldn't be practical - we'd have no chance at affording a house, our daughter would be left with no choice of schools but the one nobody wants to go to, and we'd have to get in line just to register with the doctor, and then wait a week for an appointment every time you need something. Meanwhile there are more than enough countries where I know we could get off a plane and not have any of these issues. Even when we did live an hour away from family we only saw them once a year, so what's the difference if it's one hour or eight?
#32
Lost in BE Cyberspace
Joined: Jan 2007
Location: NW Chicago suburbs
Posts: 11,253
Re: What advice would you give
As a true American, do you consider yourself more or less free than your British "counterpart" under their NHS system?
Do you have more social liberty because the Govt isn't in control of your health care or do you have less because your vocation is guided and to an extent, limited by your need for health benefits?
Do you have more social liberty because the Govt isn't in control of your health care or do you have less because your vocation is guided and to an extent, limited by your need for health benefits?
Neither system is perfect. Both have flaws.
But based upon both experiences posted on here, and talking to people in person who've used both systems - I personally would still take my chances with the American one over the NHS. There are risks either way, but I prefer the risks of the US one.
Probably differs for different people's situations I'm sure.
If you put buying BUPA into it, I'm not sure. But I don't like the bit where the GP has to agree to refer you to a specialist.
Of course, whether the US or the actual NHS is better is really irrelevant. What matters is, what would the US version of the NHS be compared to the current system. I truly think it would be worse than either current system.
#33
Re: What advice would you give
Maybe it's because I'm a mid-thirties guy in good shape with a good job and good health coverage, but I'm always astonished at how big a deal healthcare is to you expats. Informally, I'll bet 30% of the threads on here are about concerns over US healthcare. Maybe it's that, growing up in America, you're aware the having good health coverage is an absolutely critical part of a job's compensation. It's also self-evident that healthcare's something you have to think about in all aspects of your finances as well, especially in retirement planning. I guess I could understand finding the system upsetting if one's used to being able to walk into any doctor's office anywhere for free. However, if you haven't grown up with that expectation, it's really not that distressing to know that you have to be able to whip out an insurance card. I can see that if you don't have insurance, it's a problem. The point is to avoid, at all costs, being in that situation. Moving to the US without good health insurance is clearly a really bad idea. It may change you career options and modify how you live your life, but that's the way things are here. To Americans, that's obvious. To Brits, it might not be.
I don't know how you can say it's not that distressing to know you HAVE to whip out an insurance card ?
Someone without an insurance card I am sure would Disagree
You don't say if you are married or single ? If single, then the stress factor on Health Care may not be so great, as you only have yourself to look out for and not young kids.
Say you got laid off tomorrow, you have no savings, you have Health Insurance until the end of the month and then have to find money to cover Cobra if you want continued Health Insurance and you have a mortgage and 2 kids, I think you MIGHT feel distressed then
Many Brits probably have no idea the USA Health Care is as it is, just as many Americans don't know about the UK's Health Care either. Many people i tell here are totally shocked ! when I tell them, they had no idea.
And even with Insurance over here you can STILL have problems, I've encountered that several times since being here.
And it is great that in the UK we have, I suppose what some Americans may call the Luxury of taking a job we like and not have to stay away from it because it has no health benefits.
A young boy here with his whole life in front of him, completely healthy was injured playing football (American football) he was in a coma, woke up and now needs a lot of medical attention and therapy. His parents had great Health insurance, so they thought. The Insurance Company have tried several times to get the boy OUT of the hospital, the parents have appealed several times, which helped delayed what will happen and even Hospital workers Protested outside the Hospital and the boy's friends.
He now has a few more days and he is out, being sent to a lesser equipped place and who suffers, the boy and his family. All this from playing a game of football.
Elaine
#34
Re: What advice would you give
As another true American - I personally (re. healthcare) would feel more free under the American system than the NHS.
Neither system is perfect. Both have flaws.
But based upon both experiences posted on here, and talking to people in person who've used both systems - I personally would still take my chances with the American one over the NHS. There are risks either way, but I prefer the risks of the US one.
Probably differs for different people's situations I'm sure.
If you put buying BUPA into it, I'm not sure. But I don't like the bit where the GP has to agree to refer you to a specialist.
Of course, whether the US or the actual NHS is better is really irrelevant. What matters is, what would the US version of the NHS be compared to the current system. I truly think it would be worse than either current system.
Neither system is perfect. Both have flaws.
But based upon both experiences posted on here, and talking to people in person who've used both systems - I personally would still take my chances with the American one over the NHS. There are risks either way, but I prefer the risks of the US one.
Probably differs for different people's situations I'm sure.
If you put buying BUPA into it, I'm not sure. But I don't like the bit where the GP has to agree to refer you to a specialist.
Of course, whether the US or the actual NHS is better is really irrelevant. What matters is, what would the US version of the NHS be compared to the current system. I truly think it would be worse than either current system.
Unless you mean your word means more as you were born here, even though some ex-Brits may have been here longer than you've been alive
The postings about the difference are relevant as the OP was asking for advice about pro's and con's.
I can't see anyway for a USA version of the NHS to go but UP
Walking into an ER with seating for a 120 and it's jammed packed with people sitting on the floor and many of them there with a cold or cough, over 1/2 there with no emergency that couldn't have been dealt with by a regular doc, but, having no health insurance their only option is to go there.
Worrying yourself into another health issue because of bills coming in from all angles after going to a doc, having a couple of x-rays and having a minor operation.
I agree neither system is perfect, but, going by my experiences in Both Countries I would embrace the NHS in the USA
Plus, the heart attack's ratio in the USA would drop dramatically
Elaine
#35
Re: What advice would you give
From what I have seen since living here, it is just a big a deal to Americans as well.
I don't know how you can say it's not that distressing to know you HAVE to whip out an insurance card ?
Someone without an insurance card I am sure would Disagree
You don't say if you are married or single ? If single, then the stress factor on Health Care may not be so great, as you only have yourself to look out for and not young kids.
Say you got laid off tomorrow, you have no savings, you have Health Insurance until the end of the month and then have to find money to cover Cobra if you want continued Health Insurance and you have a mortgage and 2 kids, I think you MIGHT feel distressed then
Many Brits probably have no idea the USA Health Care is as it is, just as many Americans don't know about the UK's Health Care either. Many people i tell here are totally shocked ! when I tell them, they had no idea.
And even with Insurance over here you can STILL have problems, I've encountered that several times since being here.
And it is great that in the UK we have, I suppose what some Americans may call the Luxury of taking a job we like and not have to stay away from it because it has no health benefits.
A young boy here with his whole life in front of him, completely healthy was injured playing football (American football) he was in a coma, woke up and now needs a lot of medical attention and therapy. His parents had great Health insurance, so they thought. The Insurance Company have tried several times to get the boy OUT of the hospital, the parents have appealed several times, which helped delayed what will happen and even Hospital workers Protested outside the Hospital and the boy's friends.
He now has a few more days and he is out, being sent to a lesser equipped place and who suffers, the boy and his family. All this from playing a game of football.
Elaine
I don't know how you can say it's not that distressing to know you HAVE to whip out an insurance card ?
Someone without an insurance card I am sure would Disagree
You don't say if you are married or single ? If single, then the stress factor on Health Care may not be so great, as you only have yourself to look out for and not young kids.
Say you got laid off tomorrow, you have no savings, you have Health Insurance until the end of the month and then have to find money to cover Cobra if you want continued Health Insurance and you have a mortgage and 2 kids, I think you MIGHT feel distressed then
Many Brits probably have no idea the USA Health Care is as it is, just as many Americans don't know about the UK's Health Care either. Many people i tell here are totally shocked ! when I tell them, they had no idea.
And even with Insurance over here you can STILL have problems, I've encountered that several times since being here.
And it is great that in the UK we have, I suppose what some Americans may call the Luxury of taking a job we like and not have to stay away from it because it has no health benefits.
A young boy here with his whole life in front of him, completely healthy was injured playing football (American football) he was in a coma, woke up and now needs a lot of medical attention and therapy. His parents had great Health insurance, so they thought. The Insurance Company have tried several times to get the boy OUT of the hospital, the parents have appealed several times, which helped delayed what will happen and even Hospital workers Protested outside the Hospital and the boy's friends.
He now has a few more days and he is out, being sent to a lesser equipped place and who suffers, the boy and his family. All this from playing a game of football.
Elaine
You have to look at this sad situation in the proper light though. If he is injured for life, he will be eligible for some type of government program, i.e. Medicaid, social security disability.
Acute care hospitals treat patients until they no longer need acute care. When he no longer needs acute care he will go to a rehab center.
If he lived in the UK, he would still be sent to a rehab center, they won't carry on treating rehab patients in acute care. I know someone who lives in Bristol, who needed long term rehab, and they were sent to Cardiff. The after treatment would not be much different in either the UK or USA.
#37
Re: What advice would you give
You have to look at this sad situation in the proper light though. If he is injured for life, he will be eligible for some type of government program, i.e. Medicaid, social security disability.
Acute care hospitals treat patients until they no longer need acute care. When he no longer needs acute care he will go to a rehab center.
If he lived in the UK, he would still be sent to a rehab center, they won't carry on treating rehab patients in acute care. I know someone who lives in Bristol, who needed long term rehab, and they were sent to Cardiff. The after treatment would not be much different in either the UK or USA.
Acute care hospitals treat patients until they no longer need acute care. When he no longer needs acute care he will go to a rehab center.
If he lived in the UK, he would still be sent to a rehab center, they won't carry on treating rehab patients in acute care. I know someone who lives in Bristol, who needed long term rehab, and they were sent to Cardiff. The after treatment would not be much different in either the UK or USA.
#39
Re: What advice would you give
Odd - I obviously haven't conducted a comprehensive survey of all the healthcare posts on here (and I'm sure you haven't either), but I was very much under the impression that the majority of people on here who have experienced both systems prefer the NHS.
#40
Re: What advice would you give
My other point was, most people don't want to leave acute care, because they get waited on hand and foot, and their dr is there, which is only normal. Many people are scared of going to long-term care/rehab - in either country.
#41
Lost in BE Cyberspace
Joined: Jan 2007
Location: NW Chicago suburbs
Posts: 11,253
Re: What advice would you give
But those that post it publicly, you're likely right, more have preferred the NHS.
But not everyone I've talked to, in various forms of private conversation also.
#42
Lost in BE Cyberspace
Joined: Jan 2008
Posts: 41,518
Re: What advice would you give
A lot of people will moan about the NHS without realizing what a great deal they are getting. The problems for the NHS come from trying to keep up with the incredibly high expectations people have of it, therefore I think the funding of it will have to be adjusted, but the principle is just so much better and more efficient than the US model.
#43
Re: What advice would you give
I prefer the fact that the NHS treats everyone - obviously that is the way it should be.
Personally, I would rather have my care in the USA. I like to pick my specialist/doctors, and go back to them if I like them. I like seeing an OB-GYN doctor, instead of a nurse. I like to have a dermatology apt next week, not in 9 months - being seen by someone that I have never heard of. I would prefer to have elective surgery in 2 weeks time, not in 1 to 2 years time.
But i've always had good insurance - so that is why I choose the US system.
If I lived in the UK, I would get private insurance.
Personally, I would rather have my care in the USA. I like to pick my specialist/doctors, and go back to them if I like them. I like seeing an OB-GYN doctor, instead of a nurse. I like to have a dermatology apt next week, not in 9 months - being seen by someone that I have never heard of. I would prefer to have elective surgery in 2 weeks time, not in 1 to 2 years time.
But i've always had good insurance - so that is why I choose the US system.
If I lived in the UK, I would get private insurance.
#44
Re: What advice would you give
Have you ever driven from Bristol to Cardiff, going over the Severn bridge in the summer time, with the breakdowns, traffic, etc? It can be a nightmare. Anyway, I was not knocking it - I was just saying that the long-term care would be comparable in either country. They don't throw paralysed people out on the streets.
My other point was, most people don't want to leave acute care, because they get waited on hand and foot, and their dr is there, which is only normal. Many people are scared of going to long-term care/rehab - in either country.
My other point was, most people don't want to leave acute care, because they get waited on hand and foot, and their dr is there, which is only normal. Many people are scared of going to long-term care/rehab - in either country.
If you haven't experienced both directly how can you say which you would prefer?
#45
Re: What advice would you give
That depends on what kind of insurance you have.
I think most people's appreciation of the NHS over the US system is purely based on a financial aspect. People don't take into account that with the NHS you can wait 4 days to see a doctor when you have a heart attack (happened to my MIL). And please don't tell me that there aren't ERs in the UK full of people who could have seen their GP. Sure they don't end up in the ER because of money, instead it's because they can't get an appointment to see their GP.
I think most people's appreciation of the NHS over the US system is purely based on a financial aspect. People don't take into account that with the NHS you can wait 4 days to see a doctor when you have a heart attack (happened to my MIL). And please don't tell me that there aren't ERs in the UK full of people who could have seen their GP. Sure they don't end up in the ER because of money, instead it's because they can't get an appointment to see their GP.