Non-Americans, what's it like when you're sick and need to go to the doctor?
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It's all under the same umbrella. I did not know insurance was separated in the US. Back when social security was created after the war (see complete history of its creation helmed by Ambroise Croizat), it was conceived as a single fund for 1.health 2.unemployment and 3.retirement, the idea being that discrimination would be impossible and everyone would chip in for everything. Basically socialism. It was quickly (within a few years, would have to check exactly) split into separate funds, but social security has been pretty sturdy ever since, in the sense that private sharks were kept at bay (compared to the US). This is not the case for retirement funds, unfortunately, which have been shifted to a capitalisation method recently caused by lobbying from fucking blackrock. Anyway, I digress.
To give you an idea, my private plan is 37e a month and covers 100% of medical acts with up to 540e dental expenses a year, one pair of glasses every two years with a ceiling of roughly 200e (depends on the lens type), hearing aids with a ceiling of 1700e, and 150% on GP appointments if they go over standard rate (home or night visits will do that). Dental covers 150% on prostheses as well, I assume those aren't fully covered by universal healthcare but I haven't checked for sure. Anything related to hospital stays is also covered 100%, as well as transport (SMUR, ambulance, etc). Maternity stay is also covered for 12 days a year, but I'm a dude.
We're also in the process of in vitro fertilisation and our entire stay overseas is paid for : lodging, transport, and of course the process itself : daily shots and echographies for her, spermograms for me, as well as a few appointments... This one required special request to social security (to attest that there's an actual possibility of conceiving), and does not involve private insurers at all.
Thanks for making me peruse all this, I probably wouldn't have if not to share the info over here.
Thank you for doing so! Our insurance varies drastically. The last time I had insurance available from work it was $134 per pay period so ~3500 U.S. dollars a year. It had a $5000 deductible, so while you had a co-pay/consult fee so the doctor would see you for $15. But if you needed them to do something, say fix a broken arm, you pay out of pocket until you pass that $5000 mark for the year. Prescriptions they pay some of, but for people like me it's not much different than just not having the insurance. Amoxicillin is less than $10 with a prescription, and that's usually all I need if I get a soar throat and jazz. So once every couple years I'll get that and Mucinex D and I'm usually good in a few days.
Now if you want dental or vision those come separate. My last job offered them but I can't remember what they are split, something like $20 per pay period, so another $240 a year.
You also pay copays for the visits and deductibles for the procedures and something's aren't covered like normal.The sad thing is that is considered pretty good insurance to many people. My uncle always used private healthcare, and his was much higher than that.
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Which country are you in and what's a typical doctor visit like? How much? Wait time? Etc
wrote last edited by [email protected]It's immensely expensive!
I went to the doctor and he charged me 1 euro.
The imaging in the hospital and the orthopedist only cost 2.8 euro.
So they're really leeching it.But seriously it's difficult to get an appointment and nowhere do they take new patients.
Smart government decided on a numerus clausus and now there aren't enough doctors.
The ones that are there lately don't want to work fulltime, so even less availability. -
Thank you for doing so! Our insurance varies drastically. The last time I had insurance available from work it was $134 per pay period so ~3500 U.S. dollars a year. It had a $5000 deductible, so while you had a co-pay/consult fee so the doctor would see you for $15. But if you needed them to do something, say fix a broken arm, you pay out of pocket until you pass that $5000 mark for the year. Prescriptions they pay some of, but for people like me it's not much different than just not having the insurance. Amoxicillin is less than $10 with a prescription, and that's usually all I need if I get a soar throat and jazz. So once every couple years I'll get that and Mucinex D and I'm usually good in a few days.
Now if you want dental or vision those come separate. My last job offered them but I can't remember what they are split, something like $20 per pay period, so another $240 a year.
You also pay copays for the visits and deductibles for the procedures and something's aren't covered like normal.The sad thing is that is considered pretty good insurance to many people. My uncle always used private healthcare, and his was much higher than that.
5000$ deductible ? shit... must make you wonder why you're insured in the first place. The other big difference is that your insurance is tied to your job. What if you're unemployed, do you just not get glasses ? or the tooth filling that you need ? what's the alternative ? if you're unemployed at the moment, it stands to reason that you would have less earnings... at least 240$/year for dental (or is it dental+vision?) seems more reasonable.
There will be a day where USians will be able to boast about how good and cheap their coverage is, I'm confident. First the people have to win the revolution for that to happen, but surely it's something worth fighting for.
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Which country are you in and what's a typical doctor visit like? How much? Wait time? Etc
wrote last edited by [email protected]French here. when sick, I use an app to book a appointment to a medical center I have that's like 5 minutes away by foot ( not typical for all french residents but I am quite lucky with where I live). I usually have an appointment in the next 2 to 4 hours tops. Depending on what it is, I walk away with a prescription and certificate for work stating how many sicks days I have. This costs me nothing, appart from the occasional optional medication that is not reimbursed.
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Why do you have private healthcare?
In addition to what slazer said, in Australia once you earn over a certain amount you get hit with an extra tax if you don't take out private health.
The conservative coalition brought that in a long time ago because their donor mates in private health asked them to ruin our public health care and this was their first step towards that.I still have private cover as it seems like the least bad option even though it pisses me off. I guess that's the point.
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5000$ deductible ? shit... must make you wonder why you're insured in the first place. The other big difference is that your insurance is tied to your job. What if you're unemployed, do you just not get glasses ? or the tooth filling that you need ? what's the alternative ? if you're unemployed at the moment, it stands to reason that you would have less earnings... at least 240$/year for dental (or is it dental+vision?) seems more reasonable.
There will be a day where USians will be able to boast about how good and cheap their coverage is, I'm confident. First the people have to win the revolution for that to happen, but surely it's something worth fighting for.
Standardly you lose the insurance on the day your job ends. There is a program called COBRA that exists where you can pay more (whatever the employer was paying on top of what you were paying, and a fee) to keep it going until you find your next job. I think it maxes out at a year but I'm not sure. Never done it, as I couldn't afford it between jobs. Hope that day you speak of comes sooner than later. Also I hope all goes well in life for you. Best of luck
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French here. when sick, I use an app to book a appointment to a medical center I have that's like 5 minutes away by foot ( not typical for all french residents but I am quite lucky with where I live). I usually have an appointment in the next 2 to 4 hours tops. Depending on what it is, I walk away with a prescription and certificate for work stating how many sicks days I have. This costs me nothing, appart from the occasional optional medication that is not reimbursed.
Same here, but sometimes there is a day or rarely more (when everyone is sick in school in the winter and your kids bring it home to you for example), so you have to wait or get an appointment with another doctor (we usually go to the same one). In these rare cases I usually wait when I know I don't need to go to the doctor but I need the work-paper so I get paid.
Also you can always call a "flying doctor" (they come by car
) or go directly to the hospital if you feel it's an emergency. There is a semi-urgent phone number you can use to sort out your options too if you don't really know.I have used them all BTW.
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Which country are you in and what's a typical doctor visit like? How much? Wait time? Etc
wrote last edited by [email protected]Australian here from Victoria. Going to the GP will cost me around $80 up front and I get around $50 back from Medicare later. This is for about a 30 minute consultation with a doctor. The wait time is rarely longer than 15 minutes but it really depends on the practice. I've waited 2+hours for a GP that was fully covered by Medicare.
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Which country are you in and what's a typical doctor visit like? How much? Wait time? Etc
Canada
Wait 7 years to get a family doctor. Wait 3 months to get an actual appointment. Lose family doctor. Rinse and repeat.
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in my city (southeastern Brazil) we have two facilities for public healthcare: the emergency center (UPA - unidade de pronto atendimento, emergency medical unit) and the family health center (UBS - unidade básica de saúde, basic health unit)
at the UBS I can see a doctor or a nurse, get prescriptions, get referred to specialists and exams/tests, IST tests, and so forth, if I'm not in meed of urgent care
at the UPA I can be treated (rather) quickly if I'm in an emergency
a few weeks ago my uncle had a heart attack. it was nothing serious, thankfully. we called the ambulance and in 5 minutes they were here, he was treated quickly, sent to another city nearby for emergency catheterism and angioplasty, and he paid a total amount of zero reais for everything
I love SUS (sistema universal de saúde - universal healthcare system)
And if you really want to pay for that appointment, you can schedule one for R$ 50~200 (more or less 8~40 dollars) depending on the place you go.
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Standardly you lose the insurance on the day your job ends. There is a program called COBRA that exists where you can pay more (whatever the employer was paying on top of what you were paying, and a fee) to keep it going until you find your next job. I think it maxes out at a year but I'm not sure. Never done it, as I couldn't afford it between jobs. Hope that day you speak of comes sooner than later. Also I hope all goes well in life for you. Best of luck
Cheers, same to you
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In addition to what slazer said, in Australia once you earn over a certain amount you get hit with an extra tax if you don't take out private health.
The conservative coalition brought that in a long time ago because their donor mates in private health asked them to ruin our public health care and this was their first step towards that.I still have private cover as it seems like the least bad option even though it pisses me off. I guess that's the point.
I'm sorry. Yeah that sounds dumb to me. As an American health insurance seems like it shouldn't exist.
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Which country are you in and what's a typical doctor visit like? How much? Wait time? Etc
Swede here, if it's something minor I can get an appointment within a few days, if it's more major there's some open clinics I can turn to, but if I have to see a professional I have to get in a months-long line.
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Swede here, if it's something minor I can get an appointment within a few days, if it's more major there's some open clinics I can turn to, but if I have to see a professional I have to get in a months-long line.
Similar to Canada unless you have to see a mental health professional and then it’s like there are none.
But also the hospital allows patients to fall out of bed and play the ‘I didn’t do it’ game.
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Canada
Wait 7 years to get a family doctor. Wait 3 months to get an actual appointment. Lose family doctor. Rinse and repeat.
I think this is why they went the urgent care route now after closing clinics.
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It's immensely expensive!
I went to the doctor and he charged me 1 euro.
The imaging in the hospital and the orthopedist only cost 2.8 euro.
So they're really leeching it.But seriously it's difficult to get an appointment and nowhere do they take new patients.
Smart government decided on a numerus clausus and now there aren't enough doctors.
The ones that are there lately don't want to work fulltime, so even less availability.You forgot to mention the region this is for
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Norway, I book online if it's not urgent and wait a few weeks. If it's urgent I call them and get it same day. Costs about ~250 NOK or ~20 USD I think.
Public doctors are always at least 45 minutes late (unless you are late if course, then they call you on time)I also had a non-urgent matter, but felt like wait time was too long (holiday season) so I went to a private clinic, got appointment same day and paid about 700 NOK I think.
I go there, tell my story, if they need to take some samples they can usually do them on site right away for no additional charge.
If I need some medicine they prescribe that and tell me to come back in x weeks if it's not getting better.
If they can't help me I get a referral. It could take a long time to get certain procedures, especially if they are not urgent/very important, but most of the time it's been a few weeks for my issues.
Do you need to pay for any prescription medicine?
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Yeah but you need to go there once a quartal to give them your insurance card. So if you are sick less than that you still need to go every time.
I've heard there should be another option, iirc bringing the card in later when you're not sick/infectious anymore (better for everyone methinks), but that this takes extra administration on their side and so they mostly refuse to acknowledge you have this legal option. Or so a colleague mentioned some months ago, I probably mix up some details
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Which country are you in and what's a typical doctor visit like? How much? Wait time? Etc
wrote last edited by [email protected]Germany
Had 3 surgeries (wisedom teeth, nose bone correction and a refilling tooth surgery), an X-Ray, MRI, and i think 4 doctor visits plus all 3 months a psychiatrist to get my adhd medication.
The only thing i had to pay was 50€ for a none concret filling on my tooth, and 30€ for 6 days in hospital.
Hospital food was better than i expected and always heared about.
Had to wait a year for that surgery but the other specialist appointments were really quick in only a few months. Especially the wisdomtooth was in 2 weeks after the call for an appointment
Wait time was only a few minutes.
But had an appointment at a dermitologist and there i waited 3 hours!! Almost walked out. And i wanted was more info about my skin type and laser hair removal.
Everything is covered by the insurance though it needs a huge reforms. There is a two class system and government workers dont pay into it at all but get the Premium benefits.
And that the insurance companys are covering less and less with dental now only 1 check up every half year.Yes i am outrages that only concret to fill holes or build up a tooth is free. Fucking concret!! It is an outrage!
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Do you need to pay for any prescription medicine?
Yes, at the pharmacy, but it's not very much, I pay maybe 200 NOK for my two allergy medicines combined, they both lasts me about 3 months.
I just checked and there's a maximum payment of 520 NOK for 3 months worth of medicine for chronic illness, it's more complicated if there's more than one illness and multiple medications, but the norm is maximum 520 NOK for the months.
Amd ylthe cost I pay for prescription drugs for one time prescription have always been so small that it almost don't register.
