To those fortunate few that are "Happy" with your "private" Health Insurance... PLEASE try this little experiment. Hell... try it even if you are really pissed at your plan.
You will probably be "Happy" with your current private health insurance until you REALLY need it, say for a transplant. When they tell you it is experimental treatment and therfore not covered what are you going to do then?
See, in the Private arena, the doctor that just decided that the transplant you need to stay alive was experimental just got a big "bonus" check for saving the insurance company money. Does this at all sound fair. And imagine if insurers didn't siphon off money to send to their shareholders how much LESS health.... wait for it... CARE would be.
Want proof?... I thought so.
Perhaps the best way to make this point is to try this experiment. Take your phone number then drop your area code and replace it with a Canadian area code. Then call that number and ask the person that answers how they feel about their health care. Now it doesn't always work the first time because sometimes a kid answers or its a business and the operator isn't comfortable taking up an employer's time to wax eloquent about the Canadian National Health Program. It might take a few dials but, please, just give it a try until you get a home and and adult, hell, I'll even provide the area codes for Canada.
Canadian Area Codes 403,780,250,604,778,204,506,709,902,905,289,519,226,705,613,807,416,647, 902,438, 514, 418,819,306,403,
Ask a few questions like how much their co-pay is, what the out of pocket maximum is each year, or their lifetime limits, how much they pay for prescriptions, etc... THEN report it back here under this post if we get enough I'll keep reposting this entry with the results of YOUR calls.
Please if you are honestly concerned about a National Health Plan try this and find out how a real National Health Plan is viewed by those living with it.
Then think about this: recently Canadians voted for the most important Canadian of All Time and the winner was Kiefer Sutherland Grandfather, yep Jack Baur's grandpa! AND ALL BECAUSE HE WAS THE MAN RESPONSIBLE FOR THE CANADIAN NATIONAL HEALTHCARE PROGRAM!
One more thing to consider, does anyone really think it is a good idea to take 30% of HealthCARE dollars and not spend them on HealthCARE? That is what those soul eating bastards called PRIVATE Health Insurance Companies are doing this very day.
I KNOW Reforming Healthcare will be expensive, I freely acknowledge that, but the cost of no REAL reform is way more expensive... especially if you or someone in your family is one of those people that need one of those "experimental" treatments to keep from dying. And until someone can convince me that only spending 70% of healthcare dollars on actual HEALTH CARE is the right thing to do... well... lets just say... I hope those Soul Eating Bastards called Heath Insurance Companies are denied ANY experimental "treatment", like all that federal money they are getting as I type this!
Please post your experiences here and I'll keep the post up as long as I can.
















I am going to contact a friend in Canuckistan about this. He's got a story to tell, and if he OK's it I'll put bits of it up.
June 13, 2009 3:35 PM | Reply | Permalink
TOG
Thanks G the more the better.
If this goes like I think, I will post it EVERY DAY.
June 13, 2009 4:13 PM | Reply | Permalink
OK, I heard back - he's writing something up.
June 13, 2009 5:08 PM | Reply | Permalink
But, but, but that's unfair! If our insurance companies have to compete with a system that provides health care without paying stockholders and executives, they don't have a chance!
This is what they need to do-- get a bunch of scary talking points together like --
DO YOU WANT A BUREAUCRAT BETWEEN YOU AND YOUR DOCTOR?
-never mind that an insurance company paper-pusher is in that role now
ALL PEOPLE WHO ACTUALLY WANT HEALTH INSURANCE ALREADY HAVE IT!
- anyone want to buy a bridge in Brooklyn?
OUR HEALTH CARE IS THE BEST IN THE WORLD!
- uuuurrrrrp!
IF EVERYONE GETS HEALTH CARE, THEN THE LINES WILL BE TOO LONG GETTING IN TO SEE THE DOCTOR!
- so, it's better to have people going to the emergency rooms with complications rather than getting preventive care in the first place?
````and my personal favorite``````
CANADIANS HATE THEIR HEALTH SYSTEM. THAT IS WHY THEY ALL COME HERE FOR CARE!
- you know, it's true. The last time I went to the doctor I had an hour's wait in the waiting room just so they could treat all the Canadians who got there before I did! Lame!
June 13, 2009 4:29 PM | Reply | Permalink
CVD,
You left out the bonuses that are paid to those guys that work for insurers that get between you and your doctor.
June 13, 2009 4:40 PM | Reply | Permalink
I left out a ton of stuff. I have written essentially the same comment so many times I am boring myself to death! Question: Is anyone listening?
June 13, 2009 4:55 PM | Reply | Permalink
You mean...besides us? Good question.
June 13, 2009 5:13 PM | Reply | Permalink
LB,
How goes it with you? Say hi to 2M.
June 13, 2009 5:19 PM | Reply | Permalink
I'm doing great, thanks, Face. I just wish you were feeling better. This is it, now, right? No more surgery now?
I passed your hello on to Mum, btw.
Get better, okay?
June 13, 2009 5:25 PM | Reply | Permalink
LB,
Yep I have been pronounced "crystal clear" finally got done with the vocal chord thing. And I am told I have really bad allergies and maybe asthma. But Asthma onset at 47? COME ON?
Anyways I am on the upswing and have a lot of pent up rage that I really need to let loose on someone and I am afraid to say it is gonna be aimed at the left side of the house, senate and the democrats that seem to have all been turned into eunichs (sp?). Can someone PLEASE tell me how to turn on the spell checker here at TPM.
June 13, 2009 6:35 PM | Reply | Permalink
spell checker
don't know bout that, but the way to keep this thread open (totally cool idea, btw...) and conserve rec's (so to stay on TPM front five), just manually save new time and date via manage entries, open this entry, and you will have a publihed date and time which will re-save (enter the current date/time at time of update) but conserve all accumulated data (recs included.)
June 13, 2009 11:19 PM | Reply | Permalink
CVD,
hahahahah... I SO UNDERSTAND.
Oh to be on my way to that One Particular Harbor.
Keep boring yourself and as many others as you can. The message will get through eventually. We just got to talk louder and longer than the soul eating bastards!
June 13, 2009 5:14 PM | Reply | Permalink
I was going to take some time to examine the Canadian system. The repubs just dismiss it out of hand and some asshat just reported to the House Committee how it did not work.
I do not believe that because I have heard the opposite.
I thank you for this post.
June 13, 2009 8:02 PM | Reply | Permalink
I think this experiment is a good idea and will be interesting to see the results.
Here's a comparison of the US and Canada from two years ago that people might find interesting.
http://www.nber.org/aginghealth/fall07/w13429.html
And here's another article from the New England Journal of Medicine on private healthcare in Canada.
http://content.nejm.org/cgi/content/full/354/16/1661
June 13, 2009 8:27 PM | Reply | Permalink
I have cousins who live in Canada. They have the same problems with health care that we do except they don't have to pay for it. Long waits, sloppy diagnoses, etc.
Yes, the richer can pay for private care, but my cousins seem to think the system works for them. They're actually astounded that we're still fighting these battles over here.
My brother-in-law had to wait over a month in constant pain to see a neurosurgeon--here in the states. He's an American on Medicare with good supplemental insurance. It didn't help. Neither did all the phone calls begging to be seen earlier.
June 13, 2009 11:14 PM | Reply | Permalink
George Washington to John Adams:
George: "If we want Independence we must raise and equip an Army."
Adams: "Yes, but we must not put it in the hands of government bureaucrats!"
June 14, 2009 7:23 AM | Reply | Permalink
Here in St. Louis, which has two major medical schools (Washington University and St. Louis University), you can wait for three months to see a neurologist at one of them. I'd be curious to see something systematic on wait times. The NBER article cited by MiddleClassBill does some of that, but there are some odd claims there. In particular, why should youth mortality data be adjusted on the basis of differences in accident rates (excluding homicide rates is more defensible)? All of the adjustments the authors do to the data make the U.S. look better.
I am not surprised that higher income people in Canada get better results out of the health system. My first wife was doing research on this issue at the time of her death, and I am aware through her that the same is true in the U.K., too. Of course, the NBER authors, by including only whites, understate the income/care "gradient," as they call it, for the U.S. Having insurance is not enough to get better results, but it's a big first step.
Finally on the NBER study, the authors omit any discussion of the financial benefits that accrue to individual Canadians from their system, such as not going bankrupt due to their health care expenses, one of (if not the) the leading cause of bankruptcy in the U.S.
I'll also point out that the New England Journal of Medicine has long favored health care reform in a manner most people on this website would support. You can read all their columns on health policy at http://content.nejm.org/cgi/collection/health_policy
And I thoroughly recommend this experiment. Tell your friends and relatives who are iffy on the issue!
June 14, 2009 7:24 AM | Reply | Permalink
KT,
Excellent post! And so VERY, VERY TRUE, I am well down the road to the type of Bankruptcy you mention.
June 14, 2009 9:49 AM | Reply | Permalink
Kenneth - NoClassBill is not interested in substantive discussion. He may claim to be, indeed may well claim it loudly and at length, while remaining determined only to muddy the waters and cast aspersions on anything Democrats might propose. Take anything he puts up with a very substantial block of salt.
June 14, 2009 12:07 PM | Reply | Permalink
O¿O dude, here's one they can do while sitting on their couch scarfing down a table full of munchies while channel surfing.
Call a couple of well known insurance providers, like CIGNA and ATENA for example and act as if you're looking for health insurance for only yourself. When asked your age, tell the first one your actually age and the second one you just turned 50 this week. It's the best example to find out how the insurance companys operate using a subtle deception without the insurance company realizing they're being tested. Those who can't understand this debate will hear what we're all talking about straight from the horse's mouth.
Since health care insurance costs are controlled through state governments, not the feds, many lobbyist find state legislatures easy pickings to get state laws favoring their industry for a few shiny pennies in campaign donations. These health insurance lobbyists have convinced state governments that once a person reaches 50, their health problem begin to rise to the top and costs more money to treat. The only way for them get health insurance at that age would be for the carrier to raise their premium rates to offset the additional cost of coverage. And we're not talking a few dollars here or there. It's more on a scale of 3 to 4 times more than the pre-50 premium rates. What's missing from the equation is the public's input and a realization by the state legislature that insurance is a pooled resource of all participating clients, not just the individual.
By the way O¿O, while you claim to be indistinguishable in the crowd, do you know you bear a striking resemblance to Harry Potter?
June 14, 2009 10:02 AM | Reply | Permalink
Bj,
hahahahahaha
I never thought about that. how about this one ☺ I do however know a lot of magic, it has been a hobby for a long long time.
Good experiment to try too.
THANKS for this!
June 14, 2009 11:25 AM | Reply | Permalink
I am a Canadian who has lived in the United States for 6 years. I moved back to Canada 3 years ago.
I have to say the health care I received while in the US (as an insured person) was comparable to the care experienced in Canada. But, of course I am fairly healthy and had few reasons to obtain health care.
In Canada I have never had to wait for anything. I pay little for prescription drugs (but those aren't covered by Ontario health care) due to the government control of the system. My mother was scheduled to wait about 4-5 months for an MRI appointment for a non life-threatening neck injury, but was able to get in within 3 weeks on the "cancellation list". That's about the only problem I have experienced. As I understand it, up here we call that a "waiting list" down in the US you call it "scheduling".
I have to pay $400 on top of my annual tax bill as a health care premium because I make an above average income. But, I don't mind.
The peace of mind of unlimited, true health insurance is worth the premiums and taxes I pay. The fact that I know my payments subsidize my less fortunate neighbours doesn't really bother me.
June 14, 2009 10:50 AM | Reply | Permalink
All I hear is everyone talking about health care Canada and Britain as if they're the only countries that have socialized medical coverage. I'm in Germany at the moment and I have a few interesting tidbits to toss out.
First, when I left the US company that brought me over here, I elected to continue my health coverage via COBRA. That cost me a whooping $275 a month. If I had returned to the US, it would have been closer to $700 a month.
Second, my COBRA has ended and I picked up a US private insurance that covers American traveling, studying and working through the world. It's pretty much the same coverage I had and costs me only $350 a month.
Third, concerning the medical treatment I've received on the local economy, the costs of treatment and drugs are God Awfully Cheap! when compared to costs through HMO's in the US. The only real cost to me is the exchange rate - converting worthless dollars into euros. That's a 25% increase in my costs, but it still is within my budget and cheaper than US.
Fourth, the service I receive is very similar to the US. Old magazines (in German), clean, modern, but uncomfortable seating and sometimes waiting for up to an hour to see the doctor if I go the hospital for a specialist.
Fifth, the prescriptions I've been given for pollen allergies work much better. In the US, I was always given Claritin, but the drugs here worked faster and was more effective. Seems all medications I have been treated with work better than the standard US fair. And no, I haven't started squealing like a guinea pig yet.
Sixth, if I go to one doctor and my problem is not within his specialty, he contacts the right specialist and gets me a same day appointment within the local area - usually in the same facility of city, but no more than 25 miles/40 kilometers if outside the local region/county.
Perhaps I'm just lucky that all my medical problems are simplistic in nature and doesn't require much effort on the part of the doctors to ease my discomfort. Perhaps. But the impression I have is WOW !!!!
By the way, the dental service is just as easy to use too. I had a complication occur after an root canal on a Saturday morning. I noticed there was people at the dental office that morning. I walked in described the problem and the dentist on duty squeezed me in to his schedule. They just happened to be opened that morning for American family that came in from eastern Europe for dental work.
So as long as the issue is a contrast and comparison between English-speaking medical coverages, the debate will be flat. If you want a robust debate, someone needs to put more participants in the discussion pool, like the Germany, French and a few others.
June 14, 2009 11:05 AM | Reply | Permalink
Beetlejuice, you make a good point about widening the debate beyond English-speaking countries. "Frontline" did a very good story on health care in other countries, including new reformers like Switzerland (1994, basically simultaneous with rejection of reform in the U.S.) and Taiwan. And of course I thoroughly enjoyed "Sicko," perhaps especially the segment on France.
But the fact is, even the Canada/UK comparisons make the US look bad. And they do hold constant the variety of capitalism variable, methodologically valuable, but of course I do think we should take good ideas wherever we find them.
June 14, 2009 9:21 PM | Reply | Permalink