…I’m self employed and I live in New Zealand.
I pay up to a maximum of $50.00 if I need to see the local GP but if my income were below a certain bracket I’d get a substantial discount. Each individual prescription cost me $5.00 each to a maximum of 20 prescriptions per year, then after that its no charge.
In 2016 I had a pulmonary embolism. The doctor told me “the good news is: you are not dead.” But it was a close thing. They kept me in hospital for five days, treating me with blood thinners and for a bout of pneumonia. When I left the hospital the only bill that i had to pay was for the taxi home.
I got issued a CPAP machine to help me deal with issue with some of the effects of the PE. Cost out of pocket? 0. I have yearly catch ups with Respiratory doctors and nurses, cost out of pocket? 0. I met with a cardiologist every three months, then as I got better it became every six months, and now I see them once a year. Cost out of pocket for each of those visits? 0.
Last year I started to feel unwell again. On doctors advice I went to get a blood test: cost out of pocket: 0 . It was late Friday afternoon. When the results got faxed to the doctors surgery they were read by the duty doctor (not my personal doctor) who called me immediately and said the test showed an elevated level of somethingIdon’tunderstand and he recommended I got straight to the hospital to get further testing. He asked if he could call an ambulance for me, but I said I’d be fine to drive in. (The cost of the ambulance in Wellington would have been 0 )
I got to the hospital and I got a voucher to park my car overnight. (Cost of carparking out of pocket? 0 ) They admitted me immediately and started to run me through a barrage of tests including an MRI. Cost out of pocket, including an overnight stay in hospital, dinner and breakfast? 0. After they finished the testing the concluded that the elevated levels of somethingIdon’tunderstand was probably just a false positive, that this sometimes happened, but it was better to be safe than sorry. Cost out of pocket for me to spend a night in hospital just in case? 0.
It doesn’t matter what flavour of Universal Healthcare we are talking about, the basic principle is the same. The goal is healthcare for all. Nobody misses out. I won’t pretend that every country gets it right every time, that there aren’t flaws or problems and that we all couldn’t do better than we are. But we pay less per head than you do in America for (arguably) better outcomes overall.
So the Great Debate here is a simple one: convince me that we’ve got this one wrong. Convince me that we should switch to the American system, and explain to me how being self-employed in such a system would make me better off. I am at a loss on how to fund the American system here. The costs are sure to be staggering because adding an entirely new infrastructure of insurance companies whom add absolutely nothing of medical value and only exist to make a profit will surely just exponentially increase our costs. Major minus.
But I’m willing to be convinced. So tell me why countries with Universal Healthcare are doing it wrong, and what we should be doing instead. And while you are at it, convince me that the American Healthcare system isn’t an absolute clusterfuck, a literal dystopian nightmare and one that the coronavirus is going to expose all of the failings in one horrible swoop.