Hiku said:
sc94597 said:
Hiku said: Getting sick if poor sounds pretty scary. Your family may have gotten by, but there are a lot of scary stories about insurances not covering necessary operations or medicine. Even something as simple as getting bit by a dog cost my friend in Florida $4000 out of his own pocket for the shots, and he's a student. |
If you make less than or equal to $1,300 on average per month in Pennsylvania (as a single person with no kids), you qualify for Medicaid. Medicaid plans are equivalent to, if not better than, gold/silver plans on the Affordable Care Act marketplace. Copays are something like $0-2. Pretty much everything is covered, even things like chiropractical care and eye care.
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Well he was a student, and $4000 is a lot of money for a student. But there just should never be any situation where you are denied crucial treatment, and in worst case left to die. And that can happen in the US. I heard some horrible stories on Oprah about it a few years ago. People were left to die, or had to sell their house to afford the treatment, etc. I'll never defend a system like that, even if it only happens to one person. That's one person too many. They treat health care as a business first and foremost rather than something everyone shoyuld be entitled to, as they do in so many other countries. The difference tends to be waiting periods for operations, but if it's something life threatening, you don't have to worry about being left to die because you can't afford it.
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Did he not have any health-insurance? Usually schools require you to have health-insurance, and it has to meet a certain standard. Was he from another country? If so, sometimes other countries can pay for their students to receive health-care in the U.S. Once you know the system, and yeah I agree that is confusing, those scenarios become rare. Anyway, students still qualify for medicaid in Pennsylvania even if they aren't working, I am not sure about other states. I think it is much the same, or otherwise they wouldn't receive the Federal funding.
It is illegal, as far as I know, for any hospital to deny you treatment if you show up in the emergency room. You will be charged later for it, but they must give you treatment regardless of your ability to pay if you show up in the emergency room. Health-care - like any service - is a business. The doctors put a lot of their time, resources, and effort to go to school. They expect compensation for this, otherwise they would have never chose to become a doctor knowing how much it would cost them. The machines and technology used in hospitals are not free. Doctors in the U.S also make more money than any where else in the world (primarily because of the huge licensing fees and insurances.) Even in other countries it is a business. Your governments just say that they will be the only institutions paying the doctors, and that the doctors have limits for how much they should expect to be paid. This is good for some reasons, bad for others.
The problems in the U.S started when people started to buy insurance rather than pay out of pocket, and the hospitals were able to charge the insurance companies prices they knew the individual would have never agree to on their own. The insurance companies then alleviated all of these costs to their consumers. This angered the consumers, so then the insurance companies looked for more consumers, but then the net effect is that the hospitals can charge even more. If the system went single payer, the difference is that everybody would be under one company (the government.) And again, that has its advantages and disadvantages. You trade less choice for cheaper prices. There is also no market mechanism for competition between hospitals and the effect of this as you noted - are long waiting times due to shortages.