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In my opinion this is the key to fixing much of the US economy. I can't beleive that people who aren't involved in the insurance industry directly aren't down with single payer as, at least, an option.
I knwo we have lots of Canuuks in here so please feel free to share your feelings about the Canadien system that is so often maligned in the US mainstream media and which seems so damn sensible and good to me.
Fellow Americans weigh in and what you'd like to see happen and how you think we can get there.
I knwo we have lots of Canuuks in here so please feel free to share your feelings about the Canadien system that is so often maligned in the US mainstream media and which seems so damn sensible and good to me.
Fellow Americans weigh in and what you'd like to see happen and how you think we can get there.
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Re: Universal Medical Coverage
Mon, June 8, 2009 - 10:06 AMi'm not 100% clear on your system...
but i DO know one thing that has been in the news incessantly over the
past few months - Canadians going to the US for surgeries and various
other medical procedures, because the process to get things done here,
due to wait times, Doctor shortages, etc etc etc is bad enough that they'll
pay extra to have a private consultant find them a doctor, book them an
appointment, and whatever else they need to do so they can go to the states
and get things taken care of asap.
so while our system may be better in some regards, there are certainly
those that it isn't working out for. and 'universal coverage' isn't exactly what
we have... not everything is covered, and of course the quality of care varies
in some cases with what you can afford.
all that said - it does fine by me. but my medical needs are minimal. -
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Re: Universal Medical Coverage
Tue, June 9, 2009 - 12:18 AMThe US system is like this.
If you are lucky you have a job and your employer pays most of the cost of your coverage, the quality and quantity of which varies depending on what is being paid for. Its typically restricted to certain doctors for certain people, and almost never covers naturopaths, chiropractors, massage or anything that reeks of preventative or alternative care.
In recent years mist employers have begun making their workers pay a larger percentage of the cost. BTW , typically only full time workers get any coverage at all. Most of the time you can include your family in your job provided covrage but its expensive. I'm not sure what we pay exactly but I'm guessing that our share is well over $1000 per month.
People who work part time, or who are unemployed can buy private coverage. Some buy catastrophic coverage which only includes big time emergency care. Otherwise they just pay out of pocket as they go. This typically creates a situation where many people opt to get no care until they wind up in the hospital with a major problem. My wife recently saw a specialist. Thankfully we have coverage because the cost of a couple of visits plus some tests billed our insurance well over $1000.00 .
Insurance companies tend to not want to cover people who already have a pre-existing condition regardless of if they have to pay privately or if their job will pay.
Basically it sucks, and the insurance companies are lobbying congress hard to not allow a more cost effective single payer system to be established. It would be fairly simple to expand the US's medicare program which is currently only available for senior citizens to the rest of the population. This would create a huge buying group so prices would be forced down to accomodate it.
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Re: Universal Medical Coverage
Tue, June 9, 2009 - 8:16 AMRich, sadly I don't think Americans are going to get universal medical coverage like in Canada. This is a good article on how corporations are destroying that possibility to ensure their massive profits are safe...
tpmcafe.talkingpointsmemo.com/tal....php
Actually a lot of private health insurance covers chiropractors and other pseudomedicine - it's often cheaper than providing best treatment.
Canada's universal healthcare system has been under attack by corporate lobbyists for at least two decades and, like most nations, there wasn't the necessary planning, mentoring or investing by the boomer generation to ensure that our social systems can support the massive tsunami of aging citizens (them!)...or at least leave any crumbs for those of us who follow them. They inherited great prosperity (partly due to their own parents' sacrifices) and this is what we're left with...it didn't need to be this way! (Canada's current PM was a lobbyist for corporate concerns that want to privatize healthcare in Canada, he gave the science portfolio to a chiropractor who believes wearing shoes and walking on pavement is "evolution"!, and all kinds of sketchy neo-con shennanigans...the whole Big sCAM/vitamin&supplement/snakeoil industry in Canada and the US is much more connected to Born Again Christians and Fundies than it is to the new agers who buy into it, though like in the US it reaches across the political aisle here too). Even with all that, I still think we have a superior system simply because looking after each other and those who can't care for themselves is the basic mark of a caring and compassionate society - not to mention makes everyone's life better. And you know your doctor is there to deal with your health concerns not milk you as a cash cow. There's an integral conflict of interest between the patient's needs and corporation's desires in for-profit medicine.
So, Canada's universal healthcare system is under attack by Big sCAM, Big Pharma and Big Insurance because it cuts into all their profits. Despite there being a doctor shortage in Canada and the gross negligence and underfunding of universal healthcare
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Re: Universal Medical Coverage
Wed, June 10, 2009 - 1:23 AMThere is a simple way to improve the medical coverage of folks...
Remove it from Employee Benifit Schemes in Private Enterprise and increase taxes. That never seems popular in America..
Australia has a mix of Private and Government Health Cover, and even the Government Provides paid extra cover you can buy.. but in any and all instances it means if I walk into an Emergency Ward of a Public Hospital, I am gonna get treated and not get a bill at the end... and a decent standard of care..
The system is not that simple.. nor is it perfect.. but it is better than many countrues have..
We seem to have higher taxes than in the US. We not only have a GST @ 10% but also a lot of company taxes and other duties.
Personal Income Tax is;
Tax rates 2007-08
$1 – $6,000 Nil
$6,001 – $30,000 15c for each $1 over $6,000
$30,001 – $75,000 $3,600 plus 30c for each $1 over $30,000
$75,001 – $150,000 $17,100 plus 40c for each $1 over $75,000
$150,001 and over $47,100 plus 45c for each $1 over $150,000
Tax rates 2008-09
$0 – $6,000 Nil
$6,001 – $34,000 15c for each $1 over $6,000
$34,001 – $80,000 $4,200 plus 30c for each $1 over $34,000
$80,001 – $180,000 $18,000 plus 40c for each $1 over $80,000
$180,001 and over $58,000 plus 45c for each $1 over $180,000
Source www.ato.gov.au/individuals/content.asp
We also have a Medicare Levy (Tax)
"What is the Medicare levy?
Warning: This information may not apply to the current year. Check the content carefully to ensure it is applicable to your circumstances.
Medicare is the scheme that gives Australian residents access to health care.
To help fund the scheme, resident taxpayers are subject to a Medicare levy.
Normally, we calculate your Medicare levy at the rate of 1.5% of your taxable income. A variation to this calculation may occur in certain circumstances."
some info on that is here www.ato.gov.au/individuals/content.asp & www.ato.gov.au/individuals/pathway.asp
In all Honesty I dont know much about different and our financial model of providing care.. But I do know if I am hit by a bus or get sick, the State will provide a good standard of care for me..
I wonder how that compares with America.. and I think each State has income tax, yes ? Here that is done Federally..
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Re: Universal Medical Coverage
Wed, June 10, 2009 - 1:25 AMWe pay both federal and state taxes. Some people also have the priveledge of paying some city and local taxes. Bloke...sounds good to me, certainly better then what we have right now. -
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Re: Universal Medical Coverage
Wed, June 10, 2009 - 1:32 AMWe have State taxes too.. but not on personal income.. things like Property Taxes and the like...
And Tax Law here... probably like yours there.. is the most complex peice of legislation about !
Given you have State Income Tax.. it must be hard to get this together.. because taxation would be all over the place... doing it Federally (whether you think that is good or bad) means the Fed Government has a regular and large pool to draw upon.. While Medicare is a Federal thing.. Education and Health is administered by the States, but assisted with Fed Funding.. .. but as we only have 6 States & 2 Territories .. it makes it a lot easier to coordinate than it would be in America..
I wonder how our personal income tax rates compare to yours...
Oh.. and there is another thing about Australia.. we dont have the Defense expenditure that you guys do.. that would put a huge hole in your budget... -
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Re: Universal Medical Coverage
Wed, June 10, 2009 - 3:55 PMWith the introduction of the GST the states were relieved of taxation responsibilities, they still have a plethora of duties and other methods of raising revenue (fines etc) local councils also enforce fees and charges as well as yearly "rates" which tend to vary from about $1000 per year upwards. The australian defence budget has exponentially grown in the past 10 years, mostly due to us following america into unjust wars and/or protecting our trade routes from the american military/industrial/political complex. The current australian government - as well as the previous federal government - are talking about taking control of the health system as well. One thing australia and america have in common is the outsourcing af much of the manufactoring sector to 3rd world or "developing" nations. America without the domestic defence industries, would easily have at least 4 times the rate of unemployment that it does now. Quite disgustingly, when signing the free trade agreement with the u.s. they went hard at forcing us to abandon the medicare and PBS system in favour of the american model. (PBS being Public Benefits Scheme which makes medicine so much cheaper for everyone by the government buying in bulk and then further subsidising the retail cost for the consumer). Evil bastards . . . -
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Re: Universal Medical Coverage
Wed, June 10, 2009 - 10:09 PMWe always seem keen in Australia to adopt 'American models" long after Americans have decided they dont work....
I shudder with what they are doing at Melbourne Uni - kinda making the first year or two like generalist undergrad courses in the States. Any person I know who has studied in both Oz and the US says their Post Grad is like and Undergrad here.. but I am not too up with how it is nowdays... -
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Re: Universal Medical Coverage
Tue, June 23, 2009 - 12:38 PMOn the civilian side of things, many right-wing thinkers have been convinced that they will be paying taxes for something that they will never use. These are usually those who are already paying for an incredible amount of insurance and worried about themselves (heavens forbid we take care of our fellow man, huh?).
I agree that universal health care will help the economy:
Insurance companies and HMO's will now have to be competitive. Right now, it's a have or have-not setup. You either pay for insurance and get care or you don't and be forced to make a decision to not receive care. With the government subsidizing health care, this will up the ante for those paying for something that they can get for free. Americans in general are very thrifty and a majority will look to get their money's worth. This, in turn will also rise the quality of care that you receive from your insurance or HMO.
On the topic of waiting:
I spent 7 years serving in the United States Navy where a universal health care system is used for self and family. Indeed wait times could be long and for specialized care, you may have to wait for a window of opportunity. But I was always able to get the care I needed. I was never turned down because I "didn't have enough coverage" nor was I ever given more care than I actually needed. I was only prescribed medicines that I absolutely needed and OTC items were given freely (I still have two containers of IBU800 - High Strength Ibuprofen) in my medicine cabinet. Preventative medicine was top priority because keeping people healthy kept them from having to utilize government funded services.
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