tag:blogger.com,1999:blog-8953248892638598159.post956325320532694680..comments2024-03-11T21:51:12.985+00:00Comments on FRUGAL IN DERBYSHIRE: US verses UK health careFrugal in Derbyshire http://www.blogger.com/profile/10221169113482164565noreply@blogger.comBlogger37125tag:blogger.com,1999:blog-8953248892638598159.post-26088325055298853552017-12-13T05:39:44.652+00:002017-12-13T05:39:44.652+00:00Thank for your very good article.! i always enjoy ...Thank for your very good article.! i always enjoy & read the post you are sharing!<br /><br /><a href="https://senwellbeing.blogspot.com/" rel="nofollow">แคมฟรอก</a>vaiyborahttps://www.blogger.com/profile/05095754542895387700noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-5090455313572372942017-08-11T09:41:48.015+01:002017-08-11T09:41:48.015+01:00when I have an operation or get sick.
หีฟิตwhen I have an operation or get sick.<br /><br /><br /><a href="https://ramsey-otaku.blogspot.com" rel="nofollow">หีฟิต</a>UplayOnlinehttps://www.blogger.com/profile/07056159688537638797noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-25182752164644218792016-11-21T23:12:51.175+00:002016-11-21T23:12:51.175+00:00Sorry it took so long to get back. The government ...Sorry it took so long to get back. The government program only covers prescriptions after a certain amount is spent. This varies from province to province. With the private insurance we only have very small copays. Same with eye exams and glasses, which the government program only covers exams for those with diabetes and children to age 14 (I believe). With the private insurance we get some coverage for frames and glasses, and pretty much total coverage for our eye exam. <br /><br />Dental is another story all together. Our provincial government covers most dental costs for children, but none for adults. The private plan comes in handy as we only pay a small copay for any work or cleaning.<br /><br />The government plan does pay for surgery, hospital stays, doctors visits, checkups, mammograms, physio, and a host of other things.<br /><br />God bless.Jackiehttps://www.blogger.com/profile/16051183778965359500noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-53939714827562967332016-11-21T19:35:07.130+00:002016-11-21T19:35:07.130+00:00Thanks for that Dc. very clearly put!
I suppose i...Thanks for that Dc. very clearly put! <br />I suppose it could be said that the unemployed, retired and those earning less than £11,000 do have free care!Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-63326242205861694042016-11-21T19:30:44.149+00:002016-11-21T19:30:44.149+00:00The point I was making was about people who were a...The point I was making was about people who were at a place in their lives when they didn't have enough insurance though no fault of their own. <br />So pleased that your parent's experience was positive, as have me and mine.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-42014482107106282382016-11-21T19:27:42.231+00:002016-11-21T19:27:42.231+00:00I didn't know that, but I suppose that our sit...I didn't know that, but I suppose that our situation was such when David had cancer we would probably have had to borrow to pay for his treatment.<br /> Agree re. many mps not valuing the NHS. Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-79746630069088617412016-11-21T16:24:02.465+00:002016-11-21T16:24:02.465+00:00Figures almost correct but once you hit £43000 it ...Figures almost correct but once you hit £43000 it isn't 40% deducted on the whole amount just the amount between £43000 and £150000 etc. So, if you earn say £46000, only £3000 will have the 40% deducted. In the same vein, if you earn £15000, the first £11000 is tax free, then only the other £4000 is taxed at 20%. NI contributions are around 9% or so of your earnings.Dchttps://www.blogger.com/profile/02490191919855219024noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-87067839913277127732016-11-21T07:21:21.031+00:002016-11-21T07:21:21.031+00:00The biggest cause of bankruptcy on the us is due t...The biggest cause of bankruptcy on the us is due to ill health. I'm very thankful of the nhs, it's a shame that so many seem to want to make a profit from ir and mps don't seem to value it in the same way. Kev Alvitihttps://www.blogger.com/profile/04992625860900617194noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-49911182126269036792016-11-21T02:38:59.591+00:002016-11-21T02:38:59.591+00:00Hello, Brit living in US (over 30 years) worked in...Hello, Brit living in US (over 30 years) worked in NHS whilst in UK. Amazed at wonderful care my parents received via NHS, no expense spared. Healthcare in US is abominable, unless you work for a company with great health benefits, which is becoming rarer.<br />My experience is that some people are reluctant to accept that anything can be better outside the US. All has to be taken with a rather large grain of salt!carolehttps://www.blogger.com/profile/03800772208986164437noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-51242624271740451282016-11-19T00:20:12.884+00:002016-11-19T00:20:12.884+00:00To Thelma: naturally, one must consider the costs ...To Thelma: naturally, one must consider the costs of health care. We ALL pay for our health care regardless of the country we live in, the question is HOW do we pay for it and WHAT do we receive in return? I lived in the UK for 24 years and had a child there - it was absolutely the most awful and most dangerous experience I have ever had in a hospital setting, I kid you not. My son was almost born on the floor of the exterior tunnel that connected the wards because the nurses left me alone for hours to my own devices. Never again. I've had 3 more children in the US - vastly different experience. But I digress. <br /><br />I sure saw a huge difference in the percentage of my wages I kept in the USA vs. UK too! The point is, compared to the amount of money you have parted with over the years there in the UK for health care, do you think you receive value for that overall expenditure via the NHS? In my parents' cases, they both say no. You may be different. <br /><br />It is amazing to me how many people in the UK think that the NHS is 'free'!! and that is always the first thing I think of when I compare the US with the UK so forgive my soapbox approach. I guess my experiences with the NHS have been consistently bad :( so I am not impressed.<br />Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-87164425551707919752016-11-19T00:03:18.538+00:002016-11-19T00:03:18.538+00:00To Sam: If the bare bones medical coverage suits y...To Sam: If the bare bones medical coverage suits your situation, you can find a High Deductible Health Plan at, for example, Anthem Blue Cross. HDHPs can be a good choice if you run the numbers, even if you have a pre existing health condition. Our plan has a $10,000 deductible for surgeries which means a person can have surgery as 'minor' as ingrown toenail removal or as extensive as open heart surgery ..... regardless, we pay that first $10,000 out of pocket towards the final bill. However, like I said originally, that $10,000 is still way less than the income taxes one would pay in the UK for the NHS .... with nowhere near the delays for treatment. Generally, the higher monthly premium paid for health insurance here in the US will equate to a lower deductible too. We just decided that right now a HDHP makes better financial sense for us. We are, however, prepared to pay $10,000 in the event we need to.<br /><br />I have known many low income individuals here in California who had their health needs taken care of without having to spend anything. Yes, the waits are longer in the public clinics but nothing like the NHS.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-77726468034041323502016-11-18T11:04:22.437+00:002016-11-18T11:04:22.437+00:00Thanks for commenting Jackie. Seems a sensible thi...Thanks for commenting Jackie. Seems a sensible thing to do to give you peace of mind.<br />What doesn't the government programme cover?<br />GillFrugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-91580468443377596252016-11-18T11:02:46.498+00:002016-11-18T11:02:46.498+00:00We have several family members who are type 1 and ...We have several family members who are type 1 and I can't imagine them spinning out their meds because they can't afford them can you!? Plus there is all the testing and hospital visits that can be necessary.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-8599198473323916792016-11-18T11:00:14.533+00:002016-11-18T11:00:14.533+00:00I think so too Weave.
It is good to know that we ...I think so too Weave. <br />It is good to know that we do "end of life" stuff well too I think.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-76797450391997762882016-11-18T10:58:38.276+00:002016-11-18T10:58:38.276+00:00Indeed. As you are a diabetic the meds are a const...Indeed. As you are a diabetic the meds are a constant outgoing and it is good to know you can "come home" should there be any complications.<br />Is there not a seperate insurance system for such as you?Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-40578343512630302262016-11-18T10:56:06.560+00:002016-11-18T10:56:06.560+00:00I didn't realise there was a difference in how...I didn't realise there was a difference in how medical was provided. Like Anon says the shear size of your countries is something I struggle to conceptualise! <br />Thanks for commentingFrugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-16005108415294346692016-11-18T10:53:55.393+00:002016-11-18T10:53:55.393+00:00Hi Anon, Sol and Jackie
Thanks for those figures, ...Hi Anon, Sol and Jackie<br />Thanks for those figures, which I have read a few times to get to grips with!<br /> I think we should also factor in the contributions to adult/elder care that provides support for folk in their old age. While not perfect, it means that older people should not be concerned that they go without. <br />GillFrugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-60101025384700122802016-11-18T10:46:05.765+00:002016-11-18T10:46:05.765+00:00I was particularly concerned about the young woman...I was particularly concerned about the young woman who was making her meds spins out, I didn't realise it was a common practice!<br />You are so right we should be aware that other nations have nothing like our medical care.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-68300185061870826402016-11-18T10:43:20.637+00:002016-11-18T10:43:20.637+00:00I think you will find that with each health proble...I think you will find that with each health problem private medical insurance premiums increase. Eventually some schemes will only insure you for certain things, which will Col and David would make them virtually uninsurable even if they could afford the premiums.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-59702548575414376042016-11-18T10:40:13.915+00:002016-11-18T10:40:13.915+00:00I think so too!
There will always be those who abu...I think so too!<br />There will always be those who abuse the system I suppose, shame really as such people put a strain on so many services.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-84159006243889509132016-11-18T10:38:23.941+00:002016-11-18T10:38:23.941+00:00Thanks for your comment. I suppose that which you ...Thanks for your comment. I suppose that which you are saying is the story of our life too. Healthy strong people who gradually grow older (in my husband's case thanks to the NHS!) with less disposable income but higher health needs.Frugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-39021916662053589392016-11-18T10:34:08.762+00:002016-11-18T10:34:08.762+00:00Hi Anon, thanks for your comprehensive comment. So...Hi Anon, thanks for your comprehensive comment. So sorry to hear about the problems your family are having with the NHS. I guess I would be complaining by now if that were my experience!<br />Yes I know we pay for the NHS through taxes, I guess I was demonstrating that those who can afford pay towards those who can't and as we get older more people, with less income need more care. I know that my husband would have struggled with even a " reasonable deductable" at the time he needed medical help most. <br />I suppose I struggle to see how you can penalise someone who cannot afford compulsory insurance because of their particular circumstances, which was the case with the individuals I was discussing.<br />I know that medical care in the US is great!<br />Thanks for commenting<br />GillFrugal in Derbyshire https://www.blogger.com/profile/10221169113482164565noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-78215285960456283712016-11-17T02:47:08.341+00:002016-11-17T02:47:08.341+00:00So, taxes in Canada and the U.S. are about equal. ...So, taxes in Canada and the U.S. are about equal. One would think they could well afford to do the same as we do here in Canada and have a single payer system. <br /><br />God bless.Jackiehttps://www.blogger.com/profile/16051183778965359500noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-34779371473998049652016-11-17T02:41:37.600+00:002016-11-17T02:41:37.600+00:00When I hear about medical bills in the United Stat...When I hear about medical bills in the United States I am scared stiff. I live in Canada and while we have provincial/federal coverage, like the other poster we have private insurance as well to cover those things that the government health program doesn't. It gives me peace of mind to know I won't have to pay thousands of dollars when I have an operation or get sick.<br /><br />God bless.Jackiehttps://www.blogger.com/profile/16051183778965359500noreply@blogger.comtag:blogger.com,1999:blog-8953248892638598159.post-81882341945609137232016-11-16T21:31:20.526+00:002016-11-16T21:31:20.526+00:00Hmm, I am also a US citizen and no one I knows has...Hmm, I am also a US citizen and no one I knows has that kind of coverage and pays only $200 a month. Good for you for having that opportunity, but even with what I would say is great health coverage for my family, this year I have three family members each reaching the out of pocket deductible, at an out of pocket, above my insurance premium, of $3,000. SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.com