Hey World, Tell Us About Your Healthcare

  • Thread starter Thread starter YSSMAN
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Okay, I shall attempt to lay out the UK's healthcare structure...

General Practitioner (GP)
It isn't required to be registered with a GP but you'll find that, even if you aren't registered, you'll be entitled to treatment with your local GP's practice (they'll "ask" you to register when you ship up ill). There is no "choice" with GPs - you may only register at a practice that covers your postcode (Zip code for the US). Rarely you'll find that one postcode is in an overlap of two or three practices and then you have a choice, but it isn't common. You'll be assigned a doctor at the practice arbitrarily.

This means that when you move, sometimes even if it's just a few streets, you have to register with a new practice and you get a new GP. They, obviously, won't know you, but your health records will be transferred from the previous one.

Generally if you're unwell at all, the GP is your first port of call. GPs are qualified to diagnose, prescribe drugs, carry out minor surgeries and refer you to specialists if you have a problem they cannot treat (this covers pretty much everything that isn't a common disease). There are usually no specialists on-site, you might not see "your" doctor (you might in fact end up seeing a "Nurse Practisioner", who is a nurse) and it's rare to be able to get prescribed drugs on-site.

Accident & Emergency
These are, usually quite large, departments in hospitals (often called "Casualty", familiar to Americans as "ER"). If you've had an accident or require emergency treatment you ship up here - not if you're just ill. There is no requirement to be registered (your health records are accessible by computer, so they can call them up anywhere) or even for you to go to a local one, though you'll find no more than 2 in a city (more in metropolitan areas).

A&E deals with all manner of woes, from alcoholic misadventure to actual heart attacks. Since you're in a hospital, if your accident or emergency requires specialist treatment you may find that you're kept in hospital and transferred to a ward with that specialism - for instance if you turn up with a broken leg, you'll be assessed by an A&E nurse/doctor and transferred to an orthopaedic ward if it's not a simple case of casting it. If you turn up with a broken face, you'll probably end up on a maxillofacial ward. If you're having a heart attack, you'll end up on a coronary care ward (once you're out of Intensive Care).

Specialists
Specialists are, as the name implies, individuals with a particular specialism. In the case of serious medical issues they will probably be consultant-grade doctors, or they could be trained physio/occupational therapists and suchlike.

You must be referred to a specialist through another medically-trained person - either a GP/NP as above or a doctor/nurse in A&E (or, rarely, another specialist). You cannot self-assess and book an appointment with the specialist you think you need to see.

Once you are seeing a specialist, they will continue a treatment plan as and when the two of you choose. However, the specialist will deal with only the issue for which you have been referred - say you turn up to a physiotherapist appointment for the shoulder issue you've been seeing them for, but also have a wonky knee that week. Though you and they both know you have a wonky knee, they will not be allowed to treat it until you have seen a GP and been referred to a physiotherapist for it.

If you have an ongoing health issue for which you have been seeing a specialist (or series of them) for ages as with FK's cardiac issues, there is no need to reinstigate a referral procedure every time you need to see them - it is, after all, the same condition, just with varying severity.

Dispensing Chemists/Pharmacists
Usually on-site in hospitals, occasionally on-site at GP's practices, commonly found roaming the wild (well... in specific "shops"). These are the people to whom you take a prescription for any drug. With the exception of A&E or a hospital ward, who can administer any controlled drug, any prescription must be made by a doctor and supplied by a pharmacist.

Dentists
Dentists are a peculiarity. Most dental practices are both NHS and private, but very rarely will a dentist take on new NHS customers. I am extremely baffled by dentists because they are supposed to be part of the NHS, but you pay for them anyway, regardless of their "free healthcare" status. I would explain further but I don't understand it myself. Sorry.

Private Healthcare Provision
There is no compulsion to use the NHS, though there is no get-out clause for it. If you wish to use private healthcare - and all of the above save for A&E are available privately - you must either pay for it or pay for private healthcare insurance (which essentially means you pay for it and the insurers pay you back).


Costs
GP - Free at point of use.
Drug prescription - £7.20 per course of drugs; Free at point of use for children, elderly, unemployed.
Dentist (NHS) - £16.50 per appointment up to £198 for bridging/crowns/dentures; Free at point of use for children, elderly, unemployed.
Dentist (Private) - At the dentist's fiat; £40 for an appointment is normal
A&E - Free at point of use
Specialist treatment (NHS) - Free at point of use
Specialist treatment (Private) - At the specialist's fiat; Cannot give "normal" figure as there is no such thing!


I think that about covers it...
 
Just to add to the above:

GP Co-operatives
Out of hours GP service, usually on-site at hospital, for when your own local surgery is closed (weekend, evenings/nights etc) but your ailment isn't serious enough for a trip to the A&E.

Also free at point of use.
 
I know I'm from the US, but there are so many different plans in the US I thought I'd throw one out there for a comparative.

What health care plan are you a part of?
Health Alliance Plan of Michigan (aka HAP)

Do you know (roughly) how much you are paying for it (tax percentages, etc)
It comes out of my mom's pay cheque, if I were to get a similar plan through HAP for just myself it would be $506 per month. So $6,072 per year. There are cheaper plans, I can get a major medical plan meaning if I have to have emergency care, for about $250 per month but it doesn't cover general doctor visits, drugs, etc. Only emergency care.

What kind of coverage are you afforded? Or not?
Everything has a co-pay however it's different depending on what it is. Most prescriptions are $20 and most doctor visits are $60. Dental is sort of covered depending on how much they charge, it's a long story with my dentist. Optical only covers the exam sort of, you have to go to a certain eye doctor. Glasses, contacts and most eye surgery is not covered.

Are you able to choose your doctor? If not, what kind of process is there involved in seeing someone?
To a degree, I can only see doctors that accept HAP in a given network. I'm in the St. Joseph Mercy network because that's where my mom works. With my dentist he's the only one in the area that accepts HAP but he charges so much I typically end up with a bill. I can only go to one eye doctor, which I choose not to go to because they charge me well over $1,200 for glasses and Costco charges me $300.

What kind of process is involved in making treatment decisions? Is it done between you and your doctor, between you and your government insurance plan? Other?
In order to go see someone about a certain problem, my bad knee for example, I have to go to my regular doctor and get him to write me a slip in order to go see the specialist each and every time with a $60 co-pay every time. I can only go to whatever specialist the doctor refers me to and whatever one is in my network. Typically I can request one though and I'm granted it.

When treatment is needed, is there a long wait period before you are taken care of? Are there any other troublesome wait lists?
The waiting period to see my GP is typically a day or two, to see a specialist it can be over a month sometimes, barring it's nothing life threatening. I had to wait almost 5 weeks for an MRI on my knee before, but I've also got in within 2 weeks before. It varies.

Have you ever been denied care or coverage for anything?
Yes, some dental work will be denied. When I used it if I got my eye's checked more than every 12 month it wouldn't be covered. Some drugs aren't covered, although I've personally never ran into that issue.

Do you know of any "horror stories" that personally happened to you, or someone you know?

My mom had a crown or something put on a tooth by our dentist, which surprisingly was mostly covered. The bill was like $75 or something for over $1,000 worth of work. However, the dentist ignored her charts and see that she was allergic to something that was used during the procedure. My mom had a bad reaction and her whole mouth turned into one giant canker sore. She had to have the crown removed and repaired differently, which the insurance denied payment and the dentist sent us a bill for almost $2,000 for the fix.

The dentist said we owed and the insurance company said we owed. It ended up being a long drawn out processes but we eventually ended up not paying.
 
Anyone watching the news here in the States? Those Town Hall screamers make themselves look like idiots. Instead of actually listening to the points of the healthcare proposed and ask questions and argue in a civil, cordial manner, they instead shout like banshees. Glad I'm not Republican.
 
Good write up Joe!

Your story on your coverage seems fairly typical, although somehow I feel like its extremely expensive for what you're getting. I'm in pretty much the same spot, with Blue Cross - Blue Shield of Michigan through my Dad's employer, Amway. I've noticed that since they've changed insurance a couple of times (on the corporate level), my choices for who my doctor is, and what my copays are, have changed drastically. Something like my kidney stone surgery from last year ended up costing me nearly $900 out of pocket, whereas for my father before, it had otherwise been free. Then there have been the problems at the dentist, and the changes of the GP, and all that jazz... Simply put, its been a mess.

Thankfully I fall ill so infrequently that it has never been much of a problem.
 
Do you all want my positive private insurance company contrast?
 
Good write up Joe!

Your story on your coverage seems fairly typical, although somehow I feel like its extremely expensive for what you're getting. I'm in pretty much the same spot, with Blue Cross - Blue Shield of Michigan through my Dad's employer, Amway. I've noticed that since they've changed insurance a couple of times (on the corporate level), my choices for who my doctor is, and what my copays are, have changed drastically. Something like my kidney stone surgery from last year ended up costing me nearly $900 out of pocket, whereas for my father before, it had otherwise been free. Then there have been the problems at the dentist, and the changes of the GP, and all that jazz... Simply put, its been a mess.

Thankfully I fall ill so infrequently that it has never been much of a problem.

It would only be that expensive if I got a similar plan myself through HAP. I would never in a million years though get that same plan through HAP and pay for it out of pocket month to month. There are far better deals out there. Most of my friends pay $300-$400 per month for their health plans and it covers a fair bit of stuff.
 
Now to get some idea of a comparison I'm going to make you all go mental and say, "What is your income tax rate?" :D I know this will vary from state to state, but roughly. Top tax rate here is 40%, soon going up to 50% iirc.
 
Now to get some idea of a comparison I'm going to make you all go mental and say, "What is your income tax rate?" :D I know this will vary from state to state, but roughly. Top tax rate here is 40%, soon going up to 50% iirc.

In Michigan I believe we pay something like 5% of whatever our federal taxes are. I'm in the 25% tax bracket for the federal, so whatever I end up paying at the end of the year for that I fork over 5% of that to the state. We also have a 6% sales tax and I'm unsure on property taxes.
 
  • What health care plan are you a part of?
Blue Cross HMO

  • Do you know (roughly) how much you are paying for it (tax percentages, etc)
I pay roughly $25/month for the plan directly. Indirectly (ie: the part my employer "pays") I'm paying more like $150/month. Blue Cross is making a total of $300/month on the plan.

  • What kind of coverage are you afforded? Or not?

All the basic stuff. No deductible. $15 copay at the doctor. Maximum out of pocket expenses for the year is $1000. The following are covered 100% (with copay):

- Acupuncture
- Allergy Test
- Ambulance
- Chiropractor
- Medical Equipment
- Emergency Care
- Vasectomy
- Abortion
- IUD
- Tubal Ligation
- Hearing Aids
- Hospital (everything)
- Immunization
- Physician
- Physiotherapy
- Prescription Drugs
- Pregnancy
- Preventative Care
- Psychiatric Care
- Substance Abuse
- Surgery
- Vision Care
- X-ray

They do not cover:
- Infertility
- In Vitro Fertilization

I also have dental - but that's a separate plan.

  • Are you able to choose your doctor? If not, what kind of process is there involved in seeing someone?

Not really. I mean, I can choose my primary care physician (the person who I must see before I see anyone else about anything except emergencies) from a short list. But the role of the primary care physician is really a filter to prevent you from seeing specialists about things you don't need to see specialists about. The primary care physician refers you to a specialist when you do need to see one. I've always been able to get an appointment within a week.

  • What kind of process is involved in making treatment decisions? Is it done between you and your doctor, between you and your government insurance plan? Other?

Treatment is between me and my doctor(s).

  • When treatment is needed, is there a long wait period before you are taken care of? Are there any other troublesome wait lists?

No.

  • Have you ever been denied care or coverage for anything?

Yes. I was denied arch supports for my flat feet. I was fully anticipating the denial. I guess the insurance company has removed that from what they consider to be healthcare. Similarly, if I wanted lasik or hair plugs or liposuction, I'd be denied.

  • Do you know of any "horror stories" that personally happened to you, or someone you know?

Nope.

If you have anything else to share, it would be greatly appreciated. I find its better to hear from the people who have it than what our politicians and other political leaders like to talk about.

My healthcare plan kinda sucks. I mean it's basically free to me (though not to my employer, which means I'm paying for it indirectly) - but I don't get a wide selection of doctors and I don't necessarily get the best doctors. I get HMO doctors, which are cut-rate guys who are willing to take HMO pay. I have this plan because I'm not sick. If I were sick or at least not in my 20's, I'd have a different plan that probably covered less and increased my out-of-pocket expense. I'd do this because I'd want to see better doctors. But that's just a personal preference thing. Lots of people are totally happy with HMO plans. I guess what I'm trying to say is that my biggest problem with my health care plan is that I can't voluntarily pay extra to get the doctor I want (and still have them cover any of it - of course I'm totally allowed to pay 100% for any doctor any time).

There are times when healthcare is just a nuissance "just give me my antibiotics perscription and let me get out of here". For those times, the HMO is great. I pay almost nothing and don't have to become intimately familiar with my doctor. There are other times when healthcare is really important "let's do a biopsy". In those times, I want someone who is really good and I'm willing to open the bank to get that guy. In theory, the HMO offers that in the form of specialists. But it's not who I would pay for.
 
Fast forward 6 years and we've seen American health care costs spiraling and the introduction of Obamacare whilst in the UK the NHS is crumbling. I'd be interested to know if and how things have changed for patients around the world. It'd be especially interesting if past contributors could compare.
 
I had a plan through the marketplace for awhile and I actually didn't think it was bad. It's not quite as good as some of the employer plans I've had, but it definitely helps out people who are unemployed or can't get insurance through an employer.
 
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