#21 ·
Jamie Clark74 said:Everyone is waiting on some system... maybe things are better in Europe.
I went through two complicated spinal surgeries by the age of 30.
The last one was last year. I don't have private insurance, so I was just glad a private doctor performed the surgery at a public hospital... he put me at the top of his list. He doesn't practice anymore.
In all of Adelaide, with its 1.075 million people, there isn't a single private doctor who operates in the public hospital system... I've already written about how the wait times are 18 months, and some people wait four years for knee surgery... are these really Western countries?
If you have private health insurance, everything gets done pretty quickly at a private facility. There’s no bribing involved; it’s just paying the difference because doctors often charge more than what insurance covers.
Here, a doctor's visit is covered by Medicare, but you pay an extra fee if the doctor charges more... and everyone does. For example, for a 10-minute visit, the doctor gets $30 from Medicare and asks the patient for an extra $10 for seniors, or $25 for those working.
A well-known specialist neurologist might get $85 per visit from Medicare, and you still have to pay—I personally pay $80 as a retiree.
Private insurance covers private hospitals... for a family starting at age 30, it costs about $1,800 to $2,500.
I had coverage for 28 years before I stopped. If I were to sign up again, I’d face a penalty of 2% for every year of age since I stopped.
Since my wife is 68 and I'm 64, I'd be paying 2% for 36 years (66 minus 30)...
that’s 72% on $1,800, which is a $1,296 penalty, totaling $3,096... and even then, I’d still have to pay because that's the lowest level of coverage, meaning a $250 copay per visit plus whatever extra the doctor charges for surgery.
How is anyone supposed to afford that on a combined pension of $20,800 a year? That might seem like a lot to you in some other place, but it’s very little for life in Australia.
That's Democracy and capitalism for you.
Stay healthy, everyone.
😉