Health care insurance in the USA

I think OSDE covers overseas for ~6 months. That said, I'd be worried about what kind of coverage you'd be able to get in the States as OSDE has their designated providers, and you'd probably have to pay out of pocket for non-OSDE providers and hope that OSDE can/will pay you back.
 
seba.1988 said:
Hi to everyone,

I wanted to know the opinion of all the people who has lived in the USA about the health insurance and the conception of "health" in the USA.

I just accessed the Medicare Webpage, and the impression I got is that health is a grosssss business in the USA.

I know that in Argentina is the same with "Prepagas" (private health insurance) but I dont get the same feeling, at least not such a bad feeling as with the USA H. insurance. ( cause at least people in need have access to state hospitals which offer a good service, in my opinion).

Whay do you all think ?

Thanks !

Actually it really isn't that complicated of an issue at all.

The reality is this:

A) If you are middle-class to very wealthy health care reform isn't an issue for you. Why? Because Americans in this tax bracket are by and large able to afford private insurance or get insurance through their jobs.

B) If you are lower middle-class to poor you are f$cked.
C) If you have a pre-existing condition in the US, lets say for instance, asthma....you are f$cked.

Take it from me. I come from a middle-class family. Insurance was never on my radar until a few years after college. I graduated from graduate school at the height of the recession (mid 2009).

Couldn't find a job. No job, no health insurance. I am an asthmatic. Do you know what that means? I tried doing it the "American" way by getting private insurance but guess what? Was denied, denied and denied. And if I wasn't denied, the premium was so cost prohibitive I couldn't afford it. I depend on a controller inhaler (Advair) and a rescue inhaler. I was relegated to a rescue inhaler for months until I found a free clinic that would supply me with Advair, free of charge, under a government program. In the US Advair is over $200 for a month's supply. The same drug in Argentina is about $40 for a month's supply. I can't wait to move back. Free markets are great when you're rich or wealthy. The farther away you move from those extremes its shortcomings become increasingly more evident.
 
If you go outside Argentina, especially to the US, always buy travel insurance. It is something like 3 USD per day, totally worth it (try in ISSTA or other travel agents).

The medical care scam is great to make any American talking to you really angry. You will see those that get angry with their country, and those that, incredibly, try to defend that system with feeble arguments about innovation and being against socialism (!!). So, talk about the subject only if you want to really know where an American stands, and if he can be your friend.
 
This is such a complicated subject. I think you have to separate quality of US health care from the politics of the system. Putting aside the costs and the problems of excluding pre existing conditions, the actual quality of care in the US is excellent -- that's why people from all over the world go there for treatment. When I recently thought I might need eye surgery (seems it is not necessary) I knew that I'd rather have it at a leading hospital in the US than in Argentina and I started to explore costs. I am fully covered in Argentina but when it comes to something like vision, I don't care to take a risk to prove a point that US medical care is inferior to Argentine care. The US has the great hospitals. Argentina has a few good ones but Argentina is not in the same league as the best in the US. The problems of cost and exclusions for pre existing conditions are serious in the US and getting worse. Doctors earn a lot, the medical related industries make huge profits. Of course if you have a decent job your employer will give you insurance so it's not an issue. if you have to pay it can be expensive but if you have to pay in Argentina it is also very expensive in relation to incomes. My parents in the US get great care thanks to Medicare. It covers 80% even at the very best hospitals and a modest insurance policy will pay for most or all of the remaining 20%. In Argentina private insurance for people 65 and over is extraordinarily expensive and public hospitals are generally pretty poor, the Fernandez being a possible exception but I don't think that most expats would choose to go there if they could go to a good clinic.
 
I would agree with sergio, that much of the health care in the U.S. is of high quality, insofar as they have all the newest and latest toys for diagnosing problems and the hospitals are not dingy and they have advance surgical techniques, etc... but I would argue that general medical care for the average person of average health is not better. I don't think that the average healthy person receives better care there than here or Canada or Brazil or anywhere else with a more socialized medical system. And without a doubt, poor and underdeveloped areas of the U.S. are under-served and those that fall into the lower and lower middle class do not receive good care or service at all.

In the U.S. there are no free flu vaccines. You can wait hours after showing up on time to see a doctor, when you are suffering pain or fever or whatever, and never actually see the guy whose name is on the door. Health insurance companies require the doctors that participate in their plans see a set number of patient each day. It can be upwards of 20-30 in major cities, which means that a doctor can only spend 15-20 minutes with each patient in eight hours of working. And that's when accepts one company, most accept multiple.

The emergency room care also is horrible. I've been in the emergency room 2 times in Mississippi (stitches and broken arm) and 2 times in New York (stitches and allergic reaction) and have waited on average 3 hours to see someone arm dangling, bleeding and throat swollen with hives. Versus our experience here where we walked in the door with my son and we saw a doctor within 5 minutes without even first filling out paperwork.

Also, it's a little misleading to say, if you have a good job for a good company you will have insurance. It's not true that working a 40 hour week for a real company will automatically get you health insurance. Until the health care reform bill private employers were not required to provide health insurance to full time employees, so you could be the secretary for an architect, you could be an architect or work for any other reputable, established company, work 40+ hours/week and have no benefits. You could also work for a company like Wal-Mart, Target or some other giant corporation that provides full time employees with benefits and they can work you 39 hours to avoid paying your insurance, circumventing their own internal policies.

It true that there is legislation now set to start in 2014 that will require employers to provide insurance, but I'm a cynic. There are always ways to avoid paying and companies will always find them.

marksoc is right. It's unfortunate, but if you take all the things discussed here and all the issue you hear on the news and your multiply them in severity by 1000, you still couldn't touch how utterly messed up, bureaucratized, confused, self-defeating and self-destructive the U.S. health care system really is.
 
I very much agree with Sergio. While the system is very flawed in the US, I would much prefer to trust my life to an American hospital/doctor in general. I could give many examples of the way I find heathcare here to have much lower standards than the US (poor hygiene, lack of equipment, outdated medicines/standard treatments/procedures, even sometimes a distinct lack of professionalism).

Again, the health insurance situation is ridiculous, and I am one of the poor suckers who was diagnosed with a ¨pre existing condition¨ just before my 23rd birthday as my parents´ insurance was running out. I´ve had a lovely time trying to find policies that would take me (none of course), and luckily due to the recent health reform I am now able to continue on my parents´ insurance until I am 26. Hopefully my ¨pre existing condition¨ will be cured by the time I am 26 or I will be in the same boat.

So each system has its positive and its negative side. I really hope to resolve my own personal health insurance problem before my parents´ insurance stops covering me, because I´d hate to think I cannot get any major health concerns taken care of in the US. Maybe I´ve just been terribly unlucky, but if I had to have a serious surgery done here, I think I´d rather go into debt in the US. I mean, I have been to more than a handful of doctors who didn´t even wear gloves for some or other procedure!

Keeping my fingers crossed that healthcare reform will help me gain access to the US healthcare system in the future, because its quality is really second to none...
 
sergio said:
This is such a complicated subject. I think you have to separate quality of US health care from the politics of the system. Putting aside the costs and the problems of excluding pre existing conditions, the actual quality of care in the US is excellent

It's not complicated at all Sergio, it's called unbelievable, OUT-OF-CONTROL GREED, no caring what-so-ever for the human being - TOTALLY IMMORAL !!!!

sergio said:
The problems of cost and exclusions for pre existing conditions are serious in the US and getting worse. Doctors earn a lot, the medical related industries make GIGANTIC, EXTREMELY HUGE profits. Of course if you have a decent job your employer will give you insurance so it's not an issue.

Not exactly true, Employer's are cutting back more and more as prices/greed goes up and up

sergio said:
My parents in the US get great care thanks to Medicare Yeah, it's great but you must be over 65 years old. It covers 80% even at the very best hospitals and a modest insurance policy will pay for most or all of the remaining 20%.

It just proves what a purely immoral country the USA really is..... People's lives don't matter unless you're a Politician, Military, Government Worker, Celebrity, or in the top 2% of SUPER WEALTH (Multi- Millionaires, Billionaires)


READ THE COMMENTS AT THE END, SAYS IT ALL !!!
http://money.cnn.com/2010/06/14/news/economy/health_care_2011/index.htm
 
Nothing upsets me more than the US so-called HEALTH CARE SYSTEM. Being "Self Employed" I pay an arm and a leg ($800.00 a month total) for me and my Girlfriend/Business partner (and the price just keeps going up on top of the fact that neither her or I have every used a penny of our Health Insurance - they are just all GREEDY sub Humans, nothing more.HERE'S THE SOLUTION. YOU MUST TAKE A LONG FLIGHT BUT EVERYTHING ELSE IS GREAT OR BETTER THAN !!!

BUMRUNGRAD INTERNATIONAL HOSPITAL, BANGKOK, THAILAND
http://www.youtube.com/watch?v=paNRv---Adw&feature=related

MORE HAPPY USA VISITORS AT BUMRUNGRAD IN BANGKOK
http://www.youtube.com/watch?v=lLHr-8zBPWI&feature=related
 
andebobandy said:
I would agree with sergio, that much of the health care in the U.S. is of high quality, insofar as they have all the newest and latest toys for diagnosing problems and the hospitals are not dingy and they have advance surgical techniques, etc... but I would argue that general medical care for the average person of average health is not better. I don't think that the average healthy person receives better care there than here or Canada or Brazil or anywhere else with a more socialized medical system. And without a doubt, poor and underdeveloped areas of the U.S. are under-served and those that fall into the lower and lower middle class do not receive good care or service at all.

In the U.S. there are no free flu vaccines. You can wait hours after showing up on time to see a doctor, when you are suffering pain or fever or whatever, and never actually see the guy whose name is on the door. Health insurance companies require the doctors that participate in their plans see a set number of patient each day. It can be upwards of 20-30 in major cities, which means that a doctor can only spend 15-20 minutes with each patient in eight hours of working. And that's when accepts one company, most accept multiple.

The emergency room care also is horrible. I've been in the emergency room 2 times in Mississippi (stitches and broken arm) and 2 times in New York (stitches and allergic reaction) and have waited on average 3 hours to see someone arm dangling, bleeding and throat swollen with hives. Versus our experience here where we walked in the door with my son and we saw a doctor within 5 minutes without even first filling out paperwork.

Also, it's a little misleading to say, if you have a good job for a good company you will have insurance. It's not true that working a 40 hour week for a real company will automatically get you health insurance. Until the health care reform bill private employers were not required to provide health insurance to full time employees, so you could be the secretary for an architect, you could be an architect or work for any other reputable, established company, work 40+ hours/week and have no benefits. You could also work for a company like Wal-Mart, Target or some other giant corporation that provides full time employees with benefits and they can work you 39 hours to avoid paying your insurance, circumventing their own internal policies.

It true that there is legislation now set to start in 2014 that will require employers to provide insurance, but I'm a cynic. There are always ways to avoid paying and companies will always find them.

marksoc is right. It's unfortunate, but if you take all the things discussed here and all the issue you hear on the news and your multiply them in severity by 1000, you still couldn't touch how utterly messed up, bureaucratized, confused, self-defeating and self-destructive the U.S. health care system really is.

Of all my friends in the US who have full time jobs, all are provided with quality health insurance. There may be exceptions but I don't know of them. In some cases a modest percentage of the care is paid for by the employee. Good health insurance is a major consideration in job seeking. Some companies are pretty progressive and are even offering coverage for couples who are not married including same sex couples so I would say that the picture is not as bleak as you say. Good policies will give you access to the best hospitals. There are some mediocre hospitals in rural areas but the same can be said for any country. Take a look at Argentina.
As for Medicare, I know how my parents are treated and I can say that it is FANTASTIC. My mother recently had surgery at one of the best eye hospitals in the US by one of their leading doctors and Medicare covered 80% with her inexpensive insurance covering most of the remainder. I am not knocking care in Argentina which is good if you can afford the better plans but, as I said, I would prefer to have something sensitive like eye surgery at a leading eye hospital in the US than in Argentina. The 'toys' you talk about are not toys but vital technology. I also feel more secure with a doctor trained at Harvard Medical School or one of the other leading medical schools in the US because I KNOW that they have rigid standards. You can NOT assess a doctor's likely competence in Argentina by his medical degree because almost all are UBA graduates and UBA is known to graduate some brilliant and some very poor doctors. Argentina being Argentina, there is very little control and incompetents can much more easily slip through the system. In choosing a surgeon in Argentina you must consider the private clinic he works for. If it is a leading clinic such as IADT he is probably good. You then need to ask informed people (good doctors mainly) about the reputation of the doctors on the staff. It is not so easy to know what you are doing unless you are well connected and well informed. In the US it is a LOT easier to figure out who is likely to be at the top of his profession and despite what some people may say, these doctors will accept health insurance and most or all of the costs are usually covered. So I'd say that health care in the US is pretty good if you use it wisely. As I said, I am not criticizing care in Argentina. I have had very good care for which I pay a lot in monthly fees but if I have a choice when it comes to serious surgery I know where I'd RATHER go.
 
Back
Top