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comradebillyboy

(10,128 posts)
2. Medicare is pretty great but
Thu Jul 20, 2017, 01:34 AM
Jul 2017

you really need a supplemental insurance policy for back up. Sort of like the French health care system. Medicare covers 80% but if you are really sick the 20% can still bankrupt you so a supplemental policy is important for the best coverage. In France the government guarantees 60%of your medical costs, the remaining 40% is private insurance. BTW that's not single payer but it is universal.

PoindexterOglethorpe

(25,816 posts)
4. Yes. Medicare is a rock bottom basic thing.
Thu Jul 20, 2017, 02:32 AM
Jul 2017

But an upgrade, for many, isn't very expensive.

I've gone the Medicare Advantage route. For me, it's been wonderful. There are other alternatives.

And that's what we all should have. A basic health care foundation, that covers basic costs and basic needs. Beyond the basics it is fine for people to pay different amounts. But in the end, catastrophic costs need to be covered.

I realize I'm not very knowledgeable about all sorts of things, but it seems to me that starting with some sort of basic care for all, and then allowing people to buy into additional coverage, and for those who can't afford such a buy-in, well at least they won't be bankrupt by medical care, that's the way to go.

If it were up to me, I'd start by lowering the age for Medicare by two years every year, or maybe three years, until it eventually reached everyone.

I'm not at all bothered by the idea that those who can afford more can buy into faster treatment of non-critical illnesses. The important thing is that imminent problems (broken bones, sudden onset of devastating illness) is treated immediately. I kind of think that's the system that prevails in at least some other countries.

Oh, and as to the single payer thing. I think the more important thing is that all paperwork be the same. If we could get that aligned, a lot of problems would suddenly go away.

 

WinkyDink

(51,311 posts)
9. Billed for 20%, if there's no secondary insurance (which isn't free). Up to 100 days in a recovery
Thu Jul 20, 2017, 03:48 AM
Jul 2017

facility (like a nursing home).

SunSeeker

(51,516 posts)
5. You got that right. They dragged their feet with my mom's pancreatic cancer.
Thu Jul 20, 2017, 03:04 AM
Jul 2017

She was on Medicaid here in California. She dropped 20 lbs and had a nagging pain in her left for months. Her doctor told her it was nothing, and did not send her for tests. Then when she dropped another 10 pounds and the pain got even worse, he referred her for a ultrasound scan---and the earliest appointment available to her was two months away. Then it took another 6 weeks to get the results to her because they sent it to her doctor, who had left that practice and no one bothered to tell my mom or follow up with her on her devastating results: a tumor in her pancreas. By the time they had her see a new doctor and that doctor referred her to an oncologist and MRIs, it was already 3 months later. While waiting for her surgery, she had a massive, paralyzing stroke, brought on by the cancer that was STILL not being treated by anyone. They canceled the surgery and recommended hospice at a nursing home. She died 6 weeks later in a Medicaid nursing home, receiving only pain medicine. Every day I had to brush her hair and wipe the food out of it that careless nurse's aides let dribble when they spoon feed her. The nursing home smelled of urine, and was poorly staffed. It was a horrific place to spend the last days of her life. Now compare that to the treatment celebrities and rich people get.

SunSeeker

(51,516 posts)
8. Thanks, Skittles. Yes, we all do deserve better.
Thu Jul 20, 2017, 03:43 AM
Jul 2017

Sadly, from what I saw in that nursing home (I just can't wash it from my mind), that is how most of us little people are treated.

MFM008

(19,803 posts)
6. The military hospital
Thu Jul 20, 2017, 03:08 AM
Jul 2017

Near here called my dad for an appointment after his Dr was on vacation in cardiology.
Unfortunately he died the day before they called.

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