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Borrowing Limits 20/33

Borrowing Limits 20/33 published on 14 Comments on Borrowing Limits 20/33

Leif: And they had insurance. It just didn’t cover all of the bills, in the end.

Thorn: Why would insurance “not cover” a medical bill?

Leif: How could they stay in business if they didn’t set any limits?

Thorn: How are they allowed to call it “health insurance” if it doesn’t cover all of your health?

Leif: . . . are Ceanska health plans just really expensive to buy?

Thorn: “Buy”?

One long and rocky explanation of “publicly-funded universal health coverage” later

Leif: . . .

I don’t understand how this system is in any way economically viable.

Thorn: If you want the numbers, you will have to go looking on the net. I am a knight, not an economizer.

14 Comments

…there must be things the CHS won’t cover…

There are things that universal health care can’t cover simply due to economics, in any country. Medications that are too expensive, treatments that are not sufficiently proven or integrated into the country’s medical industry, resources beyond the capacity of the system, etc..

But then you would have consciously choosing to go into debt. They don’t just do those things automatically and send you the bill as a surprise. The doctors go “public facilities can’t do this and we reached the limit of what we can do, but I can give you refer to a privately-operating doctors that could help”.

This is a fantasy world, so things don’t HAVE to be according to reality – but theoretically most developed countries ere on earth could provide complete compensation for health/illness/accident, old age/pension, unemployment, education or natural disaster. The current restrictions, beyond those which are intended to prevent misuse, are mostly a matter of politics, not economic need. These things here in Austria are still relatively close to the optimum, even if the last 50 years of of neoliberal social security cuts left their mark. The money spent on these matters does not disappear, it it earned by those, that provide these things, who in turn will spend it

Note that you ARE buying even the “publicly funded” universal health coverage if you are working – only it’s mandatory like taxes (and sometimes hidden in taxes). Students and retiree may have it free, yes.

retiree’s do pay a premium and there is also a co-pay

You’re thinking of private healthcare. Public healthcare is funded by tax dollars, so anyone who doesn’t pay taxes (retirees, students, small children, people on disability, the working poor, etc) aren’t actively contributing to the fund.

Except in countries where *everyone* pays taxes, except children. Here, even if you live completely on benefits, you still pay taxes on them. In fact, the last government implemented a tax reduction for wage-earners, so retirees and people on sickness/disability pensions or benefits pay a HIGHER tax.

What kind of point is that? Taxes are mandatory anyway. And even then, it actually comes out cheaper because there is no insurance company in the middle that contributes nothing but bloats costs on everyone to justify their own existence.

Taxes pay for libraries, roads, and firefighters too, but I’ve never heard anyone refer to “buying library coverage.” There’s no reason to insist on talking about public healthcare in different terms from any other public service.

And why the scare-quotes when you say it’s publicly funded? It’s not a case of “they claim it’s funded by the public, but it’s really funded by you!” The public is you. That’s what the word means.

The public is you, but it needs to be repeated from time to time as some people have problem remembering it on election day.

(In my country, the health insurance is mandatory with price set by laws, but it is paid separately if you are self-employed. If you are employed by corporation, both taxes and health insurance is deduced from your income and send by correct places by corporation of course. Also, we still have those insurance companies bloating cost in the system, despite the actual coverage being same by law, which raises question what exactly are those companies doing to differentiate themselves except advertisement …)

In Canada we have public health care that covers basic health care. That means the government pays for drs, nurses, clinic visits, hospital stays, ER visits, Specialists, some mobility aids (if you qualify), lab work, most ambulance and medical evac (dependant on area) and life necessary medication through several programs per province. There is also “work benefits” offered from a lot of full time jobs that cover the things like prescriptions, dental and other things that don’t fall under basic health care.

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