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Old 12-06-2013, 05:33 PM   #11
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Originally Posted by Addie View Post
Oh my! You have my sympathy. Here when you turn 65, (if you are on Medicare) you can go to any doctor you want and you don't need any referrals for specialists. We also have Medicaid which pays for anything that Medicare doesn't. Or the balance of what Medicare received. Medicare never pays the full amount of what a doctor charges.

The day I turned 65, my phone rang all day cancelling all my appointments. My Blue Cross/Blue Shield private insurance was cancelled automatically on my birthday. All the doctors wanted to make sure my Medicare had kicked in. So I had to make all new appointments for the following months. What a PITA! With the health care organization I am with now, EVERTHING is taken care of for me and I have no worries about any medicines or procedures I may need. The make all my appointments, provide all my medicines, provide all transportation to and from appointments, etc. Good luck in training your new doctor. Make list of what you want to talk to him about and have it in your hand. That is if you can stay alive that long. Should I be shopping for a black dress?
Crumbs - health insurance cuts out just when you start to need it. It sounds as though you're lucky with your care. The British National Health Service may not be perfect but at least no-one dies because they can't afford to go to the doctor!

I was lucky enough just to slip under the barrier before they raised the retirement age for women and got my pension when I was 60 so I don't have to pay for my prescriptions but even when I did it was only 7 (about $10?) an item regardless of its actual cost and I think if you are under retirement age but you're on certain welfare benefits you may get them free too, but I'm not sure. Of course, children get free meds on prescription.

I didn't understand what all the kerfuffle about "Obama Care" was about as most of the reporting on the news here was about the political ramifications and when I researched it I was even more confused. Was it supposed to make health care more accessible for the poor or less accessible?
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Old 12-06-2013, 05:44 PM   #12
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I signed up for Obamacare and will find out how it works January 1 2014. The plan I selected is very similar to the one I have now, we'll see!

I made the change for purely financial reasons. The premium on my current plan is going up to $940.00/month next year, the Obamacare premium is $465.00/month. My major concern is that when it renews the premium will skyrocket if enough people do not sign up, only time will tell!

At times I find myself getting sick from worry about my health insurance!
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Old 12-06-2013, 05:54 PM   #13
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Crumbs - health insurance cuts out just when you start to need it. It sounds as though you're lucky with your care. The British National Health Service may not be perfect but at least no-one dies because they can't afford to go to the doctor!

I was lucky enough just to slip under the barrier before they raised the retirement age for women and got my pension when I was 60 so I don't have to pay for my prescriptions but even when I did it was only 7 (about $10?) an item regardless of its actual cost and I think if you are under retirement age but you're on certain welfare benefits you may get them free too, but I'm not sure. Of course, children get free meds on prescription.

I didn't understand what all the kerfuffle about "Obama Care" was about as most of the reporting on the news here was about the political ramifications and when I researched it I was even more confused. Was it supposed to make health care more accessible for the poor or less accessible?
It's supposed to make affordable health insurance more accessible to the general population. If you don't have coverage through your employer (mine cost me $200 per month, rest is paid by employer), then you can now buy insurance at a lower cost and what you pay is supposed to be based on your income. It's a pretty rough system, at the moment. We really just need a single payer (my opinion) system similar to what you have, but this was the compromise. We really don't need "insurance" but accessible health care for all.
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Old 12-06-2013, 05:55 PM   #14
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We've kept this pretty clean and not political at all so far, so lets try to keep it that way!
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Old 12-06-2013, 06:48 PM   #15
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Addy, your health care may be free to you, but it's not the case for everyone over 65 in this country, and that needs to be made very clear. Most of us on Medicare either pay out of pocket for what it doesn't cover, or pay for supplemental insurance to cover what's not included in Medicare. I wouldn't want for you to give anyone who doesn't live in this country the impression that everyone over the age of 65 receives all your benefits free of charge because it's just not so.

MC, I so agree about how young doctors seem to be these days. I'm reminded of what Erma Bombeck said in one of her books..."I'm looking for a doctor older than my cookie sheets".
As they say over here, you know you're getting old when you notice how young the policemen are getting.

Yes, we are very lucky over here with our free health care. Of course, we do contribute through our National Insurance payments (a small amount paid at source out of income) throughout our working lives but there is no question of a patient being refused care or treatment because s/he hasn't paid enough contributions. If you are unemployed or at home bringing up children you are credited with free contributions so you don't lose out.

All this came out of the Beveridge Report in 1944 which identified the "Five Giant Evils" in society - squalor, ignorance, want, idleness, and disease, and went on to propose widespread reform to the system of social welfare to address these evils and between the end of the war and 1949 all the recommendations of the Beveridge Report had been implemented.

It seems to me very odd that a civilised country like the USA can't organise itself into an efficient welfare system. And it appears to be getting worse. When I was trying to find out about Obama Care I read that, according to an Amnesty International report, the USA has the worst record for deaths connected with childbirth of all the industrialised nations and the maternal death rate has doubled in the last 25 years, whereas in most other countries the maternal death rate has dropped.
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Old 12-06-2013, 06:50 PM   #16
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We've kept this pretty clean and not political at all so far, so lets try to keep it that way!
Sorry, didn't mean to be political. It was a genuine enquiry
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Old 12-06-2013, 11:29 PM   #17
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Sorry, didn't mean to be political. It was a genuine enquiry
No, no problem. The subject of health care becomes very political over here there are VERY strong opinions on both sides.
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Old 12-07-2013, 07:34 AM   #18
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Medicare only pays 80% and it isn't free. They take a little more than $100 out of your social security check for it. Medicaid is only available to people with very low income. Some low income patients can get help with paying the $100 per month fee. I am not eligible for that, mainly because they go by the combined household income. As someone else mentioned, most people buy a medicare supplement to help pay what Medicare doesn't pay. That can cost between $0 and over $500 per month on top of the $100 they take out of the SS check. It depends on what coverage you want or can afford to buy. Even with this, if I get a prescription that is brand medication it is $112.00 for 90 day supply. I try to get the dr to prescribe generics so I can pay $25 for 90 day supply. Newer meds are not available in generic but doctors consider them to be superior to older meds and push you to try them.

In our area, most people who don't have insurance use the emergency room like a family doctor because they must treat you even if you have no insurance or money to pay. Most doctor's require payment at the time of service, no exceptions. If you have insurance but go to the emergency room for something that is not considered an emergency, your insurance can deny the claim, although I've never heard of that actually happening.
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Old 12-07-2013, 10:24 AM   #19
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I shall be 65 in February too ( 24th as it happens) May I be so bold as to point out 1 or 2 errors in your approach?
1.Next time dress as a Hippy and rattle on about alternative therapies. They can't resist the challenge to get you back onside. Will offer you all sorts.
2. Tell them it is such a shame how Britain has slipped so far down the league tables of the world for healthcare, even way below France (they hate that) then have to convince you how wrong you are so will again offer you all kinds.
3. Move to France. Here if you have to see a consultant they apologise if they can't fit you in for two days. No kidding.
4. Thank him very much,pat him on the head, sigh sympathetically and then ask for a second opinion...........".just to be on the safe side Kid"
Good luck!
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