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Having such a reactionary approach is counterproductive, I agree. I know people for who psychiatric care is not optional, they’re doing fine on the right meds though that requires monthly follow ups. That would cost a fortune! Also not covering physical rehabilitation is confusing as it’s pretty much needed after surgery, how are people supposed to regain as much function as possible?
Our health insurance here costs $600 per person per month but then it covers specialists with a $40 copay, includes vision and dental. Basically if you can afford private insurance it’s manageable but that’s a horrible way to design the system since you often loose your insurance if you change jobs.
I miss the French system, it’s not perfect but it was more affordable and teeth were not considered optional. The main inconvenience that I remember were the wait times so you just have to be organized for your routine care and it’s no problem.
Yeah exactly... It's emergencies only really then you're on your own. I needed 20 physiotherapist appts after a severe car crash, thankfully we have special insurance specifically for car crashes that is very good, but if the same thing happened from a random fall or something then idk what I'd do.
Interesting how insurance works differently around the world. It's really weird here. Most people here in AU have private health insurance, even though it does absolutely nothing for them. I ran the numbers myself. As an example, you would pay $1200 a year for something you can max optimistically get $600 value per year from, and that's after multiple years of building up "trust". There's clauses like, only these specific kinds of treatment, only $x per year, only x% of each treatment covered, etc... It's extremely restrictive. But if you tell anyone, they'll get mad and say you're an idiot to not have this scam health insurance. It's better to self-insure here and just try to have ~$1000 set aside for health emergencies.
Glad you were covered to get back on your feet.
That all sounds quite complex to navigate. Crazy with all the tech and resources that we have available now and these are the systems that were designed.