|
I live near a big city and spend a lot of time there. My partner has medical issues so I spend a lot of time hanging out in hospitals and clinics. My father was seriously ill and recently passed away.
Here's what I pay for health care, right off my pay stub.
Employer Paid Deductions Description Amount Enhanced Prescription Drug Fam 42.50 Enhanced Dental Plan Family 80.00 Enhanced Extended Medical Fam 11.10 Alberta Health Care Family 44.00
Employee After-Tax Deductions Description Amount Enhanced Prescription Drug Fam 67.50 Enhanced Dental Plan Family 34.00 Enhanced Extended Medical Fam 31.30 Alberta Health Care Family 44.00
Prescriptions I pay 20%, no limit. Regular dentistry I pay 20% reasonable limits. Fancy dentistry I pay 50% reasonable limits. Regular health care I pay zippo, nothing, nada. There are minor charges for crutches, casts - waaaaay below cost. Some dentists extra-bill - your mileage varies.
Basically, it breaks down to necessary and elective. Necessary stuff is free or inexpensive, the price goes up when you get into elective stuff.
Here's a typical example.
I had a cyst growing behind one ear. I had three regular doctor's visits where we looked at it and talked about it. Eventually, I was sent to a plastic surgeon to have something done about it. It took me a month to get in. He removed it and sent it off to the lab. My total cost - $0.00 on regular coverage.
I've got some moles growing on my back that have increased in size. I've had three doctor's visits to look at them. Cost so far, zero. However, since in the two doctors' opinions they're benign, to have them removed is considered elective surgery and would NOT be free.
Last night, my partner's back pain was majorly acting up so we dropped by emerge to see what was wrong. They did an x-ray, a doctor looked at them and gave him a shot of something-or-other. Total cost - zero. Half hour wait in the waiting room, 10 minute wait on the ward, got right into X-ray, another 15-minute wait for the doctor to interpret the X-rays, 5 minutes for the nurse to show up with the shot and we were out of there.
Another time, he had a massive allergic reaction to something and bloated up and started wheezing. As the hospital was right down the street, I drove him into emerge and yelled for somebody to help with a breathing problem. He was seen literally instantly. They sent me over to the desk to confirm his Health Care information - it's all online. By the time that was done, he'd already had a shot, he was on oxygen and they were hooking up a monitor. Total cost - zip.
One time, I was visiting somebody in the hospital and suddenly felt faint and keeled over right in the middle of the hall. A nurse yelled something, then the PA announced something, and then I was surrounded by people, put on a gurney, rushed down to emerge and put on a bunch of monitors. Wait time - I didn't even hit the floor.
My father had a major stroke and was in and out of hospital. He had home care and there were a bewildering number of people in and out of the house doing things. The only major cash outlay was for someone to come in and help with his bath (<$50 /week) and some time spent in a nursing home when my mother got too ill to deal with him (~$2000/month). She also had to rent wheelchairs and stuff but this was all subsidized.
There are only two scenarios where I see major wait times. My partner goes to a clinic that's open all sorts of crazy hours. It's one of the few clinics that keeps mad hours, so it tends to be busy after 8 p.m. It can take up to two hours to see a doctor. Nevertheless, were I to keel over in the waiting room, I'd been seen immediately. If someone were to walk in with a bleeding kid, it would be dealt with immediately.
The other wait time is emergency in peak periods eg. Friday night.
Where a lot of the controversy comes from is elective surgery. For that, you can wait 'til hell freezes over. That's from a lack of surgeons. We lose them to the big bucks in the states. Canada is fast-tracking bringing in qualified people from overseas but there's some resistance to honouring their qualifications. There's also been some kafufle over cancer surgeries. Same issue.
|