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> meaning that healthcare providers would either need to provide service gratis for the majority of the population (which is, really, just another form of insur
by giaour 5y ago
> meaning that healthcare providers would either need to provide service gratis for the majority of the population (which is, really, just another form of insurance so that's out) or they'd need to secure a personal loan with their bank some time between getting hit by a truck and the operating table
There's also the Chinese model, where you or your family are expected to have substantial cash savings on hand for any medical emergencies.
- munk-a 5y agoI'm not particular familiar with Chinese health insurance - if you lack those cash savings are you left out in the cold? Does the government step in?
- giaour 5y agoI don't have any direct experience with the Chinese health care system, but there's a lot that is not covered by insurance, and bribing doctors or hospital administrators to receive better or quicker care is supposedly widespread (and therefore is or is perceived to be necessary). https://www.newyorker.com/magazine/2014/08/25/under-the-knife https://www.newyorker.com/magazine/2014/08/25/under-the-knif... is a good overview.
- jnwatson 5y agoEven with good insurance, medical costs in the US can exceed the savings of even the most thrifty. My uncle spent $1.7 million in 3 years to care for my aunt, and that is with excellent insurance.
- rootusrootus 5y agoThat’s way above any legal out of pocket max so I’m curious where most of that money went. Definitely wouldn’t call it good insurance. My mom is fighting cancer and her medication is better than 25K a month, but she pays 200. That’s closer to my definition of good insurance.
- deleted 5y ago[deleted]