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In practice NICEs threshold is what any insurer would do This is what makes Americans getting upset their insurance rejects coverage for medicines so ironic.
by refurb 2y ago
In practice NICEs threshold is what any insurer would do
This is what makes Americans getting upset their insurance rejects coverage for medicines so ironic.
Single payer systems do the exact same thing. The difference is in the UK is the option is just isn’t brought up in the first place because the doctor already knows it’s not paid for.
- vidarh 2y agoEven then, they'll happily bring it up if you mention you're fine with private referrals or recommendations for something that isn't covered. Almost all single-payer systems are single-payer only in the sense that everyone is covered by the public system, but without preventing people from going outside it. A very few - Norway used to - strictly limits what you can go outside the system for. In the UK about 10% have private insurance on top.
- refurb 2y agoRight. So if you have the $$$
- vidarh 2y agoTypical insurance costs in the UK are extremely low compared to the US though. Most health insurance is "top up" based, in the sense that it covers things the NHS doesn't do well enough, like shorter waiting lists for some elective procedures. The average cost of private health insurance in the UK is ~$114/month.
- refurb 2y agoOf course it’s cheaper it covers much less. The US insurance pays for everything. UK insurance layers on top of the public system. Plus UK insurance excludes pre-existing conditions. In the US you can get diagnosed with cancer and then buy insurance to pay for it.