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Re: low-browed, ranty fools.

posted by [identity profile] aerianya.livejournal.com at 08:01pm on 13/08/2009
I think most people get that. There are always gonna be people who try and stir things up, like the man you mentioned from the UK.

Oh sorry,A co-pay is the part you pay that insurance doesn't cover. If your insurance pays 80% your co-pay would be 20%. That's what I pay.
Unless it comes under Major Medical then the insurance pays 100%.
Why would you buy private insurance if it already is paid through income tax?
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Re: Why would you buy private insurance

posted by [identity profile] gillyp.livejournal.com at 08:12pm on 13/08/2009
Various reasons, mostly you're guaranteed a private room and in some cases, you get to jump the queue - not if it's an emergency or life-threatening, of course, but for some elective surgeries and heavily used things like hip replacements where there's a wait-time. You're mainly still using NHS hospitals and personnel and (I've heard) it can feel bad due to a general dislike of queue-jumpers by doctors and nurses. It's very much a tiny (wealthy!) minority . who do it. For the most part there are only short (days) wait times under the NHS and none at all for anything life-threatening.

Hard to say whether I'd pay a co-pay or how I'd feel about it - It's too alien to me, the concept of doing anything other than just turning up at the GP or hospital and expecting to be seen. Paying for that is... I can't compute, tbh, it's not part of my regular mental processing

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Re: Why would you buy private insurance

posted by [identity profile] aerianya.livejournal.com at 08:34pm on 13/08/2009
NHS would pay if you went to a private or research hospital for a maybe unique or newer treatments?
Advanced treatment centers like (I don't know what you have there that equates) St Jude Children's ,MD Anderson or The Mayo Clinic here?
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Re: Why would you buy private insurance

posted by [identity profile] gillyp.livejournal.com at 08:41pm on 13/08/2009
The advanced research centres are all NHS as far as I know. There are very few private hospitals indeed and none of them dealing with anything other than elective, mostly plastic, surgery. The NHS = 95%+ of health care and most private patients get a private room in an NHS hospital using NHS staff.

NHS pay you? for - what? No, never, never heard of such a thing, why? Really, I never heard of that at all! Why would they do that, I am confused!
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Re: Why would you buy private insurance

posted by [identity profile] aerianya.livejournal.com at 08:44pm on 13/08/2009
Sorry, I meant pay the bill or a portion of it.
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Re: Why would you buy private insurance

posted by [identity profile] gillyp.livejournal.com at 08:54pm on 13/08/2009
You mean pay part of the NHS bill?

If so, no, it doesn't work that way, there's no way to pay the NHS even if you wanted to. Everyone who pays tax pays (ie, the Govt take a proportion of everybody's income tax for the NHS) and everyone (whether they pay tax or not) gets the service, no exemptions, no exceptions.

The only thing you might pay for are prescriptions, if you're working (not in any form of education, not unemployed, not retired, not on permanent disability allowance or any other kind of government benefit etc) you pay £7 per item. If you can buy it cheaper than that over the counter, the doctor will tell you and not add it to the prescription.

Other than that - it's all free.
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Re: Why would you buy private insurance

posted by [identity profile] aerianya.livejournal.com at 08:57pm on 13/08/2009
So if you were to go get specialized or radical treatment at a research center like MD Anderson Cancer Treatment Center you would have pay out of pocket yourself?
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Re: Why would you buy private insurance

posted by [identity profile] gillyp.livejournal.com at 09:01pm on 13/08/2009
No, because all British centres of that type are part of the NHS.
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Thank you

posted by [identity profile] aerianya.livejournal.com at 09:11pm on 13/08/2009
for taking the time to give all this great info. I think I may have a handle albeit a small one on this now.
It would probably be as costly either way.$580 Billion doesn't even seem like real money does it?
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Re: Thank you

posted by [identity profile] gillyp.livejournal.com at 09:14pm on 13/08/2009
You're welcome. I hope it helped... whatever it is you wanted to work out. I refuse to think about large fortunes on the principle I shall never own one.
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Re: Thank you

posted by [identity profile] aerianya.livejournal.com at 09:18pm on 13/08/2009
Just a little ammunition in case I need to say something to someone about NHS. I'd like to have a least an idea of what I'm talking about.*g*
amen sister!
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Re: Why would you buy private insurance

posted by [identity profile] gillyp.livejournal.com at 08:55pm on 13/08/2009
I think I just realised you meant the NHS pay part of a private-care bill? *g*

No. You elect to go private, you pay the bill.
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Re: Why would you buy private insurance

posted by [identity profile] aerianya.livejournal.com at 08:59pm on 13/08/2009
Yes that was what I was asking. Sometimes I confuse myself.
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