|
Post by bescheid on Jan 11, 2008 8:43:11 GMT -7
Chris You have worked many years in the health care system, I do have a question. Is perhaps the quality/access differing in as much as a regional reality? I have followed this thread with great interest between your self, Mary and Jaga. Within the context of exchanges, I have noticed a vast difference in the cost/access and quality ratio, and a vast distance of area. These for reason of my question, I am confused with the Health care system of the US. For at present, there appears as it is not consistent and varies with local. Charles Charles, Part of the problem here is that except for Medicare (for the elderly), there is no national health care system in the US. States have control over what they want to do, and that varies greatly. In Massachusetts where I live, a law has recently been passed and implemented requiring all citizens to have some form of health insurance. The state provides care for the poorest, and insurance companies now offer plans of various cost and care levels. There are actually tax penalties now for anyone who does not have insurance coverage. Jeanne Thank you Jeanne for your very thoughtful reply. It is more clear in-as-much as this is not regional, but to the discretion of each individual state. It would so appear, as in this case, the poor are looked after by the state. I was to check with questions. The state of Washington is some thing similar to the arrangement in your area. In this case of Washington. The poor appear to have the option of obtaining medical coupons at discretion of the Department of Social Services {Welfare}. Or, as in the case of under-insured or without medical insurance, street people and other poor, seek medical help by appearing at a hospital emergency room. As this is most expensive in the ordinary course of events, these people will not be turned away. I am not sure, but believe those emergency room departments take these cases as a loss on their books. In as much of requirement of mandatory medical insurance coverage. I do not believe this is a Washington state requirement. The manner of control by dictate, is the medical offices are for profit, and hold the option to refuse people with out medical insurance. With this manner of dictate of non-admittance by the private for profit medical locals, this in turn creates the non-insured for their seekage of help, to the hospitals emergency room services. My personal observation: The medical service industry is a very large mess lacking focus, empathy and over laden with high focus on insurance payments as a marker of cost/profit margins. Charles
|
|
|
Post by valpomike on Jan 11, 2008 9:19:41 GMT -7
Charles,
Is it better in Germany? I don't think you will answer me, but is it? Why is it better there, if if is?
Michael Dabrowski
|
|
|
Post by bescheid on Jan 11, 2008 11:47:57 GMT -7
Charles, Is it better in Germany? I don't think you will answer me, but is it? Why is it better there, if if is? Michael Dabrowski Michael We are not so much better then you guys. What we do have though, is very excellent facilities for treatment. It is expensive and no free ride, ok? The following is a fair assessment of our system. I say this with a certain amount of question. My self as a person, have been as Beamte, as so, I am issued a medical card. I present this upon a visit, and that is it. It cost is nothing to me. Whilst I am working in your country. I present my card, and your people know not what it says. I then pay out cash for my treatment, then to present the cost pay out from my pocket, and I am re-reimbursed for my expenses. But, perhaps to qualify this: For I as a person, do detest very highly to be so low as to must see a doctor. I simply hate to visit the office of doctor, ok? But, that is of my self. The following is a url I do trust that will better to answer of your questions. tiss.zdv.uni-tuebingen.de/webroot/sp/spsba01_W98_1/germany5.htmI love the E-Net, for every thing is possible... Michael, of course I will answer of yours... ein noten: I switch between my language to that of yours, please of not to be offended. For in work time, I must not steal from my employer my time for this moment, ok? Charles
|
|
|
Post by valpomike on Jan 11, 2008 14:39:59 GMT -7
Charles,
So how does the German health care, compare with that of the U.S.A.? Is Poland's worst than the rest, or as good? So you say, no free health care in Germany, is this correct. Michael Dabrowski
|
|
|
Post by freetobe on Jan 11, 2008 19:49:40 GMT -7
Jaga, Pawain and Mary I hope that this will will clear our misunderstandings. 1-You have opinions as do I
2 I am not omnipotent, nor or you or others on this forum
3- If my posts rankle you; in reality ask your self why. I do when I read some of yours. Again, opinions ( mine and yours)and not truth or something like that
4- Pawian, education provider ( that you believe some of us need) Look at the definition of "tuition" and it's usage in modern day Endlish speaking nations. I am thrilled to have you help to pay for my university cost. Please do not make unfounded observations as to my mood . My posts are no more sarcastic then yours. Need I include a ha ha as you do to ameliiorate sarcasasm? 5- The Polish Cultire website isn't not for profit. The advertising is an indication thay the website owners recieve income. Okay. That way we can all participate without having to pay. For now
Finally, I enjoy reading many informative posts on the PCF and am happy it is here in cyber space. What bothers me is the attitude of the admins. We don't have to agree, but some honesty is in order
FTB
|
|
|
Post by bescheid on Jan 11, 2008 20:03:08 GMT -7
Charles, So how does the German health care, compare with that of the U.S.A.? Is Poland's worst than the rest, or as good? So you say, no free health care in Germany, is this correct. Michael Dabrowski Michael I am not qualified to speak for Poland or compare our system with that of Poland. Please to consult one of the Polish people on this. To compare our system with your American system, I am not absolutely sure. I will qualify this: I sincerely do hate and loath to go to a doctor, I do not like hospitals and avoid in all manners a medical facility. The limited exposure I have with your medical facilities, has been for laser eye surgery and some visits to a Japanese {American} doctor for eye treatments. What I have observed and experienced, is a very high quality medical expertise of the physician, very modern medical equipment, the facilities were very modern and clean as you would expect to be that of ours. Do we have free health Coverage, you have asked? Well, yes, and well no. The system is a multilevel system between Federal and Private insurers. The most common insurer is {TD} or {Techniker Krankenkasse}. For those with out medical insurance for what ever reason, there is a social fund set up for this purpose {Sozialamt} or through one of the alternate {AOKs {Allgemeine Ortskrankenkasse}. Working people do pay for health insurance coverage. It is through payroll deduction, and it has a tendency to be expensive, it is required. With exception of those who are self employed and or having a gross income of and exceeding that of Euro 3.862 then this people have the option of obtaining private insurance or if they wish, join the Federal payroll deduction insurance of the state plan. The deduction is a .5 situation. The employer matches with the employee deduction, with employer contribution. But no matter the health insurance fund, by law, it must always be viable. Note: My eye surgery as previously describe, was conducted with one of our machines of manufacture. In as much similar to the MIR machines of the hospital. Both machines are of Siemens. In my country, no one is turned away from medical care. This is a very important aspect of our lives. If we have the ability to pay, it is expensive, if for those with out the means of payment, they have equal right to enter any medical facility and be seen then and there. Medical treatment is of a very high quality and equal for all. Noten: A reason a person may have to opt out of state medical insurance by reason of high income above the required limit, is very possible they may pay less in premiums then that of normal payroll deduction and as so, are saving the deference. But all the same must by law, have medical insurance. I forgot to mention amount of deduction mandatory up to amount of payroll salary of euro 3 862 {month} is between 13% and 14% of gross salary. I do trust this has answered of questions you may have of our medical system. Charles
|
|
joyce
Full Pole
Posts: 394
|
Post by joyce on Jan 13, 2008 8:28:31 GMT -7
Chris You have worked many years in the health care system, I do have a question. Is perhaps the quality/access differing in as much as a regional reality? I have followed this thread with great interest between your self, Mary and Jaga. Within the context of exchanges, I have noticed a vast difference in the cost/access and quality ratio, and a vast distance of area. These for reason of my question, I am confused with the Health care system of the US. For at present, there appears as it is not consistent and varies with local. Charles Charles, Part of the problem here is that except for Medicare (for the elderly), there is no national health care system in the US. States have control over what they want to do, and that varies greatly. In Massachusetts where I live, a law has recently been passed and implemented requiring all citizens to have some form of health insurance. The state provides care for the poorest, and insurance companies now offer plans of various cost and care levels. There are actually tax penalties now for anyone who does not have insurance coverage. Jeanne I hope that Texas doesn't follow suit with this idea about tax penalties. If this was enacted as Federal law-alot of people would be paying the national deficit. Some Texans can't afford health insurance-who are considered the "working poor." Those who cannot afford insurance can still get treatment at most of the hospitals around the state. There are signs in the hallways saying that the hospital cannot refuse treatment to those seeking treatment. The hospital's accountants will bug the crap out of you for payment of their services tho. If they think you have some money, they want it. They can also press a lawsuit onto you if they feel greedy. In the past when our health care coverage was less than, I had an outstanding hospital bill that stayed on the books. When we acquired better coverage thru another insurer, the hospital re-billed the new carrier for the old bill. Thank goodness the new insurer caught the hospital bad billing practice and turned the claim down. The hospital thought it was gonna get more money. (By the way the old bill has been paid.) A little known item for those who are in need. If you do not have health insurance and you receive the care from a hospital, you can go to the Social Services department and ask that your total bill be "forgiven." Granted you may have to fill out paper work regarding your financial status/work history, etc. Most of the hospitals receive private funding and state grants(extra money) that will pay your bill in full. This has happened twice for our son. Our son was a college student, had limited income, and didn't live at home. He needed emergency medical care at the time. He applied to have his bill forgiven and it was accepted as a forgiven debt. We continue to have health insurance, but each year, the insurance company limits the coverage that we have. But yet they keep on raising the premiums and the deductibles. And the cost of procedures continue to rise. I can understand about not going to see a doctor when you have simple things wrong with you-such as a cold or a virus. Seeing a doctor when major illnesses strike is essential. For some illness can be life threatening. My adage is if it doesn't go away in 3 weeks, then I go see someone. There's been a few times where I have waited too long tho...
|
|
Pawian
European
Have you seen my frog?
Posts: 3,266
|
Post by Pawian on Jan 13, 2008 9:30:12 GMT -7
Jaga, Pawain and Mary I hope that this will will clear our misunderstandings. 1-You have opinions as do I 2 I am not omnipotent, nor or you or others on this forum 3- If my posts rankle you; in reality ask your self why. I do when I read some of yours. Again, opinions ( mine and yours)and not truth or something like that 4- Pawian, education provider ( that you believe some of us need) Look at the definition of "tuition" and it's usage in modern day Endlish speaking nations. I am thrilled to have you help to pay for my university cost. Please do not make unfounded observations as to my mood . My posts are no more sarcastic then yours. Need I include a ha ha as you do to ameliiorate sarcasasm? 5- The Polish Cultire website isn't not for profit. The advertising is an indication thay the website owners recieve income. Okay. That way we can all participate without having to pay. For now This post contains two misinterpretations of yours. The first one about admins being paid for advertisments on their site has already been resolved by Jaga. She explained to you that you were wrong. Now, I have to resolve the other misinterpretation. You are wrong if you think that tuition suggests university fee only. Yes, it has such a meaning: 1. a fee paid for instruction (especially for higher education) ..... but it also has a meaning of: 2. teaching pupils individually (usually by a tutor hired privately). I know it very well because: 1. I am a private tuitor myself. 2. The term reappears in my school books frequently. An example inserted in a travel brochure: Equipment and tuition provided for beginners. So, I am afraid and sorry, Freetube, I am not going to pay your university fees. But I am still going to be a tuitor for you. Like now! hahahahahahaha
|
|
|
Post by valpomike on Jan 13, 2008 9:58:14 GMT -7
PLAY NICE KIDS
|
|
|
Post by leslie on Jan 13, 2008 10:00:03 GMT -7
Pawi
Come on, you can't be a teacher or tutor of the English Language! In your last posting you wrote to Freetobe
"""But I am still going to be a tuitor for you. Like now!"""
Tell me. my good friend. how can I learn to be a tuitor - it sounds as if it is a wonderful (albeit easy as you obviously can do it) job?
Let me be the first to wish you a Happy Easter.
Leslie
|
|
Pawian
European
Have you seen my frog?
Posts: 3,266
|
Post by Pawian on Jan 13, 2008 10:15:54 GMT -7
Pawi Come on, you can't be a teacher or tutor of the English Language! I can, I can. I have already administered a few tests to you hahahahaha. And I offered you free tuition afterwards - the correction of your mistakes. Don`t you remember? Probably you don`t because you didn`t have to pay for that.... Good for you that you wanna give it a try ...but it will be really hard, Les! Firstly, you must be extremely intelligent and knowledgable. Next required feature is a sense of humour, but not the black English one. The last thing is the ability to behave like a child so that your educational interaction with students is complete. Les, I hope you are not leaving us till Easter. But I remember you mentioned some operation. We will pray for you.
|
|
jeanne
Cosmopolitan
Posts: 544
|
Post by jeanne on Jan 13, 2008 12:55:00 GMT -7
I hope that Texas doesn't follow suit with this idea about tax penalties. If this was enacted as Federal law-alot of people would be paying the national deficit. Joyce, Massachusetts passed this law precisely because the poor were overwhelming hospital emergency rooms, using them as their primary care givers. Before the law was implemented, the state made agreements with insurance companies to make lower- cost coverage available and to work with employers to also provide lower-cost coverage where they did not before. The lowest income levels are still covered by MassHealth, the state provided health care. The tax penalties are that you cannot claim your personal deduction on your state income tax unless you can show proof of having health care coverage! Jeanne
|
|
joyce
Full Pole
Posts: 394
|
Post by joyce on Jan 14, 2008 4:30:16 GMT -7
""The tax penalties are that you cannot claim your personal deduction on your state income tax unless you can show proof of having health care coverage!"""
Ah, the key...state income tax. Texas does not have file state income taxes. Federal yes. On the Federal forms, 1040 & when itemizing you can deduct your insurance premiums paid by yourself, along with out of pockets expenses, providing if you have all the receipts. But you only can get 7.5 percent back of your total adjusted gross income. In alot of cases, it's better not to itemize because of the standard deduction is more than the 7.5 percent given.
|
|
jeanne
Cosmopolitan
Posts: 544
|
Post by jeanne on Jan 14, 2008 5:57:22 GMT -7
""The tax penalties are that you cannot claim your personal deduction on your state income tax unless you can show proof of having health care coverage!""" Ah, the key...state income tax. Texas does not have file state income taxes. Federal yes. On the Federal forms, 1040 & when itemizing you can deduct your insurance premiums paid by yourself, along with out of pockets expenses, providing if you have all the receipts. But you only can get 7.5 percent back of your total adjusted gross income. In alot of cases, it's better not to itemize because of the standard deduction is more than the 7.5 percent given. Joyce, Yes, the catch for states adopting this law is if they have state income tax and can enforce the law through penalties. I know in my area of the country NH does not have state income tax either and I'm sure there are others. Jeanne
|
|
|
Post by justjohn on Jan 14, 2008 9:21:53 GMT -7
""The tax penalties are that you cannot claim your personal deduction on your state income tax unless you can show proof of having health care coverage!""" Ah, the key...state income tax. Texas does not have file state income taxes. Federal yes. On the Federal forms, 1040 & when itemizing you can deduct your insurance premiums paid by yourself, along with out of pockets expenses, providing if you have all the receipts. But you only can get 7.5 percent back of your total adjusted gross income. In alot of cases, it's better not to itemize because of the standard deduction is more than the 7.5 percent given. Joyce, Yes, the catch for states adopting this law is if they have state income tax and can enforce the law through penalties. I know in my area of the country NH does not have state income tax either and I'm sure there are others. Jeanne Not only 'No Income Tax' but also 'No Sales Tax' !!!!! That's NH for you.
|
|