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Health Systems - Updated

  Author:  26303  Category:(Discussion) Created:(1/19/2010 2:48:00 PM)
This post has been Viewed (2376 times)

Last night I watched Mike  Moore's doco on the American Health System.  I think it may have been a few years old, but only a few.

Oh my gosh, I couldn't believe the system.  Living in Australia we get so much medical assistance for free, or little payment.  Yes, we do have private medicals also, which are always trying to get the people's business.  Our system isn't perfect, but I'd rather be hurt or sick here that's for sure. 

One little girl, whose parents were fully covered by one insurance company, had a high temp and was rushed by her parents to the nearest hospital. The insurance company refused treatment for her, and she was told to go to their insurance approved hospital.  Of course the mother argued, begging the doctors to just look after her little girl.  Their hands were tied, and the mother had to transport her daughter to the other hospital.  Upon arrival the little girl took a turn for the worse and had a cardic arrest.  They were unable to revive her!  OMG!  That is just plain disgusting.

They interviewed a former employee of an insurance company, and his job was to find a way out of having to pay the insurance claim.  There was one clause, too long to remember the name of, but basically it was this:  if you presented with a condition, that you hadn't declared, and that you had symptoms of and that any prudent person would've gone to the doc about, but you didn't, bad luck!  You should've.  For eg (if my take on this is correct), you get the occasional headache.  On your insurance form you don't put this down, seeing it as irrelevant.  Then you are diagnosed in 2010, with a brain tumour.  Insurance won't cover it, cos you should've gone to the doc about those occasional headaches, and you were supposed to declare them. Unbelievable!

The doco showed how other countries operate their medical systems. France has the best system out.  I couldn't get over what they got.   SOS Doctor.  The doctor comes to your house, for nicks, zilch, nothing!

Okay, so yes we pay for it through our taxes.  But really, it's hardly noticable when you don't actually have the money in hand.  We pay taxes for so many other things too, so why not medical?

The kickbacks many people in govt received from drug or insurance companies, in my eyes should be criminal.  Probably happens here too!  Still criminal!

I hope I haven't offended anyone by my comments, that was not my intent.  I was just sadden by the way the American Govt's (and it seems all of them) allow their fellow countrymen to be treated or not as is the case.

UPDATE

Would you believe it?  Guess where I ended up this afternoon.   With my son in casualty.  I went to pick him up from a neighbouring town.  He got to the car with a blood nose.  He sometimes gets them on warm days.  Anyway, I went into the butchers asking for ice, and they said he could sit in there where the air con was on.  We sat there for awhile, and it wouldn't stop bleeding.  I remembered there was a doctors clinic a few doors down, and took him there.  The doc saw him within 5 mins.  It was still bleeding and he had to wait for it to stop to ascertain what was going on up there.  It stopped, and all seemed good, but it started again and he said we needed to get to the hospital.  By the time we got there it had stopped.  The doc had a good look and we had to stay for observation for a couple of hours.  If it starts again, we have to take him straight back. 

As I'm not on a healthcare card, it cost me $18 at the doctors and nothing at the hospital.

I kept thinking, wow, is this because I was writing about our health system?? LOL

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Date: 1/19/2010 2:52:00 PM  From Authorid: 63026    I hope this doesn't offend anyone here either...But why are we giving Care for Haitan Children for free here in the United States..Yet when a sick child whos a citizen gets sick and doesnt have insurance they get turned away?

I just don't understand how we treat our own citizens, yet when there's a castrapophe all of a sudden Americans open their arms, and act like saints...

  
Date: 1/19/2010 3:01:00 PM  ( From Author ) From Authorid: 26303    I agree, kind of. I think they should be helping the Haitan's. But like you said, they should be helping their own too. It's a sad situation that a little girl dies, just because of a high temp. In this day and age, in so called civilised countries, this just shouldn't happen.  
Date: 1/19/2010 3:13:00 PM  From Authorid: 10245    I think what you're referring to on the headache thing is "pre-existing conditions". They are usually excluded from a private policy (which is anything that's not part of a group, like through an employer.)

For example: I went for a regular annual exam and along with that came a manual breast exam. The doctor declared that I had several cysts. Fast forward a few years- I applied for a private policy and found out that I had been diagnosed with fibro-cystic breast disease from that manual exam. News to me! But had anything needed to be done to treat me under that condition, it would not be covered for the first 2 years of my policy. Thankfully, I have not needed any treatment for this condition.

Our health services are quite often the pits, especially if you don't carry insurance.

Also, in a life threatening situation, an Emergency Room is supposed to be required to stabilize you before kicking you out, whether you're insured or not, can pay the bill or not.
  
Date: 1/19/2010 3:33:00 PM  ( From Author ) From Authorid: 26303    Mercury, you should see the doco. Was amazing! This guy was employed soley to find ways out of paying on the policy. Its the Prudent Person something or other clause. Seriously, you didn't need to have gone to the doc over the problem, but they could not pay on that basis. Some hospitals were taking quite ill patients to outreach centres, via cab and leaving them there. They didn't tell these people what was happening, well apparently they didn't.
Your case was documented as a diagonis. If for instance you had some lumps, but didn't go to the doc over them, then were to be diagnosed a few years later, under that clause, they would not pay on your policy at all. Because, 'any prudent person would've sought medical treatment'. I've put them in quotation marks, but they weren't the words use verbatim.
  
Date: 1/19/2010 3:41:00 PM  From Authorid: 23075    I'm sorry that there was an earthquake in Haiti, I really am, what irks me is that the Governor General for Canada wanted us to have compassion because her family is there...ya right.....she should have thought about that when my hubby had his medical license pulled and I sent her a letter asking for compasion.  
Date: 1/19/2010 3:43:00 PM  From Authorid: 23075    but sorry for getting off track, I think that the American and Canadian govt. should be looking after their own citizens first.  
Date: 1/19/2010 3:50:00 PM  From Authorid: 15228    Michael Moore thinks Cuba's health care is great. Do I really need to say more?? If so, it isn't worth the argument. No one is saying our system is perfect, but it isn't a piece of crap as Michael Moore suggests. How about I believe all the horror stories I hear about Canada's/Great Britians healthcare system?? I don't, it's fine for them, but we aren't as terrible as Moore presents so please don't believe it.  
Date: 1/19/2010 3:55:00 PM  ( From Author ) From Authorid: 26303    Kelly, have you seen the documentary? I'm not silly enough to believe everything I see. But I think it's worth watching. I didn't see him as knocking America, I saw it as questioning the American Govt's as to why the system is the way it is. In fact, there was a French doctor he was interviewing, and he ended it because the doctor gave off the impression he hated Americans. America bashing or something Mike Moore said. He didn't like it. If he hated America so much, he would've continued with that interview. That's just my opinion anyway.  
Date: 1/19/2010 4:09:00 PM  From Authorid: 15228    Okay, so what is the good side of our health care system that he presented?  
Date: 1/19/2010 4:11:00 PM  From Authorid: 15228    I know people of all walks of life, and I don't know anyone...ANYONE  
Date: 1/19/2010 4:13:00 PM  From Authorid: 15228    ...posted to soon..con't__that has been denied care or treatment. is our system perfect?? Compared to.....who? What? We all have our problems, I hate that a someone like Moore makes us seem rotten and bad and every other country sooooo great, when there are horror stories from every country I could hold out as an example and say see??? Look how horrible they are.  
Date: 1/19/2010 4:23:00 PM  From Authorid: 10245    I did see it

I'm not a fan of Michael Moore, but I do think his documentaries give something to think about and someplace to start your own research to find out what the truth really is.

Our health care system needs drastic improvements...
  
Date: 1/19/2010 4:26:00 PM  From Authorid: 15228    So what was the good side of the American health care system shown in the documentary, Mercury? Is there a good side in Moores view?

Do documentaries typically only show one side of a story, or are they suppose to show the whole picture of what ever is being 'documented' whether the producer agrees or not?
  
Date: 1/19/2010 4:30:00 PM  From Authorid: 10245    I don't know... I watched it several years ago. About the only thing I do remember from it is that they make house calls in France.  
Date: 1/19/2010 4:34:00 PM  From Authorid: 15228    House calls in France?? That's amazing.  
Date: 1/19/2010 4:52:00 PM  From Authorid: 10245    oh... they also get a year's paid maternity leave and a mother's helper for whatever needs done around the house while mom is recovering. Sounds nice, but eh.... I bet it costs a lot in taxes. The people they spoke to sounded happy with the system... many of them were former/disgruntled Americans, if I remember right. I think that's all I remember now, though.
  
Date: 1/19/2010 4:53:00 PM  From Authorid: 42945    Our own family doctors here will make house calls when absolutely needed. Of course we have to pay for them but we are reimbursed for a large part of it when we apply for it. I read and see all these horror stories that go on over in the States and yes I did see the Michael Moore documentary and I felt so sorry for people over there who cannot afford insurance.

When an ambulance is called here, you are taken straight to hospital and if you do not have private insurance, all treatment is free to all..if it's a case where the patient can be diagnosed and treated and not classed as an immmediate danger, a letter is sent to the Family doctor for follow up treatment. If the patient is admitted to a ward in the hospital, all tests etc are free if not privately insured. I'm so glad that we do have the system we have here but some people are still not satisfied with it..I think we are so lucky really compared to other countries..

I saw them on tv stitching up those little Haitian children without pain relief or numbing agents and it made me so sad. My heart goes out to those thousands and thousands of people who have no homes, makeshift tents, no sewage systems and nothing to eat. Kids wandering around with no parents, how can you not feel some compassion for these poor souls. You are right Aussie Girl, we are blessed over here...
  
Date: 1/19/2010 4:54:00 PM  ( From Author ) From Authorid: 26303    Granted, I don't recall him showing the 'good' of the system. Like I said, I'm not a fool, and I know that there are two sides to a story. However, the bad side of the system is bad. Is it too hard to imagine that other countries have a better system? I know our system could improve, and France's system looks wonderful. I wouldn't mind our pollies looking into theirs more, and seeing if we could adopt some of their ways.
In Australia, the poor don't pay a thing for their medical services. On the downside of that though, they sometimes have to wait a long time for operations etc. I don't think that is good. I think the private medical (insurance) companies have ensured that the doctors get paid more so therefore they tend to do the private patients first. Now, when I say paid more, that's not to say they aren't paid well in the public system. It means they can have more of the expensive cars, more than one beautiful house etc.
Have people died waiting for care in Australia? Yes! Sadly they have. Are their horror stories from our system? Of course there is. Could we improve and learn from other countries? Too right we could.
That's what I don't understand about any Govt. Why can't they take the good things, the things that obviously work, and work on them. Oh, that works for France, that works for England, America is finding that is working. Okay, lets see if we can string the good together and make a better system for our country. Oh, Mr. Drug company CEO, we don't want your money if it means you want us to turn the other way. Medical insurance man who hands out all the dollars, no thanks. We want our doctors to be doctors, not business men who have to asertain if somebody has insurance or not before they can be treated.
Kelly, I don't know anyone who has died here in Australia through having to wait for treatment. But I do know that there are people who have died. It does happen, sadly.
  
Date: 1/20/2010 2:40:00 AM  From Authorid: 34078    I'm glad you put up your post. It reinforces what I believe. You are right. I know someone here in U.S. that was paying $1,500 a month for his family insurance and now he can't afford it. Who can? I had to cancel mine $200 a month. No system is perfect except the USA system is perfectly worse.  
Date: 1/21/2010 2:55:00 AM  From Authorid: 63400    those doctors should be fired have their license yanked for life..If I was a judge I would show no mercy with a vengence at those doctors.Unforgivable crime to refuse treatment.unforgivable......I think they commited a felony crime prison terms of 20 years...ok I feel better now....interesting post im glad i read it but it made me mad reading this..the United states of America is anything but United.  
Date: 1/21/2010 2:59:00 AM  From Authorid: 63400    I used to get bloody noses when I was a kid.they went away mysteriously...  
Date: 1/21/2010 4:26:00 AM  From Authorid: 64414    A couple of years ago, my son developed rheumatoid arthritis in his knee. We had no insurance coverage. The emergency room xrayed the knee, gave him some pain medicine, and referred us to a specialist. When we got to the specialist, he required $89 to walk in the room. I was able to use the xrays from the emergency room, but he still needed current ones, so that was another $150 due immediately. Two days later, they ordered an MRI of the knee. That was $600 due immediately. He went back to the specialist 7 times over the next three weeks. When we ran out of money...we went to the emergency room again. They only offered more pain medicine and sent us back to another doctor. So yes, it is correct that the emergency rooms must treat us...but by no means will they diagnose. I currently owe more than $7000.00 in bills. One doc charged me $250 to read the MRI. He never even saw William, just looked at the films. Also, we applied for Medicaid for William...my husband makes $22 more than "monthly poverty level", so we dont qualify. Kelly, now you know someone who was denied treatment because they didnt have insurance.  
Date: 1/21/2010 10:14:00 AM  From Authorid: 11240    ReeRun, I do not mean this as any kind of attack, but your premise is faulty.

The emergency room did provide treatment. That it wasn't the treatment you may have gotten with insurance, it was treatment nonetheless.

I am just curious as to what you think health care insurance would have cost you as compared to the out of pocket costs that have been incurred?

God Bless.
  
Date: 1/21/2010 1:40:00 PM  From Authorid: 64414    Well, Deb, I guess having insurance would have given my son immediate treatment. Having to pay a co-pay is easier than paying cash. We would not have had to wait until the next paycheck came in before we could get the xrays, MRI, "draining" of the knee, etc... I do not consider it treatment to give a 11 year old pain medicine for a knee that is the size of his head. He needed the pain meds, yes; but I needed to know why the knee was inflamed. I already knew it was hurting, so they didnt diagnose anything. As I stated...emergency rooms have to treat the immediate issue (pain), but not diagnose the cause of the problem. Were it not for my ex's parents, he would have waited months on the MRI until we could save 600 bucks to pay cash before the procedure. As far as the cost of insurance...that is why we didnt have it, and still dont. Insurance at my hubbys job would take nearly half of his paycheck every week.  
Date: 1/21/2010 1:45:00 PM  From Authorid: 64414    Also, William has asthma and ADD. Each month, he has 3 prescriptions. Advair at 250.00, Adderall at 195.00, and Albuterol Inhaler at 98.00. He has to see the doctor every other month for his prescription refills, that is 68.00 to the doctor. This is every month. Sometimes, Will has to do without his Advair. I dont give him Adderall on the weekends or days he doesnt go to school, so that prescription lasts 45 days. It is very difficult, but we manage. The knee was all "extra", nothing we had been counting on so we couldnt prepare for that as we do his regular monthly expenses.  
Date: 1/21/2010 1:54:00 PM  From Authorid: 11240    So the issue here is too high of costs anyway you try to go about it, pay out of pocket or pay for insurance.

You can't lower the cost of the insurance without lowering the cost of the medical service. You can't lower the cost of the medical insurance and leave any medical professionals self sustaining businesses without reforming the amount of tort liability insurance THEY have to carry. This is not an issue which our government has EVEN considered in these latest bills proposed. This problem is far more bound that you and millions of other people being able to buy insurance (from the government?) at a rate that doesn't adequately pay medical professionals AND that aforementioned insurance -- the numbers don't add up. You can imagine what the logical result of such a system; some people claim rationed care, others "death panels". What do you imagine would go on in a system whereupon the government, ostensibly through tax credits, are going to pay for all of this insurance? Where does that money come from?

Anyway, all I am trying to say is these two things go with one another; if you don't control medical costs, legislating control of insurance costs is not going to fix the WHOLE problem.

God Bless.
  
Date: 1/21/2010 2:59:00 PM  From Authorid: 64414    Absolutely Deb, I agree 100%. I also agree with Kelly, in that our system in the US is far from perfect but we do get some type of treatment. I dont know how to fix the US medical issues, but I do know that something must be done. Doctors charges are outrageous...the doctors charge so much because of their overhead (malpractice insurance, equipment, etc.) Prescription costs are ridiculous. Over the counter meds have no active ingredients (thanks to the meth-heads of the world), so you pretty much need a prescription to do any good. Equipment has gotten so expensive that they charge for the use of the machine, the use of the attendant administering the test, and the doctor to read the results. Labwork generally has two bills, the nurse/doctor ordering the labwork and the actual lab doing the testing. One to draw the blood, one to analyze it. On the other hand, at least we have doctors in abundance and enough medicine to go around. There are worse circumstances in so many places. **shakes head** It seems too far gone to fix it.  
Date: 1/21/2010 4:59:00 PM  From Authorid: 10245    Health insurance should be a not for profit industry... not the complete medical field, just the insurance end of it. That would be a start.  
Date: 1/21/2010 11:40:00 PM  ( From Author ) From Authorid: 26303    Mercury, I agree. If the insurance companies didn't have to make such huge profits (are they owened by shareholders), it would reduce the cost. It's profit/greed that is the driving force behind it all. Peoples health shouldn't be a business, nor education, nor emergency services. At least Emergency services aren't required to turn a profit....yet!  

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