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Originally Posted by Scott Hutchinson
What are the primary differences between Canadian and American Heatlhcare?
What are the benefits and the drawbacks of The Canadian Healtcare system ,compared to the American Healthcare system ?
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live in Canada and have public health care. I've never been seriously ill.
I went to the doctor's when I was in Florida last year. I had to call my insurance company for permission to go to the doctor and then get their permission to go to a certain doctor. When I finished my visit to the doctor I had to wait for paperwork and to see if I had to pay anything.
When I got home I got a call from the insurance provider asking me what the doctor's diagnosis was, etc. I didn't like the fact I had to tell the insurance company what I considered private information.
In Canada, when I get sick I just go to a doctor and present my card. I can go wherever I want within my province. If I'm out of province I have to go through my Canadian Insurance provider which means they pay and get reimbursed by my province instead of me paying and the province reimbursing me. After the visit I just go home. No paperwork.
The doctor does not give my personal medical history to anyone including the province. The doctor gets paid by the province based on some kind of funding formula -- number of patients and types of care. There are audits done once in a while by the province. I may get a letter in the mail which asks me to verify I saw a doctor on this date.
I don't have trouble finding a doctor to see in my area. Some more rural places don't have enough doctors. I don't go to the emerg unless it is an emergency. I usually just make an appointment with my doctor or the duty doctor and wait 1-2 days max. If I really need to see a doctor they have drop in clinics that I may be able to see someone. The emerg is the LAST place I go.
There are some problems with "wait-lists" for more serious operations and illnesses. The government has acknowleged that and is trying to reduce the waiting for the most serious illnesses.
There was a case in Quebec where a man went to the states to get surgery because he had to wait too long in Canada. He sued for reimbursement and won.
Many people do carry thrid-party insurance for major illness and drugs. If you don't you'll probably go into debt. I pay 47.00 /mnth for my coverage that includes worldwide medical and perscriptions.
Our system isn't perfect but I'm comfortable with it.