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Words You Won't Hear in Canadian Health Care

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Words you'll never hear in the Canadian health care system

1. "Out of network"

There are no "networks" in Canada. Doctors and hospitals are not affiliated with private insurance companies. Doctors are private business entities and hospitals are usually run by non-profit boards or regional health associations.

2. "COBRA"

Health coverage is NOT tied to your place of employment in any way. So any COBRA-like scheme is unnecessary.

3. "Co-Pay"

The government pays 100% of basic care, 100% of the time. Drugs are not covered, but are subsidized by government to a point. And because of mass buys, discounts are obtained from the drug companies. That's why our prices are so much lower. Most employers offer a drug plan that pays for 100% of drug cost coverage.

4. "monthly premium\deductible"

Wazzat? We don't consider our health to be the same as our possessions.

5. "waiting for approval"

Doctors are the sole decision makers for health care. NOBODY influences or delays their decisions, warns them of costs or prevents them from giving treatment for any reason.

6. "Government interference"

The provincial government in each province PAYS for whatever services doctors provide. No questions asked. Unless the procedure is experimental, not medically necessary or unwarranted, doctors cannot deny basic care - by law.

7. "Health insurance lobby"

There are NO insurance companies for basic care, only companies for providing insurance for travelers. No money to be made here.

8. "bureaucracy"

When we visit a hospital or doctor's office, we walk in, get treated, walk out. No "applications", "registrations" or any other kind of paperwork is required. We NEVER have to talk to a single "government official" or wait for a "judgment".

9. "PRE-EXISTING CONDITION"

This is such a foreign concept to us. A Canadian's usual reaction to the explanation of this term is astonishment.

10. "rescission"

Your health insurance won't be canceled when you need it most, i.e., when you get sick. That's the whole point of having insurance, isn't it?

11. "individual rates"

There are no individual rates based on your age or medical status. The premium for everyone in a provincial plan is the same.

12. "uninsurable"

No one is uninsured or uninsurable. Everyone is covered.

13. "profit"

There's no private insurance companies offering coverage for primary medical care, so there's no question of profit, no corporate bottom lines to incentivize screwing people out of the medical care they need.

http://www.dailykos.com/storyonly/2009/7/2...ian-Health-Care


Man is made by his belief. As he believes, so he is.

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Filed: Citizen (apr) Country: Canada
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Big Sigh - that is definitely something I miss about Canada - health care! The US system sucks - long waits, expensive copays, lots of errors, lots of phone calls needed to insurance companies and doctors sorting out their errors, insurance companies trying to dictate what type of medicine I am allowed to have, deferring or turning down treatment because the deductibles haven't been met and it's expensive, trying to find a doctor who is 'in network', in Canada emergencies are treated like emergencies and I don't have to prove I can pay for the emergency care first, then wait and wait and wait . . . I can't believe that so many Americans think the system here is good! They really have no idea.

Edited by Kathryn41

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I found out yesterday that someone close to me has an abnormal heart valve. He's currently unemployed and has no insurance. His previous job, his employer offered no insurance. I'm just hoping that he will be able to apply for California's Medicaid. He was admitted to the hospital a couple of weeks ago, thinking it was a panic attack. He's young and otherwise in good health so he was not expecting it to be his heart. (F) My God.

Edited by Col. 'Bat' Guano

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From last Sunday's St. Pete Times:

Ask Emily Whitehead, a Canadian, what she thinks about her country's health care system and she'll tell you a little story.

Years ago, she and a friend had babies at the same time. Afterward, they compared notes.

The friend, who lives in Michigan, was in the hospital for two or three days. Her bill: more than $3,000.

Whitehead, a diabetic, was in the hospital for two months. So was her premature infant, who at one point had to be transported in a specially equipped ambulance with two nurses and two paramedics.

Total bill for the Whiteheads: $16.95, for TV and a long-distance call.

...

No Canadian ever goes bankrupt because of medical bills.

Across the border, where Americans are declaring bankruptcy in near-record numbers, 62 percent of filings are at least partly because of health care costs.

...

And while the United States spends more per person on health care than any other country, Americans aren't even the world's healthiest. Canadians, Britons and residents of 27 other nations all live longer.

...

But Canadians say that everyone who needs care gets it. And they say their single-payer system — doctors bill one payer, the government — is inherently more efficient than the U.S. system, in which payment might come from Medicare, Medicaid or countless private insurance plans, none of which cover exactly the same services or pay exactly the same amounts.

Dr. Diane Normandin learned that the hard way.

A graduate of Montreal's McGill University, Normandin moved to Clearwater in 1994 because she thought U.S. doctors had more freedom. But she spent an inordinate amount of time trying to tell whether a patient's insurance covered visits to a particular lab or specialist.

"You had maybe five minutes with the patient but 20 minutes of paperwork and the ridiculous sorting out of where the patient could go,'' says Normandin, who needed six employees to handle the workload. "It was crazy.''

In 2003 she went back to Canada and opened a family practice near Montreal. Now she has one employee.

...

"What's right about our system is that we have a single-payer system that's dramatically reduced costs and provided universal coverage,'' says Dr. Michael Rachlis, one of Canada's top experts on health care policy. "Americans have ideological blinders about 4,000 miles tall and cannot see that something with the word 'government' in it could be more efficient than something without government in it.''

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Filed: Timeline
"Americans have ideological blinders about 4,000 miles tall and cannot see that something with the word 'government' in it could be more efficient than something without government in it.''

Not Americans, just dumb as doornails Republicans.


Man is made by his belief. As he believes, so he is.

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Big Sigh - that is definitely something I miss about Canada - health care! The US system sucks - long waits, expensive copays, lots of errors, lots of phone calls needed to insurance companies and doctors sorting out their errors, insurance companies trying to dictate what type of medicine I am allowed to have, deferring or turning down treatment because the deductibles haven't been met and it's expensive, trying to find a doctor who is 'in network', in Canada emergencies are treated like emergencies and I don't have to prove I can pay for the emergency care first, then wait and wait and wait . . . I can't believe that so many Americans think the system here is good! They really have no idea.

I actually am one of the people who think the system is pretty darn good!

True I have never had cancer or some extensive med. condition but, I walk in see the doctor and leave (after paying 10 bucks).

It's always been this way. I nor my kids have ever had a hassle bigger than calling to see why a bill was not sent to the insurance company.

I don't understand this big hassle you are experiencing and I have had a number of dif plans over the years.

I know getting Healthcare "IS" a problem for a minority of middle class folks (the poor have it as do the rich)

we need to work on that..not set this wrecking ball in place

Tell you what seems alarming as hell to me: the idea that soon everyone will BE REQUIRED to have coverage.

IF you don't or can't (or choose not to) pay your part, the force of the Government will extract it from you one way or another...... think the IRS is bad now? wait till you don't get that sweet hand-out at the end of the year, so many have become used to. (Earned income credit IS a handout)

The other part that is the most worrisome to me is this "we are all in it together" mood that will take over will burst open the door to even more "Nanny state" regulations. Weight reductions, smoking, risky hobbies, excessive alcohol consumption... the list goes on.

And logically it's true why should the overweight person pay the same amount as the fit person?

THIS IS THE DANGER OF LETTING GOVERNMENT HAVE A MONOPOLY which is exactly where it will head.

Their is a reason they will not try a pilot program in say one city or area, to see how it works.

There is a truism The more the Government breaks something, the more they need to fix it.


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"Those people who will not be governed by God


will be ruled by tyrants."



William Penn

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I know getting Healthcare "IS" a problem for a minority of middle class folks (the poor have it as do the rich)

we need to work on that..not set this wrecking ball in place

The astronomical cost of health care in the US - with little to show for it - is nothing that is of concern to you? The ever larger bite that health care expenses take out of everyone's paycheck - no problem? The ever increasing part of our GDP that is absorbed by health care isn't something that needs a course correcton? The growing number of people un- or under-insured, the ever larger number of people filing for bancruptcy due to medical bills is just fine? The dwindling ability of small businesses to attract and /or retain top talent shouldn't worry anyone either?

Dude, the health care system here causes so much fcuking damage to our people and our economy and you want to sit there pretending that this is the best way to go? Get real, man!

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The dwindling ability of small businesses to attract and /or retain top talent shouldn't worry anyone either?

This is true. Today, the best medical insurance is obtained from large organizations (corporate and government). Unless you're young and single and don't care about medical insurance, why work for a small organization if you have a choice?


Man is made by his belief. As he believes, so he is.

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does anyone who what time & channel Obama is going to be on tonight to address questions about the healthcare plan?

Last townhall of his I watched on the subject was completely underwhelming. Talking points and cliches, no details. He seems to be leaving the details to those clowns in Congress... :dead:


Man is made by his belief. As he believes, so he is.

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Filed: Citizen (apr) Country: Canada
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2. "COBRA"

Health coverage is NOT tied to your place of employment in any way. So any COBRA-like scheme is unnecessary.

Not true.

We DO certainly have health insurance companies in Canada. Before I left, I was insured by Sunlife through my empolyer. While we don't have a Cobra in the same terms that it applies in the US, there are absolutely "co-pays" for medical costs and/or prescriptions depending on what kind of supplemental insurance you have if you have any at all.

I want to get it out of people's heads that the government pays for every single god damn dime.

Is it a great system? Yes! But it's not free. Not to the taxpayer or for the employee.


"...My hair's mostly wind,

My eyes filled with grit

My skin's white then brown

My lips chapped and split

I've lain on the prairie and heard grasses sigh

I've stared at the vast open bowl of the sky

I've seen all the castles and faces in clouds

My home is the prairie and for that I am proud…

If You're not from the Prairie, you can't know my soul

You don't know our blizzards; you've not fought our cold

You can't know my mind, nor ever my heart

Unless deep within you there's somehow a part…

A part of these things that I've said that I know,

The wind, sky and earth, the storms and the snow.

Best say that you have - and then we'll be one,

For we will have shared that same blazing sun." - David Bouchard

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We pay monthly premiums in BC, so that ones wrong. :P

You're from BC. Cool, me too. I don't pay for my medical, it's paid for me. I don't make enough money to pay.... :jest:

That's something else about the system. If your annual income is less than so much, you'll get 100% premium, and you're covered.

I like Kathryn, will miss this.

In 2004, my late husband was in an accident. He was taken to the hospital in an ambulance, stayed there over night, had a cat scan to show he had a broken neck, airlifted to Victoria, stayed in the hospital for two weeks, had surgery, and was driven back home, ( 3 hour drive). Our house needed to be outfitted with medical equipment to make his life easier as he healed.

We didn't have to pay for any of the above.


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