|Quoting Ken777 (Reply 44):|
Before you start crying for the poor insurance companies I'll note that in Australia they were so successful that the Government decided to join the party with Medicare Private. BTW, you pay your Medicare taxes even if you also buy private.
The Medicare levy is 1.5% of your taxable income. Everyone who pays tax here pays this. However, if your income is over $84K for a single person, or $168K for a family, and if you haven't got private hospital cover, you then have to pay an additional 1% as a 'surcharge'. For those with cover, the you get a rebate from the govenment towards your insurance, depending on your income.
|Quoting bhill (Reply 45):|
I don't know what the situation is in the US, but if you have private cover here, generally the only delay with getting surgery would be the availability of your surgeon or equipment availibility as per Ken's post. The insurers here do not have a big say in what treatment you are given, unlike the US. My dad suffered a heart attack a few years back, although we didn't know it at the time. We took him up to the closest hospital with an ER, a private hospital 2 minutes from home that also has a cardiac unit. This was at 6AM. He was seen straight away by a cardiologist who decided on putting in a stent. The only delay was waiting for the rest of the theatre staff to arrive for work, by 8AM he had the stent put in & was an ICU ward. He was in for 5 days, the only cost out of his pocket was $350 for using the private ER (the fee wasn't covered by the insurer). The only time that his insurer (which was Medibank) was contacted was when he first went in to the ER, to confirm what level of coverage he held.