Private insurance in socialist countries?

I don't know what constitutes a socialist healthcare country but in The Netherlands we can choose the insurance company we want to use, but we have to choose one. There is no freedom to not being insured, although there are still some who are not.
The minimum of what is to be insured is determined by the government and is also paid for the most part by it.

The prices differ per insurance company and there is also a yearly 'own risk' component, which you can determine yourself. The lower you set that the higher the monthly fee of the insurance. You should be able to get insured below 100 Euro a month, with a yearly own risk component of 150 Euros that will cover most of the healthcare cost for you.

You can add extra packages to your insurance making it more expensive. Dental care for those older than 18 for example is not part of the basic insurance package.
 
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I can speak for Sweden, it is very affordable, they have to compete with free after all. The main difference with having a private insurance is that you can get access to a doctor and treatment much faster ( except for emergency, in this case it is always fast for everyone so it is not included in the insurance ).

You can also get access to professionals faster, for example if you are in public healthcare first you have to go to a general doctor, then they have to decide you are sick and send you to an expert, this process can be fairly long and sometimes they general doctor is not good enough.

I don't know what constitutes a socialist healthcare country but in The Netherlands we can choose the insurance company we want to use, but we have to choose one. There is no freedom to not being insured, although there are still some who are not.

I am not sure this would qualify as a socialist healthcare, what happens if you don't have any insurance and get seriously sick ?
 
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I am not sure this would qualify as a socialist healthcare, what happens if you don't have any insurance and get seriously sick ?
To put it more precise we have two types of insurances. One for long-term care (Disability care, long-term stay in a rehabilitation center etc.) which is free and is available to everybody who lives and/or works in The Netherlands.
The second insurance is for medical required care, like a visit to the GP or the hospital. You have to insure yourself separately for this, which is what my information was about.

If you do not have an insurance you get a fine of some 300 Euros and a summation to get insured. If after 3 months you still do not have an insurance you get another fine of some 300 Euros and a summation to get yourself insured. If 3 months after that you still do not have an insurance one is forced upon you and the cost for the insurance is deducted from your income.
People who cannot afford the insurance are entitled to a tax reduction to reduce the cost of that insurance. I don't know how much that reduction can be though.
If you need immediate medical care and do not have an insurance you get the required medical care, but you could get fined to pay for the medical care and get an insurance forced upon you, which could get expensive.
About 1% of our population appears to be not insured.

Children younger than 18 get their insurance for free, so for them it is socialist healthcare ;)
 
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Insurance cover not only the expenses for the (free) treatment, but the circumstances related to it, other kinds of treatment not offered by the free healthcare (therapy, rehabilitation) and losses for not being able to do your job.
 
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Two of my best friends live in London. They've told me repeatedly that there is no way they would forgo private insurance. The cost seemed to be about half what my employer and I pay here in the US.

On the note of socialized medicine, I just had my biannual sleep test done last night. I suffer from Sleep Apnea and use a CPAP machine at night. Every two years they bring me back in to test and make sure my prescription (the amount of air pressure needed) is correct. In the test you sleep while they monitor you for REM cycle sleep and adjust the CPAP settings over night. This was my third and it has changed each time (I went from 4 to 9 and now back to 6).

The tech was telling me about someone he met at a conference last year that was from Canada. The guy asked him about why he still might not be sleeping well, despite having been prescribed a CPAP. After running through the normal things (does the mask seal right, have you gained or lost weight, etc.), he asked him 'When was the last time you had a sleep test done'? He said never!

Apparently in Canada, their national insurance only covers the sleep test in extreme cases of sleep apnea. Instead they said you home with some equipment to record stuff yourself and take back to your doctor and then the doctor makes a prescription based on the readings. Insane. Yet another reason I am glad we don't have socialized medicine in the US.
 
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Yet another reason I am glad we don't have socialized medicine in the US.

Well, what is the problem you can get a private insurance much cheaper for things not covered by public health care in most countries that has social health care?

The only reason you can be glad is that you don't need to pay for people who for some reason can't afford it themselves. Anyone could get in that situation if unlucky enough... it doesn't have to be that they were lazy or didn't work hard enough or such a thing.
 
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What's most important to me is that in our health care system everyone is covered. What treatment you get is independent of your economy and social status. That's what counts IMO.

In general differences in diagnosis and treatment between countries, several factors are important:

- lack of consensus about what's necessary. One reason behind this is that many procedures have only marginal effects. This apply to diagnostic procedures, quite a number of tests give little additional information. And there isn't always that much difference between treatments either. Example: treating the elderly for hypertension with drugs don't affect prognosis very much. It's not obvious what should be done. Therefore recommended treatment have changed over time, and will also vary between countries.

- economy for sure, which strikes in both directions, it may lead to too few patients treated or too many.

- lobbying. Some diseases get more attention than others, and have pressure groups more outspoken than others. This does affect priorities and will again differ between countries.

- other things, making my list complete.

And, while I can't say anything specific about sleep apnea, in general tests performed at home isn't necessarily worse compared to in hospital tests, quite the opposite. Tests done at home are done the natural environment of the patient and will quite often give a more representative picture of the patient's problem.

One very simple example, diagnosis of hypertension: Blood pressure measured at the doctor's office, is quite often higher than it really is. For several reasons. 24 hour readings, where the pressure is measured automatically during a 24 hour period where patients do whatever he/she normally does, is much more reliable for moderate levels of hypertension.
 
EDIT: It's rather ridiculous to refer to first world countries as "socialist", even if we know what you mean:p

http://www.independent.co.uk/life-s...-nhs-begins-rationing-operations-2327268.html

I read this and it occurred to me to ask those who live in socialist healthcare countries do you have access to private medical insurance? Is it affordable?

I assume you mean insurance that pays for health care rather than insurance that compensate for lost income. I'm not sure about the cost of getting such insurance but googling gave me price quotas around 250 euros a year, which would be very affordable. I dont know how large the market is though. Many (most?) employers pays for some sort of health insurance out of self interest, and that is probably the only private health insurance that most Swedes get in contact with. The main problem with the public system is waiting lines, and employers obviously have an interest in getting their employees back on their feet ASAP.
 
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Well, what is the problem you can get a private insurance much cheaper for things not covered by public health care in most countries that has social health care?

If I had the the choice of opting out (both paying for and receiving) from the national plan, that would be one thing. In most places though, you are paying for it regardless and then you get the cost of private insurance on top of that if you want better care.

I'm really not interested in paying even more than I (we with my employer) pay now just to get the same level, at best, of service.


The only reason you can be glad is that you don't need to pay for people who for some reason can't afford it themselves. Anyone could get in that situation if unlucky enough… it doesn't have to be that they were lazy or didn't work hard enough or such a thing.

It's not about lazy or work hard enough (although screw those people that are), its far more about taking care of yourself. People are absolutely atrocious in this country about engaging in preventive care. We have a massive problem with obesity. Handle those two problems and healthcare costs become a lot more affordable for everyone.
 
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I have three healthcare services available to me. The one provided by government, students healthcare and the private provided by my work contract. The student healthcare covers dental too.

I have never even thought of taking private health insurance and noone has ever tried to sell it to me.

Once I became old and retire things might become problematic but I am saving money for that purpose.
 
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