I am an American citizen living in Germany and insured through the country's universal healthcare system. Although private insurance is also available here, the vast majority of people have the standard public insurance, and I can see why. It's by far, hands down the BEST health insurance I've ever had. It's simple, affordable, there are virtually no bureaucratic hurdles, and, best of all, any treatment you might need is paid for in full so NO risk of bankruptcy. The premiums are taken from your paycheck every month, exactly like Social Security, are income-based so everyone can afford it, and there are no surprise costs. Ever. The German public healthcare system covers a standard range of check-ups and procedures, which are automatically covered 100%. This range includes preventive care and standard treatment for ALL acute and chronic illnesses and injuries, including pre-existing conditions and basic dental. If there is going to be a charge for any additional treatment not covered by the public insurance (for example, higher quality materials for dental fillings), the doctor has to disclose the exact amount to the patient. The patient then has to sign a statement saying they consent to pay a pre-disclosed amount of money, BEFORE the care is provided. Patients are never required to pay for something they didn't consent to. Even if you do have to pay for something out of pocket the cost is very affordable (especially compared to the outrageous prices Americans are forced to pay). For example, the last time I had bloodwork done I requested a vitamin B12 test, which was not covered by the public insurance, and I only paid 14 euros (about $17) for it. I can hardly express how much safer it makes me feel to know that the cost of my healthcare is completely taken care of. I don't have to worry about it, ever. It's such a relief to know that I won't be surprised by costs that the insurance company just randomly decided not to pay for, which has happened to me several times with private insurance in America and has cost me hundreds and hundreds of dollars. It's comforting to know that here in Germany I will never be faced with the possibility of bankruptcy simply due to an illness or injury. That is a comfort I will never have in America unless something major changes. And in addition to the costs for treatment being completely taken care of, the premiums are affordable because they are solely determined by income. This is not only great because everyone contributes what their income allows, but it also prevents discrimination based on age, sex or health status. Women, the elderly and those with pre-existing conditions are not charged more than anyone else. This is the way a humane, civilized healthcare system should be. I think America should adopt many of the conveniences and much of the humanity of the German universal healthcare system. When I go to the doctor here, I show my insurance card when I arrive, they scan it (it has an NFC chip with my information on it), and when my appointment is done I just leave. No paperwork, no copays, no fussing around with bureaucracy. I love that about the German system, and that's how the American system should be too. It will be crucial to look to other countries for inspiration and models that America can base a universal healthcare system on. Look particularly to northern European countries like Finland and Denmark, which have even more streamlined public systems than Germany. Looking to those countries can give a good idea in terms of content of a universal health plan. I also think looking to what Americans would consider "third world" countries with universal public healthcare systems is also useful, since it shows that a system that includes everyone doesn't have to cost a huge amount of money. It's time that America joined the rest of the developed world in providing healthcare to all citizens and residents as a right, and not as a privilege to be bought and sold by the wealthy. A single-payer, Medicare-for-all universal healthcare system is the best choice. If that existed I might even consider moving back to the States, but as it is I'm going to stay in Germany where my health is protected and where my entire financial future can't be compromised by one accident or illness.
Germany: the best health coverage I've ever had #DAresists #Medicare4all
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