Does Employment-Based Insurance Make US Medical Care Unfair and Inefficient?

Re:Does Employment-Based Insurance Make US Medical Care Unfa... by arcticbull on Tuesday May 14, 2019 @01:26PM (#19911538)

And if they recover? You know in every other country in the OECD if you get sick, you go to the hospital, then they cure you and you walk out. That’s it! No liens, no debt, no bankruptcy. If you give it a chance you might just like it and if not, you can always go back.

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Re:Does Employment-Based Insurance Make US Medical Care Unfa... by usaar333 on Tuesday May 14, 2019 @02:15PM (#19912207)

If the person returns home, they release the lien: http://www.nls.org/Disability/MedicaidMedicare/MedicaidLegal...

Do all other OECD countries cover nursing homes for free until death? That's the case when liens apply - not hospitalization.

https://www.aarp.org/health/medicare-insurance/info-1996/are...

I don't think it is entirely unreasonable that medicaid - a medical program for poor people - has the right to put a lien on someone's estate. Normally people on medicaid don't even have estates (or else they wouldn't meet the asset test), but for some reason we don't count house equity for the asset qualification criteria. Very unfair for renters - this at least somewhat equalizes things.

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Re:Does Employment-Based Insurance Make US Medical Care Unfa... by arcticbull on Tuesday May 14, 2019 @03:17PM (#19912897)

> Do all other OECD countries cover nursing homes for free until death? That's the case when liens apply - not hospitalization.

The NHS in the UK does, yeah [1]. In Ontario, end-of-life care is also provided and long-term care is provided for ~$1800CAD per month if you can afford it, and it may be free if not via a combination of CPP, social security and income-based subsidies. [2] In 2002, France introduced universal, income-adjusted, public long-term care coverage for adults 60 and older [3]. The Netherlands does too [4]. The rest of the OECD I'm not sure. Most developed systems do offer something.

The health system really is better pretty much everywhere else in the OECD. And remember! Every one of the systems I mentioned spends less per capita than the US. In some cases like Canada half.

> I don't think it is entirely unreasonable that medicaid - a medical program for poor people - has the right to put a lien on someone's estate. Normally people on medicaid don't even have estates (or else they wouldn't meet the asset test), but for some reason we don't count house equity for the asset qualification criteria. Very unfair for renters - this at least somewhat equalizes things.

While I don't believe in inter-generational wealth I'd argue this furthers the cycle of debt and poverty by taking an estate away from those who could most benefit - the poorest.

[1] https://www.nhs.uk/conditions/end-of-life-care/hospice-care/

[2] https://www.ontario.ca/page/get-help-paying-long-term-care

[3] https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4462881/

[4] https://www.researchgate.net/publication/304653227_Long-Term...

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