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It's worth pointing out that, while health care in Germany is better than most of Europe, it is well below the standards Americans are accustomed to. Americans have a much higher survival rate for cancer and other serious diseases due to advanced diagnostic procedures and higher pay for physicians. Americans are comfortable asking doctors for more tests and services when the doctor doesn't think its necessary because the patient and their employer pay the doctor's salary. This leads to waste and higher costs but also allows for earlier detection of serious diseases and for better treatment. If you're young, healthy, and your family doesn't have a history of cancer or heart disease, Germany's health care system might be a good deal. It's one of the best in Europe and, like the United States, people travel from all over the world to receive treatment there. But you will want to move back to the United States when you get older. Per capita Germany performs about half as many MRIs, CT scans, c-sections, coronary bypasses, or knee replacements as the U.S. And, if you're over 65, you have very little value to the public system. Doctors will merely manage your pain rather than work to extend your life regardless of your age like they do in the U.S. Germany has a good health system and Germans enjoy a life expectancy comparable to Americans but it's a system designed to please the young, healthy taxpayer. For me, a few extra vacation days and some beer in my youth aren't worth getting surprised by late-stage cancer or suffering with a bad knee when I get old. Side note: More Americans need to know about Long-term Care Insurance. It's super cheap if you buy it when you're younger (50's) and it'll save your family a fortune when you get old. |
You actually have to afford the operation for cancer for them to give it to you - up until it becomes and emergency, anyway (this actually happened to someone with cervical cancer I knew). If you are lucky you can beg around and get it. It doesn't always matter that you have insurance, as a lot of folks can't afford it.
My father had trouble affording insulin and at one point stupidly cut back, which was after he gave up anti-depressants and my mother wasn't seeing the doctor for other things.
If you don't have money, the american system is cruel. I'd much rather deal with the waiting times than to suffer due to lack of money. At least there is hope, and I no longer fear getting sick and winding up homeless because of it.