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Regarding health insurance what exactly does the single payer option entail?

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  • QWERTY
    Lv 4
    6 years ago
    Favorite Answer

    Governmentally run and strictly controlled healthcare system. Britain has this through National Health, for example, where one agency "pays" itself when it has determined that someone needs medical care. The result is often long waiting times, disallowances of treatment for the old and severely injured and anyone else in nonviable categories as determined by centralized guidelines. The National Health often suggests old people who are frail and really ill take narcotizing painkillers rather than be treated, for example. Taxes are high since everyone pays for everybody's coverage+ bureaucracy. Good for routine things for the young; many persons covered choose to pay out of their own pockets for treatment of painful/deadly things not deemed suitable for early/full treatment, many Canadians come to USA for major procedures.

    Source(s): Worked on insurance including this idea on Capitol Hill, DC as consultant to Congress.
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  • 6 years ago

    Exactly - is too huge a topic. In countries that use it, like Canada and the UK, the government makes a list of the drugs you can have and the treatments they provide. Then, you get in line and wait for the services. In Canada, the wait for a hearing aid is 18 months, and the average wait to see a specialist, is 10 weeks. Need heart surgery? Gotta get in line for that, too - if you live through your wait in line, you'll see that surgery happen at no cost to you.

    The biggest down side, is without private market, there's no incentive for development or research. YOU don't get to demand how you get treated - you get what the government will pay for. You won't get the state of the art, latest and greatest treatment. Want that MRI? Well, a cat scan is good enough, that's what you'll get.

    Yes, there will be "death panels" by a different name, and if you're overweight you won't get that hip/knee replacement, and once you get to a certain age, you won't get cancer treatment, either.

    Yippee. Government run health care.

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  • Anonymous
    6 years ago

    Single payer describes a more universal, usually public/government model. In Canada, for example, everyone is covered by virtue of citizenship and pays either through mandatory premiums or just through the tax base (in Ontario, I don't pay premiums, but I do pay income tax and a surtax based on my income...) There's one government run insurance plan, that's it.

    It's really a far easier system than the American model of multiple plans at various levels of suck (even expensive plans in America involve surcharges, copays, deductibles, etc. that we find very confusing and expensive as hell.)

    I was in the hospital for four days four years ago, on something that would have cost about $40K in the USA, minimum.

    It cost me $15 for one prescription on release. I paid more in parking.

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