Slightly diverging here, but as someone who grew up in Australia knowing nothing other than our universal Medicare system, I find the health care issue in the US to be a fascinating cultural case study.
I was genuinely gobsmacked to see people protesting Obamacare as an assault on their freedom and calling it a communist conspiracy. Why do people readily accept that the government can pay for things like the military but struggle so much with the idea of establishing a health care safety net worthy of a first world western nation, especially in a country that was built on supposed Christian values and the stated right of everyone to life and happiness amongst other things?
I am going to name a few medical situations my family has experienced in the last few years, and I'd be really interested to hear an estimate on what sort of money you'd be paying in America if you didn't have insurance or Obamacare. I'm not bragging, I'm just genuinely interested in the cost structure... you read nightmare hospital bills in the media sometimes but I'm not sure how representative they are of reality.
1. Wife sliced her finger open with a stick mixer, went to the ER, within 30 minutes she saw a nurse who cleaned the wound and glued/bandaged it it, and then had a 5 minute consultation with a doctor who gave her the all-clear and some care instructions - total cost $12 for parking.
2. Two weeks ago my toddler tripped and hit his head hard on the corner of an exercise bike. Took him to the children's hospital where they cleaned and dressed the open cut, administered a concussion protocol and gave him an X-Ray to confirm there was no cheekbone fracture. Total cost - 45 dollars for parking and a toy from the gift shop.
3. Wife gave birth 2 years ago, private birthing suite, epidural. Had a major tear that required a trauma specialist to stitch her back up, spent 6 nights in hospital in a two person maternity ward, ongoing care from midwives and doctors, antibiotics in a drip, all meals supplied. Baby got a free hearing test. Total cost - about 150 dollars in parking from my constant visits and snacks from the cafeteria.
What sort of financial impost would an uninsured person be looking at in America for these sorts of rather pedestrian medical situations?
What are the payment terms like?
What happens if you get hit by a car and wake up in hospital with a 50,000 dollar bill and have no capacity to pay?