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Molly Holzschlag has died

tucsonsentinel.com

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Re: Molly Holzschlag has died

#51
post #16

Earlier quoted context omitted.

> She's been very sick for a long time and publicly struggling with enormous medical expenses (there have been various crowdfunding efforts over the years and she had to sell her `molly.com` domain to pay for treatment). My wife and I were both born in the U.S. and have lived here most of our lives; we love this place. The above is why we have zero intention to retire here.

I understand you, but health care is expensive everywhere. The difference between the US and many other countries is in the distribution of this cost. So, for example, if a young person from the US or elsewhere comes to Germany to study they will get health care basically for free. I think (and I might be wrong) if you move to Germany as retiree the public health care system would not be open to you. You could choose…

That's absolutely false. For example, I buy a brand medication in Europe without insurance for price many times lower than the generic drug in the State's copay! There numerous examples, but most recent example is my wife's Levothyroxine. I buy a German-made medication for $1 in Bulgaria. In the States, a generic version made by noname Indian company has a $10 copay. Same with the Metformin I buy. The original brand medication (Glucophage) I get at around $2/month supply. And this is just meds.

The most advanced MRI in Bulgaria costs without insurance cost a fraction of the copay in the States.

Same for labs. I recently got a comprehensive labs including advanced lipid profile (with lipoprotein(A) and ApoB, cholesterol fractions, etc.) for less than $20 out of pocket with no insurance. Same with my wife's thyroid test - full picture, not just TSH for less than $15. All self-ordered by the way! No need for intermediary companies to authorize it - you just go directly to a lab, which keeps the costs low as there's fierce competition for your business unlike in America where Labcorp and Quest keep the prices ultrahigh!

An quantified American (by Abbott) COVID-19 IgM + IgG antibody test in Bulgaria was less than $20 - here a yes/no test starts at $75.

Again, I'm talking about paying pure cost plus hefty private companies' margins here - no subsidy, no insurance, all up-to-date technology and materials.

The margins in America are unimaginable for any humane organization anywhere in the world. Healthcare should never be a business!

Re: Molly Holzschlag has died

#52
post #31
post #23

Earlier quoted context omitted.

I always scoff at all of the endless "How will we pay for it???" crap. We'll pay for it by cutting out massive inefficiencies like the insurance system (which is basically a giant RICO scam), which would introduce an incredible burst of innovation and efficiency, as Americans got unshackled from jobs they were only in for insurance benefits & were able to take more creative risks and move into jobs more suited for th…

yeah, I find it odd, just add up the revenue of the health insurance industry, that's how much you americans are paying, then see how much profit and overheads they have, that's how much health care money is directly not going to actual health outcomes, and then work out if you can do a better system. Should be a case that overall, everyone pays less and you get better outcomes. But, I can't see it ever happening for…

We were just one Senate vote away (Joe Lieberman) from getting a public option during the Obama administration. The law essentially needed a 60% supermajority to pass and it had 59% support of our legislature. Quite tragic - the next generation may get to try again.

Re: Molly Holzschlag has died

#53
post #49

Earlier quoted context omitted.

I am indeed German and to the best of my knowledge our health care system is not open to all legal residents. I worded it carefully above, because it is complicated and there might be loopholes, but in general a person older than 55 that has never been in the German health system will not get in.

What if they are EU citizens?

Doesn't matter. Even if you are a German citizen and by 55 you've never been in the health system you're out of luck.

Re: Molly Holzschlag has died

#54
post #51

Earlier quoted context omitted.

I understand you, but health care is expensive everywhere. The difference between the US and many other countries is in the distribution of this cost. So, for example, if a young person from the US or elsewhere comes to Germany to study they will get health care basically for free. I think (and I might be wrong) if you move to Germany as retiree the public health care system would not be open to you. You could choose…

That's absolutely false. For example, I buy a brand medication in Europe without insurance for price many times lower than the generic drug in the State's copay! There numerous examples, but most recent example is my wife's Levothyroxine. I buy a German-made medication for $1 in Bulgaria. In the States, a generic version made by noname Indian company has a $10 copay. Same with the Metformin I buy. The original brand…

That's from your privileged position but for the majority of Bulgarians an MRI is equally expensive than an MRI for the average American - simply unaffordable.

For most people health care is expensive no matter where they are.

Re: Molly Holzschlag has died

#55
post #49

Earlier quoted context omitted.

What if they are EU citizens?

Doesn't matter. Even if you are a German citizen and by 55 you've never been in the health system you're out of luck.

In the above described scenario (US-based retiree moving to Germany), its likely the social security totalization treaty applies, giving them access to the health system: https://www.ssa.gov/international/Agreement_Pamphlets/german...

Re: Molly Holzschlag has died

#56
post #31

Earlier quoted context omitted.

yeah, I find it odd, just add up the revenue of the health insurance industry, that's how much you americans are paying, then see how much profit and overheads they have, that's how much health care money is directly not going to actual health outcomes, and then work out if you can do a better system. Should be a case that overall, everyone pays less and you get better outcomes. But, I can't see it ever happening for…

We were just one Senate vote away (Joe Lieberman) from getting a public option during the Obama administration. The law essentially needed a 60% supermajority to pass and it had 59% support of our legislature. Quite tragic - the next generation may get to try again.

Yup. The guy from Connecticut had to side with the insurance lobby. He had been on the ticket with Gore in 2000, so this was a total betrayal by a democrat. He didn’t even run for reelection after that vote, so he just burned everyone for no reason other than he wanted to keep the system we have today that hurts people and helps insurance companies. This guy is trash.

Re: Molly Holzschlag has died

#57

Earlier quoted context omitted.

I'm not German myself, but I'm pretty sure the public health care system is open to all legal residents, no matter what age they move there. But like most countries, there are significant hurdles to immigration, and they would be even higher for somebody in retirement age.

I am indeed German and to the best of my knowledge our health care system is not open to all legal residents. I worded it carefully above, because it is complicated and there might be loopholes, but in general a person older than 55 that has never been in the German health system will not get in.

So correct me if I'm wrong, but:

* Germany has an Obamacare-like system: Insurance is private, but mandatory.

* You can choose and change your insurance provider freely, and they cannot reject you

So if that is true, health insurance companies have the risk of older residents joining, whether or not the previously resided in Germany, and it's not like they benefited from their contributions before.

So how exactly would this exclusion work? Is insurance not mandatory for immigrants after a certain age? Do insurance companies have a right to reject them?

I was not able to find a direct discussion of the question, but this page discussing the health problems of older immigrants (including "access to the health care system") does not mention the possibility that they would be excluded from the health care system altogether: https://heimatkunde.boell.de/de/2013/11/18/ältere-migrantinn...

Re: Molly Holzschlag has died

#58

Earlier quoted context omitted.

I am indeed German and to the best of my knowledge our health care system is not open to all legal residents. I worded it carefully above, because it is complicated and there might be loopholes, but in general a person older than 55 that has never been in the German health system will not get in.

So correct me if I'm wrong, but: * Germany has an Obamacare-like system: Insurance is private, but mandatory. * You can choose and change your insurance provider freely, and they cannot reject you So if that is true, health insurance companies have the risk of older residents joining, whether or not the previously resided in Germany, and it's not like they benefited from their contributions before. So how exactly wou…

I think it’s public, not private.

Re: Molly Holzschlag has died

#59
post #45

Earlier quoted context omitted.

> health care is expensive everywhere That's simply not true: per capita spending on healthcare (regardless of how that spending happens) is dramatically higher in the U.S. than anywhere else on the planet. For example, Germany spends 60% Per Capita compared to the U.S. https://www.pgpf.org/chart-archive/0006_health-care-oecd Spain spends just over 30% compared to the U.S. And I've paid for/received healthcare in Por…

Out of interest: Did you receive public healthcare or did you take out a private insurance in those countries you mentioned? I'm especially curious if you were able to receive NHS health care as (I assume) a foreigner? When you say cheaper do you mean (private) health insurance or directly paying for medical services, or both?

Portugal: paid out of pocket, no insurance. A trip to the ER to refill a prescription (it's what our landlord told us to do) took about twenty minutes and cost under $30. Filling that prescription cost less than the copay in the U.S.

Thailand: paid out of pocket, no insurance. A trip to the ER for digestive issues took under an hour and the visit plus antibiotics cost under $200. This was at Bumrungrad, one of the best hospitals in Thailand.

I'll double-check, but I'm pretty confident my wife's care in the UK was under the NHS. Nepal was also her, I think it was out of pocket, but I'll check.

Re: Molly Holzschlag has died

#60

Earlier quoted context omitted.

So correct me if I'm wrong, but: * Germany has an Obamacare-like system: Insurance is private, but mandatory. * You can choose and change your insurance provider freely, and they cannot reject you So if that is true, health insurance companies have the risk of older residents joining, whether or not the previously resided in Germany, and it's not like they benefited from their contributions before. So how exactly wou…

I think it’s public, not private.

Ah, I was mistaken. I was correct in that insurance is mandatory, but most people get the insurance from a state-run insurance company:

https://www.informedhealth.org/the-german-health-care-system...

https://www.ssa.gov/policy/docs/progdesc/ssptw/2018-2019/eur...

[Corrected to admit my error]

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