The change back from PHI to SHI is made very hard because we don't want young, healthy people to go on the private insurance to save money, then go back to the SHI when they actually need the coverage and cost explodes. "Privatizing profits and socializing cost" is a no go.
I am located in Düsseldorf, and honestly, wait times have not been an issue for me, ever. I've "used" the German SHI system extensively due to several different illnesses and it works really well. However, I think, the video left out some important information. The amount everyone in the SHI pays is 15% of the salary. However, this is split between employer and employee. So I pay 7,5% of my salary every month for health insurance. If I get ill, my employer has to continue paying 100% of my salary for 6 weeks. (Side note: it is illegal for employers to fire me due to illness so he has to keep my position open for me until I return). If I am ill longer than 6 weeks, the SHI steps in and takes over 80% of my salary for a duration 78 weeks. If I am ill even longer than that, the government steps in and I receive "Arbeitslosengeld" (unemployment benefit) for another 72 weeks. After that I at least receive "Grundsicherung" (subsistence income) and my health insurance is also covered by the government. So, in summary, our safety net is pretty tight. And for me, THAT means freedom - instead of worrying about healthcare costs and having to figure out complicated insurance policies as in the US.
"the SHI steps in and takes over 80% of my salary for a duration 78 weeks" => It is 70% of your gross income, but not more than 90% of you net income. And there is a income threshold of 4.987,50 € (gross income). If you earn more, you practically get less than 70%. And the 6 weeks where the employer pays are included in the 78 weeks. The 78 week limit is for a range of 3 years. But those 78 weeks are tied to the same illness. So if you are missing long time for 2 different reasons this could add up to more than 78 weeks. The same goes for the 6 weeks where you get your full salary from the employer.
Also ich musste 2 1/2 Monate auf nen Termin zum Neurologen und auch Schulterspezialisten in Bremen warten. Manche Hausaerzte wollen einen hier nicht mal mehr als Patient aufnehmen weil alles schon zu überfüllt ist, da ist wohl die Massenimmigration schuld und das wird sicherlich noch schlimmer werden (es gibt nunmal nicht unendlich Platz).
@@meluzinaskolastika746 No you can't. Atleast in generel. There are specific laws for it. For example if you are and use your "free time" for stuff thats not helping you to get healthy again. For example being on sick leave for a cold and then giong to a pub in the evening.
@@Darrkuable you are wrong, please google it. it is amyth that you can not be fired when sick. it is pretty common and legal. btw what you are describing is something different - it is abusing of sick leave
I come from Germany and when it comes to waiting times, it depends on which doctor I have to go to and where I live. i live in cologne (1 million inhabitants) and if i have to see my family doctor and it's not an emergency, i have an appointment in 2 days (with my app). If the pain is severe, I can also go to the family doctor for the emergency consultation the same or next day. If it's really bad, because of an accident etc., I'll call the ambulance and they'll take me to the hospital, to the emergency room, no matter what time. Getting an appointment with a specialist is different and depends on the specialty. At the dentist, if it's a routine check-up, 2-3 days. ENT doctor a week. With other specialists it can also take one to three months.I've never had to worry that I can't afford my health. Example last year: I cut my hand deeply while cooking, then I wrapped my hand in a kitchen towel and to stop the bleeding and called the ambulance cost me €10. Even if you are unemployed or receiving social assistance, you have health insurance, the statutory health insurance company makes no difference to how much money you have. If you are unemployed and you cannot afford the dental treatment, you can submit an application that the statutory health insurance company that you are with will cover all the costs. With many statutory health insurance companies, check-ups are included or there is a small co-payment. Preventive check-ups often depend on how old you are and how often you can do them. For example, with my statutory health insurance, I get €65 a year for teeth cleaning at the dentist, I have to pay the rest myself. At my dentist the tooth cleaning costs 110€. Other check-ups such as e.g. I pay nothing for the examination of colon cancer and can have it repeated at certain intervals. Statutory health insurance companies have bonus programs with which they advertise themselves. So you can find out for yourself which suits you better. Example: for two prevention courses a year, my statutory health insurance pays €75 for one course. Courses are e.g. Autogenic training, yoga, tai chi and qigong, back training, etc. Nutrition courses for children here, the statutory health insurance company that I am with pays 100% a maximum of €250 for the course. I wrote it with google translator, I hope it is understandable.
as a german i had eye surgery in december and i waited like 5 hours to get(had food in the morning and had to wait) it i basically went to my doctor in the morning and they sent me to a hospital because it was urgent. i waited like 1 week for the appointment but they told me i should have told them its urgent because i had symptoms and i would have gotten an appointment latest next day. the only time you have to wait for your appointment is if its not urgent. you can wait a few weeks for things like skin check ups or something but if you feel like its urgent you prob get one in a few days.
I had called an eye clinic 10 km away in the morning because of suspected cataracts, and got an appointment 3 weeks later. A 1/2 hour later, she called back because she had a bad feeling, and said I should come at noon. But I was not an emergency, with tests and 2 laser op's where I got 2 artificial lenses put in, after 6 weeks everything was done. 10€ for eye drops and ointment. That was it.
Sorry, but the wait problem is not really existing here in germany. You only wait for apointments for specialists like ophthalmologists. And ... If something is urgent they always find a way to squeeze you in. Means you may have to wait for hours, but never for weeks or even Months. Greetings from Germany 😉
30 million people in the US not being insured at all is horrible. But you have to keep in mind, that there is another very large number of people, who are under insured in addition to that as well.
Private health insurance companies in Germany are usually picked by their customers, because they are cheaper than the public system for young and healthy customers, especially at this higher income level. So you earn a lot and get a chance to save more of your income that way, while you would be stuck at the highest fee with SHI. But yes, they do offer some premium services as well. It gets expensive the older you get or when you develop some chronical conditions over time.
A good waiting time is around 15-30 minutes, middle long an hour and really long I would say around 2-3 hours. Anything over that time, you've probably been forgotten.
I'm from Germany - and if I want to, I see a doctor the same day. If it's urgent, you have maybe some waiting hours in the ER. And maybe some weeks for specialists, if it is not urgent. So - I really love our system. You don't have to worry and you can focus on recovery instead of making worries about the costs...
Yes we do get checkups in other countries , MUCH MORE frequently than you probably do, since for Universal healthcare, it is more cost effective to spend a little amount on checkups to detect health problems before they get big enough to require big interventions. So it is recomended to get 1 or 2 checkups a year. Specially after turning 40 As for the wait times it varies , they are usually longer for big cities and much faster for towns and villages. Here in spain you can be waiting for 2 or 3 hours in the ER for a non critical emergency in a big city, And it can take you weeks to get an appointment with an especialist. If not, you can always pay more to get private insurance and avoid wait times, private insurance is very cheap here, it costs us (for a family of 4) around 1500euros for the whole year, so around 140$ a month for the 4 of us
Each system has its advantages and disadvantages. What annoys many "Kassenpatienten" (SHI) here in Germany is that privately insured (PHI) get an appointment with specialists much earlier (often within a few days or 3 weeks); as an SGI, you can sometimes wait 6 months for a specialist appointment.
I'm from Germany. I once had to wait over 3 months for an appointment with a neurologist. You can always get an appointment with a regular family doctor.
My experience is that I never had to wait for any doctor. Maybe it´s because I live in a bigger city (Hamburg) and there are a lot more doctors than in the countryside. What I like most with SHI is that the charges are split in half with your employer. In the moment it is about 16% of my salary up to a limit of about €60k p.y. >> about €5k per month. 16% of the €5k is €800 and the half of it (€400) is my monthly cost of healthcare. If you earn more than the €60k p.y. you don´t have to pay more, because this is the maximum limit of what they can charge you. This limit (called "Beitragsbemessungsgrenze") will be increased by the government every year according to the average rise of salaries. With this €400 per month my wife and children are covered either, as long as they don´t earn money themselves. The healthcare isn´t linked with your job or the company you work for. If you lose your job you get money from the unemployment insurance and they pay the former company´s part.
Just about EVERY country has worked out health for all… it’s just your country is more worried about profit rather than its people, very sad. In Australia, pay a little extra tax and your covered, not hard to fix!… we have our issues right now with being able to staff hospitals so there are delays but just about all countries are having similar problems, the Gov. here are about to spend a heap of money too. (they need too) I’d be happy to pay a little more tax if I know I and all my friends can get fixed when they need it… I also have private insurance (Top of the line) $240AUD/per mth which allows me to select ANY Dr I want and I dont have to wait in any queues…but Hey… if you need a hospital bed you’ll generally get one anyway. 99.9% of the time anyway… I was diagnosed with a bad heart a few years back, 3 days later (not using my private insurance) I had a quadruple heart bypass, 5 days in ICT, 5 in a normal bed… cost = $0…
FYI: imprtant thing is, the maximum around 840€ (it changes over the years depending on yearly average income) is split 50/50 with your employer ... meaning: unless you have private insurance, by law your employer has to pay half of your health insurance. So the maximum you have to pay is only half of that! As of 2023 the maximum rate in health insurance is reached if you make 4987€/Month at an amount of 385-413€ / month (it differs a bit between the different insurances) and the employer has to pay 385€. That is the maximum.
We in The Netherlands used to have the German system, but now we have a public private partnership in the healthcare sector. The private part are the insurance companies and the self-employed healthcare workers, like GPs, physiotherapists, dentists etc. The public part are the health institutions, like hospitals and clinics. The hospitals aren’t allowed to make a profit. We have a mandatory basic health insurance, which costs about €120/month and a deductible (called Eigen Risico, or literally own risk) of €385/year. You can raise the amount to €885/year and have a lower premium (I did). I also hav an additional health insurance (€13/month) and a dental insurance (€12/month), both are not not mandatory. Dental care for kids is covered by the basic health insurance. You can choose between 3 different packages for the mandatory basic health insurance. 1. Budget polis; the cheapest and the conditions are that you can only go to the healthcare providers that have a contract with the insurance company. That could mean that you have to travel to the other side of the country for a specific surgery. Sometimes these hospitals have, what we call, conveyer belt surgery, to have lower prices, they just do one kind of operation f.e. knee surgery. 2. Natura polis; the luxury variant of the Budget polis. The insurance company has more than one contract with healthcare providers, so travel times won’t be that long. You still need to go to the healthcare providers they have a contract with. 3. Restitutie polis; you can go to almost any healthcare provider you want and your insurance company will pay the bill, or with smaller amounts you pay the bill and your insurance company reimburses you. For expensive surgery, treatments or medication, you often do need permission upfront from your insurance company to go to the healthcare provider you chose, otherwise they will only reimburse you the standard amount they pay for similar contracts and the surplus amount needs to be paid by you. To prevent you from having these nasty surprises, you ask their permission upfront. This system has dampened the healthcare costs in our country, but the best thing of this system is that the GP is the gatekeeper of the whole system. You first go to your GP, it is not allowed to go to a specialist or hospital without seeing your GP first (he gives you a referral), unless you’re brought by an ambulance to the ER. After office hours of your GP (evening, night, weekend, holidays) you go to the Huisartsenpost (GP center), often next to the ER. Waiting times can be very long at these facilities, because many people go there without a n appointment. You’ll have to call first, so the triage nurse can decide if it is necessary to come to the GP Center or that you can wait till your GP office opens again. There is a plan to start giving fines to people for showing up without an appointment at the off-hours GP Center or the ER. These people are clogging up the system and are the cause of the waiting times.
Regarding waiting times in Germany: There are of course no waiting times for emergencies. When you go to your general practitioner, it depends on how busy they are that day. It can be that you are treated directly without waiting time, but it can also be that you have to wait 2 hours. But you will always get a same day appointment if you call in the morning. Waiting times come into play when you need an appointment with a specialist and it is not an emergency. I think the longest waiting times are currently with psychotherapists where you have to wait months for a place because there are just not enough of them. Whereby that also depends on whether you live in a larger city, where there are many, or in a rural area. There are also parties in Germany that want to abolish the private part and change to a uniform insurance for all.
@@koschmx Of course, I have experience with it. There is no waiting time. And sending someone away in an emergency situation would simply be illegal and have legal consequences. Even for citizens who are not medical professionals, not giving emergency help is a criminal offense. I don't believe you have ever been to Germany and are just making shit up.
@@koschmx Why do you go to a hospital? This is not the usual way in Germany. The first port of call is always the general practitioner. He will then transfer you, if necessary, to the appropriate specialists. Foreigners often have difficulties finding their way through the system when they are new. And of course in individual cases something can go wrong. But this is not representative for the system as such. And what you describe has nothing to do with waiting times.
@@koschmx None of what you describe was an emergency. If you show up at the hospital unannounced with stomach pain, of course they will send you away. That's not an emergency and you need to go to your primary care doctor with that. And, that it is possible that you may well have to wait a few hours if it is not an emergency and there is a lot going on, I wrote in my first comment. I don't know of any system where this can be completely prevented.
@@koschmx According to DIN 13050: Patient who, as a result of illness, injury, or other cause, is in immediate or anticipated danger to life requiring emergency care and/or monitoring and appropriate transport to further diagnostic facilities or medical treatment.
What exists in Germany as well as other countries in Europe is the option to by supplemental private insurance that adds some of extra things private insurers offer.
I’m in the german SHI. Did my checkup turning 50: doctor visit, blood check, RTG, Tomography, Gastroscopy, EKG, Heart Echo, and what have you what. All done within 2 weeks. Costs: exactly 0,00 Euros.
I don't understand why English-speakers are so freaked out by compound words. Even when they are relatively short. That one merely meant "Health Insurance Act". It was literally the exact same words only written together. If you understood the language you'd instinctively separate the individual words. People come up with all kinds of silly long words for fun, but they aren't that common in everyday life. Overly long ones are mostly encountered in technical and legal texts where an absolutely unambiguous meaning is more important.
Germany has the *second* lowest wait times in the world. The percentage of cases with a wait time longer than 1 day is: 12% in Switzerland 13% in Germany and the Netherlands … … 28% in the USA
I am from Germany. Wait times are only if you want to see a speciatlist And you want a appointment that is not urgent. For example for an eye doctor or skin doctor you need to schedule like month in advance. But if I feel sick in the morning and need to see my general physician I normally get an appointment on the same day, but sometimes you need to wait for a while if they are really busy.
My friend - ER specialist with 20y experience said one time when I complain that I have to wait 2 hours on ER "You should be happy, If you are first it means you are dying" In Poland with much worst helhcare than Germany I can get to doctor in the same day (sick for example a flu), i 2-3 days when I need another kind of help. Specialists its depends. How mobile you are and what kind of doctor you need. It can be days or months :/ It is not so bad when you have a flu, very fast when it is emergency and bad between both. But in my opinion it is going better, for example there are web pages to check avibility of specialists or diagnostic. To be fair you can make an ecuz card (or in English EHIC, or European Health Insurance Card) and get all services in every EU or EFTA country. It great for travelers
Same here in Finland, atopical rash or "slight pain in the knee when i squat" will take months to get treated, aggressive cancer or acute heart problems are treated immediately. I had some heart worries , and it took less than month to get a diagnose, heart itself was ruled out it within a week. Turned out heart was about perfect..long story but i had hiatal hernia and inflammation of the esophagus and upper stomach, ulcer risk that irritated vagus nerve that triggered a panic attack. Complicated reason and i even had the doctor change between.. The immediacy could be a sign that it is more serious, if the schedule is relaxed.. you can relax.
@@squidcaps4308 I think it is pretty much the same around the EU sure the details are a bit different but the outcome is more or less the same everybody is covered everywhere and no one needs to go broke in case of an emergency . Om top of that reaction times in citys is fast and in rural areas slower and you get the help that you need in most cases.
A normal wait time is about half an hour in Germany I guess. It can be up to 2 or 3 hours. But I also had a doctor with whom I had to wait a maximum of 15 minutes because she had an exemplary organized practice. I have now spoken of the family doctor or the dentist. If you want to consult a specialist, you can wait days, weeks or months, depending on what kind of expert he is. I think that beyond that, however, it is ensured that those who need help the most are also more likely to get their turn.
If you're sick and need doctors notice for your sick leave its usually a same day appointment. For specialists it might be between 2-4 weeks, depending on your area (rural areas have less specialists around, so you might have to wait). But even there, if it's urgent, you'll get an appointment on the same/next day.
Wait times, check ups and urgency - an example: In Germany, under SHI, you're eligible for a full-body dermal screening every other year once you've turned 35, for skin cancer prevention. Now, if I call my dermatologist to get that screening, I'll get an appointment anywhere from 3 to 8 weeks in the future. Those are the long wait times Germans tend to complain about, especially when comparing SHI and PHI: Routine or optional, non-urgent appointments with specialist doctors, and yes, we're usually talking weeks, here. Thus far, she has only found stuff during check ups that might, at some point in the future, develop into cancer. Stuff where a removal is suggested, maybe even recommended, but not necessarily required. If I go to the clinic that will handle the removal, with that diagnosis, I'll wait another 3 to 8 weeks for an appointment for removal. It's still non-urgent. I have every trust in the world that if she found something that needed removal, I'd be rid of it the same day, probably within three hours, and no later than the next day. (And we're talking skin cancer, here, not having a limb cut off or profusely bleeding.) Likewise, if I find a spot that might be something bad at some other point, I can go to my dermatologist without an appointment and probably will have to wait an hour or two to be seen, depending on how busy it is. On the upside, with those long-term scheduled appointments - I don't think I've ever been called by my doctors to reschedule an appointment (well, not negatively, anyhow), and the wait times on the appointment date are usually 10 to 15 minutes.
I learned a big thing about ambulances from my dad. If it is an emergency like a car accident or something like that you don’t have to pay a fee (around 10€). If it’s not an emergency you have to pay for it. My mum had to pay for it when she gave birth to my sister because it wasn’t a real emergency
As a german. Urgent care, as in I am currently sick and need help from my primary care provider or the emergency room is a matter of between 30 min and a few hours ( assuming my illness / injury allows for the wait time ) depending on different factors. Wait time becomes a problem for non accute problems. Long term injuries or the like. Getting an appointment to a specialist can be a few weeks
You can get more than 50% on dental, but some of the procedures payments require you to proof, that you regularly (once a year) had a checkup at a dentist. This quasi mandatory yearly checkup system means, that the dental situation of most people is pretty good, as issues are detected early on.
So it depends for the waiting time. If you go to your primary care doctor without an appointment, you might wait an hour to 3-4 hours. Depending on how busy they are. If you go to the ER for a non urgent thing, you wait, depending on how busy the ER is it can range from 1 hour up to 8 hours. If you come in with some pain in your toe, you wait the longest, if you come by ambulance, you get admitted right away with no time wasted. If you come throught the door with a complaint that could be urgent "neurological, heart, etc etc" you will most likely get priorized right away to the top of the queue
With public health insurance: At the family doctor/general practitioner, we have no waiting time at all for an appointment. At the doctor's office, the waiting time varies between 10 minutes and 1 hour with my doctor. With a specialist, it looks different with the appointments. There it can take 2-6 weeks until you get an appointment unless it is an emergency and you get the receptionist convinced that it is one ; ) Of course, we have in hospitals an emergency department that are currently unfortunately very overworked due to lack of doctors. Had a cut that needed stitching (it was Friday night) Was at 7:45PM in the emergency room and was only stitched at 2.30AM. (but was also very busy and my cut was not so bad). Greetings form Munich
In Norway you can still pay for private insurance and go to private clinics. But you still have to pay the tax that covers the public healthcare system.
It can take time to get an appointment with a specialist. With psychiatrists or psychotherapists it can take 6-9 months. With other specialists it can be a few weeks. With a family doctor, you can get an appointment at short notice, you can also go without an appointment and usually you are not sent home, but you have to put up with a little longer waiting time in the waiting room. Waiting time at doctors, if you have an appointment, is very different. In my experience, you have to wait an average of 1 hour. Often it takes only a few minutes, sometimes 2 hours. What has not been mentioned here about our health insurance system, are wage replacement payments, if one is ill in the long term and cannot work. Unfortunately, I have been on sick leave for 10 months and cannot work. The health insurance company pays me 70% of my wages, for a maximum of 72 weeks, almost 1.5 years. If one is healthy again in the period and works again, the employer pays the normal wage, if one is not healthy, there are other state wage replacement payments or a disability pension. I start working again in May. In the U.S. I would have been fired long ago, I guess, but in Germany it is not so easy for the employer. There are very high hurdles.
I still prefer Norways system. Everything with the hospital is free, and the max deductible for doctor visits are capped at 220eur/year, about 20eur per visit. If you take a medicine regularly (like for asthma, for anxiety etc) most of the cost is covered by the state (I pay about 3eur per month for my medication). Germany's system is to privatized for my liking. Though I know no one goes without healthcare, you still shouldn't be having to pay 800+eur in any case. Just my 2 cents.
Germany: In the hospital you have to pay 10€ per day, but this is limited for longer stays at 28 days / 280 Euros and per year. So it isn't THAT bad. There are no deductibles for doctor visits at all. You have to pay co-pays for medicine, between 5-10 Euros, which again is capped at a certain level. And people with lower income won't have to pay them at all. 800 Euros is the highest possible fee, at $59.000 basically. And you only pay 400 Euros of that, the other half has to be paid by your employer. So it really only is 400 Euro for you. It will be cheaper for you than this, when you opt-out and go to private healthcare for salaries above $60.000, when you're young and healthy.
Doctor visits are free in Germany. We pay 10€ for calling the ambulance and 10€ for a night at a hospital but not more than 280€ per year. My copay for medication is 5€ per prescription but my pills last 4 months. I think the more you earn the more you're able to pay into the system - and it is capped anyways. Don't Norwegian people who have a high income pay more taxes?
I'm from Germany and I'm self employed but a stayed in the public system because it is more affordable if you become older and its more flexible and better adapted to your income. My experience it over all very good. All necessary treatment is covered. Only for better dental treatment I have a additional private insurance. The wating time in my experience is not too long. But this depends from the region or city.
The wait time really depends on where you live and on the kind of procedure. At my local doctor's office where I grew up (around 10k citizens and like 2 general physicians in the area) with an appointment and w/o I never had to wait for more than an hour max. Usually it was around 20-30min. In bigger cities (like 1+ Mio) it was roughly the same for me but of course you have more variety and more specialized doctors there. I had to go to an internal specialist there once and had my appointment scheduled for in about a week. But my case was also kind of urgent so idk if I got lucky there. For prescription medicine you pay 10% of the medicine's cost yourself out of pocket, but at least 5 Euro and at the highest 10 Euro. For example a drug I have to get monthly costs roughly 50 Euros but I pay 5 for it. If it were to cost 400 Euros it would still only cost me 10 Euros per month. At the doctor's office they generally sort arrivals after appointment time, then time of arrival for those w/o and then most important *urgency*. If you stumble in with a bleeding leg they won't make you wait lol. I'd say the biggest problem we have is doctors being closed on sundays (and sometimes saturdays?) and ppl going to the ER on those days with only minor injuries (and some ppl just go there generally, believe it or not). Bc you don't really have to pay for it some ppl seem to think it is okay to show up at the ER on a sunday if their kid has a cold, believe it or not. But most ppl that criticise the system are in my opinion just very privileged and already see a 40min waiting time as a "waiting time issue", but that's just my impression. TLDR; If I had to guess average wait time is about 30-40min for general procedures even w/o an appointment. But for specialized procedures it may take a while to get an appointment I guess.
It depends, some times was called right away, sometimes you wait for 15 minutes, sometimes for 30 and rarely for 1 hour. But you can also go to doctors with an appointment or they tell you when you should be back and you just go out and visit or buy some things during the waiting time.
There is no waiting time if you have an emergency. The public health insurance also pays for the ambulance or helicopter airlift if requested. If you need a taxi to visit a doctor it is also covered by the insurance. Waiting time is sometimes an issue in some areas if you want to see an specialist directly. If the appointment with the specialist is made through your general practitioner, it is usually quicker.
25:52 In Slovakia we have one state insurance company, it's the biggest one, and two private ones. You pay the same amount of money if you have any of them, because our health insurance amount depends on your salary (14% of your monthly pay). They stay competitive by offering their clients benefits, like: - they pay for some examinations that they are not required by the law, mostly of preventive nature; - they pay for your dentist expenses (e.g. one of them pays you 5 x 30€ dentist expenses in a year and that is enough, you usually don't even need more - I have always paid for a filling, an extraction or a root canal between 15 - 25€); - if you have to co-pay for some prescription drugs, they will pay it for you or reimburse it later; - they give you discounts or co-pay for things like new glasses, some necessary things (or food) for diabetics, vaccines, tests (like covid), a medical stay for a few weeks in a spa, benefits for blood donors and a lot more. We also have a right by law (and are supposed) to have a preventive examination by our general doctor once in two years, a dentist once a year (mandatory, or they will not pay for you in the next year) and a gynecologist once a year /urologist for men after 40. It saves money of the insurance companies, because early diagnosis can save them from paying you expensive treatments or treating a chronic illness later. The waiting time depends. A general doctor - you just go there whenever you need, no appointment needed. Specialists - it varies from immediate visit (surgeon, gynecologist etc, or if it's an emergency), to one week, a few weeks or months, if it's not an emmergency. Well, we have a shortage of doctors. Lot of work, lot of burocracy and not even payed well.
I remember a video about a guy being stuck in a snow storm in the US occupying a school for the drivers stuck in the storm. I also remember a snow storm in my region where citizens went to the Autbahn with hot tea and coffee, fuel and blankets to help the drivers. Accordingly, in the US, if you're stuck, help yourself. In Europe, people help each other. Go, figure.
@@lilithiaabendstern6303 They do have it, but they don't recongnize it. The local communities act like almost socialist entities. Neighbours are collecting for others hospital bills, people unite to fight big companies. Flint/Michigan and right now East Palestine/Ohio are the best examples. But as soon as it hits the national level it's all "socialism" - because the media and the right wing politics say so. Education, education, education, education. We're missing out on this in Germany more and more, too. Because people are complaining about not being able to get the latest iPhone......
In Germany you have to pay 14 percent of your gross income but not more than 700 Euros per month (if you earn more than 4800 Euros). If only one parent earns money, that is the price for the whole family with all children. If both parents are employed, both have to pay 14 percent. In case of longer sickness, the health insurrance will pay your income for several years. It is beautifull everywhere in the world, but if I would be sick, I would like to be at home.
Actually the coverage is up to a 100% for relevant dental procedures. You just get the cheapest possible version. Like if you need a replacement of some teeth, they will pay you the cheap version, made of metal. You still get a certain coverage, if you choose a more advanced replacement.
With one parent in the public system and the private system, children can be covered by the public system (for free). That was the case for me, my mother was in the public system and I was covered through that (for no extra cost), all while my father was insured privately.
And you practically can't go back to public once you went private, so doing so is generally considered a bad idea. Except, of course, by young, healthy people not considering the future when looking at the "young&healthy" tariffs.
as far as i know there is a restriction. this only applies if the partner with statutory health insurance has more income than the partner with private health insurance. Otherwise, the children must also be privately insured. Just wanted to make sure that no one misunderstands. It is not always possible to continue to insure the children in the public system.
@@aphextwin5712 Don't misunderstand, I'm sure you're right and that it was certainly different in the past. Since almost every year so much is changed, the income limit, for example, is also constantly increased year for year.
What wasn’t maybe explained as clearly is that in the public system, you pay a percentage of your wage, but this capped to that roughly $800 per month. With this, higher earners obviously pay much more and low earners much less. As a result the average revenue per insured person of the public insurance agency is much lower, say maybe only $300 per month. This is where the private insurers come in; they can in principle offer the same coverage as the public agencies by charging the same $300 per month or offer better services for that $800 per month that top earners would pay in the public system. By choosing the private option (which again you only can do if you earn more than $60’000 per year), you no longer contribute to subsidising the coverage of low income people (at least not directly). As a penalty, you are not allowed back into the public system if at some later point that would be cheaper for you.
I wonder what makes it so expensive though. We have a pretty similar system here in the Netherlands, but insurance varies somewhere between 120 to 160 euro per month regardless of income. Depending on income the government may cover part or all of that. The big difference is that we only have a sort-of-public system (i.e. private but regulated non-profit organisations), but that doesn't really explain the difference in cost.
Waiting times differ a lot on case, ER goes in order of urgency, nothing else. That kinda goes for all doctors, like urgent care is same day or maybe the day after if it's not *that* urgent. But to get an appointment for non-urgent specialists can indeed take quite a while, especially for Psychotherapists. Still, for most things you can still get an appointment within 2 weeks.
If I go to my regular doctor without an appointment, I have to wait around 1,5 hours. For special doctors, like a gynecologist, I have to make an appointment long in advance, waiting time is around 4 months. But if I have an urgent issue, I call the doctor (including the specialist) and can come in during the day. They tell me "cone around 11" and I wait around half an hour. I only wait longer if I don't call beforehand and ask when it's convenient for them. As for dental: anything necessary, like a root canal, is covered. It's just extra things that cost: like not the standard filling, but the nicer one. Not the standard cleaning, but the more in-depth one. Everything that is necessary, that is covered. Also: once I had a problem and I didn't feel well treated by the doctor. So I went to another one to get a second opinion. And then a third one, because it was a big issue. And I haven't had to pay for that. As for costs: at 60.000 EUR, the cost for health insurance is around 800 EUR. But the employer pays half of that. So it's 400 per month and everything covered
what I keep saying about US health service. It doing what it meant to do and that make money. Not what it was design for and the health service. yet most other countries it's there for health first then cost is second.
Waiting times depends much on the area where you live. In areas where you have universities with medizin around you will likely have more doctors, also in bigger cities and more well off areas. And there are arewas where you have to wait weeks or months to see a specialists. Like end of 2021 I knew a guy who needed a check up for his heart. He had really issues with that, very high blood pressure, over weigt. He got an appointment for in 3 months later in 2022. Some family physicians will give you the advise to look when a specialist like an eye doctor is on duity in the ER and go to the ER because you have problems with it right now. Friend of mine waited 6 hours in the ER with a splinter he could not get out by himself. Longest I waited was also about 6 hours. Grandfather had an appointment with the cariologist at 10 or 11 am and we could leave in the afternoon about 4 pm. Health service used to be better in Germany.
If you go to your "general" doctor you might only wait like 30-60 minutes usually maybe less or more. If you need a special doctor for CT Scan or other very specific medical professions (as psycho therapy or oncologist) you might need to wait weeks, months up to half a year. A dentist for example you might wait a few hours if it is urgent and you have no appointment. So lets say "Standard" doctors do not have long waiting times usually. If you go to a hospital it might depend how urgent it is of course. But sometimes you wait hours there.
Main thing is you can not lose coverage, it is just not realistically possible not in SHI, not in PHI. You never owe the doctor/hospital, you only ever owe the insurance, they can not cick you out, even if you never pay, they can "only" sue you for the monthly fees. If you never even register with an insurance you are automatically insured by your parents one where you were as a child, and if you ever lose the financial ability to pay, its paid by the state. You can always go to a doctor and get treated without having to pay the doc - the most you can screw up is owing the insurance for the months you haven't paid. If you go bankrupt, even PHI has to put you on a special plan thats effectively like SHI - or if you end up on social assistance with PHI the state has to pay their monthly fees. Essentially Germany has the problem of not being able to pay isolated from the problem of not receiving care.
Wait times here I Germany really vary. If you don't have to worry about costs there is really no hesitation for people to visit their doctor because they woke up with a mild headache in the morning. And with regulated price tags, the job of a doctor isn't as well paid as you'd expect it. So the number of practises is going down. This can lead to full waiting rooms, especially in the populated areas. I personally have experienced both extremes where I had to ring up 5 different doctors in my area before one even accepted my mother in law as a new patient and then when my dad got sick and I had to beg that stubborn old man to see a doctor he was sitting in the examination room 30 minutes after I ended that phone call for an appointment.
Assuming a doctor who hasn't taken on too many patients: a few days for general practitioner, extreme would be 3 weeks. Specialists need one or two weeks, extreme would be a month. Overtaxed specialists (either few of them around, ie handsurgeons, or treating widespread deseases (depression or age related ones)) are one or two months up to a few months for first visits, less for repeated ones (and therapist obviously once a week). Once I had an appointment moved by the doctors office (and I was actually like "Oh, so that is a thing"). For emergency care with a general practitioner up to a few hours (normal would be around an hour) depending on how many appointments there are for things like "something fell on my foot, but I can walk with little problems" to some minutes for "My gastric tract just started spewing from both ends." If going to the hospital the wait times are either longer at the low severity end (many more people there than at a doctors) or much shorter when one is rushed right in (but then a comparison isn't sensible because I would go with that to my doctor anyway, that what the er is there for).
If you're young, the premiums of the PHI are quite cheaper then SHI premiums. Therefore for young people it is attractive to go into PHI. But the older you get the cheaper is SHI. Therefore the regulation, that you can't switch back to SHI if you're got into PHI. Because at a young age you should choose a tarif in your PHI company, which build up a stock, that your premiums don't get so high at age. But that reduces the advantages of low premiums at a young age... If you're in PHI you can also change to another company in PHI. There is practicly no wait time to see your general practicioner (0-2 hours). For a check up at a specialist you have in SHI to wait 2 to 4 month. But if you have an acute problem you can go to most specialist and they try to fit you in, maybe you have to wait 2-4 hours, but most will take care of you. In the emergency room you have to wait a few hours (regarding to you emergency).
You pay 20 € privately a day for a hospital (includes food, meds, MRIs and all test and things) stay for the first 20 days in a year. Medication is not avail in pill bottles only blister packs and can be free for some common meds, 5€ for normal meds. (up to about 100 € in purchase price) and 10 € for more expensive drugs. I needed some special meds for about 1 year and the purchase price was 2100 € for 3 weeks. For this I had to pay 10 € each time. Dental is part of health and is treated as such. One free clean a year, normally 2 chkups. Root canal, cavities and all that good stuff is also covered at no extra cost.
If i have a small issue, like a cold, here in germany i just go to my "Hausarzt" which is the standard doctor which i knew for my hole life. No Appointment is needed. But if it is something special my Hausarzt gives me an appointment by a specialist, this could be some days to some weeks.
It is correct. The cost for the health-care in germany is splitted. I pay 50% (420 E) (for example of this 840 €) and my employer paid 50% (also 420 €). And of course this ammount depends on your salary (Could be more or less because it will calculated percentually). Because it is in the interesst of my employer to keep you healthy as an experienced worker or specialist. And the costs of firing, get a replacement (for you) and also education to successfully replace you is mostly much higher (In longtime views)...
1:15 The death toll is almost 42,000 by now. 18:15 Yes. If one parent has PI and one has SHI they can choose who covers the children. Acutally only people who are out of their minds (or very rich) ever leave SHI. A lot of people here in Germany think that the private health insurances should be shut down once and for all. 21:02 That depends on if it is an immediate problem or just a check-up. If you're doing fine and just want a checkup it can be anything from a few days to 2 or 3 months. If you have an immediate problem they have to treat you as soon as possible. From my personal experience and the experiences of friends and family I never heared of someone with a serious problem who had to wait longer than a maximum of two weeks tops, and even that is the exception. Personally, from my own experience, I never had to wait longer than 3 days when I had a real problem (talking about specialists here). Wait times at my "normal" doctor...1-2 hours. You want to know what is required to fix most of the US issues with health insurances? That's simple (well - in theory, not in practice): transform them all into non-profits.
I think the only people who leave SHI for reasons other than shortsightedness is state employees for life (Beamte) because they get some of teh expenses covered by taxes 8but, looking at my mom, that's still a pain in the behind to deal with if you get into truly expensive medication)
uni healthcare is not Red. It's, we ALL pay for the Basic (ER and other life threatening medical expenses) But also a broken finger. The general practitioner, the dentist and the dental hygienists twice a year. For €180 per month.
I pay €180 per month for medical expenses. That is with an additional package. For physiotherapy and dentist. 100% reimbursed. And have an excess of €375 per YEAR! September 22. A forklift truck ran over my foot and it was broken in 4 places. January 9, 23. Was the first day I started working 8 hours a day again. Everything is just paid. Also my wage 100%. And I even had a promotie. Because then they found out what I do in a day.
There are wait times for non urgent stuff, but people are impatient and like to complain about this. I had two emergencies in the last five years. First time fell on my shoulder and thought i dislocated my shoulder. It hurt, but i thought it wasn't that bad, so we didn't call the ambulance and my dad drove me to the hospital. I didn't even have to sit down, they took me directly to the doctor and did X-ray, all the stuff. Result, i had a rupted AC-joint and needed two surgeries. The first was the next day to install the plate. The second one six weeks later to remove the plate again. The other issue was almost a year ago. A had a immediate back pain and went to the family doctor. He said i should get a MRI. I went home and called the radiology at the next hospital. They said they had a appointment in 7 weeks. I called my family doctors office. They called me back 15min later and told me i had an appointment in 1h in a town a 20min drive away. So yes, there are wait times, but when it's urgent, you get the fast lane. Quality between hospitals or even stations in hospitals can vary a lot. You can get a grade A surgery and total caos in the stuff surrounding the stay, even if you pay for private.
Nono Dental is covered for stuff that is necessary of if you are in pain. You get fillings out of concrete material or something. And you only get a bridge between tooths if a tooth is missing. But if you want ceramics or plastic fillings you have to pay to the dentist like 80€ each or something. If you need a titanium implant it in the 3.000€ region. And this is where the special insurance for dental stuff comes in. They pay part of the costs of this stuff and might even give you a teeth cleaning every year. And they want you to visit once a year to get more percentages covered. Its costs like 10-15€ a month so not that expensive.
Hey you both..I go in an ambulant rehab for ms for the next 3 weeks and the cost are 2089 euros. I probably get a 1-4week extension and I pay nothing..I already paid my deductable of 260 euros for the whole year so my insurance pays everything. I act. Lived in the us and I find it to be aweful what bills you face when not insured. I love to pay 14.9% of my monthly income because I get everything I need.
My experience with waiting time in Germany in the last years: Normal practitioner no appointment necessary but a couple of hours in the Waiting room. Emergency room hospital with abdominal pain 3 hours. Acute but not urgent skin problem for a dermatologist 3 weeks. Pain in the hip region waiting time for MRI 1 month (ordered by my GP). Ophthalmologist 5 weeks (edit: checkup)
I'm living in southern Germany and I basically experience no waiting time. If I'm heading to a doctor or my dentist, I usually have just enough time to hang up my coat before I meet the doctor. I had some waiting time when I went to the hospital (because I wasn't an emergency).
In Europe, when something like this happens (Turkey/Syria Earthquakes) there is a sense of community. People band together, I know that several countries send people over to help search and support locally. Besides that, there are actions even on National level for monetary support, so rebuilding can take place, people who have nothing can get the things they need. I believe here in the Netherlands, the national donation thingymebob, got to 108 million Euro (roughly 115 mill USD). As people pay tax, the govt has data on you. And you pay insurance by household, thus if 1 of the parents makes over a certain amount, the kids are not covered for free, as the household income reached the treshold of PHI. The crappier thing, and I can't answer you that, is if the parents divorce and the kids are under 18. Not sure which parent needs to cover the kids.
What hasn't been mentioned is the fact that teachers can choose between SHI and PHI as they are civil servants. I being a teacher chose PHI whist my husband has SHI. We share the same GP and there is neither a difference in treatment nor in waiting times. I have some "minor" advantages and some "disadvantages" being a private patient but all in all my husband has been treated well. What divides us even more from the American system is free ambulance rides and pre- and post natal care. Btw I was astonished to get compliments for my teeth whilst visiting friends in the USA, lol !
I´m German and never in my life I have or had sorrows about a bill, because I need a surgery or need a special doc. So if you have a problem with you skin, you go to the skin doc, if you have problems or a check up with your teeths we are going to the dentist. If we women has a problem or we are going to our check up every year, we go to the the woman doc. We have docs for all you you can imagine. Our waitingtime is sometimes a hour long, depents if you have a date, or you have a problem, and you need directly a doc so you can wait 1,5 hours. The only sorrows we have is to stay healthy, not a bill if you will get really sick. Also the hospital is free for us. For all that we pay every month a bit of what we earn at work. People who aren´t working are also get the best heatlh care. Children are free till they go working or they arrive their 18 birthday.
Over 90% in the US have a health insurance, but does it cover up everything to 100% like in Germany? No! I'll give you an idea: In Germany when you leave the hospital after a surgery, the taxi bringing you home is free! Covered by the state health insurance. (You just pay a 5 Euros insurance fee.)
Sometimes I feel like 20 years ago people in Europe (and USA probably too) had more ACTUAL choice than they have now - today it's overabundance of same stuff packed differently. You can pick from 50 brands of jeans, but all are of several same types, depending on what's trending atm. If you want for example simple, standard one, you have either nowhere to buy them, or have to overpay in that one shop that have them (if you even find that one shop). And this happens to every other categories and products. What's good of 50 health insurance choice, if none of them offer for example insulin refund? It's just illusion of choice.
There are no waiting times among general practitioners ... only with certain specialists, since they are simply less common. But in emergencies there are no waiting times ... hospitals always take up immediately .... Health is our highest asset and affordable in Germany ... I don't know anyone who had to take a loan for it ... at most for porcelain teeth :))) Greetings from Wuppertal Germany
Nobody in Germany even thinks about calling an ambulance e.g. Co-payments are capped at 15 Euros, but sometimes it's just free. The amount of money for SHI people mentioned was quite misleading. As someone else here wrote it's always a set amount in percentage of what you earn, currently about 7.5%. And one last remark: People are always covered, no matter it they become unemployed or a being pensioners with a tiny pension. The kind of 'service' is always the same.
Urgent care: no waite time and you will call the ambulance anyway, because its 10€ (as is a night at the hospital). Not urgent: depends. At my doctor I usually waite half an hour. At the eye doctor and the gynecologist one hour. Everybody can go to the doctor for free, so people do that and everybody wants the doctor to take time for their case, so it lasts.
Hey, because of a bad injury I just ran through all the german system. From doctor to Hospital, to multiple Operations, back to doc again and with many meds, even with my doc slightly cheating to get them easier/cheaper. I would like to offer myself to talk with you about it, saying how it actually was and to answer any questions.
Concerning the dental procedures, if you are poor and cannot afford it, they pay in full. For example if you cannot work for some reason and your money comes from social security you qualify for 100% coverage. By the way, root canals or fillings are necessary treatments, they alleviate imminent health problems (pain, loss of teeth etc) as such they are always fully covered. The stuff germans mean when they say half is covered is dental crowns, dentures or other replacements and reconstruction. This is generally a rule of thumb, if it is painful or it gets worse without timely treatment it is always covered 100% in germany. This even extends to certain check-ups for cancer prevention and things like that. Wait times, they can be substantial depending on what you get. Popping in to get a sick note without appoinment probably puts your whole morning to waste and you wait for 2-4 hours. ER can also take longer (except you are in real danger), i have waited a few hours with a broken arm, waiting for xrays and then for the plaster cast to be administered. In case you have an appointment the waiting times is rarely longer then an hour. Specialists vary again, radiologist are very punctual for example (assistants do the actual work) while an orthopedist might take a while because each patient requires an unforeseeable amount of time with the doctor.
Never had any wait time issues here in Scotland. similar system. I get same day appointments if i phone up and inquire before 8.00am. The longest I've waited in A&E was 40 mins... And at 50 plus years old have never gone private because we dont have to. It's optional. Also our prescriptions/medication is free. of course we pay for it as a nation in tax but i am more than happy to know im contributing to my peoples health and welfare..... No problem...
In the Netherlands. Are they also private insurance company. And there are also 3 options. Basic, and then the choice of the insurance company, or freely choose which doctor or hospital you want. My wife and I have the free choice. Basis is € 110, - and I pay € 180, - and my wife pays € 154, - per month. I have my physiotherapist, in my package. 36 treatment per year. #The Netherlands
Why german has so long words: it is easy to explain, just imagine that there is this thing called redopenrooffourwheelcarwaxsponge. It is a specific thing, in this case it is a sponge used to wax red, open roof, four wheel cars. It can't be used in any other purpose, it is its own thing. So you combine all the words needed to specify it and write them together. Finnish has the same logic, kuusipuuleikkuukone would be sprucetreecuttingmachine, a machine that is made to cut down spruce trees. Of course neither examples are real things that exists, but that is the logic: if it is specific thing that requires multiple words to define it, you take all the words and mush them together. Germany beats us barely when it comes to length but they beat us squarely how often very, very long combined words are used. Here we try to avoid combining more than 3 words. Something like 'valtionvarainministeriö' is already a monster of a word (states finance ministers office), 'suihkukoneapumekaanikko' is almost comprehensible when read quickly (assistant mechanic for maintaining jet engines).
Well , waiting Time for Emergency = basically none , if the next Hospital is not aviable because there is another Emergency than they may fly you to another Hospital that may be specialised for that Emergency , eg specialised on Heart diseases if you had an heart attack / heart stroke . For Emergencys its usual to call an ambulance , sometimes they send an Helicopter instead depending on which will be faster . If its urgent and your GP attest it , you dont wait in the Line , they will squezze you in , usually if it has something to do with cancer for example or other illness when diagnosed as early as possible , it can save your life . For a usual checkup at a specialised Doctor it can take weeks or 1-2 month . Besides , basic Dental work is completly free = filling up holes , remove bad teeth , mainentance the Teeth , only artificial teeth are subject to only 50 % coverage . A visit to your GP is often under a week , if its urgent , the same day but with waiting Time of 2-3 hours , again , emergencys = no waiting Time It works fine , personally i had a swelling behind my ear and the ent ( ear , nose throat ) Doctor said it may be Cancer but he cant decide it and send me to a screening Center , 3 Days later i was at the Center and got my MRI without an clear result . They send me to Hospital , and 3 Days later i was in Hospital where they made a small surgery to check if its Cancer or not , luckily it was not , i got antibiotics intravenously for one week and left the Hospital , Problem solved . I payed 10 Euro for each day in Hospital = 70 Euro everything else was covered
Example in France, a homless person is 100% covered ("CMU") and for me it's normal to pay taxes for everyone who it is tomorrow it could be me? No many french people are not happy because life is getting harder and harder. Americans have a moral steel, you are a brave to support these injustices in a country so rich. France 67 million usa 330 million, this may explain it???sorry for my english i'm french :) wouldn't the usa be a multinational ? you are cute and young continue your videos it's important...
I am privately insured. It is a rumor that private insurants have been preferred. In most cases, this is not the case. I have never experienced preferential treatment.
hi guys i live in holland and i pay 155 USD a month i can call the dockters assistent in the morning and usually get a appointment in the afternoon no co pay no nothing free i recieve tablets for high blood pressure theese are not coverd but 3 months supply costa about 15 USD😊👍
I'm a teacher and I have a good but let's say moderate income. I have PHI but I only have to pay roughly 250 Euros per month and with that, everything is covered. Private bedroom in a hospital, any doctor I want, lots of extra trestments. Even lots of alternative medicine. I think at least half of the actual costs of my PHI are covered (by law) by my employer if a understand it correctly.
Checkups are nothing out of the ordenary in germany. If you are in dire need, you will come first. That is normal. If meet somebody on the street, who has a headache. Too bad for him. If you meet somebody in the street, whose leg ist twisted sideway, that needs imidate attention. Normal. Times: If you have an appointment, usualy withing the academic 15min. Going to the doctor without an appointment, for me that averaged out at around a bit under an hour.
Wait times are very case dependent in German ERs - in my personal experience I got treated right away as an (awake and concious) ambulance delivery after bicycle accident and on another occasion 2 hours waiting time with nasty cuts and bruises after walking in there by myself. GPs are different in the way that for a regular check up in my case it's usually getting an appointment a few days away and still 15-60mins waiting times when you get there. Roughly 12% of my income goes into public health insurance covering almost everything bar dental treament that goes beyond the basics. The mayority of common medication is included in that if prescribed. It sounds harsh when you're young and single to have to pay into the system but it pretty fast becomes a blessing the more you age and as soon you get kids. The piece of mind it gives you through out a life time is a cruicial bonus that is often overlooked in healthcare discussions , imho.
The shi pays 100% for basic dental care, like check ups, a filling of a hole in your tooth, root treatment etc. if you want a fancier type of filling like ceramic or gold etc the patient pays the extra cost. Those 50% accord to tooth replacement for example and you can buy a cheap extra private insurance to cover up nearly the rest. The insurance would cost you around 20€
@@loners4life it is pretty good, a ceramic filling will cost you about 20-30€. An implanted fake tooth may cost you 1500€ which could be reduced by the private insurance I am more than happy to live in Germany and I don’t think the cost for our health insurance is to high. On other social challenges we still have work to like retirement payments and unemployment payments, but over all this is a great system
I live in Germany and had a tooth replacement done. I payed €300 because I wanted a nicer looking tooth replacement. This is the most I ever payed in our health system. All other procedures and medication each was less than €100 if not completely covered by insurance.
What we should remember is that there are different tiers of insurance that covers different things and in most cases, you still have to pay out of pocket as a percentage of the overall cost. So the number of people having insurance in the US doesn't really tell us anything unless the average American has really good insurance, and even then, I think they still have to pay out of pocket on medical bills. In pretty much every modern country, universal health care covers more or less everyone and more or less covers the majority of treatments, that changes the dynamics of how many people are covered in the US and by what degree they are covered, but in any case, it's a lot worse than the numbers shown in the video they are watching as a lot of Americans have basic or average health insurance, which basically means you're still out of pocket by a lot if you need help.
German here. The german healthcare is not the best in the world, but if you compare the us healthcare with systems in other countries, germany is an achievable system. We have big pharma companies in germany (like Bayer or Fresenius) and they try to influence every legislature. And germany does have a big pivate healthcare sector (which we should probably get rid off), so it is possible to move into a similar system in the us. The main steps are: Cover everyone, no copays, free choice of doctor / no more networks and government regulated max prices for monthly cost and cost of medicine. Which is possible, just look at Biden setting a price ceiling for insulin. The main thing is that you have to always compare your system to other systems. For example, the us ambulances and the medical treatment there is much better than in german ones. So you always try to improve your system. And lastly, on the job side, of you need unlimited sick days. Also sick days trump leave days. If you are getting sick on vacation, you get a doctor's note and you get your leave days back.
The change back from PHI to SHI is made very hard because we don't want young, healthy people to go on the private insurance to save money, then go back to the SHI when they actually need the coverage and cost explodes. "Privatizing profits and socializing cost" is a no go.
I am located in Düsseldorf, and honestly, wait times have not been an issue for me, ever. I've "used" the German SHI system extensively due to several different illnesses and it works really well.
However, I think, the video left out some important information.
The amount everyone in the SHI pays is 15% of the salary. However, this is split between employer and employee. So I pay 7,5% of my salary every month for health insurance. If I get ill, my employer has to continue paying 100% of my salary for 6 weeks. (Side note: it is illegal for employers to fire me due to illness so he has to keep my position open for me until I return). If I am ill longer than 6 weeks, the SHI steps in and takes over 80% of my salary for a duration 78 weeks. If I am ill even longer than that, the government steps in and I receive "Arbeitslosengeld" (unemployment benefit) for another 72 weeks. After that I at least receive "Grundsicherung" (subsistence income) and my health insurance is also covered by the government.
So, in summary, our safety net is pretty tight. And for me, THAT means freedom - instead of worrying about healthcare costs and having to figure out complicated insurance policies as in the US.
"the SHI steps in and takes over 80% of my salary for a duration 78 weeks" => It is 70% of your gross income, but not more than 90% of you net income. And there is a income threshold of 4.987,50 € (gross income). If you earn more, you practically get less than 70%. And the 6 weeks where the employer pays are included in the 78 weeks. The 78 week limit is for a range of 3 years. But those 78 weeks are tied to the same illness. So if you are missing long time for 2 different reasons this could add up to more than 78 weeks. The same goes for the 6 weeks where you get your full salary from the employer.
@@DontPanick Sozialversicherungsfachangestellter?
Also ich musste 2 1/2 Monate auf nen Termin zum Neurologen und auch Schulterspezialisten in Bremen warten. Manche Hausaerzte wollen einen hier nicht mal mehr als Patient aufnehmen weil alles schon zu überfüllt ist, da ist wohl die Massenimmigration schuld und das wird sicherlich noch schlimmer werden (es gibt nunmal nicht unendlich Platz).
@@meluzinaskolastika746 No you can't. Atleast in generel. There are specific laws for it. For example if you are and use your "free time" for stuff thats not helping you to get healthy again. For example being on sick leave for a cold and then giong to a pub in the evening.
@@Darrkuable you are wrong, please google it. it is amyth that you can not be fired when sick. it is pretty common and legal. btw what you are describing is something different - it is abusing of sick leave
This is not the german system, is the normal system almost everywhere.
usually it takes an hour at a family doctor. if you have to see some specialist weeks to month. ER can be also one to two hours
I come from Germany and when it comes to waiting times, it depends on which doctor I have to go to and where I live. i live in cologne (1 million inhabitants) and if i have to see my family doctor and it's not an emergency, i have an appointment in 2 days (with my app). If the pain is severe, I can also go to the family doctor for the emergency consultation the same or next day. If it's really bad, because of an accident etc., I'll call the ambulance and they'll take me to the hospital, to the emergency room, no matter what time. Getting an appointment with a specialist is different and depends on the specialty. At the dentist, if it's a routine check-up, 2-3 days. ENT doctor a week. With other specialists it can also take one to three months.I've never had to worry that I can't afford my health. Example last year: I cut my hand deeply while cooking, then I wrapped my hand in a kitchen towel and to stop the bleeding and called the ambulance cost me €10. Even if you are unemployed or receiving social assistance, you have health insurance, the statutory health insurance company makes no difference to how much money you have. If you are unemployed and you cannot afford the dental treatment, you can submit an application that the statutory health insurance company that you are with will cover all the costs. With many statutory health insurance companies, check-ups are included or there is a small co-payment. Preventive check-ups often depend on how old you are and how often you can do them. For example, with my statutory health insurance, I get €65 a year for teeth cleaning at the dentist, I have to pay the rest myself. At my dentist the tooth cleaning costs 110€. Other check-ups such as e.g. I pay nothing for the examination of colon cancer and can have it repeated at certain intervals. Statutory health insurance companies have bonus programs with which they advertise themselves. So you can find out for yourself which suits you better. Example: for two prevention courses a year, my statutory health insurance pays €75 for one course. Courses are e.g. Autogenic training, yoga, tai chi and qigong, back training, etc. Nutrition courses for children here, the statutory health insurance company that I am with pays 100% a maximum of €250 for the course. I wrote it with google translator, I hope it is understandable.
as a german i had eye surgery in december and i waited like 5 hours to get(had food in the morning and had to wait) it i basically went to my doctor in the morning and they sent me to a hospital because it was urgent. i waited like 1 week for the appointment but they told me i should have told them its urgent because i had symptoms and i would have gotten an appointment latest next day. the only time you have to wait for your appointment is if its not urgent. you can wait a few weeks for things like skin check ups or something but if you feel like its urgent you prob get one in a few days.
I had called an eye clinic 10 km away in the morning because of suspected cataracts, and got an appointment 3 weeks later. A 1/2 hour later, she called back because she had a bad feeling, and said I should come at noon.
But I was not an emergency, with tests and 2 laser op's where I got 2 artificial lenses put in, after 6 weeks everything was done. 10€ for eye drops and ointment. That was it.
Sorry, but the wait problem is not really existing here in germany. You only wait for apointments for specialists like ophthalmologists.
And ... If something is urgent they always find a way to squeeze you in. Means you may have to wait for hours, but never for weeks or even Months.
Greetings from Germany 😉
30 million people in the US not being insured at all is horrible. But you have to keep in mind, that there is another very large number of people, who are under insured in addition to that as well.
Forty-three percent of working-age adults were inadequately insured in 2022, that is including the uninsured.
@@ja_ma 43% ?! Holy ... I don't even want to think about that. This is too painful to even immagine.
@@dnocturn84 Yeah, that's the number I found, but I wonder how many know they are under insured and how many did choose it.
Private health insurance companies in Germany are usually picked by their customers, because they are cheaper than the public system for young and healthy customers, especially at this higher income level. So you earn a lot and get a chance to save more of your income that way, while you would be stuck at the highest fee with SHI. But yes, they do offer some premium services as well. It gets expensive the older you get or when you develop some chronical conditions over time.
A good waiting time is around 15-30 minutes, middle long an hour and really long I would say around 2-3 hours. Anything over that time, you've probably been forgotten.
I'm from Germany - and if I want to, I see a doctor the same day. If it's urgent, you have maybe some waiting hours in the ER. And maybe some weeks for specialists, if it is not urgent. So - I really love our system. You don't have to worry and you can focus on recovery instead of making worries about the costs...
Yes we do get checkups in other countries , MUCH MORE frequently than you probably do, since for Universal healthcare, it is more cost effective to spend a little amount on checkups to detect health problems before they get big enough to require big interventions. So it is recomended to get 1 or 2 checkups a year. Specially after turning 40
As for the wait times it varies , they are usually longer for big cities and much faster for towns and villages. Here in spain you can be waiting for 2 or 3 hours in the ER for a non critical emergency in a big city, And it can take you weeks to get an appointment with an especialist. If not, you can always pay more to get private insurance and avoid wait times, private insurance is very cheap here, it costs us (for a family of 4) around 1500euros for the whole year, so around 140$ a month for the 4 of us
Each system has its advantages and disadvantages. What annoys many "Kassenpatienten" (SHI) here in Germany is that privately insured (PHI) get an appointment with specialists much earlier (often within a few days or 3 weeks); as an SGI, you can sometimes wait 6 months for a specialist appointment.
I'm from Germany. I once had to wait over 3 months for an appointment with a neurologist. You can always get an appointment with a regular family doctor.
My experience is that I never had to wait for any doctor. Maybe it´s because I live in a bigger city (Hamburg) and there are a lot more doctors than in the countryside. What I like most with SHI is that the charges are split in half with your employer. In the moment it is about 16% of my salary up to a limit of about €60k p.y. >> about €5k per month. 16% of the €5k is €800 and the half of it (€400) is my monthly cost of healthcare. If you earn more than the €60k p.y. you don´t have to pay more, because this is the maximum limit of what they can charge you. This limit (called "Beitragsbemessungsgrenze") will be increased by the government every year according to the average rise of salaries.
With this €400 per month my wife and children are covered either, as long as they don´t earn money themselves.
The healthcare isn´t linked with your job or the company you work for. If you lose your job you get money from the unemployment insurance and they pay the former company´s part.
Just about EVERY country has worked out health for all… it’s just your country is more worried about profit rather than its people, very sad. In Australia, pay a little extra tax and your covered, not hard to fix!… we have our issues right now with being able to staff hospitals so there are delays but just about all countries are having similar problems, the Gov. here are about to spend a heap of money too. (they need too) I’d be happy to pay a little more tax if I know I and all my friends can get fixed when they need it… I also have private insurance (Top of the line) $240AUD/per mth which allows me to select ANY Dr I want and I dont have to wait in any queues…but Hey… if you need a hospital bed you’ll generally get one anyway. 99.9% of the time anyway… I was diagnosed with a bad heart a few years back, 3 days later (not using my private insurance) I had a quadruple heart bypass, 5 days in ICT, 5 in a normal bed… cost = $0…
FYI: imprtant thing is, the maximum around 840€ (it changes over the years depending on yearly average income) is split 50/50 with your employer ... meaning: unless you have private insurance, by law your employer has to pay half of your health insurance. So the maximum you have to pay is only half of that!
As of 2023 the maximum rate in health insurance is reached if you make 4987€/Month at an amount of 385-413€ / month (it differs a bit between the different insurances) and the employer has to pay 385€.
That is the maximum.
We in The Netherlands used to have the German system, but now we have a public private partnership in the healthcare sector. The private part are the insurance companies and the self-employed healthcare workers, like GPs, physiotherapists, dentists etc. The public part are the health institutions, like hospitals and clinics. The hospitals aren’t allowed to make a profit. We have a mandatory basic health insurance, which costs about €120/month and a deductible (called Eigen Risico, or literally own risk) of €385/year. You can raise the amount to €885/year and have a lower premium (I did). I also hav an additional health insurance (€13/month) and a dental insurance (€12/month), both are not not mandatory. Dental care for kids is covered by the basic health insurance. You can choose between 3 different packages for the mandatory basic health insurance. 1. Budget polis; the cheapest and the conditions are that you can only go to the healthcare providers that have a contract with the insurance company. That could mean that you have to travel to the other side of the country for a specific surgery. Sometimes these hospitals have, what we call, conveyer belt surgery, to have lower prices, they just do one kind of operation f.e. knee surgery. 2. Natura polis; the luxury variant of the Budget polis. The insurance company has more than one contract with healthcare providers, so travel times won’t be that long. You still need to go to the healthcare providers they have a contract with. 3. Restitutie polis; you can go to almost any healthcare provider you want and your insurance company will pay the bill, or with smaller amounts you pay the bill and your insurance company reimburses you. For expensive surgery, treatments or medication, you often do need permission upfront from your insurance company to go to the healthcare provider you chose, otherwise they will only reimburse you the standard amount they pay for similar contracts and the surplus amount needs to be paid by you. To prevent you from having these nasty surprises, you ask their permission upfront. This system has dampened the healthcare costs in our country, but the best thing of this system is that the GP is the gatekeeper of the whole system. You first go to your GP, it is not allowed to go to a specialist or hospital without seeing your GP first (he gives you a referral), unless you’re brought by an ambulance to the ER. After office hours of your GP (evening, night, weekend, holidays) you go to the Huisartsenpost (GP center), often next to the ER. Waiting times can be very long at these facilities, because many people go there without a n appointment. You’ll have to call first, so the triage nurse can decide if it is necessary to come to the GP Center or that you can wait till your GP office opens again. There is a plan to start giving fines to people for showing up without an appointment at the off-hours GP Center or the ER. These people are clogging up the system and are the cause of the waiting times.
Regarding waiting times in Germany: There are of course no waiting times for emergencies. When you go to your general practitioner, it depends on how busy they are that day. It can be that you are treated directly without waiting time, but it can also be that you have to wait 2 hours. But you will always get a same day appointment if you call in the morning. Waiting times come into play when you need an appointment with a specialist and it is not an emergency. I think the longest waiting times are currently with psychotherapists where you have to wait months for a place because there are just not enough of them. Whereby that also depends on whether you live in a larger city, where there are many, or in a rural area.
There are also parties in Germany that want to abolish the private part and change to a uniform insurance for all.
@@koschmx Of course, I have experience with it. There is no waiting time. And sending someone away in an emergency situation would simply be illegal and have legal consequences. Even for citizens who are not medical professionals, not giving emergency help is a criminal offense. I don't believe you have ever been to Germany and are just making shit up.
@@koschmx Why do you go to a hospital? This is not the usual way in Germany. The first port of call is always the general practitioner. He will then transfer you, if necessary, to the appropriate specialists.
Foreigners often have difficulties finding their way through the system when they are new. And of course in individual cases something can go wrong. But this is not representative for the system as such. And what you describe has nothing to do with waiting times.
@@koschmx None of what you describe was an emergency. If you show up at the hospital unannounced with stomach pain, of course they will send you away. That's not an emergency and you need to go to your primary care doctor with that. And, that it is possible that you may well have to wait a few hours if it is not an emergency and there is a lot going on, I wrote in my first comment. I don't know of any system where this can be completely prevented.
@@koschmx According to DIN 13050: Patient who, as a result of illness, injury, or other cause, is in immediate or anticipated danger to life requiring emergency care and/or monitoring and appropriate transport to further diagnostic facilities or medical treatment.
DIN Norms are not a law.
What exists in Germany as well as other countries in Europe is the option to by supplemental private insurance that adds some of extra things private insurers offer.
I’m in the german SHI. Did my checkup turning 50: doctor visit, blood check, RTG, Tomography, Gastroscopy, EKG, Heart Echo, and what have you what. All done within 2 weeks. Costs: exactly 0,00 Euros.
I don't understand why English-speakers are so freaked out by compound words. Even when they are relatively short. That one merely meant "Health Insurance Act". It was literally the exact same words only written together. If you understood the language you'd instinctively separate the individual words.
People come up with all kinds of silly long words for fun, but they aren't that common in everyday life. Overly long ones are mostly encountered in technical and legal texts where an absolutely unambiguous meaning is more important.
Germany has the *second* lowest wait times in the world.
The percentage of cases with a wait time longer than 1 day is:
12% in Switzerland
13% in Germany and the Netherlands
…
…
28% in the USA
I am from Germany. Wait times are only if you want to see a speciatlist And you want a appointment that is not urgent. For example for an eye doctor or skin doctor you need to schedule like month in advance. But if I feel sick in the morning and need to see my general physician I normally get an appointment on the same day, but sometimes you need to wait for a while if they are really busy.
My friend - ER specialist with 20y experience said one time when I complain that I have to wait 2 hours on ER "You should be happy, If you are first it means you are dying"
In Poland with much worst helhcare than Germany I can get to doctor in the same day (sick for example a flu), i 2-3 days when I need another kind of help. Specialists its depends. How mobile you are and what kind of doctor you need. It can be days or months :/
It is not so bad when you have a flu, very fast when it is emergency and bad between both.
But in my opinion it is going better, for example there are web pages to check avibility of specialists or diagnostic.
To be fair you can make an ecuz card (or in English EHIC, or European Health Insurance Card) and get all services in every EU or EFTA country. It great for travelers
Same here in Finland, atopical rash or "slight pain in the knee when i squat" will take months to get treated, aggressive cancer or acute heart problems are treated immediately. I had some heart worries , and it took less than month to get a diagnose, heart itself was ruled out it within a week. Turned out heart was about perfect..long story but i had hiatal hernia and inflammation of the esophagus and upper stomach, ulcer risk that irritated vagus nerve that triggered a panic attack. Complicated reason and i even had the doctor change between.. The immediacy could be a sign that it is more serious, if the schedule is relaxed.. you can relax.
@@squidcaps4308 I think it is pretty much the same around the EU sure the details are a bit different but the outcome is more or less the same everybody is covered everywhere and no one needs to go broke in case of an emergency . Om top of that reaction times in citys is fast and in rural areas slower and you get the help that you need in most cases.
A normal wait time is about half an hour in Germany I guess. It can be up to 2 or 3 hours. But I also had a doctor with whom I had to wait a maximum of 15 minutes because she had an exemplary organized practice. I have now spoken of the family doctor or the dentist. If you want to consult a specialist, you can wait days, weeks or months, depending on what kind of expert he is. I think that beyond that, however, it is ensured that those who need help the most are also more likely to get their turn.
If you're sick and need doctors notice for your sick leave its usually a same day appointment. For specialists it might be between 2-4 weeks, depending on your area (rural areas have less specialists around, so you might have to wait). But even there, if it's urgent, you'll get an appointment on the same/next day.
Wait times, check ups and urgency - an example:
In Germany, under SHI, you're eligible for a full-body dermal screening every other year once you've turned 35, for skin cancer prevention.
Now, if I call my dermatologist to get that screening, I'll get an appointment anywhere from 3 to 8 weeks in the future. Those are the long wait times Germans tend to complain about, especially when comparing SHI and PHI: Routine or optional, non-urgent appointments with specialist doctors, and yes, we're usually talking weeks, here.
Thus far, she has only found stuff during check ups that might, at some point in the future, develop into cancer. Stuff where a removal is suggested, maybe even recommended, but not necessarily required. If I go to the clinic that will handle the removal, with that diagnosis, I'll wait another 3 to 8 weeks for an appointment for removal. It's still non-urgent.
I have every trust in the world that if she found something that needed removal, I'd be rid of it the same day, probably within three hours, and no later than the next day. (And we're talking skin cancer, here, not having a limb cut off or profusely bleeding.)
Likewise, if I find a spot that might be something bad at some other point, I can go to my dermatologist without an appointment and probably will have to wait an hour or two to be seen, depending on how busy it is.
On the upside, with those long-term scheduled appointments - I don't think I've ever been called by my doctors to reschedule an appointment (well, not negatively, anyhow), and the wait times on the appointment date are usually 10 to 15 minutes.
I learned a big thing about ambulances from my dad. If it is an emergency like a car accident or something like that you don’t have to pay a fee (around 10€). If it’s not an emergency you have to pay for it. My mum had to pay for it when she gave birth to my sister because it wasn’t a real emergency
As a german.
Urgent care, as in I am currently sick and need help from my primary care provider or the emergency room is a matter of between 30 min and a few hours ( assuming my illness / injury allows for the wait time ) depending on different factors.
Wait time becomes a problem for non accute problems. Long term injuries or the like. Getting an appointment to a specialist can be a few weeks
You can get more than 50% on dental, but some of the procedures payments require you to proof, that you regularly (once a year) had a checkup at a dentist. This quasi mandatory yearly checkup system means, that the dental situation of most people is pretty good, as issues are detected early on.
So it depends for the waiting time. If you go to your primary care doctor without an appointment, you might wait an hour to 3-4 hours. Depending on how busy they are. If you go to the ER for a non urgent thing, you wait, depending on how busy the ER is it can range from 1 hour up to 8 hours. If you come in with some pain in your toe, you wait the longest, if you come by ambulance, you get admitted right away with no time wasted. If you come throught the door with a complaint that could be urgent "neurological, heart, etc etc" you will most likely get priorized right away to the top of the queue
With public health insurance:
At the family doctor/general practitioner, we have no waiting time at all for an appointment. At the doctor's office, the waiting time varies between 10 minutes and 1 hour with my doctor.
With a specialist, it looks different with the appointments. There it can take 2-6 weeks until you get an appointment unless it is an emergency and you get the receptionist convinced that it is one ; )
Of course, we have in hospitals an emergency department that are currently unfortunately very overworked due to lack of doctors. Had a cut that needed stitching (it was Friday night) Was at 7:45PM in the emergency room and was only stitched at 2.30AM. (but was also very busy and my cut was not so bad).
Greetings form Munich
In Norway you can still pay for private insurance and go to private clinics. But you still have to pay the tax that covers the public healthcare system.
It can take time to get an appointment with a specialist. With psychiatrists or psychotherapists it can take 6-9 months. With other specialists it can be a few weeks. With a family doctor, you can get an appointment at short notice, you can also go without an appointment and usually you are not sent home, but you have to put up with a little longer waiting time in the waiting room.
Waiting time at doctors, if you have an appointment, is very different. In my experience, you have to wait an average of 1 hour. Often it takes only a few minutes, sometimes 2 hours.
What has not been mentioned here about our health insurance system, are wage replacement payments, if one is ill in the long term and cannot work. Unfortunately, I have been on sick leave for 10 months and cannot work. The health insurance company pays me 70% of my wages, for a maximum of 72 weeks, almost 1.5 years. If one is healthy again in the period and works again, the employer pays the normal wage, if one is not healthy, there are other state wage replacement payments or a disability pension. I start working again in May. In the U.S. I would have been fired long ago, I guess, but in Germany it is not so easy for the employer. There are very high hurdles.
I still prefer Norways system. Everything with the hospital is free, and the max deductible for doctor visits are capped at 220eur/year, about 20eur per visit. If you take a medicine regularly (like for asthma, for anxiety etc) most of the cost is covered by the state (I pay about 3eur per month for my medication). Germany's system is to privatized for my liking. Though I know no one goes without healthcare, you still shouldn't be having to pay 800+eur in any case. Just my 2 cents.
Germany: In the hospital you have to pay 10€ per day, but this is limited for longer stays at 28 days / 280 Euros and per year. So it isn't THAT bad. There are no deductibles for doctor visits at all. You have to pay co-pays for medicine, between 5-10 Euros, which again is capped at a certain level. And people with lower income won't have to pay them at all.
800 Euros is the highest possible fee, at $59.000 basically. And you only pay 400 Euros of that, the other half has to be paid by your employer. So it really only is 400 Euro for you. It will be cheaper for you than this, when you opt-out and go to private healthcare for salaries above $60.000, when you're young and healthy.
Doctor visits are free in Germany. We pay 10€ for calling the ambulance and 10€ for a night at a hospital but not more than 280€ per year. My copay for medication is 5€ per prescription but my pills last 4 months.
I think the more you earn the more you're able to pay into the system - and it is capped anyways. Don't Norwegian people who have a high income pay more taxes?
I'm from Germany and I'm self employed but a stayed in the public system because it is more affordable if you become older and its more flexible and better adapted to your income.
My experience it over all very good. All necessary treatment is covered. Only for better dental treatment I have a additional private insurance.
The wating time in my experience is not too long. But this depends from the region or city.
Interesting!
The wait time really depends on where you live and on the kind of procedure.
At my local doctor's office where I grew up (around 10k citizens and like 2 general physicians in the area) with an appointment and w/o I never had to wait for more than an hour max. Usually it was around 20-30min.
In bigger cities (like 1+ Mio) it was roughly the same for me but of course you have more variety and more specialized doctors there. I had to go to an internal specialist there once and had my appointment scheduled for in about a week. But my case was also kind of urgent so idk if I got lucky there.
For prescription medicine you pay 10% of the medicine's cost yourself out of pocket, but at least 5 Euro and at the highest 10 Euro. For example a drug I have to get monthly costs roughly 50 Euros but I pay 5 for it. If it were to cost 400 Euros it would still only cost me 10 Euros per month.
At the doctor's office they generally sort arrivals after appointment time, then time of arrival for those w/o and then most important *urgency*. If you stumble in with a bleeding leg they won't make you wait lol.
I'd say the biggest problem we have is doctors being closed on sundays (and sometimes saturdays?) and ppl going to the ER on those days with only minor injuries (and some ppl just go there generally, believe it or not).
Bc you don't really have to pay for it some ppl seem to think it is okay to show up at the ER on a sunday if their kid has a cold, believe it or not.
But most ppl that criticise the system are in my opinion just very privileged and already see a 40min waiting time as a "waiting time issue", but that's just my impression.
TLDR; If I had to guess average wait time is about 30-40min for general procedures even w/o an appointment. But for specialized procedures it may take a while to get an appointment I guess.
It depends, some times was called right away, sometimes you wait for 15 minutes, sometimes for 30 and rarely for 1 hour. But you can also go to doctors with an appointment or they tell you when you should be back and you just go out and visit or buy some things during the waiting time.
There is no waiting time if you have an emergency. The public health insurance also pays for the ambulance or helicopter airlift if requested.
If you need a taxi to visit a doctor it is also covered by the insurance.
Waiting time is sometimes an issue in some areas if you want to see an specialist directly. If the appointment with the specialist is made through your general practitioner, it is usually quicker.
Another great upload from both of you. Thanks for sharing
25:52 In Slovakia we have one state insurance company, it's the biggest one, and two private ones. You pay the same amount of money if you have any of them, because our health insurance amount depends on your salary (14% of your monthly pay). They stay competitive by offering their clients benefits, like:
- they pay for some examinations that they are not required by the law, mostly of preventive nature;
- they pay for your dentist expenses (e.g. one of them pays you 5 x 30€ dentist expenses in a year and that is enough, you usually don't even need more - I have always paid for a filling, an extraction or a root canal between 15 - 25€);
- if you have to co-pay for some prescription drugs, they will pay it for you or reimburse it later;
- they give you discounts or co-pay for things like new glasses, some necessary things (or food) for diabetics, vaccines, tests (like covid), a medical stay for a few weeks in a spa, benefits for blood donors and a lot more.
We also have a right by law (and are supposed) to have a preventive examination by our general doctor once in two years, a dentist once a year (mandatory, or they will not pay for you in the next year) and a gynecologist once a year /urologist for men after 40. It saves money of the insurance companies, because early diagnosis can save them from paying you expensive treatments or treating a chronic illness later.
The waiting time depends. A general doctor - you just go there whenever you need, no appointment needed. Specialists - it varies from immediate visit (surgeon, gynecologist etc, or if it's an emergency), to one week, a few weeks or months, if it's not an emmergency. Well, we have a shortage of doctors. Lot of work, lot of burocracy and not even payed well.
I remember a video about a guy being stuck in a snow storm in the US occupying a school for the drivers stuck in the storm.
I also remember a snow storm in my region where citizens went to the Autbahn with hot tea and coffee, fuel and blankets to help the drivers.
Accordingly, in the US, if you're stuck, help yourself. In Europe, people help each other.
Go, figure.
Solidarität - solidarity, that the magic word, we have that, the US doesn't even get the concept
@@lilithiaabendstern6303 They do have it, but they don't recongnize it. The local communities act like almost socialist entities. Neighbours are collecting for others hospital bills, people unite to fight big companies. Flint/Michigan and right now East Palestine/Ohio are the best examples. But as soon as it hits the national level it's all "socialism" - because the media and the right wing politics say so.
Education, education, education, education.
We're missing out on this in Germany more and more, too. Because people are complaining about not being able to get the latest iPhone......
In Germany you have to pay 14 percent of your gross income but not more than 700 Euros per month (if you earn more than 4800 Euros). If only one parent earns money, that is the price for the whole family with all children. If both parents are employed, both have to pay 14 percent. In case of longer sickness, the health insurrance will pay your income for several years.
It is beautifull everywhere in the world, but if I would be sick, I would like to be at home.
Actually the coverage is up to a 100% for relevant dental procedures. You just get the cheapest possible version. Like if you need a replacement of some teeth, they will pay you the cheap version, made of metal. You still get a certain coverage, if you choose a more advanced replacement.
With one parent in the public system and the private system, children can be covered by the public system (for free). That was the case for me, my mother was in the public system and I was covered through that (for no extra cost), all while my father was insured privately.
And you practically can't go back to public once you went private, so doing so is generally considered a bad idea. Except, of course, by young, healthy people not considering the future when looking at the "young&healthy" tariffs.
as far as i know there is a restriction. this only applies if the partner with statutory health insurance has more income than the partner with private health insurance. Otherwise, the children must also be privately insured. Just wanted to make sure that no one misunderstands. It is not always possible to continue to insure the children in the public system.
@@chiefbot2 This might have changed over time. In my case, decades ago, I was insured via my mother who did earn less than my father.
@@aphextwin5712 Don't misunderstand, I'm sure you're right and that it was certainly different in the past. Since almost every year so much is changed, the income limit, for example, is also constantly increased year for year.
Checkups normally only happen when you turn 40/50/65/80. Otherwise you don't go on checkups.
What wasn’t maybe explained as clearly is that in the public system, you pay a percentage of your wage, but this capped to that roughly $800 per month. With this, higher earners obviously pay much more and low earners much less. As a result the average revenue per insured person of the public insurance agency is much lower, say maybe only $300 per month.
This is where the private insurers come in; they can in principle offer the same coverage as the public agencies by charging the same $300 per month or offer better services for that $800 per month that top earners would pay in the public system. By choosing the private option (which again you only can do if you earn more than $60’000 per year), you no longer contribute to subsidising the coverage of low income people (at least not directly). As a penalty, you are not allowed back into the public system if at some later point that would be cheaper for you.
I wonder what makes it so expensive though. We have a pretty similar system here in the Netherlands, but insurance varies somewhere between 120 to 160 euro per month regardless of income. Depending on income the government may cover part or all of that. The big difference is that we only have a sort-of-public system (i.e. private but regulated non-profit organisations), but that doesn't really explain the difference in cost.
Waiting times differ a lot on case, ER goes in order of urgency, nothing else. That kinda goes for all doctors, like urgent care is same day or maybe the day after if it's not *that* urgent. But to get an appointment for non-urgent specialists can indeed take quite a while, especially for Psychotherapists. Still, for most things you can still get an appointment within 2 weeks.
If I go to my regular doctor without an appointment, I have to wait around 1,5 hours. For special doctors, like a gynecologist, I have to make an appointment long in advance, waiting time is around 4 months.
But if I have an urgent issue, I call the doctor (including the specialist) and can come in during the day. They tell me "cone around 11" and I wait around half an hour.
I only wait longer if I don't call beforehand and ask when it's convenient for them.
As for dental: anything necessary, like a root canal, is covered. It's just extra things that cost: like not the standard filling, but the nicer one. Not the standard cleaning, but the more in-depth one. Everything that is necessary, that is covered.
Also: once I had a problem and I didn't feel well treated by the doctor. So I went to another one to get a second opinion. And then a third one, because it was a big issue. And I haven't had to pay for that.
As for costs: at 60.000 EUR, the cost for health insurance is around 800 EUR. But the employer pays half of that. So it's 400 per month and everything covered
what I keep saying about US health service. It doing what it meant to do and that make money. Not what it was design for and the health service. yet most other countries it's there for health first then cost is second.
Waiting times depends much on the area where you live.
In areas where you have universities with medizin around you will likely have more doctors, also in bigger cities and more well off areas.
And there are arewas where you have to wait weeks or months to see a specialists.
Like end of 2021 I knew a guy who needed a check up for his heart. He had really issues with that, very high blood pressure, over weigt.
He got an appointment for in 3 months later in 2022.
Some family physicians will give you the advise to look when a specialist like an eye doctor is on duity in the ER and go to the ER because you have problems with it right now.
Friend of mine waited 6 hours in the ER with a splinter he could not get out by himself.
Longest I waited was also about 6 hours.
Grandfather had an appointment with the cariologist at 10 or 11 am and we could leave in the afternoon about 4 pm.
Health service used to be better in Germany.
If you go to your "general" doctor you might only wait like 30-60 minutes usually maybe less or more. If you need a special doctor for CT Scan or other very specific medical professions (as psycho therapy or oncologist) you might need to wait weeks, months up to half a year. A dentist for example you might wait a few hours if it is urgent and you have no appointment. So lets say "Standard" doctors do not have long waiting times usually. If you go to a hospital it might depend how urgent it is of course. But sometimes you wait hours there.
Main thing is you can not lose coverage, it is just not realistically possible not in SHI, not in PHI. You never owe the doctor/hospital, you only ever owe the insurance, they can not cick you out, even if you never pay, they can "only" sue you for the monthly fees. If you never even register with an insurance you are automatically insured by your parents one where you were as a child, and if you ever lose the financial ability to pay, its paid by the state.
You can always go to a doctor and get treated without having to pay the doc - the most you can screw up is owing the insurance for the months you haven't paid. If you go bankrupt, even PHI has to put you on a special plan thats effectively like SHI - or if you end up on social assistance with PHI the state has to pay their monthly fees.
Essentially Germany has the problem of not being able to pay isolated from the problem of not receiving care.
Wait times here I Germany really vary. If you don't have to worry about costs there is really no hesitation for people to visit their doctor because they woke up with a mild headache in the morning. And with regulated price tags, the job of a doctor isn't as well paid as you'd expect it. So the number of practises is going down. This can lead to full waiting rooms, especially in the populated areas.
I personally have experienced both extremes where I had to ring up 5 different doctors in my area before one even accepted my mother in law as a new patient and then when my dad got sick and I had to beg that stubborn old man to see a doctor he was sitting in the examination room 30 minutes after I ended that phone call for an appointment.
Switzerland is similar to Germany regarding health care.
Insurance is mandatory, highly regulated, and non profit.
Assuming a doctor who hasn't taken on too many patients: a few days for general practitioner, extreme would be 3 weeks. Specialists need one or two weeks, extreme would be a month. Overtaxed specialists (either few of them around, ie handsurgeons, or treating widespread deseases (depression or age related ones)) are one or two months up to a few months for first visits, less for repeated ones (and therapist obviously once a week). Once I had an appointment moved by the doctors office (and I was actually like "Oh, so that is a thing").
For emergency care with a general practitioner up to a few hours (normal would be around an hour) depending on how many appointments there are for things like "something fell on my foot, but I can walk with little problems" to some minutes for "My gastric tract just started spewing from both ends." If going to the hospital the wait times are either longer at the low severity end (many more people there than at a doctors) or much shorter when one is rushed right in (but then a comparison isn't sensible because I would go with that to my doctor anyway, that what the er is there for).
If you're young, the premiums of the PHI are quite cheaper then SHI premiums. Therefore for young people it is attractive to go into PHI. But the older you get the cheaper is SHI. Therefore the regulation, that you can't switch back to SHI if you're got into PHI. Because at a young age you should choose a tarif in your PHI company, which build up a stock, that your premiums don't get so high at age. But that reduces the advantages of low premiums at a young age... If you're in PHI you can also change to another company in PHI.
There is practicly no wait time to see your general practicioner (0-2 hours). For a check up at a specialist you have in SHI to wait 2 to 4 month. But if you have an acute problem you can go to most specialist and they try to fit you in, maybe you have to wait 2-4 hours, but most will take care of you. In the emergency room you have to wait a few hours (regarding to you emergency).
You pay 20 € privately a day for a hospital (includes food, meds, MRIs and all test and things) stay for the first 20 days in a year. Medication is not avail in pill bottles only blister packs and can be free for some common meds, 5€ for normal meds. (up to about 100 € in purchase price) and 10 € for more expensive drugs. I needed some special meds for about 1 year and the purchase price was 2100 € for 3 weeks. For this I had to pay 10 € each time.
Dental is part of health and is treated as such. One free clean a year, normally 2 chkups. Root canal, cavities and all that good stuff is also covered at no extra cost.
If i have a small issue, like a cold, here in germany i just go to my "Hausarzt" which is the standard doctor which i knew for my hole life. No Appointment is needed. But if it is something special my Hausarzt gives me an appointment by a specialist, this could be some days to some weeks.
It is correct. The cost for the health-care in germany is splitted. I pay 50% (420 E) (for example of this 840 €) and my employer paid 50% (also 420 €). And of course this ammount depends on your salary (Could be more or less because it will calculated percentually). Because it is in the interesst of my employer to keep you healthy as an experienced worker or specialist. And the costs of firing, get a replacement (for you) and also education to successfully replace you is mostly much higher (In longtime views)...
1:15 The death toll is almost 42,000 by now.
18:15 Yes. If one parent has PI and one has SHI they can choose who covers the children.
Acutally only people who are out of their minds (or very rich) ever leave SHI. A lot of people here in Germany think that the private health insurances should be shut down once and for all.
21:02 That depends on if it is an immediate problem or just a check-up. If you're doing fine and just want a checkup it can be anything from a few days to 2 or 3 months. If you have an immediate problem they have to treat you as soon as possible. From my personal experience and the experiences of friends and family I never heared of someone with a serious problem who had to wait longer than a maximum of two weeks tops, and even that is the exception. Personally, from my own experience, I never had to wait longer than 3 days when I had a real problem (talking about specialists here).
Wait times at my "normal" doctor...1-2 hours.
You want to know what is required to fix most of the US issues with health insurances? That's simple (well - in theory, not in practice): transform them all into non-profits.
I think the only people who leave SHI for reasons other than shortsightedness is state employees for life (Beamte) because they get some of teh expenses covered by taxes 8but, looking at my mom, that's still a pain in the behind to deal with if you get into truly expensive medication)
uni healthcare is not Red. It's, we ALL pay for the Basic (ER and other life threatening medical expenses) But also a broken finger. The general practitioner, the dentist and the dental hygienists twice a year. For €180 per month.
I pay €180 per month for medical expenses. That is with an additional package. For physiotherapy and dentist. 100% reimbursed. And have an excess of €375 per YEAR! September 22. A forklift truck ran over my foot and it was broken in 4 places. January 9, 23. Was the first day I started working 8 hours a day again. Everything is just paid. Also my wage 100%. And I even had a promotie. Because then they found out what I do in a day.
There are wait times for non urgent stuff, but people are impatient and like to complain about this.
I had two emergencies in the last five years.
First time fell on my shoulder and thought i dislocated my shoulder. It hurt, but i thought it wasn't that bad, so we didn't call the ambulance and my dad drove me to the hospital.
I didn't even have to sit down, they took me directly to the doctor and did X-ray, all the stuff. Result, i had a rupted AC-joint and needed two surgeries. The first was the next day to install the plate. The second one six weeks later to remove the plate again.
The other issue was almost a year ago. A had a immediate back pain and went to the family doctor. He said i should get a MRI. I went home and called the radiology at the next hospital. They said they had a appointment in 7 weeks. I called my family doctors office. They called me back 15min later and told me i had an appointment in 1h in a town a 20min drive away.
So yes, there are wait times, but when it's urgent, you get the fast lane.
Quality between hospitals or even stations in hospitals can vary a lot.
You can get a grade A surgery and total caos in the stuff surrounding the stay, even if you pay for private.
Nono Dental is covered for stuff that is necessary of if you are in pain. You get fillings out of concrete material or something. And you only get a bridge between tooths if a tooth is missing. But if you want ceramics or plastic fillings you have to pay to the dentist like 80€ each or something. If you need a titanium implant it in the 3.000€ region. And this is where the special insurance for dental stuff comes in. They pay part of the costs of this stuff and might even give you a teeth cleaning every year. And they want you to visit once a year to get more percentages covered. Its costs like 10-15€ a month so not that expensive.
Hey you both..I go in an ambulant rehab for ms for the next 3 weeks and the cost are 2089 euros. I probably get a 1-4week extension and I pay nothing..I already paid my deductable of 260 euros for the whole year so my insurance pays everything. I act. Lived in the us and I find it to be aweful what bills you face when not insured.
I love to pay 14.9% of my monthly income because I get everything I need.
My experience with waiting time in Germany in the last years: Normal practitioner no appointment necessary but a couple of hours in the Waiting room. Emergency room hospital with abdominal pain 3 hours. Acute but not urgent skin problem for a dermatologist 3 weeks. Pain in the hip region waiting time for MRI 1 month (ordered by my GP). Ophthalmologist 5 weeks (edit: checkup)
I'm living in southern Germany and I basically experience no waiting time. If I'm heading to a doctor or my dentist, I usually have just enough time to hang up my coat before I meet the doctor. I had some waiting time when I went to the hospital (because I wasn't an emergency).
In Europe, when something like this happens (Turkey/Syria Earthquakes) there is a sense of community. People band together, I know that several countries send people over to help search and support locally. Besides that, there are actions even on National level for monetary support, so rebuilding can take place, people who have nothing can get the things they need. I believe here in the Netherlands, the national donation thingymebob, got to 108 million Euro (roughly 115 mill USD).
As people pay tax, the govt has data on you. And you pay insurance by household, thus if 1 of the parents makes over a certain amount, the kids are not covered for free, as the household income reached the treshold of PHI. The crappier thing, and I can't answer you that, is if the parents divorce and the kids are under 18. Not sure which parent needs to cover the kids.
What hasn't been mentioned is the fact that teachers can choose between SHI and PHI as they are civil servants.
I being a teacher chose PHI whist my husband has SHI. We share the same GP and there is neither a difference in treatment nor in waiting times.
I have some "minor" advantages and some "disadvantages" being a private patient but all in all my husband has been treated well.
What divides us even more from the American system is free ambulance rides and pre- and post natal care. Btw I was astonished to get compliments for my teeth whilst visiting friends in the USA, lol !
I´m German and never in my life I have or had sorrows about a bill, because I need a surgery or need a special doc. So if you have a problem with you skin, you go to the skin doc, if you have problems or a check up with your teeths we are going to the dentist. If we women has a problem or we are going to our check up every year, we go to the the woman doc. We have docs for all you you can imagine. Our waitingtime is sometimes a hour long, depents if you have a date, or you have a problem, and you need directly a doc so you can wait 1,5 hours. The only sorrows we have is to stay healthy, not a bill if you will get really sick. Also the hospital is free for us. For all that we pay every month a bit of what we earn at work. People who aren´t working are also get the best heatlh care. Children are free till they go working or they arrive their 18 birthday.
Over 90% in the US have a health insurance, but does it cover up everything to 100% like in Germany? No!
I'll give you an idea: In Germany when you leave the hospital after a surgery, the taxi bringing you home is free! Covered by the state health insurance. (You just pay a 5 Euros insurance fee.)
Sometimes I feel like 20 years ago people in Europe (and USA probably too) had more ACTUAL choice than they have now - today it's overabundance of same stuff packed differently. You can pick from 50 brands of jeans, but all are of several same types, depending on what's trending atm. If you want for example simple, standard one, you have either nowhere to buy them, or have to overpay in that one shop that have them (if you even find that one shop). And this happens to every other categories and products. What's good of 50 health insurance choice, if none of them offer for example insulin refund? It's just illusion of choice.
There are no waiting times among general practitioners ... only with certain specialists, since they are simply less common. But in emergencies there are no waiting times ... hospitals always take up immediately ....
Health is our highest asset and affordable in Germany ...
I don't know anyone who had to take a loan for it ... at most for porcelain teeth :)))
Greetings from Wuppertal Germany
I live in Italy, the maximum I waited for an important visit was a week, nothing more, since I had thrombosis in my leg, I've never waited so long
Nobody in Germany even thinks about calling an ambulance e.g. Co-payments are capped at 15 Euros, but sometimes it's just free. The amount of money for SHI people mentioned was quite misleading. As someone else here wrote it's always a set amount in percentage of what you earn, currently about 7.5%. And one last remark: People are always covered, no matter it they become unemployed or a being pensioners with a tiny pension. The kind of 'service' is always the same.
Urgent care: no waite time and you will call the ambulance anyway, because its 10€ (as is a night at the hospital). Not urgent: depends. At my doctor I usually waite half an hour. At the eye doctor and the gynecologist one hour. Everybody can go to the doctor for free, so people do that and everybody wants the doctor to take time for their case, so it lasts.
Hey, because of a bad injury I just ran through all the german system. From doctor to Hospital, to multiple Operations, back to doc again and with many meds, even with my doc slightly cheating to get them easier/cheaper. I would like to offer myself to talk with you about it, saying how it actually was and to answer any questions.
Recommendation:
The Black Forest Family here on YT.
Concerning the dental procedures, if you are poor and cannot afford it, they pay in full. For example if you cannot work for some reason and your money comes from social security you qualify for 100% coverage.
By the way, root canals or fillings are necessary treatments, they alleviate imminent health problems (pain, loss of teeth etc) as such they are always fully covered. The stuff germans mean when they say half is covered is dental crowns, dentures or other replacements and reconstruction.
This is generally a rule of thumb, if it is painful or it gets worse without timely treatment it is always covered 100% in germany. This even extends to certain check-ups for cancer prevention and things like that.
Wait times, they can be substantial depending on what you get. Popping in to get a sick note without appoinment probably puts your whole morning to waste and you wait for 2-4 hours. ER can also take longer (except you are in real danger), i have waited a few hours with a broken arm, waiting for xrays and then for the plaster cast to be administered. In case you have an appointment the waiting times is rarely longer then an hour. Specialists vary again, radiologist are very punctual for example (assistants do the actual work) while an orthopedist might take a while because each patient requires an unforeseeable amount of time with the doctor.
Never had any wait time issues here in Scotland. similar system. I get same day appointments if i phone up and inquire before 8.00am. The longest I've waited in A&E was 40 mins... And at 50 plus years old have never gone private because we dont have to. It's optional. Also our prescriptions/medication is free. of course we pay for it as a nation in tax but i am more than happy to know im contributing to my peoples health and welfare..... No problem...
That’s very good to know!! Thanks for the comment 👍🏻
In the Netherlands. Are they also private insurance company. And there are also 3 options. Basic, and then the choice of the insurance company, or freely choose which doctor or hospital you want. My wife and I have the free choice. Basis is € 110, - and I pay € 180, - and my wife pays € 154, - per month. I have my physiotherapist, in my package. 36 treatment per year. #The Netherlands
Why german has so long words: it is easy to explain, just imagine that there is this thing called redopenrooffourwheelcarwaxsponge. It is a specific thing, in this case it is a sponge used to wax red, open roof, four wheel cars. It can't be used in any other purpose, it is its own thing. So you combine all the words needed to specify it and write them together. Finnish has the same logic, kuusipuuleikkuukone would be sprucetreecuttingmachine, a machine that is made to cut down spruce trees. Of course neither examples are real things that exists, but that is the logic: if it is specific thing that requires multiple words to define it, you take all the words and mush them together. Germany beats us barely when it comes to length but they beat us squarely how often very, very long combined words are used. Here we try to avoid combining more than 3 words. Something like 'valtionvarainministeriö' is already a monster of a word (states finance ministers office), 'suihkukoneapumekaanikko' is almost comprehensible when read quickly (assistant mechanic for maintaining jet engines).
Well , waiting Time for Emergency = basically none , if the next Hospital is not aviable because there is another Emergency than they may fly you to another Hospital that may be specialised for that Emergency , eg specialised on Heart diseases if you had an heart attack / heart stroke . For Emergencys its usual to call an ambulance , sometimes they send an Helicopter instead depending on which will be faster . If its urgent and your GP attest it , you dont wait in the Line , they will squezze you in , usually if it has something to do with cancer for example or other illness when diagnosed as early as possible , it can save your life . For a usual checkup at a specialised Doctor it can take weeks or 1-2 month . Besides , basic Dental work is completly free = filling up holes , remove bad teeth , mainentance the Teeth , only artificial teeth are subject to only 50 % coverage . A visit to your GP is often under a week , if its urgent , the same day but with waiting Time of 2-3 hours , again , emergencys = no waiting Time
It works fine , personally i had a swelling behind my ear and the ent ( ear , nose throat ) Doctor said it may be Cancer but he cant decide it and send me to a screening Center , 3 Days later i was at the Center and got my MRI without an clear result . They send me to Hospital , and 3 Days later i was in Hospital where they made a small surgery to check if its Cancer or not , luckily it was not , i got antibiotics intravenously for one week and left the Hospital , Problem solved . I payed 10 Euro for each day in Hospital = 70 Euro everything else was covered
In the USA, people do health busyness.
In Europe, people get health service.
Example in France, a homless person is 100% covered ("CMU") and for me it's normal to pay taxes for everyone who it is tomorrow it could be me? No many french people are not happy because life is getting harder and harder. Americans have a moral steel, you are a brave to support these injustices in a country so rich. France 67 million usa 330 million, this may explain it???sorry for my english i'm french :) wouldn't the usa be a multinational ? you are cute and young continue your videos it's important...
I am privately insured. It is a rumor that private insurants have been preferred. In most cases, this is not the case. I have never experienced preferential treatment.
Switzerland is expensive because general wages are way higher than in Germany and the system is more comparable to the private system in Germany
hi guys i live in holland and i pay 155 USD a month i can call the dockters assistent in the morning and usually get a appointment in the afternoon no co pay no nothing free i recieve tablets for high blood pressure theese are not coverd but 3 months supply costa about 15 USD😊👍
I'm a teacher and I have a good but let's say moderate income. I have PHI but I only have to pay roughly 250 Euros per month and with that, everything is covered. Private bedroom in a hospital, any doctor I want, lots of extra trestments. Even lots of alternative medicine. I think at least half of the actual costs of my PHI are covered (by law) by my employer if a understand it correctly.
Checkups are nothing out of the ordenary in germany. If you are in dire need, you will come first. That is normal. If meet somebody on the street, who has a headache. Too bad for him. If you meet somebody in the street, whose leg ist twisted sideway, that needs imidate attention. Normal.
Times: If you have an appointment, usualy withing the academic 15min. Going to the doctor without an appointment, for me that averaged out at around a bit under an hour.
But medical relevant dental procedures are covered 100%. Also a 6 month checkup
In the netherlands I have a realy expensive ensuereance due to a kid with cistic fybrosis.
I pay round €260 each month full coverage
Hi from Germany.
Health insurance accounts for 14.6 percent of gross income.
Wait times are very case dependent in German ERs - in my personal experience I got treated right away as an (awake and concious) ambulance delivery after bicycle accident and on another occasion 2 hours waiting time with nasty cuts and bruises after walking in there by myself.
GPs are different in the way that for a regular check up in my case it's usually getting an appointment a few days away and still 15-60mins waiting times when you get there.
Roughly 12% of my income goes into public health insurance covering almost everything bar dental treament that goes beyond the basics. The mayority of common medication is included in that if prescribed.
It sounds harsh when you're young and single to have to pay into the system but it pretty fast becomes a blessing the more you age and as soon you get kids.
The piece of mind it gives you through out a life time is a cruicial bonus that is often overlooked in healthcare discussions , imho.
The shi pays 100% for basic dental care, like check ups, a filling of a hole in your tooth, root treatment etc. if you want a fancier type of filling like ceramic or gold etc the patient pays the extra cost. Those 50% accord to tooth replacement for example and you can buy a cheap extra private insurance to cover up nearly the rest. The insurance would cost you around 20€
That still seems pretty good! Dental can be so expensive here in the states
@@loners4life it is pretty good, a ceramic filling will cost you about 20-30€. An implanted fake tooth may cost you 1500€ which could be reduced by the private insurance
I am more than happy to live in Germany and I don’t think the cost for our health insurance is to high.
On other social challenges we still have work to like retirement payments and unemployment payments, but over all this is a great system
I live in Germany and had a tooth replacement done. I payed €300 because I wanted a nicer looking tooth replacement. This is the most I ever payed in our health system. All other procedures and medication each was less than €100 if not completely covered by insurance.
What we should remember is that there are different tiers of insurance that covers different things and in most cases, you still have to pay out of pocket as a percentage of the overall cost.
So the number of people having insurance in the US doesn't really tell us anything unless the average American has really good insurance, and even then, I think they still have to pay out of pocket on medical bills.
In pretty much every modern country, universal health care covers more or less everyone and more or less covers the majority of treatments, that changes the dynamics of how many people are covered in the US and by what degree they are covered, but in any case, it's a lot worse than the numbers shown in the video they are watching as a lot of Americans have basic or average health insurance, which basically means you're still out of pocket by a lot if you need help.
I had my wisdom teeth removed. The only thing I had to pay was the special mouthwash and a co-pay on some pills I had to take for a few days
German here. The german healthcare is not the best in the world, but if you compare the us healthcare with systems in other countries, germany is an achievable system. We have big pharma companies in germany (like Bayer or Fresenius) and they try to influence every legislature. And germany does have a big pivate healthcare sector (which we should probably get rid off), so it is possible to move into a similar system in the us. The main steps are: Cover everyone, no copays, free choice of doctor / no more networks and government regulated max prices for monthly cost and cost of medicine. Which is possible, just look at Biden setting a price ceiling for insulin. The main thing is that you have to always compare your system to other systems. For example, the us ambulances and the medical treatment there is much better than in german ones. So you always try to improve your system. And lastly, on the job side, of you need unlimited sick days. Also sick days trump leave days. If you are getting sick on vacation, you get a doctor's note and you get your leave days back.
12:45 Yes for the best earners. Basicaly you pay 7.something% of your gross wage for SHI per month. The same amount is paid by your employer for you.