Also, children have free health insurance until their 18th birthday in the Netherlands. So two parents with two kids only have to pay for their own health insurance.
@@henkvandervossen3518 As a student, I get 95 from the subsidy and pay 75 for the insurance. So I end up "earning" 20E a month. This system punishes sick people and rewards others who use very little to no healthcare.
Super DJohannes Normal insurance is clearly more expensive, you must have an enormous own risk. Fine, until you break a leg. But you are right, there is a strange thing going on between insurance companies wanting to make insurance cheaper for healthier people, and solidarity. I think it is fine though. The solidarity is in the involuntary character of the insurance and the taxes, the part whe insurances tries to “reward healthy people” is relatively very small in The Netherlands. Very small.
@@qqleq My own risk is at 865E (365E mandatory + 500E voluntary). I maxed the own-risk for 9 out of the 10 years since this system has been implemented. The one year I didn't max it was due to planned surgeries, so I wouldn't have to pay the voluntary 500E. I save 240E each year by increasing my co-pay with 500E. At this point, I've benefitted so much, I don't even consider lowering the co-pay. These decisions are extremely easy to make for young people like me, but not for old people or others who do use healthcare on a regular basis. However, since about last year or so, they started offering insurances which are even cheaper than what I have now. They exclude care from very specialised hospitals like research centres etc. These kind of insurances are imo destroying the solidarity of the people. Also, when you do get sick with this plan and you end up needing this kind of care, you can easily lose thousands of euros as there is no limit to your co-pay. I think the system started out rather well with a limited co-pay of 150E, different coverages and specialisation on a personal level. But right now, it has turned into a really shitty, right-wing system that puts a much higher bill on people who actually use healthcare than those who don't.....
Free or cheaper is only relative. The health care costs will be payed one way or the other. By higher premiums for others or by tax. The fact that the US health care costs are three times higher than the Dutch health care costs is the main issue.
I think my jaw dropped a few times when I heard you talk about US costs. I can't understand how a country can allow its people to be in that position when it comes to their health. As you said, Healthcare should be a human right. No wonder people in the US are forced to work 2-3 jobs sometimes to make ends meet. Wow.
its because we here in Europe governments stipulate the best possible price for medicines and the lowest possible prices for medicines, in America and in the US. big Pharmas pay the political parties during election time so that the newly chosen president is thankful for their contribution and dont try to get the best (lowest) possible prices the prices for meds in the us are 5 times higher then here, same for the hospitals
@ChibiYali Large part of the problem is the price gouging that takes place. For instance, in the Netherlands a heart transplant (the procedure) costs around 40.000 euro. In the US the same procedure costs around 1.4 million dollar, which drives up insurance costs to insane levels.
Yes its unreal!! The prices are insane and Jim de Nooij is right big Pharma is running it all so the prices of medicine and care are high which then makes the prices for insurance high.
Yes and if you are poor and you are misfortuned to have a lot of sickness what together cost a lot or one sickness where the treatments and/or medicines cost a lot, you have a hospitaldebt and have to work your asses of even more. You dont choose to get cancer or realy bad teets (genetical) you get it no matter of your rich or pour. I am glad that in the netherlands we have healthinsurance for everyone.
You can't make healthcare a human right, because it immediately imposes a responsibility on another person by force. Don't go overboard with positive liberty principles guys. Healthcare and health insurance are also not the same thing.
we should complain it is declining rapidly by now every sitizen pays around 430 euros per year ONLY to line the pockets of the owners of those insurance companies. and that means close to half our "costs" come from the profit incentive of these being business. from that 430 euros no one will get help no one will be aided of healed. it is to make the owners so filthy rich that they slowly become the top 0.01 % owning half of the dutch nation's wealth. if the US now would follow Bernies plan it would even have a far superior system over the dutch one. cheaper less profit margins (i still disagree with this no one should make profit out of people not wanting to die) next year i have to pay 12 euros extra per month, considering they already have 7 BILLION profit that money i pay extra will do NOTHING to improve my health care or anyone else's thats going straight in the pockets of the owners. so in 2019 il be paying 544 euros per year that goes straight to someone wallet with never ever aiding anyone. the next year they can do the same fucking thing again. so by then itl be 600+ euro's per year. and this has been happening for about 5 years and on a lesser extent for the past 2 decades. they know the current government is liberal for rich folk so they accept it and they even combat the opposition on the sheer fact we already pay close to half for absolutely nothing in return.. we even have own risk of 300 euros. so get sick and you just coughed up 730 euros for your insurances in that year that is NOT going anywhere but to the 0.1% so we have to complain otherwise we will be the ones with a shit system akin to the US. no even worse if we cant pay it we will even get legal problems. and then a PRIVATE instance named the college of insurances can even FINE you an additional 40 euro's per month. none of that goes to pay your debt none of it goes back to paying other peoples healthcare this yet again goes straight in the pockets of the 0.1%. so if ou got even a tiny debt youl have to cough up an additional 480 euros/ so now lets see you have the minimum income you had 2 months you just couldn't pay. so you are being logged at this college. you also needed healthcare so then you can eventually pay so yeah we literally have non governmental companies with t e power to legislate thanks to the liberal government going overboard giving so much power and even the right to make laws to the very rich. this results in the people at the bottom of the food chain sometimes coughing up nearly 1100 euros per eyar ONLY to make one fuck richer.. No one else will benefit from that huge sum and you are Legally obliged to do so under threat of being imprisoned eventually. the problem in this vid is the guy here comes from an even worse system and makes this look al so rosey but there is not that much difference. as long as its private ran businesses profit is the ONLY reason for them to do anything. and isnt it incredible that a llaw dictates millions of people to cough up half a grand to over a grand every year to you and you cen even up this every fucking year. we used to have nationalized insurances it covered more it costed people far less and the quality was much higher. now we have hospitals ran by overworked people as even those had their profit margins now. why not fire half of the personnel and then just tell the rest to work more efficient right. hell even their incomes have nearly halved. so we are in a downwards spiral situation where very rich people still got all the power to milk everyone else dry.
zool201975 If you pay €544 next year you certainly have no reason to complain at all. The lowest premium I could find for basic insurance is €98,50 a month with an own risc of €385 for 2019. Still, that's nothing compared to the example in the video. The Dutch saying is true: klagers hebben geen nood.
+jhcFight Meh too obvious of a troll try harder.. also another troll with a name hinting at it right away.. i bet you are the runt of your mommies litter...
@@jhcfight It's considered one of the best, if not THE best in the world. As a dutchman, yes we will moan about the 385, but at the same time, we're dutch, we moan about everything ;) Something my grandmother always told me is: "Klagende mensen hebben het goed"
Short end for the dutch healthcare, we pay for eachother. It is mandatory to have health insurance. If you have a low income, the government sends you money each month to pay (a part of) the cost. Some people end up paying without ever using the system, some people are chronically ill, they get comparitively real cheap care. You get all the care you need within reason, something life threatening?, cared for. But if you need something that is not neccesairy like plastic surgery, be prepared to pay for that yourself. One for all and all for one. We care for eachother. Another thing is you can sometimes get cheaper deals with the company you work for. They make their own agreements with companies that provide healthcare.
Vergeleken met het Amerikaanse zorgsysteem is ons systeem natuurlijk geweldig. En ik vind het ook super dat wij als Nederlanders voor elkaar zorgen. Het enige nadeel vind ik wel dat ik bijvoorbeeld als 'arme' student de dokter en tandarts koste wat kost vermijd omdat ik uiteindelijk toch het grootste gedeelte zelf betaal, maar dat ik ondertussen veel mensen in mijn omgeving heb die onterecht een uitkering hebben en voor de mildste verkoudheid al bij de dokter staan.. Want voor hun word toch alles uiteindelijk wel vergoed zonder dat ze er zelf voor hoeven te werken.. Maar misschien ligt dit probleem meer bij het uitkeringssysteem dan bij het zorgsysteem.. :P
@@esmiraldajonker1244 ik heb een bijstandsuitkering en zit best vaak bij de dokter. Ben chronisch ziek helaas, waardoor ik mijn bedrijf verloor en van een goed inkomen hierin ben vervallen. Maar ik moet steeds meer zelf betalen hoor. Medicijnen, specialisten. En dan heb ik het niet over een verkoudheidje, neusspray of plastische chirurgie. Het zijn noodzakelijke dingen om het leven dragelijk te maken. Ik geef toe, als ik in Amerika had gewoond dan had ik misschien gezegd, geef maar een spuitje want ik kan dit allemaal niet betalen en wil niet dat mijn familie bijvoorbeeld voor de kosten moet opdraaien, dus wat dat betreft is het hier beter, maar helaas ook niet voor iedereen zoals jij het beschrijft.
I'm Dutch and always assumed we paid a whole lot for our health insurance here in the Netherlands until an Americsn friend told me how much she spent on health insurance for her and her son in the USA. When I spent a few days in hospital for surgery some ten years ago I didn't pay a penny and never saw a bill. When my American friend spent time in the hospital it turned into a nightmare of bills and high co-pay etc. I have since then never complained about our health insurance again.
if you have "resitutie verzekering" you get a bill and need to pay first and insurance gives back later. However this insurance lets you pick your own hospital, surgeon, doctor etc. It's the most expensive version of insurance
we actually do the system is commercial now for a few decades and the costs go up while the care goes down. right now the dutch insurances rake in a hefty 7 billion euros profit per year. and this is PROFIT nor the turnover which is MUCH MUCH higher. the 7 billion profit goes to shareholders and the leaders of the respective companies. and it gets worse every year. the prices are so high now that more then half gets funds from the government (taxes) and most of it goes directly in the pockets of shareholders... so yeah we shouldn't compare it to the US as it gives us a false sense of it being ok. it jsut is not. medical personal are being underplayed more and more as also commercial medical centers try to milk every penny out of everyone involved. we need to nationalize that shit again and take away the profit motive which is NOT a quality motive.
7 billion profit per year for a legally imposed service.. let me remind you again this is not the turnover this is what they get in their pockets. this controversy popped up 4 years ago and has not changed. and as for stocks they pay their stock holders by forcefully upping its value by forcing the clean profit to go up by demanding unreasonable price increases on monthly payments.. so we are legally bound to companies that use us as product for the customer named shareholders. now lets see lets divide that 7 Billion euros over 16 million people.. oh look that means every citizen man woman elderly and children cough up a 430 euro's extra per year PURELY to line someones pocket.. now are you willing to do that? especially when you are legally obligated to do so? and Never use an excuse that somewhere else on the world is worse so lets not fix anything. am am just not in the fucking mood to have a healthcare that could nearly get halved in costs right now if the fucking profit margin is removed by just the insurances alone..
+george lucas.. this is a post on a website of private organisation that was conjured up by the various healthcare insurances. please also check the source. its like asking a nazi if fascism is bad :( you already will know the answer right. ofcourse they will also go for scapegoats even if this is the case then it does not change the fact they are sitting on a pile of private owned money that collectively grows 7 billion a year... the only reason this will also increase our costs is because they do not want to lower their profit. and they do not have to because our current government is 100% willing to go along with any of their .. suggestions. perhaps their profit can be a tad lower this year around and no one has to pay more. because this supposed issue with medical centers is on TOP of their standard yearly increase it already has been increased this is them demanding even more.. while the opposition rises because there is no clear reason why their PROFIT has to be so absurdly high while times are getting "harder" if this was NOT a business wed at least see that 7 billion being used in other social aspects of our lives. also if there is a one payer system here we have MUCH more leverage to those privately own hospitals.. another thing i am against to be honest. in the end there motive is profits too. i am fine with businesses doing this but hospitals are not a business model with customers that can walk away when not agreeing in more then just a few cases. the bullshit is that there even have to be special negotiations between companies in this regard. people should not be able to make a business model of my health nor yours.
I guess the people who don’t like the dutch healthcare system do not have any health problems and never have to see a doctor🤷🏼♀️ I’m chronically ill so my bill would be out of this roof without it. Im over my own risk with in one month. I’m so glad we have this system, couldn’t live without it... litterally 😂😂😂
The current insurance covers costs abroad for everything I need. So it's more to be safe if I would go abroad and something happens. like an accident or so. Not actually for being sick.
My dad (who lives in US) had to get eyedrops from the dermatologist last week. They charged $295. We checked what the same stuff costs here in NL and it's €4,95. That's insane!
I guess the $295 bill was including the service of the dermatologist and not just the eye drops? A visit to a dermatologist in The Netherlands is also subject to your deductible.
Voor de volgende zorg uit het basispakket betaalt u geen eigen risico: huisartsenzorg (waaronder de huisartsenpost); verloskundige zorg en kraamzorg; bepaalde zorg bij een aantal chronische ziekten (diabetes mellitus type 2, COPD en CVR). Bij de behandeling van deze ziekten zijn verschillende zorgverleners betrokken. Bij bijvoorbeeld diabetes zijn dat huisarts, diëtist, podotherapeut, apotheker, oogarts en fysiotherapeut. Dit heet ketenzorg; wijkverpleging; nacontroles bij orgaandonatie; reiskosten bij orgaandonatie.
Lets translate this as I wanted to say the same: The 385 euro's own risk excludes the following: General practitioner (including nightly visits to general practice center) Obstetric care/maternity care Some types of chronic diseases like diabetes, COPD, CVR, this includes general practitioner, dietician, podiatrist, pharmacist, eye doctor and physiotherapist. District nursing Aftercare by organ donation Travel cost by organ donation. I would like to add, our system is awesome, it's The Netherlands first and America not even second (:
All costs could be covered if there wasn't for corruption, greed and wars. We all paying for. Alle kosten kunnen gedekt worden als er geen corruptie, hebberigheid en oorlogen waren. Waar we allemaal voor betalen. It's time for actions, strikes and tsunamis of e-mails. Het is tijd voor acties, stakingen en e-mail tsunamis. It's time for people world wide working together for freedom and social rights to have a good quality of live. Don't shit each other. Het is tijd voor mensen om wereld wijd samen te werken voor vrijheid en sociale rechten voor een goed bestaan. Besodemietert elkaar niet.
@@akbarallardfreichmann2938 We try to explain the differences between NL - USA, but please never write the word social, for the yanks are brainwashed about that. ( for them it is communism)
Btw, the own risk... if I get cancer this year, 2019, the treatment starts 2019, I pay own risk in 2019, but the next year, I don’t have to pay own risk on already initiated treatment.... so no own risk for the cancer treatment (that started in 2019) in 2020.
There is even a 'zorgtoeslag' for poor/ less rich people. Than you get some money to help you to pay your healtinsurance. You have to arrange it yourself, you have to fill in a form and they check your income and sometimes if you income was bigger than the previous year you have to pay back some money because you got to much zorgtoeslag.
I have this too. You can apply for it as a student. Calculated I only have to pay 15 euros a month for my insurance. I can't even fathom the high prices Americans have to pay...
Being from the Czech Republic and having lived in Scandinavia, where all healthcare is completely free, the costs of Dutch health insurance hit me hard. So there is another side.
One of the main reasons that it isn’t completely free in the Netherlands is to still have a boundary before people go to the doctor. You don’t want people to go to a doctor for nothing. That is seen in the UK with the NHS. There are long waiting lists and people who can afford it will go to private clinics to be treated earlier. Though the “huisarts” (family doctor) also helps with this, because you have to go to this doctor before you can get an appointment in the hospital
I never understood American healthcare but you explained it pretty well. Imo for such a wealthy country its insane the healthcare and overall cost of living is so high in the USA. It's rediculous that you only have acces to good healthcare if you have a certain job thats just dumb. I'm glad I live in the Netherlands for that, no offence!!
There are jobs in The Netherlands that next to working there also offer you a discount on health insurance through work because the mass-membership allows the company, or sometimes the workers union like FNV to negotiate good prices (I work in the media and the health insurance through the FNV I think gives me free physiotherapy, but it does not cover some other costs (that you could consider reasonably mandatory since I will probably need to take them for the rest of my life) that I need covered, so, that was not really an option. I think I was offered it as well, even though I work 8 hours a week on (currently) a 6 month contract.
@Sara SL Yeah you're right! I learned a lot more about the american culture and other countries in general because I'm interested in that. It sucks that it is the way it is, but in this world everything evolves around money sadly. Plus if it was spread evenly then everyone would have millions that's how bad it is.
My parents had American friends. I remember the woman told me that someone in their family had been very sick and had HUGE medical bills. They were so high several people of the family had to sell their houses so they could pay the bills. I'm not sure if it's true, but she said that if the person himself can't pay they will go to other members of the family?
In developed countries, health care is considered to be a human right, as in the Netherlands, in Germany, in Sweden, i.e. in the whole civilized world. So the U.S. clearly is an underdeveloped country, since it actually kills its under-priviledged citizens by denying them medical treatment. I do not know the details of the Dutch system, but it seems to be rather similar - give or take - to systems in other European countries. I, being a Swedish senior citizen, with a somewhat failing health, would probably be dead, or at least bankrupt, were I to live in "The land of the free". Now, fortunately, I am not, but live in Sweden, a country rather similar to the Netherlands in many aspects. Yes, I pay taxes - as a retiree - some 30 percent on my income. When I earned more, I obviously also paid proportionally more. High taxes(?) Depends of what the money coming in is spent on. I go to the doctor, and use other medical services rather frequently.. A visit to a doctor costs me USD 24, a visit to a nurse USD 12 - tests, any tests - included. The maximum cost - to me - for a twelve- month period is roughly USD 120. As for medicine - I consume quite a lot of prescripion drugs - I need quite a few to feel well - I pay roughly USD 250 per annum, then the health insurance cuts in.The message being: I can afford to be ill, even if I am not a millionaire. Greetings to my american friends and to "the so caled" president Donald
The Dutch system exists since 2006. Before then, we had two health insurances. The social "Ziekenfonds" was for people with a low income and was compulsory. People with higher income could take a private insurance or choose not to take an insurance at all. In 2006 health insurance became compulsory for everyone.
Dear Joey. We pay our own insurance which is about 1300 to 1500 euro's a person a year. On top of that comes your 'own risk' of 385 euro's a year. But that is not all. We also pay 'Premie Zorgverzekeringswet' Premium Health Insurance Law). And if you have a job, your employer also pays 'Inkomensafhankelijke bijdrage Zorgverzekeringswet'. (Premium Health Insurance Law depending on income) If you don't have an employer, you pay a higher percentage for your 'Premie Zorgverzekeringswet'. These premies (premiums) are being collected by the tax-office - you pay it as tax. All in all, with an average salary, you pay about 8.500 euro's for Health Insurance a year. Less than 2.000 euro you pay to the insurance-company, the rest is colleted through tax. The State gives part of the tax to the insurance-companies, part of it is used for the elderly, handicapped etc. The reason this is so complicated is part history but also to confuse people. No suprise you didn't know about it. Most Dutch people don't know. But I am a tax-consultant, so ... People are usually very suprised when I tell them. Anyway: in fact people with an average income pay about 700 euro's a month. If you earn more, you pay more - the maximum is about 800 euro's a month. With a low income or on social security you indeed pay less or even almost nothing. But ... not so cheap, huh.
Important difference: You can have health insurance for "1300 euros" a year, even when you don't have a job; and when you don't have a job you'll get those 1300 euros. For US citizens the health insurance (not the private ones) are also through their income, but it's simply not the state that collects it. If only 2k goes to the insurance company, then I don't know what your point is. We collect taxes to provide a life for everyone. If the money doesn't go to the insurance company, you can not say the insurance is expensive, it's the social security laws outside of the insurance.
I'm dutch and I never think about how I'm paying more by taxes. I almost forget that I pay them, because everything is collected automatically and I will never have the money in my bankaccount. So I don't know much about the different taxes I actually pay. After reading you're comment I looked into it and I can't find everything you say on the government (belastingdienst) webpages. I read about the part that's dependent on your income (that your employer pays, as tax), but the other premium you are talking about I can't find anywhere. Also to my knowledge I'm not paying any taxes connected to healthcare apart from what is taken from my salary automatically. So I'm confused about how I would be paying anything else, even when I would not have a job. Also I'm trying to calculate along with you. If I take "het modaal inkomen" before taxes that's 2800 euro's a month. When trying to find what would be left after taxes I find about 2100 euro's (of course that differs a bit depending on the job you have and the "CAO" for that job), so that means 700 euro's of tax payed. According to your calculations around 500 of that (6000/12) would be for healthcare. According to the tax-office the percentage for the income dependent part (the only part I can find about) is about 7% of your income before tax. For an income of 2800 euro's that would be 200 euro's. That makes me wonder how you ended up with a number that's more than double that. Is there a healthcaretax I don't know of? Or did you use an average income that is more than twice the "modaal inkomen"?
if you don't have a job, you still need healthinsurance, and not they don't pay the full instance then. That would be a socialized system. The Netherlands isn't a socialized state.
"On top of that comes your 'own risk' of 385 euro's a year. " Just to clarify; the "own risk" is not "on top of" the 1300. It's a limit of medical expenses that you have to reach before the insurance starts paying out (for certain types of expenses). If you are unlucky and run up bills that all fall under the "own risk" then you may have to pay the first 385 euro's of your medical bill yourself, but it's absolutely not the case that everybody has to pay 385 every year. "in fact people with an average income pay about 700 euro's a month." There is a difference between "pay" and "don't receive as income". I you go the Dagobert-Duck route; you pay 30-50% of your income in taxes for all kinds of shit you'll never use or need. You can complain about it, or you can be realistic
Hahaha sorry, I'm one minute in and you're saying; 'It turns out healthcare is so complicated' and I automatically hear Trump's voice echo-ing in my head, with his infamous speech-moment; 'Nóóóbody knew...that healthcare could be só complicááted." xD
As a Dutchie, I've been interested and fascinated by this specific topic for years now. I've watched docu's about US healthcare, I've talked to other Americans about it. and I just don't understand how all of you do it. Just, living life. It's scary as hell. It feels like your own country does nothing for you in terms of your health. And doesnt give a shit about the fact if you live or die. I don't understand how you do the normal things, like having kids. It freaks me out to think that your kid would be born premature for example, and having to pay millions of dollars. I could never live as an American. I'm attached to my wealth. Just let me ride my bike in peace, without being scared to break an arm. ;)
Hey Joey: Small correction here: a regular visit to the doctor, maternal care, or care that's covered under your 'aanvullende/additional' insurance will not deducted from your 'own risk'. Only when you need hospitlization after a visit to your doctor, you will pay up until your "own risk"
Health insurance in Belgium is even cheaper. We pay around 120 euro a year. Additionally, you can optionally take a hospital insurance (around 120 euro), dental insurance (90 euro),... a year. But we do need to pay a small amount of our bills ourselves: Visiting a MD is 4 euro, blood work is around 15 euro, a specialist can be around 20-30 euro, etc out of pocket.
As a 18 year old you get zorg toeslag in the netherlands, it is basically a thing for young people to pay the insurance. So if you got a €90 monthly fee, you maybe pay €10 or so, this is so good
Yet the Dutch insurance system is slowly eroding. The base insurance covers less and less every year. Take teeth restoration after an accident. That used to be covered by the base insurance but now you need an extra package for that. My medication for hay fever used to be covered until they took it out years ago. They also took out certain birth control drugs. Coverage goes down and the cost goes up. That deductible is a joke and only punishes people who actually get sick which entirely goes against the spirit of everybody paying everything for all healthcare. Healthcare should be free. It's free in a number of European countries. They simply merged it with the tax system. All you need there is an address to prove you live there and you're covered for all medical costs. In The Netherlands the rules change every year. Contracts change. Coverage changes. It's a hassle having to compare all the care policies from all the companies out there. Of course as an American it's heaven. The US healthcare system is a joke in terms of cost and organization. The level of care is great but the system favors people with money. And what makes matters worse is all the unnecessary checkups like extra MRI scans just to be sure but those are really expensive. The Dutch system is balancing much more between necessity and cost without increasing the risks for the patient. Had the American system done the same then health insurance would've been affordable there too. This is why even the Dutch insurance plans cover worldwide except the US. One last thing. The own risk (deductible) in The Netherlands does not count for visits to the huisarts (house doctor or GP). Lots of people don't know that. GP visits are always covered.
You're welcome! A small addendum. I've been living abroad for several years now so things might have changed somewhat since I left so you gotta check certain details again. One more thing just popped up in my mind. Dutch insurance plans typically only cover upto Dutch treatment costs (they describe it as something like "100% Nederlands tarief"). So for any treatment that's more expensive than in Holland you need to pay the surplus yourself which can get crazy. In some cases that can be even life threatening because in many of the more exotic countries they won't treat you at all if they think you can't afford it. Serious stuff but easily avoidable by taking extra travel insurance which doesn't cost a thing really. Then you have nothing to worry about anymore.
Yep. If we keep voting VVD/D66/CDA we will slowly Americanize in all the worst ways. Corporate and the rich have more and more influence over our politics as the wealth gap increases.
Last years the rate of “uitkleden” has gone down considerably, not much has changed. You must consider that costs of healthcare go up considerably every year so the “uitkleden” makes some financial sense, but believe me, by far most vital care is still in there. The reason for the costs to go up is that a) people keep on getting older and b) ever more diseases can be treated and/or cured, adding to the number of (often expensive) treatments that are performed, where we used to just die or needed to accept the consequences of our diseases and accidents and c) pharmaceutical companies do a lot of good things, but also often overcharge more than they need for their research. Now b) may be less of a problem, since they also find cheaper and better ways to treat, which both reduces healthcare costs. c) should be addressed more thoroughly by the government or the EU, even though we see things already changing a bit. A) will keep on increasing costs.
Some things are not part of the own risk/deductible. So if you go to your gp/house doctor, typically you don't pay for that at all. Medication for chronic diseases you only pay the first time you pick them up, afterwards the insurance pays. The Dutch government forces the insurance companies to take on chronically ill people, or people with pre-existing conditions, which the us system won't take on at all, but those are the people who need or the most.
In Belgium you pay 80 Euros per year and additional insurance or hospitalization insurance is 114 to 250 per year depending on your age. The last one isn't obligated. But the basic health insurance is obligated by law . The price is low because we pay alot of taxes
My goodness! That is expensive!!! Thank God for our system! Nice work Joey (I always give you a like before watching, because I know it's gonna be good). Keep it up!
i remember going to new york and finding out from people theres a big price tag attached to an ambulance ride. That blew my mind. from there on it got worse and worse. we have it so good here. Another benefit of everyone paying for healthcare is that there is a set budget for the gov to maintain the hospitals. That maintains healthcare too. the downside is that that budget sometimes doesnt cut it for hospitals. Loved the video! keep em comming bebe!
Not only that, but there's a good chance you won't get the same emergency care in US ambulances compared to Dutch ones. Dutch nurse in an ambulance, compared to (possibly) an EMT who can't even give IV narcotics.
It's not lack of skills per se, but a lower skill level. Because a lot of US services focus on profit over patients, there is a tendency not to train staff to the same level as in other countries. It's not the fault of those who work in the ambulances. They're nearly always keen and enthusiastic. But if you compared skills found in a Dutch ambulance compared to US, there's a huge difference.
Besides my normal health insurance, the company I work for provides me also with additional benefits like a free 24/7 accident insurance, in case you get a sever accident of get disabled. In that case you get a aliment for life. Besides that they provide me with two additonal benefits, like unlimited Physiotherapy, and other benefits like free help for stop smoking, free gym for losing weight or even a extra deduction on dental care.
We Dutch always complain about everything, but I'm sure they would change their opinion if they'd stay in an other country for a while with the health care there or other things like social money. Unemployment and in my case disability. And then, although we complain about it, elderly money at around 67. Many people don't even realize, most countries don't have that AT ALL. Elderly have to keep working till they drop.
Je begrijpt toch ook wel dat werkeloosheid wordt veroorzaakt door corruptie en hebberigheid. Als we nou samen zouden werken tegen corruptie en hebberigheid dan zou werkeloosheid kunnen verdwijnen. You do understand that unemployment is caused by corruption and greed? What if we worked together against corruption and greed?Unemployment could disappear.
The own risk only seems like a bad deal if you’ve been lucky enough to be healthy for a long time. I had a big medical bill a few years back and the own risk was nothing compared to what the health insurance payed out. Most people won’t end up paying the full amount anyway, since your family doctor is always fully covered by insurance. So most people might have to pay a few bucks to have blood drawn or for specialist care.
The thing I actually like about own risk is that if people have insurance, they will take more risk, own risk takes care of that. Because people need to pay for the first €385, they will be more careful, because they don't have everything covered. Also, what you might not know, is that you can also choose your own own risk. If you think you won't get ill, you can choose an own risk much higher. If you have the own risk that is higher, you won't have to pay as much of the general costs. Another thing I love about the Dutch way is that the GP is actually free of charge for everyone always. It's not even own risk. So if there is something you can always go to the GP
I'm Dutch but living in Switzerland and my monthly health insurance premium (krankenkasse) is 300 CHF, which is about 300 USD. And my deductible is 4000 CHF. So I'm on a US system basically.
So I have been in LA, and someone stole my Ritalin in the hotel ( I guess to sell who knows)... so I had to go to a clinic and get medication.. Cost: 300 euro just to see a docter... to read my official papers ... and then gave me a 3 dollar medication... BLESS me.. for actualy be ABLE to get the money back from my insurance... I kid you not... I was shocked.. also the wait time.. and they checked me.. my weight, blood pressure .. like everything.. I waited total 3 hours.. why??? to be sure I am not able to sue them in case stuff gets wrong... Thats the awnser of the doctor who checked my bloos pressure and weight... I just needed 6 pills... I was at the end of my vacation.. Total cost? 303 Dollars... For just 1 stupid visit... And took me forever to find out to get my meds at CVS btw XD I got SO much respect for the Dutch system after that,... I can get the money back.. all the american people can't... It is just sad... I feel spoiled ever since.. and happy my meds got stolen.. to just see how expensive USA is ... and how weird their systems are..
We also pay a large amount of taxes to pay for healthcare in Holland. And the employers pay additional taxes. And those taxes can be huge if you earn an average salary. And no, your “own risk” does not kick in when you go to your house doctor.
I am in germany. It is not the same but similar. My son was sent to hospital by ambulance with icu for some days. They did a lot of tests including drug tests. It was an infection that also attacked liver and kidney but they never found the virus. Still the sent a bill about some thousands of Euros - for information only, nothing to pay of course. The system is a bit different with us. You choose an insurance (they have minor differences) the cost is nearly the same for all, the money is didacted from the salary. You might pay a few euros per month for extras (if you want a full cover of dentist costs, not 50% only). There is private insurances too, they are cheaper when you are young but a rip off when you get older. You pay ahead and get refunded by the insurance. The doctors love the instant payment (they get more money from that too). There is a suspiciously higher amount of surgeries in that part, maybe doctors of creative surgery make some extra money there...
Sorry Joey but the Dutch system is financed not just by the nominal monthly fee. The total costs are covered for 50% by income dependent mandatory fees (= form of taxation) specifically for health insurance, just check your payslip! The other 50% by nominal fees (insurance premiums), own risc (deductables) and government funds (from general taxation). All in all still lots less then the health costs in the USA!
Mmmmh, it is not less than in the US. If you have an average salary, you pay about about 8.500 euro's a year. Per person. But: for children up to 18 insurance is free.
@@mdeleeuw6272 I was talking about the costs for medical insurance per capita or insured person, THEN the Dutch system is a lot cheaper then the US system. Remember the old Dutch system before 2006, if young the premiums for voluntary medical insurance was lots less then through the "ziekenfonds". My original posting is correct when using aggregated numbers, not in all individual cases.
For the Dutch Insurance: pretty sure it can go higher then 120 euros and lower then 95( considering you get additional insurance support from the government if you have low income)If you got all teh additional add ons I am sure you could go up to 180 or so( guesstimating). While I was a student I think I payed about 30 euro for health insurance...
OK, so after listening to this vlog I would like to say how much I love Dutch health care. Almost 11 years ago I gave birth to an extremely medically fragile child. He spent 7 months in intensive care. He was born in Belgium, because the Netherlands didn't have the medical expertise and it was paid for by my insurance. My son, after 10 years is still medically fragile, as in, he wouldn't survive without intensive care - so instead of paying for him to stay in hospital - they give me the money to take care for him at home. He is thriving and we are blessed. I am in touch with families in America (as my son has a very rare syndrome) and was told that babies get abandoned in the intensive care because the mothers can't afford to care for them. Those babies go into the care system. As a Brit, I would say that the Dutch system is even better than the NHS (gasp! - considered blasphemy to say this!). The availability of specialists, the lack of waiting times to see a specialist or receive care - in fact they appologise if you have to wait more than 3 weeks to see a specialist!!!!! Living in the Netherlands, the health care is an unexpected and welcome benefit.
My god, I already knew the American system was expensive but it’s even worse than I expected. The organisation of the insurance also sounds so complicated. Personally I’m also a fan of the Dutch system although as you said some people have a different opinion, but really we could have it so much worse. Thank you for the clarification!
to be honest, in my personal opinion, most of the complaints on the Dutch system are made without knowlegde of worse systems. not that these complaints are without warrent, but compared to the US system, we have nothing to complain! but we Dutch just like to complain.
We have a good health insurance system! No complaints from me. I'm a cardiac patient and each January or February I pay my own risk (eigen risico) and I'm done for the year, only have to pay my monthly payment. I'm content with that, I know how much research cost each year (scans, mri, meetings with specialist, medication etc). I will never complain about our health insurance
Before, we had €0 own risk, that’s a lot better for people who are ill for a longer time or just don’t have enough to go to the doctor when they need to. But... we absolutely can’t complain. There are flaws in the system, for my disease nothing is covered, I paid 100s of thousands to get a bit better. But here it’s still better than how it’s in the states if you look at the avarage
I want to ask a legitimate question because I am oblivious and I want to be educated...is the own risk of 385, really too much for people? I know I have a pretty good job and it doesn't seem like it to me, but my impression is that usually most dutch people have a good income? ♥️
In the Netherlands we have healthinsurence, own risk (eigen risico) but also 'eigen bijdrage' again €385,- and less and less medicine and specialistic care is in insurance. So I have to pay my medication, fysiotherapy (only a part is in insurance), dentist, some specialist so it's not only the things you said. And especially for the ones in welfare (bijstand) it's really a lot. We get only €961,- per month to pay everything. A lot of people cannot manage the healthcosts anymore. When I was young we had only government or private insurance, we called it ziekenfonds. You paid them monthly and you got everything for free. It depended on your income how much you had to pay. If I'm correct it was like F70,- for me (F was the old coin, in € it would around €32,-). So for us it's a big difference in not so many years. That's why we are freaking out about it. Think of the ones in wellfare, because if you have to pay €200,- a month of only €961,- you get, you understand it's hard to pay your house, water, Electra, food, and so on. Especially when you're not used to it. So it's because of the change, but also rich people pay the same as poor. Maybe that could be a difference too. What is the income of an American in wellfare? And how do they spread it on housing, health, food and so on? And we sometimes have to wait months to see a specialist. How long are the waiting lists in America?
385 is not a big deal. If you have 115 insurance, put aside 150 (115+35) and you're covered for the own risk too. ANd if you don't need the own risk, you have a nice $400 at the end of the year to spend on Xmas stuff. Win win baby! I've also had 2 surgeries, both near end of year, so paid like $60 on about $80,000!
Don’t forget. In the Netherlands when you don’t meet high income requirements the government wil actually give you around €100 each months for your €110 a month health insurance bill. I only pay €18 a month technically.
I love those video's where you are comparing dutch and american things, because it's a huge difference between the two countries according to what you are telling from your own experiences. I love being dutch hearing what americans could struggle with paying their health insurance 😯
Gracias Joey, this to me is your most interesting video as it is about something I always wanted to know more about. We in NL of course hear too much about the health insurance issues in the US, but your information "what types of health insurance are there in the US... what do you pay per month on average (for each) and what do you then get for that.. what's the own risk?" answered all I wanted to know and planned to dig into one rainy day... probably at the age of 60 hehe. Muchas gracias por explicar! Everything's answered. This is exactly what I always wanted know 🙂
Moved here to Amsterdam this past December. Family of 5 and 4 of us have used our new NL health insurance . One was a major hospital broken bone issue. 3 kids all covered for free because they are minors. I have not seen a single bill since using NL insurance for 4 of my family that has used their insurance. My American self keeps opening the mail box expecting a giant bill from the hospital. Months have gone by....nothing in my mail box. It is amazing and a huge relief because I was always in debt to medical stuff in the USA after paying my insurance monthly $950 for my family. The care that we have received in the NL has been far superior to any care I ever received in the States. One year I did not apply for Obama care after a job loss and insurance loss and I did have a fine on that years taxes. If I remember correctly is was in the $450 range based on that years income.
Don't forget the fact that with the €114 we have to pay every month.. a lot of people receive allowance from the goverment. In that way I only pay about €20,- per month for my insurance. But I think that depends on your income (I'm just a poor student).
114 a month I still think is expensive. In Belgium I pay 158 euros a year!! To give an example, I went to the dentist today and I had a picture taken of my wisdom teeth and a check up. I payed 118 euros. From my health care insurruance I get 94 euros back! So it actually only costs me 24 euros!
Ik vind dat je helemaal gelijk hebt! We zijn bofkonten dat we zo een goed geregeld gezondheidszorg hebben , toch heb ik een kritiekpunt: Wij hebben enorme wachtlijsten hier in Nederland. Iedereen kan zorg betalen en daarom duurt het zolang totdat je het werkelijk krijgt. Zelfs een simpel gesprekje bij de huisarts om een wondje kan weken duren. Dit vind ik een enorm nadeel.
Let me correct some things. Yes we have basic health insurance and you can add some extra stuff like for example an insurance that will cover your glasses, contact lenses, dental care etc. And yes there is an own risk but that doesn't mean you only have to pay 385 because the things you added to your basic health insurance are not included in the own risk policy, that only covers the extra costs you might have from things that are not completely covered in the basic health insurance. A few years ago I had about 1000 euro's extra costs for dental care alone and used my own risk for basic care I also needed that year. All in all pretty expensive (for a Dutch person ;) ) But then there is something else, you can get some money back from the government (belastingdienst) if you made extra costs next to your own risk by the end of the year when you fill in your tax forms. It depends on your income how much you can claim and get back though. And lucky me I get zorgtoeslag from the government otherwise there is no way I could pay my insurance per month.
Actualy, for Northern European standards, the dutch health insurance system is one of the more expensive ones. I live in Belgium, but i know a few people who live in Zeeland and work in Belgium, and know some who lived in Belgium but moved to Zeeland. And the Dutch insurance system is much more expensive than the Belgian one. 114 Euro per month is insane to a Belgian. Although we do pay higher income taxes and a flat health care tax of 13%. But that is calculated on your paycheck and held back before you are paid so you don't realy notice. :) I pay 25 Euro every 3 months, and a once a year charge of 75 Euro. We do pay a little bit ourselves at the doctors (5 Euro) and in hospital, but not a lot. I broke my shoulder two years ago and in total, with emergency services on a holiday, 5 check ups with MRI and X-rays, and 6 months of kinesitherapy, it all cost me less than 700 Euro. My dutch friends are always surprised at how cheap it is here, and how expensive it is in the netherlands compared to over here... Off course it is still nothing compared to the US. :D
Also take in consideration that we pay A LOT more income tax in the Netherlands compared to the USA, a lot. This is also used by the government to provide people with a lower income to get the 'zorgtoeslag'. So in fact, we pay for this ourselves, if you are lucky, you are rich and healthy, you pay health insurance and tax to pay for the 'poorer people' too. Still the amounts of money in the US are creazy, I would agree
you dont have to pay own risk always .going to the doctor is not a problem but if you must do a blood test or have surgery then you have to paythe 385 at the end of the year
I live on social benefit ATM here in the Netherlands and can easily afford to pay for health insurance. I do get a monthly sum from the government to pay part of it.
The 385 euros is a bit too much in my opinion. I think a lower amount would suffice. Luckily that doens't include you general practitioner, thats "free". Just a small tip, you can choose your insurance and one of them --> DSW gives you an option to include your own risk of 385 euros in you monthly paid price and everything you don't use you get back in the end of the year as (kinda) a small savings account.
@@lindaraterink6451 oh....believe me Linda...you guys don't realize how expensive Healthcare is in the USA. Healthinsurance costs me approximately $500/month and covers only a fraction. Medicine is all out of pocket expense and then there are high deductibles...😖
Ik weet dat het buitensporig is in U.S. Nederlands is wat dat betreft stukken beter dat snap ik. Maar als je ziet wie letterlijk gestraft wordt door het Nederlandse systeem en dat zorgverzekeringen in Nederland miljoenen winst maken zodat de grote baas een Mercedes kan rijden vind ik gewoon weg schandalig. Prijzen van medicijnen in onze zo "gewaardeerde" EU waar je hier 50 euro! voor een doosje vol moet betalen en enkel op recept krijgt en in andere landen van die zelfde EU gewoon 5 euro kosten en simpel te verkrijgen zijn zonder recept dan klopt er echt iets niet. Medicijnen waar patiënten al jaren lang goed op reageren, worden zonder pardon uit de zorgverzekering gehaald, omdat ze ineens te duur zijn. De zorgverzekering bepaald gewoon een alternatief voor het medicijn, omdat het goedkoper voor hun is. Er zijn gevallen bekend waarbij dit nare gevolgen had door er totaal anders op te reageren gek genoeg en als je dan je zorgverzekering er over belt, is het niet hun probleem. Ze hebben een alternatief zeggen ze dan. Waar is de zorg op maat? Sinds wanneer heeft een zorgverzekering de zelfde bevoegdheid als een arts? In wezen bepaald hij gewoon letterlijk welk medicijn iemand gebruikt, omdat het alternatief niet te betalen is. Check 50 euro. Creperen mag je in zo'n geval. Ik kan er gewoon weg niet bij dat dit allemaal maar kan en mag. Ik heb echt geen enkel probleem met betalen voor een zorgverzekering, maar ik wil dan zien dat ik mij geen zorgen hoef te maken of ik nog een (fikse) narekening krijg of dat het geld op de verkeerde plek te terecht komt. Waar betaal ik dan in godsnaam voor? Gebakken lucht? Niemand kiest ervoor om ziek te worden dat overkomt je en ja dat geld ook voor Amerikanen, ik heb echt met ze te doen, maar ga alsjeblieft niet lopen zeggen dat het Nederlandse systeem geen gigantische fouten heeft. Want het is nog lang niet goed en fair voor de gebruiker ervan.
@@lindaraterink6451 Believe me Linda, I share your frustrations wholeheartedly. In my humble opinion healthcare should be non-profit. Period! It seems the Dutch system is following in the footsteps of the US system, so expect it to get even worse financially. 😖
Braices are covert to, if you are under 18 years than you can have braices for free. Thats why my parents hoped I would be done whit them las november. I didn't make it but the dentist dit try and put as mutch of the costs as posible befoure my birthday. If you are under 18, the state also pays 100 euro of your glasses a year.
As someone who literally never has any medical issues it's a lot of money flowing out of my hands, but it's definitely better than in most other countries.
Countries with free health care or very subsidized health care costs, usually have very high taxes. So its very much economic perspective. Would US citizens be okay paying 40% tax for free healthcare and free university tuition?
I watch American tv series a lot but I never really got why people would run away from a hospital or something like that and say " ow no, I can't afford that". But now it all makes so mutch more sense to me! I never thought like maybe some people are not insured for that because it always seemed to me that it was just obvious to have Health Insurance 😂
"Own Risk" is similar to Co-Pay I believe ? Notice how the fines are similar to the average payment of health insure. :-) You would need to mention, that you get fined because of 2 things: you can get money for things like health insure if you can't pay for it yourself. And if you are not insured in the Netherlands and go to a doctor/hospital they are still supposed to help you.
I am not sure if I even had to sign up for the 'Zorgtoeslag'. the subside you are talking about. I am not sure tho, because I am 27 now and still a student, so the first time I got it was already 9 years ago, haha. For a long time a never really used health care services except from GP, which is always paid for and not included for your 'eigen risico'. So I got my 'own risk' part higher and then my monthly payment was lower than the 'zorgtoeslag' I received. ('Zorgtoeslag' is always the same amount for everyone, so I was not breaking rules or anything). Ofcourse it is a risk, once broke my ankle and needed a surgery, my own risk was high, so I needed to pay a little more. On an annual basis however, that maybe would have been a difference of 150 euros because of what I saved with the lower montly payment, so it was not such a disaster ;)
Hi Joey, a reason for the dutch hc system is relatively affordable has to do with price limitation by the government. Another thing is that only basic health care or care with a health-need is included in the system (so no plastic surgery except health or mentally related need. Like breast increase or eye lid surgery) Another point to realize is that the government is actively negotiating on prices for medicines with the pharmaceuticals, as well as promoting the use of white-label medicines (with the same active components). Another point to note is that basic care is not deducted, only some special care. Main goal is to keep everyone as healthy as can be and to prevent excessive care. So how relates that to the US? Note. About two years ago there was an item on CNN about the Dutch system
Currently I have health insurance through my work and I pay approx 380 every 2 weeks for a family of 4 and then our deductible is 5000 individually and like 8500 for the entire family. It's ridiculous.
So the Own Risk has a good reason. It is there to combat Moral Hazards, people who are incredibly reckless because they know the insurance will pay for any damage. That causes the insurance to have to pay A LOT, but since in this system, we all pay for each other, that results in us having to pay so much more. Now they have an Own Risk, and the Moral Hazard group is less reckless because they know they have to pay themselves as well, causing our bills to be much smaller.
Also, the MINIMUM own risk is 385. The max is like 850 or 900 or something about there. You end up paying 20-30 euro less a month if you take high own risk. I would say 95% of students do this.
Is it still the case that in the US healthcare organisations won't pay for conditions you already had when applying? If that's the case, I would be screwed there by now.
@@JoeyJaq That was the term. Well, I've been diagnosed with an auto-immune disease last year (relatively mild, but I'm now on lifelong medication). So I started to become really happy with the Dutch healthcare system for not having such rules. I don't have a lot of money, but being dependent on our healthcare system, I cannot complain.
Hi Joey, I'm so happy to have found your vlog. Love it and keep doing it please! I'm just catching up with your topics so forgive me if you've already posted about this - but as a Brit, I was shocked about the American bar culture. The UK is quite friendly and it's a place you go to meet people. Here it's difference but the USofA is quite sad. So it would be great to hear you discuss your views on bar culture differences. Cheers x
It's refreshing to hear some nice fresh perspective about our healthcare since Dutch people really like to bitch about it even though they have no clue what they are talking about and how good they have it. Sure, it's not perfect but it could be a lot damn worse.
The own risk discussions are not mainly about the height of 385 euro (although alot find it too high), but its mainly about the fact that own risk means that people with chronic diseases have to pay it annually. Also people who don't have alot to spend are discouraged to go the doctor by this amount. So basically it's an illness tax. I understand its a counterbalance for hypochondriacs that go to the doc for everything which we as a nation cannot afford but it does go against our views of equality and basic human rights.
Wow Joey! That was an excellent explanation! The US system is very hard to understand, when you are born and bred in the Dutch healthcare. Some years ago NOS correspondent Arjen van der Horst did a long twitterthread (@ArjenUSA) on all the ins&outs, and these are the things I remember: complicated, the costs are overwhelming, the inequality between states, i.e. where in the US you live, is tremendous, and so is the inequality for people without a sufficient income. Same as what you told here. My take: 5 yrs ago I got really sick. Treatment took 10 months. Revalidation took another 16 months. Did not have any medical costs (beside of course the 'eigen risico'). Got paid by my employer - a little less, but enough for my costs of living ánd my mortgage. Had I lived in the US, I would have run out of money. No job, no income, growing debts, the mortgage would have been terminated, I would have been evicted, medical treatment would stagnate - and being jobless, homeless and sick, I probably would have died. America is beautiful, splendid, but harsh....
The own risk is not for the doctor. The doctor is always free. If the doctor desides to send you to the hospital, only thén you pay the own risk. Dutch people dont like it, because it used to be totally free. Children get free healthcare untill the are 18 years old.
I've had a period in my life in which I didn't have a job and education because of some personal issues. In America I would live on the streets proberbly. Here I got money to live (1000 a month), a place to live in the center of my home-city, health insurance and fucking holiday money (800 euros 1 time a year, wtf). I am so thankful that I was born here and I start to realize more and more how insanse and luxery this is. I am taking care of my own money now, but I was feeling you when you said you get a bit emotional.
What I am missing from this vid is a side by side comparison of average health insurance costs per person both for a person taking health insurance, as well as the amount subsidies the government pays. The latter is especially unclear here: does the Dutch or the US government pay more per person? if the USpays more, that would prove that the Dutch system is better on all fronts.
I've read & it is repeated in these comments again that the US pays double the amount of The Netherlands per person. Even without a comparison of these two it is know that the US system is the most expensive in the world. Very luxurious for a few, lethal for everyone else.
I even have my own risk insured, meaning I pay it of monthly. Pro: never get any bills. Con: If i don't get to the 385, I don't get it back. You can even choose to heighten your own risk if you believe you don't need it and thus lower your monthly costs
I hate the €385, because from the things i need, I think I spend about 50 or 100 maybe so what's left from the 385, I still have to pay for and don't want that. So I directly pay the things I need on that moment.
please do not forget that we, with 17 million citizens, contribute 80 billion euro's on top of or personal payments for health insurance via taxes. Look at our "miljoenen nota -> healthcare (zorg)" to see how the government spends all the tax income. That means 4705 euro per person!! Meaning an average family of 2 adults and 2 children below 18, including our monthly health insurance payments, it sums up to 21.000 a year! (4*4705) + (104*2*12) 4705 = 80 billon / 17 million.
I was a lot on email groups, I spoke with a lot of Americans by phone. Could never understand why they continuously talked about their health incurance whenever it was about decision making. As a naieve Dutchman I have always been taken care of by my health insurance, therefore I assumed that this was normal, standard, for the Western word. Only when I saw SICKO, Michael Moore, I understood. I could not believe it ... Yes, we are privileged..thanks for showing the figures and pointing that out.
Also, children have free health insurance until their 18th birthday in the Netherlands. So two parents with two kids only have to pay for their own health insurance.
Students pay 96 or so euros, but get a grant of 87 e per month, effective costs 10 per moth
@@henkvandervossen3518 As a student, I get 95 from the subsidy and pay 75 for the insurance.
So I end up "earning" 20E a month.
This system punishes sick people and rewards others who use very little to no healthcare.
Super DJohannes Normal insurance is clearly more expensive, you must have an enormous own risk. Fine, until you break a leg. But you are right, there is a strange thing going on between insurance companies wanting to make insurance cheaper for healthier people, and solidarity. I think it is fine though. The solidarity is in the involuntary character of the insurance and the taxes, the part whe insurances tries to “reward healthy people” is relatively very small in The Netherlands. Very small.
@@qqleq My own risk is at 865E (365E mandatory + 500E voluntary).
I maxed the own-risk for 9 out of the 10 years since this system has been implemented.
The one year I didn't max it was due to planned surgeries, so I wouldn't have to pay the voluntary 500E.
I save 240E each year by increasing my co-pay with 500E.
At this point, I've benefitted so much, I don't even consider lowering the co-pay.
These decisions are extremely easy to make for young people like me, but not for old people or others who do use healthcare on a regular basis.
However, since about last year or so, they started offering insurances which are even cheaper than what I have now.
They exclude care from very specialised hospitals like research centres etc.
These kind of insurances are imo destroying the solidarity of the people.
Also, when you do get sick with this plan and you end up needing this kind of care, you can easily lose thousands of euros as there is no limit to your co-pay.
I think the system started out rather well with a limited co-pay of 150E, different coverages and specialisation on a personal level.
But right now, it has turned into a really shitty, right-wing system that puts a much higher bill on people who actually use healthcare than those who don't.....
Free or cheaper is only relative. The health care costs will be payed
one way or the other. By higher premiums for others or by tax. The fact
that the US health care costs are three times higher than the Dutch health care costs is the main issue.
I think my jaw dropped a few times when I heard you talk about US costs. I can't understand how a country can allow its people to be in that position when it comes to their health. As you said, Healthcare should be a human right. No wonder people in the US are forced to work 2-3 jobs sometimes to make ends meet. Wow.
its because we here in Europe governments stipulate the best possible price for medicines and the lowest possible prices for medicines, in America and in the US. big Pharmas pay the political parties during election time so that the newly chosen president is thankful for their contribution and dont try to get the best (lowest) possible prices the prices for meds in the us are 5 times higher then here, same for the hospitals
@ChibiYali Large part of the problem is the price gouging that takes place. For instance, in the Netherlands a heart transplant (the procedure) costs around 40.000 euro. In the US the same procedure costs around 1.4 million dollar, which drives up insurance costs to insane levels.
Yes its unreal!! The prices are insane and Jim de Nooij is right big Pharma is running it all so the prices of medicine and care are high which then makes the prices for insurance high.
Yes and if you are poor and you are misfortuned to have a lot of sickness what together cost a lot or one sickness where the treatments and/or medicines cost a lot, you have a hospitaldebt and have to work your asses of even more. You dont choose to get cancer or realy bad teets (genetical) you get it no matter of your rich or pour. I am glad that in the netherlands we have healthinsurance for everyone.
You can't make healthcare a human right, because it immediately imposes a responsibility on another person by force. Don't go overboard with positive liberty principles guys. Healthcare and health insurance are also not the same thing.
Damn. I better not complain about Dutch healthcare again.
Exactly. I knew we hadn't a bad system, but compared to the US we're in heaven.
we should complain it is declining rapidly by now every sitizen pays around 430 euros per year ONLY to line the pockets of the owners of those insurance companies.
and that means close to half our "costs" come from the profit incentive of these being business.
from that 430 euros no one will get help no one will be aided of healed. it is to make the owners so filthy rich that they slowly become the top 0.01 % owning half of the dutch nation's wealth.
if the US now would follow Bernies plan it would even have a far superior system over the dutch one.
cheaper less profit margins (i still disagree with this no one should make profit out of people not wanting to die)
next year i have to pay 12 euros extra per month, considering they already have 7 BILLION profit that money i pay extra will do NOTHING to improve my health care or anyone else's thats going straight in the pockets of the owners.
so in 2019 il be paying 544 euros per year that goes straight to someone wallet with never ever aiding anyone.
the next year they can do the same fucking thing again. so by then itl be 600+ euro's per year. and this has been happening for about 5 years and on a lesser extent for the past 2 decades.
they know the current government is liberal for rich folk so they accept it and they even combat the opposition on the sheer fact we already pay close to half for absolutely nothing in return.. we even have own risk of 300 euros. so get sick and you just coughed up 730 euros for your insurances in that year that is NOT going anywhere but to the 0.1%
so we have to complain otherwise we will be the ones with a shit system akin to the US.
no even worse if we cant pay it we will even get legal problems. and then a PRIVATE instance named the college of insurances can even FINE you an additional 40 euro's per month.
none of that goes to pay your debt none of it goes back to paying other peoples healthcare this yet again goes straight in the pockets of the 0.1%.
so if ou got even a tiny debt youl have to cough up an additional 480 euros/
so now lets see you have the minimum income
you had 2 months you just couldn't pay. so you are being logged at this college.
you also needed healthcare so then you can eventually pay
so yeah we literally have non governmental companies with t e power to legislate thanks to the liberal government going overboard giving so much power and even the right to make laws to the very rich.
this results in the people at the bottom of the food chain sometimes coughing up nearly 1100 euros per eyar ONLY to make one fuck richer.. No one else will benefit from that huge sum and you are Legally obliged to do so under threat of being imprisoned eventually.
the problem in this vid is the guy here comes from an even worse system and makes this look al so rosey but there is not that much difference.
as long as its private ran businesses profit is the ONLY reason for them to do anything.
and isnt it incredible that a llaw dictates millions of people to cough up half a grand to over a grand every year to you and you cen even up this every fucking year.
we used to have nationalized insurances
it covered more it costed people far less and the quality was much higher.
now we have hospitals ran by overworked people as even those had their profit margins now. why not fire half of the personnel and then just tell the rest to work more efficient right. hell even their incomes have nearly halved.
so we are in a downwards spiral situation where very rich people still got all the power to milk everyone else dry.
zool201975
If you pay €544 next year you certainly have no reason to complain at all. The lowest premium I could find for basic insurance is €98,50 a month with an own risc of €385 for 2019. Still, that's nothing compared to the example in the video. The Dutch saying is true: klagers hebben geen nood.
+jhcFight Meh too obvious of a troll try harder.. also another troll with a name hinting at it right away..
i bet you are the runt of your mommies litter...
@@jhcfight It's considered one of the best, if not THE best in the world.
As a dutchman, yes we will moan about the 385, but at the same time, we're dutch, we moan about everything ;)
Something my grandmother always told me is: "Klagende mensen hebben het goed"
Short end for the dutch healthcare, we pay for eachother. It is mandatory to have health insurance. If you have a low income, the government sends you money each month to pay (a part of) the cost. Some people end up paying without ever using the system, some people are chronically ill, they get comparitively real cheap care.
You get all the care you need within reason, something life threatening?, cared for. But if you need something that is not neccesairy like plastic surgery, be prepared to pay for that yourself.
One for all and all for one. We care for eachother.
Another thing is you can sometimes get cheaper deals with the company you work for. They make their own agreements with companies that provide healthcare.
wow i have you as steam friend xD thats pretty random to find you here.
Vergeleken met het Amerikaanse zorgsysteem is ons systeem natuurlijk geweldig. En ik vind het ook super dat wij als Nederlanders voor elkaar zorgen. Het enige nadeel vind ik wel dat ik bijvoorbeeld als 'arme' student de dokter en tandarts koste wat kost vermijd omdat ik uiteindelijk toch het grootste gedeelte zelf betaal, maar dat ik ondertussen veel mensen in mijn omgeving heb die onterecht een uitkering hebben en voor de mildste verkoudheid al bij de dokter staan.. Want voor hun word toch alles uiteindelijk wel vergoed zonder dat ze er zelf voor hoeven te werken.. Maar misschien ligt dit probleem meer bij het uitkeringssysteem dan bij het zorgsysteem.. :P
@@esmiraldajonker1244 ik heb een bijstandsuitkering en zit best vaak bij de dokter. Ben chronisch ziek helaas, waardoor ik mijn bedrijf verloor en van een goed inkomen hierin ben vervallen. Maar ik moet steeds meer zelf betalen hoor. Medicijnen, specialisten. En dan heb ik het niet over een verkoudheidje, neusspray of plastische chirurgie. Het zijn noodzakelijke dingen om het leven dragelijk te maken. Ik geef toe, als ik in Amerika had gewoond dan had ik misschien gezegd, geef maar een spuitje want ik kan dit allemaal niet betalen en wil niet dat mijn familie bijvoorbeeld voor de kosten moet opdraaien, dus wat dat betreft is het hier beter, maar helaas ook niet voor iedereen zoals jij het beschrijft.
I'm Dutch and always assumed we paid a whole lot for our health insurance here in the Netherlands until an Americsn friend told me how much she spent on health insurance for her and her son in the USA. When I spent a few days in hospital for surgery some ten years ago I didn't pay a penny and never saw a bill. When my American friend spent time in the hospital it turned into a nightmare of bills and high co-pay etc. I have since then never complained about our health insurance again.
Maeglin34 Yes. Once you are in the hospital you realise that what you pay, even taxes included, is fine and you are so grateful for our system...
if you have "resitutie verzekering" you get a bill and need to pay first and insurance gives back later. However this insurance lets you pick your own hospital, surgeon, doctor etc. It's the most expensive version of insurance
we actually do the system is commercial now for a few decades and the costs go up while the care goes down.
right now the dutch insurances rake in a hefty 7 billion euros profit per year.
and this is PROFIT nor the turnover which is MUCH MUCH higher. the 7 billion profit goes to shareholders and the leaders of the respective companies. and it gets worse every year.
the prices are so high now that more then half gets funds from the government (taxes) and most of it goes directly in the pockets of shareholders...
so yeah we shouldn't compare it to the US as it gives us a false sense of it being ok. it jsut is not.
medical personal are being underplayed more and more as also commercial medical centers try to milk every penny out of everyone involved.
we need to nationalize that shit again and take away the profit motive which is NOT a quality motive.
7 billion profit per year for a legally imposed service..
let me remind you again this is not the turnover this is what they get in their pockets.
this controversy popped up 4 years ago and has not changed.
and as for stocks they pay their stock holders by forcefully upping its value by forcing the clean profit to go up by demanding unreasonable price increases on monthly payments..
so we are legally bound to companies that use us as product for the customer named shareholders.
now lets see lets divide that 7 Billion euros over 16 million people..
oh look that means every citizen man woman elderly and children cough up a 430 euro's extra per year PURELY to line someones pocket..
now are you willing to do that? especially when you are legally obligated to do so?
and Never use an excuse that somewhere else on the world is worse so lets not fix anything.
am am just not in the fucking mood to have a healthcare that could nearly get halved in costs right now if the fucking profit margin is removed by just the insurances alone..
+george lucas.. this is a post on a website of private organisation that was conjured up by the various healthcare insurances. please also check the source. its like asking a nazi if fascism is bad :( you already will know the answer right.
ofcourse they will also go for scapegoats even if this is the case then it does not change the fact they are sitting on a pile of private owned money that collectively grows 7 billion a year...
the only reason this will also increase our costs is because they do not want to lower their profit. and they do not have to because our current government is 100% willing to go along with any of their .. suggestions.
perhaps their profit can be a tad lower this year around and no one has to pay more. because this supposed issue with medical centers is on TOP of their standard yearly increase it already has been increased this is them demanding even more..
while the opposition rises because there is no clear reason why their PROFIT has to be so absurdly high while times are getting "harder" if this was NOT a business wed at least see that 7 billion being used in other social aspects of our lives.
also if there is a one payer system here we have MUCH more leverage to those privately own hospitals..
another thing i am against to be honest. in the end there motive is profits too.
i am fine with businesses doing this but hospitals are not a business model with customers that can walk away when not agreeing in more then just a few cases.
the bullshit is that there even have to be special negotiations between companies in this regard.
people should not be able to make a business model of my health nor yours.
I guess the people who don’t like the dutch healthcare system do not have any health problems and never have to see a doctor🤷🏼♀️ I’m chronically ill so my bill would be out of this roof without it. Im over my own risk with in one month. I’m so glad we have this system, couldn’t live without it... litterally 😂😂😂
I pay over €166.- a month and never needed healthcare, so it kinda sucks.
@@dutchgamer842 Get a cheaper health insurance then, lol. Now (december) is the time by the way!
The current insurance covers costs abroad for everything I need. So it's more to be safe if I would go abroad and something happens. like an accident or so. Not actually for being sick.
That's the point of insurance. Everyone pays a bit consistently. If young people nope out, the whole system breaks. See: America.
@Dutch Gamer well our healthcare isn’t that bad. It could be a lot worse
My dad (who lives in US) had to get eyedrops from the dermatologist last week. They charged $295. We checked what the same stuff costs here in NL and it's €4,95. That's insane!
I guess the $295 bill was including the service of the dermatologist and not just the eye drops? A visit to a dermatologist in The Netherlands is also subject to your deductible.
I had to go to urgent care because I had a scratch on my eye and it was almost $200 for 15 min of their time to tell me I need drops.
@@ivokouters3415 no just the drops.
@@LilyEvans1996 it's crazy
I've found your videos a couple days ago and have been bingewatching them all. They're really interesting. Keep up the good work! :)
Thanks so much Anne! ♥️
Same. I really like your videos
Same!
learn from this vid.
Voor de volgende zorg uit het basispakket betaalt u geen eigen risico:
huisartsenzorg (waaronder de huisartsenpost);
verloskundige zorg en kraamzorg;
bepaalde zorg bij een aantal chronische ziekten (diabetes mellitus type 2, COPD en CVR). Bij de behandeling van deze ziekten zijn verschillende zorgverleners betrokken. Bij bijvoorbeeld diabetes zijn dat huisarts, diëtist, podotherapeut, apotheker, oogarts en fysiotherapeut. Dit heet ketenzorg;
wijkverpleging;
nacontroles bij orgaandonatie;
reiskosten bij orgaandonatie.
Lets translate this as I wanted to say the same:
The 385 euro's own risk excludes the following:
General practitioner (including nightly visits to general practice center)
Obstetric care/maternity care
Some types of chronic diseases like diabetes, COPD, CVR, this includes general practitioner, dietician, podiatrist, pharmacist, eye doctor and physiotherapist.
District nursing
Aftercare by organ donation
Travel cost by organ donation.
I would like to add, our system is awesome, it's The Netherlands first and America not even second (:
Diabetes 2 gaat ook van je eigen bijdrage af hoor
All costs could be covered if there wasn't for corruption, greed and wars. We all paying for. Alle kosten kunnen gedekt worden als er geen corruptie, hebberigheid en oorlogen waren. Waar we allemaal voor betalen. It's time for actions, strikes and tsunamis of e-mails. Het is tijd voor acties, stakingen en e-mail tsunamis. It's time for people world wide working together for freedom and social rights to have a good quality of live. Don't shit each other. Het is tijd voor mensen om wereld wijd samen te werken voor vrijheid en sociale rechten voor een goed bestaan. Besodemietert elkaar niet.
@@akbarallardfreichmann2938 We try to explain the differences between NL - USA, but please never write the word social, for the yanks are brainwashed about that. ( for them it is communism)
@@hexasides6411 insuline is $300,- per flesje in Amerika. Lucky you.
Btw, the own risk... if I get cancer this year, 2019, the treatment starts 2019, I pay own risk in 2019, but the next year, I don’t have to pay own risk on already initiated treatment.... so no own risk for the cancer treatment (that started in 2019) in 2020.
4258 dollars?????????????????????????????????????????????????? Who can afford that?
Me
@@suboxb7698 I can afford that too, but it's just way too much
@@suboxb7698 it's insane
I wonder how many Americans are in debt because of the " own-risc" . Must be a lot.
@@mandybisseling5997 probably 10-30% of us
There is even a 'zorgtoeslag' for poor/ less rich people. Than you get some money to help you to pay your healtinsurance. You have to arrange it yourself, you have to fill in a form and they check your income and sometimes if you income was bigger than the previous year you have to pay back some money because you got to much zorgtoeslag.
He talked about that.
I have this too. You can apply for it as a student. Calculated I only have to pay 15 euros a month for my insurance. I can't even fathom the high prices Americans have to pay...
@@0gmo but he made it sound like you didn''t have to pay the eigenrisico which is not true you still have to pay that
@@korikoran if you chose the cheapest one your insurance is cheaper than the zorgtoeslag
@@hieonkd9572 no. to both.
Being from the Czech Republic and having lived in Scandinavia, where all healthcare is completely free, the costs of Dutch health insurance hit me hard. So there is another side.
You've been in the Netherlands on vacation?
@@love-vy1ry No, I live there.
One of the main reasons that it isn’t completely free in the Netherlands is to still have a boundary before people go to the doctor. You don’t want people to go to a doctor for nothing. That is seen in the UK with the NHS. There are long waiting lists and people who can afford it will go to private clinics to be treated earlier. Though the “huisarts” (family doctor) also helps with this, because you have to go to this doctor before you can get an appointment in the hospital
I never understood American healthcare but you explained it pretty well. Imo for such a wealthy country its insane the healthcare and overall cost of living is so high in the USA. It's rediculous that you only have acces to good healthcare if you have a certain job thats just dumb. I'm glad I live in the Netherlands for that, no offence!!
There are jobs in The Netherlands that next to working there also offer you a discount on health insurance through work because the mass-membership allows the company, or sometimes the workers union like FNV to negotiate good prices (I work in the media and the health insurance through the FNV I think gives me free physiotherapy, but it does not cover some other costs (that you could consider reasonably mandatory since I will probably need to take them for the rest of my life) that I need covered, so, that was not really an option. I think I was offered it as well, even though I work 8 hours a week on (currently) a 6 month contract.
@Sara SL Yeah you're right! I learned a lot more about the american culture and other countries in general because I'm interested in that. It sucks that it is the way it is, but in this world everything evolves around money sadly. Plus if it was spread evenly then everyone would have millions that's how bad it is.
the reasons we still complain about our health insurance rates are:
- they used to be better before privatisation
- we like to complain
@@fennie024 i definitely agree, i think it's a natural consequence of years of VVD...
My parents had American friends. I remember the woman told me that someone in their family had been very sick and had HUGE medical bills. They were so high several people of the family had to sell their houses so they could pay the bills. I'm not sure if it's true, but she said that if the person himself can't pay they will go to other members of the family?
In developed countries, health care is considered to be a human right, as in the Netherlands, in Germany, in Sweden, i.e. in the whole civilized world. So the U.S. clearly is an underdeveloped country, since it actually kills its under-priviledged citizens by denying them medical treatment.
I do not know the details of the Dutch system, but it seems to be rather similar - give or take - to systems in other European countries.
I, being a Swedish senior citizen, with a somewhat failing health, would probably be dead, or at least bankrupt, were I to live in "The land of the free". Now, fortunately, I am not, but live in Sweden, a country rather similar to the Netherlands in many aspects.
Yes, I pay taxes - as a retiree - some 30 percent on my income. When I earned more, I obviously also paid proportionally more.
High taxes(?) Depends of what the money coming in is spent on.
I go to the doctor, and use other medical services rather frequently.. A visit to a doctor costs me USD 24, a visit to a nurse USD 12 - tests, any tests - included. The maximum cost - to me - for a twelve- month period is roughly USD 120.
As for medicine - I consume quite a lot of prescripion drugs - I need quite a few to feel well - I pay roughly USD 250 per annum, then the health insurance cuts in.The message being: I can afford to be ill, even if I am not a millionaire.
Greetings to my american friends and to
"the so caled" president Donald
The Dutch system exists since 2006. Before then, we had two health insurances. The social "Ziekenfonds" was for people with a low income and was compulsory. People with higher income could take a private insurance or choose not to take an insurance at all. In 2006 health insurance became compulsory for everyone.
Dear Joey. We pay our own insurance which is about 1300 to 1500 euro's a person a year. On top of that comes your 'own risk' of 385 euro's a year. But that is not all. We also pay 'Premie Zorgverzekeringswet' Premium Health Insurance Law). And if you have a job, your employer also pays 'Inkomensafhankelijke bijdrage Zorgverzekeringswet'. (Premium Health Insurance Law depending on income) If you don't have an employer, you pay a higher percentage for your 'Premie Zorgverzekeringswet'. These premies (premiums) are being collected by the tax-office - you pay it as tax. All in all, with an average salary, you pay about 8.500 euro's for Health Insurance a year. Less than 2.000 euro you pay to the insurance-company, the rest is colleted through tax. The State gives part of the tax to the insurance-companies, part of it is used for the elderly, handicapped etc. The reason this is so complicated is part history but also to confuse people. No suprise you didn't know about it. Most Dutch people don't know. But I am a tax-consultant, so ... People are usually very suprised when I tell them. Anyway: in fact people with an average income pay about 700 euro's a month. If you earn more, you pay more - the maximum is about 800 euro's a month. With a low income or on social security you indeed pay less or even almost nothing. But ... not so cheap, huh.
Important difference: You can have health insurance for "1300 euros" a year, even when you don't have a job; and when you don't have a job you'll get those 1300 euros. For US citizens the health insurance (not the private ones) are also through their income, but it's simply not the state that collects it.
If only 2k goes to the insurance company, then I don't know what your point is. We collect taxes to provide a life for everyone. If the money doesn't go to the insurance company, you can not say the insurance is expensive, it's the social security laws outside of the insurance.
I'm dutch and I never think about how I'm paying more by taxes. I almost forget that I pay them, because everything is collected automatically and I will never have the money in my bankaccount. So I don't know much about the different taxes I actually pay. After reading you're comment I looked into it and I can't find everything you say on the government (belastingdienst) webpages. I read about the part that's dependent on your income (that your employer pays, as tax), but the other premium you are talking about I can't find anywhere. Also to my knowledge I'm not paying any taxes connected to healthcare apart from what is taken from my salary automatically. So I'm confused about how I would be paying anything else, even when I would not have a job.
Also I'm trying to calculate along with you. If I take "het modaal inkomen" before taxes that's 2800 euro's a month. When trying to find what would be left after taxes I find about 2100 euro's (of course that differs a bit depending on the job you have and the "CAO" for that job), so that means 700 euro's of tax payed. According to your calculations around 500 of that (6000/12) would be for healthcare. According to the tax-office the percentage for the income dependent part (the only part I can find about) is about 7% of your income before tax. For an income of 2800 euro's that would be 200 euro's. That makes me wonder how you ended up with a number that's more than double that. Is there a healthcaretax I don't know of? Or did you use an average income that is more than twice the "modaal inkomen"?
if you don't have a job, you still need healthinsurance, and not they don't pay the full instance then. That would be a socialized system. The Netherlands isn't a socialized state.
"On top of that comes your 'own risk' of 385 euro's a year. "
Just to clarify; the "own risk" is not "on top of" the 1300. It's a limit of medical expenses that you have to reach before the insurance starts paying out (for certain types of expenses). If you are unlucky and run up bills that all fall under the "own risk" then you may have to pay the first 385 euro's of your medical bill yourself, but it's absolutely not the case that everybody has to pay 385 every year.
"in fact people with an average income pay about 700 euro's a month."
There is a difference between "pay" and "don't receive as income".
I you go the Dagobert-Duck route; you pay 30-50% of your income in taxes for all kinds of shit you'll never use or need. You can complain about it, or you can be realistic
In fact, the employer pays some 6% of salary with a cap of some 3.500 e.
I knew health care in the US was fucked up, but did'nt know it was this bad...
Hahaha sorry, I'm one minute in and you're saying; 'It turns out healthcare is so complicated' and I automatically hear Trump's voice echo-ing in my head, with his infamous speech-moment; 'Nóóóbody knew...that healthcare could be só complicááted."
xD
😂 😂 😂
As a Dutchie, I've been interested and fascinated by this specific topic for years now. I've watched docu's about US healthcare, I've talked to other Americans about it.
and I just don't understand how all of you do it. Just, living life. It's scary as hell. It feels like your own country does nothing for you in terms of your health. And doesnt give a shit about the fact if you live or die. I don't understand how you do the normal things, like having kids. It freaks me out to think that your kid would be born premature for example, and having to pay millions of dollars.
I could never live as an American. I'm attached to my wealth. Just let me ride my bike in peace, without being scared to break an arm. ;)
Hey Joey: Small correction here: a regular visit to the doctor, maternal care, or care that's covered under your 'aanvullende/additional' insurance will not deducted from your 'own risk'. Only when you need hospitlization after a visit to your doctor, you will pay up until your "own risk"
I`m Dutch and have been paying for over 30 years and never had any big bill or such, and i`m happy that my money helped others .............
Health insurance in Belgium is even cheaper. We pay around 120 euro a year. Additionally, you can optionally take a hospital insurance (around 120 euro), dental insurance (90 euro),... a year. But we do need to pay a small amount of our bills ourselves: Visiting a MD is 4 euro, blood work is around 15 euro, a specialist can be around 20-30 euro, etc out of pocket.
As a 18 year old you get zorg toeslag in the netherlands, it is basically a thing for young people to pay the insurance. So if you got a €90 monthly fee, you maybe pay €10 or so, this is so good
Yet the Dutch insurance system is slowly eroding. The base insurance covers less and less every year. Take teeth restoration after an accident. That used to be covered by the base insurance but now you need an extra package for that. My medication for hay fever used to be covered until they took it out years ago. They also took out certain birth control drugs. Coverage goes down and the cost goes up. That deductible is a joke and only punishes people who actually get sick which entirely goes against the spirit of everybody paying everything for all healthcare.
Healthcare should be free. It's free in a number of European countries. They simply merged it with the tax system. All you need there is an address to prove you live there and you're covered for all medical costs. In The Netherlands the rules change every year. Contracts change. Coverage changes. It's a hassle having to compare all the care policies from all the companies out there.
Of course as an American it's heaven. The US healthcare system is a joke in terms of cost and organization. The level of care is great but the system favors people with money. And what makes matters worse is all the unnecessary checkups like extra MRI scans just to be sure but those are really expensive. The Dutch system is balancing much more between necessity and cost without increasing the risks for the patient. Had the American system done the same then health insurance would've been affordable there too. This is why even the Dutch insurance plans cover worldwide except the US.
One last thing. The own risk (deductible) in The Netherlands does not count for visits to the huisarts (house doctor or GP). Lots of people don't know that. GP visits are always covered.
Very interesting...I want to look into this for sure, thanks for the little eye opener.
You're welcome! A small addendum. I've been living abroad for several years now so things might have changed somewhat since I left so you gotta check certain details again.
One more thing just popped up in my mind. Dutch insurance plans typically only cover upto Dutch treatment costs (they describe it as something like "100% Nederlands tarief"). So for any treatment that's more expensive than in Holland you need to pay the surplus yourself which can get crazy. In some cases that can be even life threatening because in many of the more exotic countries they won't treat you at all if they think you can't afford it. Serious stuff but easily avoidable by taking extra travel insurance which doesn't cost a thing really. Then you have nothing to worry about anymore.
Yep. If we keep voting VVD/D66/CDA we will slowly Americanize in all the worst ways. Corporate and the rich have more and more influence over our politics as the wealth gap increases.
Last years the rate of “uitkleden” has gone down considerably, not much has changed. You must consider that costs of healthcare go up considerably every year so the “uitkleden” makes some financial sense, but believe me, by far most vital care is still in there.
The reason for the costs to go up is that a) people keep on getting older and b) ever more diseases can be treated and/or cured, adding to the number of (often expensive) treatments that are performed, where we used to just die or needed to accept the consequences of our diseases and accidents and c) pharmaceutical companies do a lot of good things, but also often overcharge more than they need for their research.
Now b) may be less of a problem, since they also find cheaper and better ways to treat, which both reduces healthcare costs. c) should be addressed more thoroughly by the government or the EU, even though we see things already changing a bit. A) will keep on increasing costs.
Teeth was never in the basic insurance, since 2006 when they introduced this system you had to get extra dental insurance.
Some things are not part of the own risk/deductible. So if you go to your gp/house doctor, typically you don't pay for that at all. Medication for chronic diseases you only pay the first time you pick them up, afterwards the insurance pays.
The Dutch government forces the insurance companies to take on chronically ill people, or people with pre-existing conditions, which the us system won't take on at all, but those are the people who need or the most.
In Belgium you pay 80 Euros per year and additional insurance or hospitalization insurance is 114 to 250 per year depending on your age. The last one isn't obligated. But the basic health insurance is obligated by law . The price is low because we pay alot of taxes
Costs are also some 6% of wages to be paid by employers. For lower incomes the governments pays up to 87€ a month as grant.
My goodness! That is expensive!!! Thank God for our system! Nice work Joey (I always give you a like before watching, because I know it's gonna be good). Keep it up!
SO sweet thanks love! ❤️
i remember going to new york and finding out from people theres a big price tag attached to an ambulance ride. That blew my mind. from there on it got worse and worse. we have it so good here. Another benefit of everyone paying for healthcare is that there is a set budget for the gov to maintain the hospitals. That maintains healthcare too. the downside is that that budget sometimes doesnt cut it for hospitals.
Loved the video! keep em comming bebe!
Thanks baby doll, yes the price for an ambulance ride is insane people will rather take an uber to the hospital than an ambulance in an emergency.
@@JoeyJaq holy moley that is absolutely ridiculous!
Not only that, but there's a good chance you won't get the same emergency care in US ambulances compared to Dutch ones.
Dutch nurse in an ambulance, compared to (possibly) an EMT who can't even give IV narcotics.
@@doncoleman4938 as in lack of skill? if so, what is their training!? im licensed in resuscitation but i wouldnt dare to ride an ambulance.
It's not lack of skills per se, but a lower skill level. Because a lot of US services focus on profit over patients, there is a tendency not to train staff to the same level as in other countries.
It's not the fault of those who work in the ambulances. They're nearly always keen and enthusiastic. But if you compared skills found in a Dutch ambulance compared to US, there's a huge difference.
Besides my normal health insurance, the company I work for provides me also with additional benefits like a free 24/7 accident insurance, in case you get a sever accident of get disabled. In that case you get a aliment for life.
Besides that they provide me with two additonal benefits, like unlimited Physiotherapy, and other benefits like free help for stop smoking, free gym for losing weight or even a extra deduction on dental care.
We Dutch always complain about everything, but I'm sure they would change their opinion if they'd stay in an other country for a while with the health care there or other things like social money. Unemployment and in my case disability. And then, although we complain about it, elderly money at around 67. Many people don't even realize, most countries don't have that AT ALL. Elderly have to keep working till they drop.
Don't forget that complaining is Dutch sport number one! And it basically got them where they are now.
@@jhcfight Not too bad then
I agree...we Belgians make the same mistake
Je begrijpt toch ook wel dat werkeloosheid wordt veroorzaakt door corruptie en hebberigheid. Als we nou samen zouden werken tegen corruptie en hebberigheid dan zou werkeloosheid kunnen verdwijnen. You do understand that unemployment is caused by corruption and greed? What if we worked together against corruption and greed?Unemployment could disappear.
@@akbarallardfreichmann2938 Niet alle werkeloosheid wordt daardoor veroorzaakt. Is belachelijk om dat te denken.
The own risk only seems like a bad deal if you’ve been lucky enough to be healthy for a long time. I had a big medical bill a few years back and the own risk was nothing compared to what the health insurance payed out. Most people won’t end up paying the full amount anyway, since your family doctor is always fully covered by insurance. So most people might have to pay a few bucks to have blood drawn or for specialist care.
The thing I actually like about own risk is that if people have insurance, they will take more risk, own risk takes care of that. Because people need to pay for the first €385, they will be more careful, because they don't have everything covered. Also, what you might not know, is that you can also choose your own own risk. If you think you won't get ill, you can choose an own risk much higher. If you have the own risk that is higher, you won't have to pay as much of the general costs.
Another thing I love about the Dutch way is that the GP is actually free of charge for everyone always. It's not even own risk. So if there is something you can always go to the GP
I'm Dutch but living in Switzerland and my monthly health insurance premium (krankenkasse) is 300 CHF, which is about 300 USD. And my deductible is 4000 CHF. So I'm on a US system basically.
So I have been in LA, and someone stole my Ritalin in the hotel ( I guess to sell who knows)... so I had to go to a clinic and get medication..
Cost: 300 euro just to see a docter... to read my official papers ... and then gave me a 3 dollar medication...
BLESS me.. for actualy be ABLE to get the money back from my insurance... I kid you not... I was shocked.. also the wait time.. and they checked me.. my weight, blood pressure .. like everything..
I waited total 3 hours.. why??? to be sure I am not able to sue them in case stuff gets wrong...
Thats the awnser of the doctor who checked my bloos pressure and weight...
I just needed 6 pills... I was at the end of my vacation..
Total cost? 303 Dollars...
For just 1 stupid visit...
And took me forever to find out to get my meds at CVS btw XD
I got SO much respect for the Dutch system after that,... I can get the money back.. all the american people can't...
It is just sad... I feel spoiled ever since.. and happy my meds got stolen.. to just see how expensive USA is ... and how weird their systems are..
also funfact: Ritalin in USA is green.. so It cant be sold as cocain or speed... while in europe, its white ;) the normal color.
I kid you not 😂
Thanks for your clear opinion.Yes the Netherlands healthcare is a extreem good system. Also the highest standarts hospitals.
We also pay a large amount of taxes to pay for healthcare in Holland. And the employers pay additional taxes. And those taxes can be huge if you earn an average salary.
And no, your “own risk” does not kick in when you go to your house doctor.
I am in germany. It is not the same but similar. My son was sent to hospital by ambulance with icu for some days. They did a lot of tests including drug tests. It was an infection that also attacked liver and kidney but they never found the virus. Still the sent a bill about some thousands of Euros - for information only, nothing to pay of course. The system is a bit different with us. You choose an insurance (they have minor differences) the cost is nearly the same for all, the money is didacted from the salary. You might pay a few euros per month for extras (if you want a full cover of dentist costs, not 50% only). There is private insurances too, they are cheaper when you are young but a rip off when you get older. You pay ahead and get refunded by the insurance. The doctors love the instant payment (they get more money from that too). There is a suspiciously higher amount of surgeries in that part, maybe doctors of creative surgery make some extra money there...
Sorry Joey but the Dutch system is financed not just by the nominal monthly fee.
The total costs are covered for 50% by income dependent mandatory fees (= form of taxation) specifically for health insurance, just check your payslip!
The other 50% by nominal fees (insurance premiums), own risc (deductables) and government funds (from general taxation).
All in all still lots less then the health costs in the USA!
Mmmmh, it is not less than in the US. If you have an average salary, you pay about about 8.500 euro's a year. Per person. But: for children up to 18 insurance is free.
@@mdeleeuw6272 - How did you calculate that? According to my calculation you pay about 211 a month to insure a whole family.
@@mdeleeuw6272 I was talking about the costs for medical insurance per capita or insured person, THEN the Dutch system is a lot cheaper then the US system.
Remember the old Dutch system before 2006, if young the premiums for voluntary medical insurance was lots less then through the "ziekenfonds".
My original posting is correct when using aggregated numbers, not in all individual cases.
@@maryhunter6389 Read my original post.
@@ervie60 - How does your original post answer my question to M. de Leeuw?
For the Dutch Insurance: pretty sure it can go higher then 120 euros and lower then 95( considering you get additional insurance support from the government if you have low income)If you got all teh additional add ons I am sure you could go up to 180 or so( guesstimating). While I was a student I think I payed about 30 euro for health insurance...
OK, so after listening to this vlog I would like to say how much I love Dutch health care. Almost 11 years ago I gave birth to an extremely medically fragile child. He spent 7 months in intensive care. He was born in Belgium, because the Netherlands didn't have the medical expertise and it was paid for by my insurance. My son, after 10 years is still medically fragile, as in, he wouldn't survive without intensive care - so instead of paying for him to stay in hospital - they give me the money to take care for him at home. He is thriving and we are blessed. I am in touch with families in America (as my son has a very rare syndrome) and was told that babies get abandoned in the intensive care because the mothers can't afford to care for them. Those babies go into the care system. As a Brit, I would say that the Dutch system is even better than the NHS (gasp! - considered blasphemy to say this!). The availability of specialists, the lack of waiting times to see a specialist or receive care - in fact they appologise if you have to wait more than 3 weeks to see a specialist!!!!! Living in the Netherlands, the health care is an unexpected and welcome benefit.
My god, I already knew the American system was expensive but it’s even worse than I expected. The organisation of the insurance also sounds so complicated. Personally I’m also a fan of the Dutch system although as you said some people have a different opinion, but really we could have it so much worse. Thank you for the clarification!
Yes the organization is so complicated and just not as fair.
to be honest, in my personal opinion, most of the complaints on the Dutch system are made without knowlegde of worse systems. not that these complaints are without warrent, but compared to the US system, we have nothing to complain! but we Dutch just like to complain.
i'm Dutch and i just really love to see these video's ! About how an american thinks of our country and also to hear about the difference :)
Please talk about the difference between school systems ! (School age 4-16).
We have a good health insurance system! No complaints from me. I'm a cardiac patient and each January or February I pay my own risk (eigen risico) and I'm done for the year, only have to pay my monthly payment. I'm content with that, I know how much research cost each year (scans, mri, meetings with specialist, medication etc). I will never complain about our health insurance
Hoi Joey, a large part of Health insurance in the Netherlands is paid through taxes. It's more expensive then you think.
Before, we had €0 own risk, that’s a lot better for people who are ill for a longer time or just don’t have enough to go to the doctor when they need to. But... we absolutely can’t complain. There are flaws in the system, for my disease nothing is covered, I paid 100s of thousands to get a bit better. But here it’s still better than how it’s in the states if you look at the avarage
I want to ask a legitimate question because I am oblivious and I want to be educated...is the own risk of 385, really too much for people? I know I have a pretty good job and it doesn't seem like it to me, but my impression is that usually most dutch people have a good income? ♥️
Joey Jaq A lot of Dutch people have a good income, yes. But there are also a group of people that do not have just enough money for food.
@@jasmijn6285 Do those people get help to pay for their health insurance from the government?
Joey Jaq I don’t really know. I guess so? 😬
@@jasmijn6285 Cause im wondering if those who can't pay for it get help from the government for it then there actually is no problem right?
I moved to the Netherlands on Dec 2 from New York City and I couldn't be happier.
In the Netherlands we have healthinsurence, own risk (eigen risico) but also 'eigen bijdrage' again €385,- and less and less medicine and specialistic care is in insurance. So I have to pay my medication, fysiotherapy (only a part is in insurance), dentist, some specialist so it's not only the things you said. And especially for the ones in welfare (bijstand) it's really a lot. We get only €961,- per month to pay everything. A lot of people cannot manage the healthcosts anymore. When I was young we had only government or private insurance, we called it ziekenfonds. You paid them monthly and you got everything for free. It depended on your income how much you had to pay. If I'm correct it was like F70,- for me (F was the old coin, in € it would around €32,-). So for us it's a big difference in not so many years. That's why we are freaking out about it. Think of the ones in wellfare, because if you have to pay €200,- a month of only €961,- you get, you understand it's hard to pay your house, water, Electra, food, and so on. Especially when you're not used to it. So it's because of the change, but also rich people pay the same as poor. Maybe that could be a difference too. What is the income of an American in wellfare? And how do they spread it on housing, health, food and so on? And we sometimes have to wait months to see a specialist. How long are the waiting lists in America?
385 is not a big deal. If you have 115 insurance, put aside 150 (115+35) and you're covered for the own risk too. ANd if you don't need the own risk, you have a nice $400 at the end of the year to spend on Xmas stuff. Win win baby!
I've also had 2 surgeries, both near end of year, so paid like $60 on about $80,000!
Don’t forget. In the Netherlands when you don’t meet high income requirements the government wil actually give you around €100 each months for your €110 a month health insurance bill. I only pay €18 a month technically.
Oh and seeing the house doctor (general practitioner) is always free and isn’t charged as own risk. Same with some medication.
I love those video's where you are comparing dutch and american things, because it's a huge difference between the two countries according to what you are telling from your own experiences.
I love being dutch hearing what americans could struggle with paying their health insurance 😯
Gracias Joey, this to me is your most interesting video as it is about something I always wanted to know more about. We in NL of course hear too much about the health insurance issues in the US, but your information "what types of health insurance are there in the US... what do you pay per month on average (for each) and what do you then get for that.. what's the own risk?" answered all I wanted to know and planned to dig into one rainy day... probably at the age of 60 hehe. Muchas gracias por explicar! Everything's answered. This is exactly what I always wanted know 🙂
Moved here to Amsterdam this past December. Family of 5 and 4 of us have used our new NL health insurance . One was a major hospital broken bone issue. 3 kids all covered for free because they are minors. I have not seen a single bill since using NL insurance for 4 of my family that has used their insurance. My American self keeps opening the mail box expecting a giant bill from the hospital. Months have gone by....nothing in my mail box. It is amazing and a huge relief because I was always in debt to medical stuff in the USA after paying my insurance monthly $950 for my family. The care that we have received in the NL has been far superior to any care I ever received in the States.
One year I did not apply for Obama care after a job loss and insurance loss and I did have a fine on that years taxes. If I remember correctly is was in the $450 range based on that years income.
Don't forget the fact that with the €114 we have to pay every month.. a lot of people receive allowance from the goverment. In that way I only pay about €20,- per month for my insurance. But I think that depends on your income (I'm just a poor student).
114 a month I still think is expensive. In Belgium I pay 158 euros a year!! To give an example, I went to the dentist today and I had a picture taken of my wisdom teeth and a check up. I payed 118 euros. From my health care insurruance I get 94 euros back! So it actually only costs me 24 euros!
Now my Q would be..Would the dutch system as it is work in America?
Ik vind dat je helemaal gelijk hebt! We zijn bofkonten dat we zo een goed geregeld gezondheidszorg hebben , toch heb ik een kritiekpunt: Wij hebben enorme wachtlijsten hier in Nederland. Iedereen kan zorg betalen en daarom duurt het zolang totdat je het werkelijk krijgt. Zelfs een simpel gesprekje bij de huisarts om een wondje kan weken duren. Dit vind ik een enorm nadeel.
Let me correct some things. Yes we have basic health insurance and you can add some extra stuff like for example an insurance that will cover your glasses, contact lenses, dental care etc. And yes there is an own risk but that doesn't mean you only have to pay 385 because the things you added to your basic health insurance are not included in the own risk policy, that only covers the extra costs you might have from things that are not completely covered in the basic health insurance. A few years ago I had about 1000 euro's extra costs for dental care alone and used my own risk for basic care I also needed that year. All in all pretty expensive (for a Dutch person ;) ) But then there is something else, you can get some money back from the government (belastingdienst) if you made extra costs next to your own risk by the end of the year when you fill in your tax forms. It depends on your income how much you can claim and get back though. And lucky me I get zorgtoeslag from the government otherwise there is no way I could pay my insurance per month.
it still is ten times better than no healthcare system or a bad one like in the us
Didn't know they force you to get it and take the money, im not ignoring the blue evelops.
Actualy, for Northern European standards, the dutch health insurance system is one of the more expensive ones. I live in Belgium, but i know a few people who live in Zeeland and work in Belgium, and know some who lived in Belgium but moved to Zeeland. And the Dutch insurance system is much more expensive than the Belgian one. 114 Euro per month is insane to a Belgian. Although we do pay higher income taxes and a flat health care tax of 13%. But that is calculated on your paycheck and held back before you are paid so you don't realy notice. :)
I pay 25 Euro every 3 months, and a once a year charge of 75 Euro. We do pay a little bit ourselves at the doctors (5 Euro) and in hospital, but not a lot. I broke my shoulder two years ago and in total, with emergency services on a holiday, 5 check ups with MRI and X-rays, and 6 months of kinesitherapy, it all cost me less than 700 Euro.
My dutch friends are always surprised at how cheap it is here, and how expensive it is in the netherlands compared to over here... Off course it is still nothing compared to the US. :D
Also take in consideration that we pay A LOT more income tax in the Netherlands compared to the USA, a lot. This is also used by the government to provide people with a lower income to get the 'zorgtoeslag'. So in fact, we pay for this ourselves, if you are lucky, you are rich and healthy, you pay health insurance and tax to pay for the 'poorer people' too. Still the amounts of money in the US are creazy, I would agree
You did not talk about the crazy high costs a hospital stay, ambulance ride or surgery. That is also a big difference between the USA and Netherlands.
you dont have to pay own risk always .going to the doctor is not a problem but if you must do a blood test or have surgery then you have to paythe 385 at the end of the year
I live on social benefit ATM here in the Netherlands and can easily afford to pay for health insurance.
I do get a monthly sum from the government to pay part of it.
The 385 euros is a bit too much in my opinion. I think a lower amount would suffice. Luckily that doens't include you general practitioner, thats "free". Just a small tip, you can choose your insurance and one of them --> DSW gives you an option to include your own risk of 385 euros in you monthly paid price and everything you don't use you get back in the end of the year as (kinda) a small savings account.
In Nederland public Healthcare is a public service whereas in America it's BIG business! $$$!
Still it is big business in the Netherlands aswell. It might be better then in the U.S., but it is still not good.
@@lindaraterink6451 oh....believe me Linda...you guys don't realize how expensive Healthcare is in the USA. Healthinsurance costs me approximately $500/month and covers only a fraction. Medicine is all out of pocket expense and then there are high deductibles...😖
Ik weet dat het buitensporig is in U.S. Nederlands is wat dat betreft stukken beter dat snap ik. Maar als je ziet wie letterlijk gestraft wordt door het Nederlandse systeem en dat zorgverzekeringen in Nederland miljoenen winst maken zodat de grote baas een Mercedes kan rijden vind ik gewoon weg schandalig. Prijzen van medicijnen in onze zo "gewaardeerde" EU waar je hier 50 euro! voor een doosje vol moet betalen en enkel op recept krijgt en in andere landen van die zelfde EU gewoon 5 euro kosten en simpel te verkrijgen zijn zonder recept dan klopt er echt iets niet. Medicijnen waar patiënten al jaren lang goed op reageren, worden zonder pardon uit de zorgverzekering gehaald, omdat ze ineens te duur zijn. De zorgverzekering bepaald gewoon een alternatief voor het medicijn, omdat het goedkoper voor hun is. Er zijn gevallen bekend waarbij dit nare gevolgen had door er totaal anders op te reageren gek genoeg en als je dan je zorgverzekering er over belt, is het niet hun probleem. Ze hebben een alternatief zeggen ze dan. Waar is de zorg op maat? Sinds wanneer heeft een zorgverzekering de zelfde bevoegdheid als een arts? In wezen bepaald hij gewoon letterlijk welk medicijn iemand gebruikt, omdat het alternatief niet te betalen is. Check 50 euro. Creperen mag je in zo'n geval. Ik kan er gewoon weg niet bij dat dit allemaal maar kan en mag. Ik heb echt geen enkel probleem met betalen voor een zorgverzekering, maar ik wil dan zien dat ik mij geen zorgen hoef te maken of ik nog een (fikse) narekening krijg of dat het geld op de verkeerde plek te terecht komt. Waar betaal ik dan in godsnaam voor? Gebakken lucht? Niemand kiest ervoor om ziek te worden dat overkomt je en ja dat geld ook voor Amerikanen, ik heb echt met ze te doen, maar ga alsjeblieft niet lopen zeggen dat het Nederlandse systeem geen gigantische fouten heeft. Want het is nog lang niet goed en fair voor de gebruiker ervan.
@@lindaraterink6451 Believe me Linda, I share your frustrations wholeheartedly. In my humble opinion healthcare should be non-profit. Period! It seems the Dutch system is following in the footsteps of the US system, so expect it to get even worse financially. 😖
Braices are covert to, if you are under 18 years than you can have braices for free. Thats why my parents hoped I would be done whit them las november. I didn't make it but the dentist dit try and put as mutch of the costs as posible befoure my birthday.
If you are under 18, the state also pays 100 euro of your glasses a year.
As someone who literally never has any medical issues it's a lot of money flowing out of my hands, but it's definitely better than in most other countries.
Countries with free health care or very subsidized health care costs, usually have very high taxes. So its very much economic perspective. Would US citizens be okay paying 40% tax for free healthcare and free university tuition?
I watch American tv series a lot but I never really got why people would run away from a hospital or something like that and say " ow no, I can't afford that". But now it all makes so mutch more sense to me! I never thought like maybe some people are not insured for that because it always seemed to me that it was just obvious to have Health Insurance 😂
"Own Risk" is similar to Co-Pay I believe ?
Notice how the fines are similar to the average payment of health insure. :-)
You would need to mention, that you get fined because of 2 things: you can get money for things like health insure if you can't pay for it yourself. And if you are not insured in the Netherlands and go to a doctor/hospital they are still supposed to help you.
if not insured and go to a doctor and you are a citizen of the Netherlands (Dutch or not, just live here) you get a bill
@@dutchgamer842 Depends on the issue and prices are much lower than US.
I am not sure if I even had to sign up for the 'Zorgtoeslag'. the subside you are talking about. I am not sure tho, because I am 27 now and still a student, so the first time I got it was already 9 years ago, haha. For a long time a never really used health care services except from GP, which is always paid for and not included for your 'eigen risico'. So I got my 'own risk' part higher and then my monthly payment was lower than the 'zorgtoeslag' I received. ('Zorgtoeslag' is always the same amount for everyone, so I was not breaking rules or anything). Ofcourse it is a risk, once broke my ankle and needed a surgery, my own risk was high, so I needed to pay a little more. On an annual basis however, that maybe would have been a difference of 150 euros because of what I saved with the lower montly payment, so it was not such a disaster ;)
Hi Joey, a reason for the dutch hc system is relatively affordable has to do with price limitation by the government. Another thing is that only basic health care or care with a health-need is included in the system (so no plastic surgery except health or mentally related need. Like breast increase or eye lid surgery)
Another point to realize is that the government is actively negotiating on prices for medicines with the pharmaceuticals, as well as promoting the use of white-label medicines (with the same active components).
Another point to note is that basic care is not deducted, only some special care. Main goal is to keep everyone as healthy as can be and to prevent excessive care.
So how relates that to the US?
Note. About two years ago there was an item on CNN about the Dutch system
Currently I have health insurance through my work and I pay approx 380 every 2 weeks for a family of 4 and then our deductible is 5000 individually and like 8500 for the entire family. It's ridiculous.
Explained big concepts SO simply. Didn’t even know it was possible to explain something this well. Top fucking notch video. Got a new sub! 👍
So the Own Risk has a good reason. It is there to combat Moral Hazards, people who are incredibly reckless because they know the insurance will pay for any damage. That causes the insurance to have to pay A LOT, but since in this system, we all pay for each other, that results in us having to pay so much more. Now they have an Own Risk, and the Moral Hazard group is less reckless because they know they have to pay themselves as well, causing our bills to be much smaller.
Also, the MINIMUM own risk is 385. The max is like 850 or 900 or something about there. You end up paying 20-30 euro less a month if you take high own risk. I would say 95% of students do this.
Is it still the case that in the US healthcare organisations won't pay for conditions you already had when applying? If that's the case, I would be screwed there by now.
VERY much so its called "preexisting conditions".
@@JoeyJaq That was the term. Well, I've been diagnosed with an auto-immune disease last year (relatively mild, but I'm now on lifelong medication). So I started to become really happy with the Dutch healthcare system for not having such rules. I don't have a lot of money, but being dependent on our healthcare system, I cannot complain.
Hi Joey, I'm so happy to have found your vlog. Love it and keep doing it please! I'm just catching up with your topics so forgive me if you've already posted about this - but as a Brit, I was shocked about the American bar culture. The UK is quite friendly and it's a place you go to meet people. Here it's difference but the USofA is quite sad. So it would be great to hear you discuss your views on bar culture differences. Cheers x
It's refreshing to hear some nice fresh perspective about our healthcare since Dutch people really like to bitch about it even though they have no clue what they are talking about and how good they have it. Sure, it's not perfect but it could be a lot damn worse.
Omg I take my words back. Damn we are Lucky living here. Thank you for opening my eyes ❤️🙌🏼
The own risk discussions are not mainly about the height of 385 euro (although alot find it too high), but its mainly about the fact that own risk means that people with chronic diseases have to pay it annually. Also people who don't have alot to spend are discouraged to go the doctor by this amount. So basically it's an illness tax. I understand its a counterbalance for hypochondriacs that go to the doc for everything which we as a nation cannot afford but it does go against our views of equality and basic human rights.
Wow Joey! That was an excellent explanation! The US system is very hard to understand, when you are born and bred in the Dutch healthcare. Some years ago NOS correspondent Arjen van der Horst did a long twitterthread (@ArjenUSA) on all the ins&outs, and these are the things I remember: complicated, the costs are overwhelming, the inequality between states, i.e. where in the US you live, is tremendous, and so is the inequality for people without a sufficient income. Same as what you told here.
My take: 5 yrs ago I got really sick. Treatment took 10 months. Revalidation took another 16 months. Did not have any medical costs (beside of course the 'eigen risico'). Got paid by my employer - a little less, but enough for my costs of living ánd my mortgage. Had I lived in the US, I would have run out of money. No job, no income, growing debts, the mortgage would have been terminated, I would have been evicted, medical treatment would stagnate - and being jobless, homeless and sick, I probably would have died.
America is beautiful, splendid, but harsh....
The own risk is not for the doctor. The doctor is always free. If the doctor desides to send you to the hospital, only thén you pay the own risk. Dutch people dont like it, because it used to be totally free.
Children get free healthcare untill the are 18 years old.
I've had a period in my life in which I didn't have a job and education because of some personal issues. In America I would live on the streets proberbly. Here I got money to live (1000 a month), a place to live in the center of my home-city, health insurance and fucking holiday money (800 euros 1 time a year, wtf). I am so thankful that I was born here and I start to realize more and more how insanse and luxery this is. I am taking care of my own money now, but I was feeling you when you said you get a bit emotional.
Thank for explaining! But Is the dutch system really Single Payer? Wouldn’t that be without insurance compagnies, i.e. all payed via taxes?
I love the dutch health care sytem! I pay €109 a month and i get €95 from the the government bc i’m a student with no income
What I am missing from this vid is a side by side comparison of average health insurance costs per person both for a person taking health insurance, as well as the amount subsidies the government pays.
The latter is especially unclear here: does the Dutch or the US government pay more per person?
if the USpays more, that would prove that the Dutch system is better on all fronts.
I've read & it is repeated in these comments again that the US pays double the amount of The Netherlands per person. Even without a comparison of these two it is know that the US system is the most expensive in the world. Very luxurious for a few, lethal for everyone else.
Joey, please look at the reaction down here of M. de Leeuw. I'm not sure if that was a part of your comment.
Thank you, feeling really gratefull about now for living in the Netherlands.
I even have my own risk insured, meaning I pay it of monthly. Pro: never get any bills. Con: If i don't get to the 385, I don't get it back.
You can even choose to heighten your own risk if you believe you don't need it and thus lower your monthly costs
I hate the €385, because from the things i need, I think I spend about 50 or 100 maybe so what's left from the 385, I still have to pay for and don't want that. So I directly pay the things I need on that moment.
I wonder about school systems! Becaue I still dont get the american school system. Plus your opinion about dutch school systems..
Ill definitely make a video on this!
'land of the free and home of the brave' was that from one day at the time?
please do not forget that we, with 17 million citizens, contribute 80 billion euro's on top of or personal payments for health insurance via taxes. Look at our "miljoenen nota -> healthcare (zorg)" to see how the government spends all the tax income. That means 4705 euro per person!! Meaning an average family of 2 adults and 2 children below 18, including our monthly health insurance payments, it sums up to 21.000 a year! (4*4705) + (104*2*12) 4705 = 80 billon / 17 million.
I was a lot on email groups, I spoke with a lot of Americans by phone. Could never understand why they continuously talked about their health incurance whenever it was about decision making.
As a naieve Dutchman I have always been taken care of by my health insurance, therefore I assumed that this was normal, standard, for the Western word. Only when I saw SICKO, Michael Moore, I understood. I could not believe it ...
Yes, we are privileged..thanks for showing the figures and pointing that out.