I finally watched Sicko this past weekend. I usually agree with Michael Moore’s overriding theme but seeing as though he's neither a documentarian nor a journalist, I find his films to be a bit heavy handed for my taste. I agree with the fact that a civilized society should offer universal health care to its citizens and the fact that we don’t have it in the U.S. is an embarrassment. And I also think it is obvious that the insurance companies and pharmaceutical companies are for-profit businesses whose aim is not to ensure the health of their “customers” but to make as much money as possible while keeping costs down. If that means killing people, so be it. Personally, I always had great health care through my insurance in the U.S. and never had any major claims denied, but right before I left the country, I noticed that the companies seemed to be getting greedier and greedier and care seemed to be getting worse.
The only negative situation I had in the U.S. involved having blood tests done through my doctor. Right before leaving for Italy, I was working for an Internet start-up and the insurance offered by the company was fine but was definitely not the best I had had. At one point, I had some blood tests done at my doctor’s office, which was a pretty routine thing as my doctor ordered blood tests on almost every office visit. What was different was that this particular time I got a bill at home for $800 for the blood tests and a note from the doctor’s office saying that my insurance company had denied payment. Upon calling the insurance company, I was informed that my doctor had sent my blood to the lab it always used in a New York hospital as opposed to the insurance company’s own special lab “in the beautiful state of Washington.” Seeing as though I had never thought about where my blood went before and nobody had informed me that the blood had to be sent to Washington, the insurance company agreed to pay the $800 but I was told that from then on out, my blood would have to go to their lab.
A few days later, I received a wallet-sized card in the mail from my insurance company containing a little printed spiel I was supposed to recite to my doctor (as if I were not a patient but one of the company’s marketing representatives!) the next time he ordered blood tests. It read something like, “Dear doctor. I’m sure you understand the importance of testing. That’s why X lab in the beautiful state of Washington is the choice for you…” The next time I went to the doctor, I showed it to him and we had a good laugh about it. He was not happy about sending my blood 3,000 miles away “to the middle of nowhere to a lab I don’t even know” but said he would tell the nurse to do it. Unfortunately, the nurse did NOT do it and my blood once again went to the usual lab. Understandably with all of the patients that come through the doctor’s office with various insurance plans, how can the nurses keep track of whose blood goes where? Again, I received a bill in the mail. I fought it with the insurance company saying, “Look, I told the doctor where to send the blood but I was not with the nurse when she FedEx-ed it out so I can’t be held responsible for her mistake.” It took months of going back and forth with my insurance company and billing in my doctor’s office (and I even received threatening phone calls from some collection service saying “This could affect your credit for life! You better hope you don’t need to buy a house or a car!”) but I finally resolved the issue without paying.
I would love to say that I came to Italy and lived happily ever after with “free” state health care, but I’ve had wildly mixed experiences. I agree with the Italian system on principle (access for everyone) but the overly bureaucratic infrastructure and set-up are horrible, leaving patients to feel lost and confused. That's not to mention the almost total lack of any kind of human element or bedside manner. And it is NOT free. Not only do I pay a ton in taxes, my yearly health care costs are greater in Italy than they ever were in the U.S.
And this is where I began to have problems with Sicko. There’s a scene in the film where Michael Moore sits down to dinner with a group of American expats in Paris and they rave on and on about the great French health care system, all of the vacation time and the free university, etc. Unfortunately, Michael Moore does not delve into the flipside of all that. Aside from all of the taxes one must pay to sustain this type of system, a system where employers are forced by law to give their employees extremely generous benefits (in the film one French cancer survivor tells of how he asks for a doctor’s note so he can take three months off to relax in the south of France even though he could have technically gone back to work) makes for employers who are wary of actually hiring people and turn to low-paid freelance workers to whom they legally don’t have to pay benefits. This is what has happened in Italy, and unfortunately, so many hired employees abuse the system (including the many women who get a doctor’s note so they can spend their entire pregnancies at home paid a full salary even when they aren’t technically sick, thus creating a chilling effect whereby no company wants to hire a woman of childbearing age) that companies will do anything to avoid having employees on the payroll to whom they must pay benefits.
Also, university is not free in Italy though it does cost much less than in the U.S. But new college grads here struggle to find jobs and when they do find work, it is usually in the form of an unpaid “internships” that last for years on end, forcing them to live at home with their parents well into their 30s. And as for paid vacation when you are doing one of these “internships” or working freelance? There is none. I have no direct experience in France, but at least in Italy, it is not this utopia of “free” health care, “free” university and endless vacation time (I, for one, pay out of pocket for my health care, have no paid maternity leave and no paid vacation time) for the masses. Taxes are very high, salaries are very low and finding work is a struggle. The protections and generous benefits are there for some (typically those who are older or have older contracts written before Italian companies discovered “internships” and “freelance work,” which are concepts used here not to offer opportunities or flexibility to employees like in the U.S. but merely to further financial gain) but definitely not for all.
Tuesday, November 27, 2007
Neither here nor there. No perfect system.
Labels:
culture shock,
My country tis of thee,
politics,
work
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12 comments:
My "free" surgery (well, I paid 20% in INPS, the Italian equivalent of social security) cost me over €700 in follow-up appointments, x-rays, lab tests, and medicines. When I went to the doctor, I was told I can get an appointment with her at the state hospital and not pay, but that would take 6 months. The other option was to pay €150 and get an appointment at her private surgery in 2 days! The surgery itself was free, but the weekly follow-ups (did they really need to be weekly?) cost €20, and I was bullied into doing other things such as x-rays, an MRI, and blood tests, on the "private" system so that I didn't need to "wait 8 months". I wrote off all of the expenses on my tax return, and I all in all I spent about €700 for the WRONG SURGERY that DIDN'T SOLVE MY PROBLEM. Not to mention all the time you need to waste in those dreadful hospitals (each appointment kills your day). Now I am doing free physical therapy in the UK that is solving my problem. At least in the US, I probably would have been entitled to some kind of compensation.
I haven't seen Michael Moore's movie but I'm assuming it's a bit one-sided so he can prove the point he's trying to prove. I always had insurance in the States but had to take out short term policies and pay out of pocket whenever I was between jobs. And part-time work usually doesn't provide a policy, so it's kind of tricky.
Here I've found good care in the emergency rooms with fairly little hassle, but for any specialist visits I've always paid about €100 out of pocket not including any analyses or other specialized lab work, for the same reason Brendan mentions... if you need the visit and lab work now, how can you be expected to wait months for an appointment? So you just pay to get in right away. I honestly don't know what people do who can't afford it but need urgent care.
So far, I have not encountered any problems with the Italian medical system, but agree that there are definitely improvements to be made. The US system however is horrible if you have no insurance and getting worse for those who have insurance considering that everything is run for profit and no one really gives a hoot about the individual. If they could somehow take the good points from each one and add them together, getting rid of the bad, then we would have a great system. Ah, if it was only a perfect world....Now, I don't mind paying taxes if I get something in return. But, it's the getting something in return that's not always happening....
I agree with you. Mr. Moore's docs. tend to by very one sided. I am also a little annoyed with his "man of the people" fakeness, while he underpaid writers on his TV show and lives in super expensive apartment with Central Park and river views. Not saying he can't make money but come on cut the "aww shucks" act.
I hope we can do something to get fix our health care system. I have no idea what the solution is our how we would make these major changes.
As a dual citizen who has always lived in America, do I have to buy private insurance when I move to Italy?
p.s. I asked our friend to foward a message to you. Didn't want to leave it on your blog.
oops, I see your email address. I'll just email you.
nyc/carribbean - if you're an EU citizen you theoretically don't need private health insurance in Italy (you can just sign up with ASL) - however, they required me to show proof of income (ie a work contract/buste paghe) before I could get my carta di soggiorno (which has since been abolished for EU citizens) and I needed the carta before signing up with ASL. Not sure where this leaves you exactly but I think it's still the case that you need to show proof of income before signing up with ASL although you should check this.
I agree with Michelle - the US system is wasteful and terrible for the have-nots. However, the Italian system is inefficient, wasteful and extremely non user friendly. Also, I've had to pay large amounts of money even when going through the public system (ie 45 euro for some blood tests) which seems really terrible when you consider how much we all pay in tax. And most people I know seem to pay to go private when anything is really urgent.
Okay, I'm a fan of Michael Moore. Maybe he is one-sided but I think he does this intentionally to get people's attention. It does work doesn't it?
I've always counted on free healthcare and have gotten great medical care through the Canadian system. Yes, not one system is better than another. However, I do think people are entitled to healthcare and NOT having to worry about going bankrupt at the same time.
I have not seen the movie, nor do I ever plan on it. Based on my only experiences with universal health care (in Italy) and the lack of care I received, I decided that it is not the answer. Some people, maybe only a small minority, do not want health insurance if they have to pay even a dime for it-and that includes the higher taxes that would come along with it.
The US healthcare system must be fixed, maybe by pharmaceutical companies lowering their prices on drugs, or insurance companies lowering their rates...,or something, but I do not think universal healthcare is the solution.
I'm glad that you addressed the other side of the question. The US system is undoubtedly broken, but I'm not sure Euro-style taxation is the answer over here. All I know is I am tired of paying $300/month (plus a $1000 deductible) for basic insurance and barely any preventative care. I am also annoyed at the sexism inherent in the system. I am at risk for ovarian cancer, but my insurance won't pay for regular ultrasounds or blood tests to check for possible tumors. Meanwhile, guys have their equivalent examinations covered because their sex glands (testicles) are easier to examine. Is it my fault my sex glands are harder to examine (and thus more expensive to check out)? I think not. After all, we're just half the population.
Brendan,
Yeah, I feel your pain. Much of my pregnancy stuff has been more costly than I expected. And that's with the public system.
Shelley,
Yeah, Michael Moore is one sided and about as subtle as a sledgehammer. But his point is good, and he doesn't lack for examples!
MB,
There are SO MANY situations where I'd like to combine the U.S. and the Italian way of doing things.
NYC/Caribbean,
With your European passport, you shouldn't have any problems and will be able to sign up with ASL.
Kataroma,
What cracks me up (well, not really) about the max 45-Euro ticket is that when I go to get blood tests now, the doctor puts my tests on three or four different tickets. Meaning I almost always pay well over 100 Euros for blood tests, and I go quite often. What's the point of having a max ticket price if the tests are then spread out over several tickets?
Ms. Violetta,
I agree with you. I like the analogy that Michael Moore used where he talked about public things we have that do work well - libraries, schools, firefighting and police services. Couldn't this same idea be applied to health care? Public health care does not have to mean crappy health care.
J.Doe,
I'd suggest seeing it just to get a fuller picture of the story. We all know certain things happen in the U.S. (people being denied coverage for NO GOOD REASON and then dying) but seeing the specific cases really does bring it home. The idea of health care being run as a "business" just goes against common sense. Italy doesn't offer the best example in terms of a universal health care system. But friends from other countries with universal health care (Canada, Australia, New Zealand) speak pretty well of their systems.
Fashion Survivor,
Well some countries have public health care and citizens don't have to pay taxes that are so ridiculously high (like they are in Italy). Canadians, Brits, Australians and New Zealanders seem to live pretty well. The way the companies decide who gets certain health care treatments is so arbitrary. Not just sexist. Arbitrary and purely money-motivated.
I have decided that nothing works anywhere! I am not familiar with the US system, but it sounds like a nightmare and very expensive. Here in Italy, I also find myself paying extortionate taxes that seem to augment every month, yet I pay through the nose for treatments. In the UK, the National Health Service is free to all citizens. You pay nothing for doctors appointments, tests, specialist visits, operations etc.etc. Even prescriptions are free of charge for those who might have difficulty e.g. the elderly, or people on low incomes. BUT (big but) waiting lists for operations are so long, people die before they have a chance to be treated, staff and bed shortages mean patients are left on trolleys in corridors with no one to care for them for days on end, and poor hygiene has been blamed for 'hospital superbugs' which have practically become an everyday risk for anyone being admitted to hospital for any reason. It looks like there's no perfect system, or perhaps there's no perfect government - willing to and capable of managing public healthcare in the interest of its citizens.
I agree with the previous posters. I always end up paying loads in the Italian system too and even though you can write costs off against taxes, this doesn't go very far if you are a dipendente. After a serious accident, I ended up paying over 2000 euros in essential aftercare that wasn't covered by the Italian heath system - I now have insurance as well as paying my taxes!
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