nachi,
to the best of my knowledge, the u.s. citizen has it bad when it comes to healthcare. it is expensive.
those who are employed, get a 80% maximum refund. that too with hefty deductibles per year. i was told these to be around $5000 or less.
then there is a cap on the total spend. so, if one has a disease like cancer, which takes about $200,000 total treatment, many insurance companies might tell you that the cap was $150,000 or so and refuse to pay the remnants.
i have a friend who is being treated at henderson hospital houston, supposed to be the best for cancer treatments. his total expense over a period of 18 months is $200,000. he has what is called the platinum coverage. yet his out of pocket expense is $50,000.
people, who don't have jobs in the u.s. do not have health insurance. so, just like in india, they go spend their savings, sell valuables, mortgage or sell their house, for the treatments. then declare bankruptcy.
there is another way to get treatment. that is to go to any hospital emergency department. so what happens? poor people, who cannot afford early or preventive treatment, wait till the critically ill period, and admit themselves in the emergency. by law these cannot be driven away, and so the hospital treats them, and passes on these bills to the fee paying regular customers.
people in canada, who have had government funded health care, find the u.s. system wacky and unfair to the vast majority of its citizens. unfortunately, the medica profession, the hospitals, the drug companies, are all profit oriented (just like india) and have successfully railroaded any reforms.
add to it, they have used their money, to spread false propaganda and lies about canadian & european health care systems, chosing selectively some disgruntled folks here, and quoting them widely in the u.s. media. any canadian will agree, that we do not have a perfect system, but we are light years ahead of the u.s. and no canadian politican dare tamper our system for reducing any benefits.
ofcourse, KRS has disagreed with me before on this. but i find it surprising, that many indians, in the u.s., who are comfortably off, appear to have the same view. very very surprising indeed.
thank you.
ps.. hope there is no lingering ill feelings from the past