I personally have gone to a local ER and spent 2 nights at a billed cost of $7,000 and I paid a $500 deductible a few years ago. Now my family deductible is $3,000 via HSA with OOP max $6,700, and I would say the vast majority of people with employer sponsored health care have similar best in the world treatments with no waiting.
What do you mean by "no waiting"? If you have a non-urgent procedure - maybe a hernia repair for example - are you saying you can get it done the next day?
Just for comparison, the last time I was in the hospital was via the ER for an inflamed appendix. They removed it late that night. This was a few years ago, but IIRC, my total bill came to less than $200 and that because I asked for a private room for 2 nights. This level of care is available to any resident of Canada. Still think your employer sponsored plan is better?
Correct on the non-urgent procedures, had a hand issue that was slightly annoying just a few times per year and finally went in and doc said he was open for surgery in 2 days if I wanted to do it that soon. I honestly have never heard of any sort of waiting in the US, like for anything. MRIs, kidney stones, most just call the specialist doctor directly for an appt. Any sort of medication or drug is never unavailable. I've lived in a 1MM+ person city for 30 years and ambulances arrive within minutes of the emergency call. My young daughter had a moderate fever one night and we call her doctors office at like 7pm and they said come in first thing 730am.
And yes I think my plan is better (and the 100+ million with employer sponsored plans/group health) because in the case of a major problem there wouldn't be any waiting or rationing of care. The best care would be provided or they would refer you to where you would need to go.
Just a simple google search on Canadian wait times yields this, and these waits are totally foreign (haha pun) to most Americans.
In terms of specialized treatment, national wait times were longest for neurosurgery (46.9 weeks) and shortest for medical oncology (3.7 weeks).
Neurosurgery: 46.9 weeks
Orthopaedic surgery: 38
Plastic Surgery: 25.9
Internal medicine: 12.9
Radiation oncology: 4.1
General surgery: 12.1
Medical oncology: 3.7
The three hospitals that use stem-cell therapy to treat patients with blood disorders and aggressive cancers like the one that Sharon Shamblaw battled are unable to keep up with the soaring demand. So patients are sent to medical facilities in Buffalo, Cleveland, Ohio, and Detroit, Michigan, for the potentially life-saving treatment.
"We don't yet have the capacity to serve all the patients who require allogeneic stem-cell transplants," says Dr. Michael Sherar, president and CEO of Cancer Care Ontario, referring to the treatment that uses donor stem cells.
Im just casually googling this stuff, and I don't know if it's a fair representation, but I have never heard anyone being sent OUT of the US for treatment. I've heard of cases where maybe the CLOSEST hospital might have a longer wait than another down the road, but there still wouldn't be any waiting.
As others have noticed, there are wait times and rationing for private insurance as well.
I paid additional for dental insurance. After being on it a couple years, a tooth developed a crack; I needed to remove it and according to both my dentist and oral surgeon, the best and appropriate care was a dental implant. However my insurance would only cover a bridge, not an implant. When I spoke to the representative they admitted that even though what my providers suggested I do was the standard of care, it was not covered soley due to economic reasons. So my insurance paid $100 to remove my tooth and I paid the other 5K out of pocket.
A year or two ago I was having increasing discomfort with my eyes. from February to August, I tried multiple times to schedule an appointment with my opthamologist. I would either be offered an appointment literally 3 months out, or was told to call the following month to see if there were any openings. Finally I gave up and scheduled with a doctor the next town over.
My children's provider, we got a letter that she was being moved to another location (again the next town over) and to contact them to let them know if we wanted our children to continue to see that provider (and move locations) or be seen by someone closer. I sent a message to them months ago, letting them know we wanted to stick with the original provider, no response, no information how to do so.
These stories are from a very good federal insurance. I'm not complaining; the horror stories I know most are the people who are self-employed, contractors who are trying to get on insurance. It truly is a land of haves and have nots; usually if you get insurance through employer, get more coverage and more standard care. If you have to get it outside that, well good luck.