Hi Louise, Linda and Sharon
The system in Ireland and England are the same.
As soon as you start working you pay TAX! You pay a personal Tax. This is
calculated on the Gross wage, if you are married, if you have children and
if you have a mortgage. Therefore if you are earning $100 dollars per week,
you pay LESS in personal tax than someone in different circumstances earning
$600 dollars per week. We have 'tax bands' and everyone will fall into one
of those specific categories.
You are also given a child allowance, payable once per month from the State
for children. The more you have, the more you receive. Married people have a
married allowance, while single people do not. And you are allowed to claim
tax exception on mortgage for buying a house, although I think they have
stopped this in England. Now on top of that personal tax, you pay National
Insurance or PRSI in Ireland. Here that is 9% of your Gross earnings. After
those statutory deductions, you get your cash, Net Wage.
Now that 9% contribution by you and a 12% contribution from the Company you
work for, pay for your health care. [These are Irish Figures] Your
entitlements then, Disability Payment if you become disabled, Unemployment
if you loose your job, State Retirement Pension upon reaching the age. You
are also covered for as many visits to the Physician you need, Consultant
visits as you need, X-rays, Blood Tests, MRI, CAT, surgical and anytime you
spend in hospital. Now if you are going to be ill for a long period, due to
say an operation or chronic health, you can also apply for sickness benefit,
again payable weekly from the State.
YES you have contributed financially to this system, via your NI or PRSI
contributions. In England you make a small payment for your prescription.
Last time I was there I paid fifty dollars which covered me for the year on
my prescription charges.
Obviously the % of NI or PRSI is calculated on the amount of people in the
Country who are working. Most times the Personal Tax is used to pay for the
upkeep of hospitals, but that is set aside in the budgets.
Now while this system does have faults, the positive side, everyone receives
treatment, no matter what there circumstances. Everyone can receive
unemployment, disability, retirement pension and so on.
You can if you so wish also contribute to a Private Health Plan on top of
the NI, PRSI. However NI or PRSI contributions are statutory unless you are
self employed then you are on your own.
Now you will not be at the hands of Private Medical Insurance, where the FDA
state you cannot have this treatment, or that drug because you only have PA
and not RA. You are able to see your Rheumatologist as often as you want, or
he calls you. You can also go for a second opinion. So far I have never been
told that I am not covered by my health insurance because I have PA and not
RA. The people in charge of the system here or your health are the Doctors
and not the Medical Insurance Companies. If I need to see my Rheumatologist
I see my Rheumatologist, even if I just saw him three days ago!
Again tests are not done for the fun of it. I cannot go in and DEMAND a MRI
scan. If my Rheumatologist thinks he needs a MRI scan he will order one. If
he thinks it is a waste of time and money, you do not get one.
However I have no 'real complaints' about my treatment to date. Yes I have
endured problems, but only because my Rheumatologist jumped to conclusions.
No health insurance can insure against that.
To my understanding this system is the one that Hillary Clinton wanted to
introduce to America, after studying it here in Ireland and England, while
Husband was visiting.
Yes Hillary will, well I think she has already left the White House. However
I thought she was running for the Senate????? Should she get in, this
medical system is her baby and I do not think she is going to let it go that
easily. Of course there is opposition. With no Private Health Companies,
what will the staff employed by them do? What happens to the FDA? The
Pharmaceutical Companies will not be allowed to charge a high profitable
price for there drugs!
Doctors in charge of the Health System, rather than Insurance Companies
dictating to the Health System.
There is a very big difference in that.
Love and God Bless
Gillian
The whole imposing edifice of modern medicine is like the celebrated tower
of Pisa- slightly off balance.