Great video as usual, I work as a surgeon in Germany and i just wanted to add that in Germany if you are not employed the government pays for your health insurance
There is still something i don’t understand about your health care system, does an employee have to pay taxes AND part of their salary to keep themselves insured? If so this is in my eyes a huge red flag, since the health care system is private owned this means that the health care insurers can say the price is whatever they want and get away with it because the government has not input, and if the government will pay for your health insurance if you are not insured, doesn’t this mean that it is better to not be insured?
@@09archange Since 2009, everyone (who does not receive other care) must have health insurance. 87.3% are statutory insured. Statutory health insurer are all non-profit organizations 10.3% are privately insured (selectable if self-employed or high income) 2.4% government agencies (for police, soldiers, refugees ...) In the case of statutory health insurance: Employees and employers each pay around half to the health insurer. The employee chooses the health insurer. (There are still health insurer that only members of a company can choose from). If you become unemployed, you stay with your health insurance provider (unless you became unemployed before 2009, then the authority pays directly). The prices are determined by a committee made up of representatives from the health insurance companies and an equal number of representatives from the service providers (doctors, hospitals). If no agreement is reached, the state can intervene. There are still hundreds of exceptions and special rules
There is no universal healthcare in the US and UVM Medical Center generates profit from insurance companies and medical bankruptcies. So why are there solicitations for donations at retail checkouts on behalf of UVM Medical Center? There is no transparency about where such millions of dollars in donations are going, nor to which administrations are getting paid extra bonuses. Think twice before donating to this hospital which also uses non profit status for tax shields, greed and more profits.
we already know what works best. a privatized system. but there are commies like this channel trying to propagandize us into handing over our health to the government.
The German system is more much more public than privatized. Here some numbers from the national statistics institute (destatis): It is true that the insurance comes with employment, but 87% of all employees are insured by public, obligatory insurances, so only 13% are private. Unemployment is no issue due to governmental coverage of insurance in that case (with equal medical supply), resulting in only 0,1% of the population being uninsured. Among the unemployed, it is 0,8%. In short: access is maintained high, while it is not directly tax-payer money that funds treatment, but rather non-profit public (but not governmental) insurances.
I spoke to a few European physicians and the most competitive specialty in Europe is peds and least competitive is derm. A thoracic surgeon I spoke to in Berlin said that her salary was around $165k, which is considered high. That was just unfathomable.
This requires consideration of many other issues. Work hours/lifestyle, pensions, paper work/admin burden, contribution to self family insurance are some examples.
@@__________5737 Regardless of all those factors, only making ~$80-100k after all the hard years of medical school and residency is mindboggling. Plus you are taxed very heavily. Yes we have student loans, but the lowest US MD/DO salaries is already 2-3 times their salary. I would argue that the work hours and burden is worse for European physicians from what I've heard...In the UK for example there are a limited amount of specialty spots and you have to wait for someone to retire to be able to be a senior doctor. Spoke to a Dutch guy who was getting his pHD (?) after his MD in the hopes of matching pediatrics. Its interesting how their most and least competitive specialties are switched with ours.
No offense, but I think that it the real way to get someone to do something because they genuinely want to help and treat/care people. Too many individuals in the US get into medicine to then realize they do not like it, the money isn’t everything and they wished they could’ve gone about it a different way. I know too many physicians that wish they would have gone into a PA/NP path just like so many PA’s and NP’s wish they would have become physicians so they wouldn’t be limited in practice. When you follow the money you may not be happy. Don’t get me wrong, I’m not saying money won’t make you happy. But I do think that the over saturation of Pat in the US for physicians does throw people off in what they may want to pursue that will make them happy. Instead, they pursue what will make them “rich.”
Also to consider, I’m no physician in Europe but from what my friend in Germany told me, the government will pay for you to go to school to become a physician and all your required to do is work for their choice of hospital for a said amount of time. I mean if my education cost is covered, I have no loans and malpractice insurance is covered, or highly discounted compared to US malpractice insurance, I’d be pretty damn happy at $165,000 performing open heart surgery. The VA does the same thing. I will have med school covered, full scholarship, get an allowance a month for the duration of school, once completed and attended residency, have to work and obligated 6 years at the VA getting paid a fraction of what private sector physicians make but with zero school debt, VA covering malpractice insurance cost and I am clearing $135,000, I’m pretty set. But that’s also why everyone looks at the US to come to to practice medicine. People chasing the money only to come and find out that the money is great but it’s not just providing the medical care that pays you but the horrid hassle to rip that money from insurances hands.
@@arrekusu9709 Wishing to genuinely help/treat people and wanting to be compensated fairly for your hard work are not mutually exclusive. Sure, money isn’t everything but it is reasonable to expect to be paid according to your skills and sacrifices. There are few industries that have greater job security and salaries, the vast majority of students in med school enjoy helping people. Although, at the end of the day being a physician is just a job just like any other job - and therefore the market should dictate the salaries. Becoming a physician just has the added perk of being related to science and getting to help people with it. The higher salaries also attracts top minds and greatest talents, I rather be treated by a smart and competent physicians over someone who is doing this job because he likes helping people. The public service loan forgiveness program has been shown time and time again to be financially disadvantageous compared to the private sector including limiting yourself to movement and subjecting yourself to restrictions. What if you don’t like where you work? What if your partner gets an opportunity in another state? Once you start rotations, residency and become an attending you’ll realize how much work being a surgeon actually is and how unfair being paid $160k (not to mention crazy taxes) would be for your 10+ years of intense grind. I have friends in finance and tech that make that 2-3 years out of school, it just wouldn’t be fair for a surgeon to be paid the same.
The German insurance is payed equally by the employee and the employer. It also covers your salary in case of long term illness and maternity leave. As far as I remember
Just what I was looking for！ Thanks for the video. I may be wrong, but I think in Germany, patients in between jobs are covered by their previous employer until re-employed.
It’s not the employer. If you literally between jobs it’s covered by the insurance company. I think up to 3 months? If you unemployed and looking for a job it’s payed by the job center. So by the government.
Why did you post this just now? This was our lesson in Health Information System (HIS 111) and bro I could've understand it more and made a better score in my exam 😭
Dr Jubbal you forgot to mention all of the “pay to play” clinics that have popped up all over Canada because of the long waits to get a lot of procedures from the government system there. And you forget to mention the 50,000 Canadians that come to America each year to pay money for procedures like hip or knee replacement that have years long waiting lists in Canada.
Yep. I’m Canadian and each province’s healthcare system is in various stages of collapse. Even before the pandemic most ERs were operating above 100% capacity. I have had GI issues for a while but the wait time to see a gastroenterologist in Alberta (my province) is 2 years. My boss recently went to another province for back surgery because the wait here was 2.5 years. Canada’s healthcare system only has good outcomes compared to the US. Compared to pretty much every other OECD country we spend more and deliver less, and have worse outcomes.
I think Canada's healthcare is better since it does not discriminate whether the person is rich or poor they are treated equally. The problem is an aging population and fewer people to work in addition, the Canadian government pass a bill that pushes nurses to the US (Bill 124). Canada forgets to compensate their nurses, They make a salary limit to nurses due to the pandemic. They overworked their nurses and in return, they pass a bill to punish nurses, Why not just Tax the Cannabis and things that make people go to the hospital like sugar food tax or salty food tax, just please not the worker who is heavily taxed. If you don't work in healthcare, Canada is a better place. If you need heart surgery or any emergency they don't discriminate and they will give it to you for free.
@@ytpremium6294You are correct it does not discriminate. That includes HOW they pay for it. You see, in America our bottom 50% of earners pay no federal taxes after deductions. In Canada, not only are income taxes much higher, but even poor people have to pay income tax in order to help pay for their national health program. So you are correct that it is more fair.
You forget the hundreds of thousands of Americans that *die* every year due to preventable issues and half million that go bankrupt. But if you are dumb enough to expect a ten minute video about the basic principles of national healthcare systems to go into petty arguments, then you are also dumb enough to believe American healthcare system is good because rich people are nursed well.
Words can’t express my gratitude for all you’ve done and will continue to do Dr Kunle Herbal, you are truly an amazing and dedicated doctor, keep saving life my Doctor…
I don’t think you are right with the Bismarck Model! Private insurance companies are in the minority here in Germany. They invest the money of their customers and with the surplus and the insurance fees they pay the doctors. This is possible because when you are young you are healthy (so they have a cash surplus). They are also not representing the Bismarck model. The Bismarck Model: - the insurance companies are controlled by their members - in-out-of-cash: The money which comes in has to spend immediately for healthcare. They are only allowed to have 2 to 3 months in cash holdings
The problem in us some states are higher taxes bit no free healthcare exmple california where the moneys going? I think the best way is to do is try per state a different types of healthcare then aftef 10 yrs compre whosethe best system then apply to whole us.
I wouldn't assume that a UK bases system is what would benefit most Americans. We need to at least be willing to try things and admit what doesn't work and we should be willing to try things other nations have tried or adapt versions of them. We can take advantage of our ability to experiment with things on a state level before rolling out something federal. This may be one concern but the there's literally no perfect system for these things as sacrifices are going to exist to make choices as a society. I don't know what system would work best in the US, but it's issues are far reaching and many think it's due for a change.
Not only is the pay terrible, but the tax we pay is unreal. We also end up with 6-figure student loans with fat interest rates slapped on; this functions as a "graduate tax" of 10% of your income (this is on top of the 35% effective taxation on a 100k salary).
out of curiosity, is there a reason why the national healthcare models of Cuba was not mentioned in the video? also in general thanks for an informative video and special points for mentioning American Exceptionalism! not talked about enough!
The American healthcare is awesome, i pay an insurance premium each month to be insured, if i use the system then i get to pay more, also if i use the system my monthly insurance premium gets jacked up......fantastic !!
I just got my Canadian citizenship, Canada is almost a paradise for me. the only reason why we are moving to the US is money. Nurses in Canada are not as paid well as in the US. Canada even has a law to hinder the growth of the salary of a nurse, bill 124. If only Nurses are paid well in Canada we are not going to the US.
This problem could be solved quite easily with a national health care program like every other civilized country in the world has. When are people going to wake up to the fact that insurance companies are the MIDDLE MAN, which increases costs. And don't tell me that other countries' government-run health care systems like France or Sweden, for example, aren't as good. In fact, they're better! Yes, their citizens have to pay more in taxes, but no one goes bankrupt, no one has to fill out endless forms, no one skips necessary coverage, no one is denied coverage, and no one stays at a job they hate just for their medical insurance. Wise up and break free from corporate brainwashing!
Libs: do better, USA Conservatives: you mean like closing the border so we aren’t paying for healthcare for 10 million + illegals? Libs: well obviously no….
@@edhcb9359 I mean, you can just check healthcare outcomes, plenty of studies on that. Going by memory but US scores well on certain cancers(nr 1 on breast cancer for example) but mediocre on breathing/bloodflow issues. I mean, the US barely makes top 50 in life expectancy, I have no idea why you would think the healthcare is that good.
Only a fool would think being a slave to your workplace for fear of losing health insurance (which should have nothing to do with your job) is a good idea.
It isn't actually, quite the opposite. Among all the "rich" western county US is the one with the worst outcome when we look about patient care and population health improvement.
