Four in every five Canadians believe that the demands placed on the health system by aging Baby Boomers will result in reduced access and lower quality care, a poll commissioned by the Canadian Medical Association reveals.There are also widespread fears – by close to 75 per cent of respondents – that growing health costs will result in significant tax hikes and an inability of seniors to afford health care as they age.At the same time, the survey shows strong support for user fees and having well-to-do Canadians pay more out-of-pocket to help attenuate the impact of caring for a growing population of seniors.According to the poll, younger Canadians in particular (those born after 1966) are willing to adapt to the pressures on the medicare system by buying private health insurance to supplement publicly provided care, using their retirement savings to pay for health care and going into debt to pay the health costs of their parents and themselves.”What we see in these poll results is a refreshing acknowledgment of reality,” Anne Doig, president of the CMA, said in an interview.”Canadians are not giving up on medicare but they’re recognizing that medicare needs to be transformed to deal with current realities, demographic and otherwise,” she said.The poll, which is being released Monday at the CMA general council meeting in Niagara Falls, Ont., dovetails nicely with a report released earlier this month entitled Health Care Transformation in Canada: Change that Works, Care that Lasts.In that document, the CMA, the group representing Canada’s 72,000 physicians, argues that the current health system cannot meet future needs, in part because of the aging population. It calls for significant changes, including a universal prescription drug plan, a charter that enshrines the rights of patients, an independent body that can monitor whether health dollars are being spent efficiently, and monetary incentives for doctors and hospitals to treat more patients. The proposals are based on the premise that health care in Canada needs to be more patient-centred, with a greater focus on prevention and ensuring that geography, income level and age are not a barrier to getting quality, timely care.Dr. Doig said the poll results show Canadians are pretty savvy about the challenges facing the health system.Asked to rank who or what is most responsible for increased demand for health-care services, survey respondents blamed individual Canadians not taking responsibility for their own health (33 per cent), the large number of Baby Boomers reaching retirement age (30 per cent), higher demands and expectations by all Canadians (21 per cent) and new medical advances (16 per cent.)Dr. Doig expressed concern that fingers would be pointed unfairly at Baby Boomers (those born between 1947 and 1966) for many of the woes of the health system.”I worry that the blaming will happen,” she said. “We don’t want intergenerational tension, we want intergenerational fairness.”Dr. Doig said she takes comfort in the fact that the younger Canadians who were polled “are being extremely realistic about the limits of medicare and so-called free health care.”For example, the survey found that, among Canadians under the age of 46, 44 per cent said they were willing to buy private health insurance to supplement the publicly funded system; 37 per cent said they would also buy insurance to ensure their long-term care when they were elderly; and 29 per cent said they would save specifically to pay for health costs after retirement.Ipsos Reid polled 3,483 Canadian adults online between June 8 and June 21. A sample of this size is considered accurate within 1.66 percentage points, 19 times out of 20.The survey, which has been conducted annually by the CMA for the past 10 years, also asks Canadians to rank the performance of governments in managing the health-care system as they would on a report card.The marks awarded remained virtually unchanged over the past year: 41 per cent of respondents assigned either an A or B grade to the federal government performance (as 40 per cent did in 2009). Similarly, 41 per cent of Canadians awarded their provincial government either an A or B, consistent with the 2009 results (42 per cent).Overall, 35 per cent of those polled said they thought health-care services would improve in the next year, while 51 per cent predicted they would get worse.Health-care spending in Canada was an estimated $183-billion last year, according to the Canadian Institute for Health Information.
Archive for the ‘Health’ Category
boomers will cripple health-care system
Friday, August 27th, 2010Why We Choose Health Insurance
Tuesday, July 6th, 2010We all tend to buy health insurance for the same reasons. We want to bypass the NHS waiting lists and receive treatment when we need it.
Going into hospital is a stressful occasion and as a patient you want to be as comfortable as possible, private health cover will often mean your own private room with en-suite and home comforts such as television, internet and a choice of food when you want it.
Health insurance is not designed to replace the NHS, a health plan is designed to provide cover for the treatment of acute conditions. The private sector has very limited resources for Accident and Emergency and the treatment of chronic conditions, so both will tend not to be covered on your health insurance.
If you take any of the leasing insurers and look through the policy terms the health insurance tends not to cover normal pregnancy. In the majority of cases midwives and doctors carry out the everyday care of the pregnancy through the NHS. A pregnant woman will have regular appointments and scans with their general practitioner and midwife to ensure the pregnancy progresses as it should and this will continue after the birth to ensure the baby and mother is in good health.
Now although a standard health plan may not cover normal pregnancy you do have the option of going private and paying for the services of a midwife and obstetrician should you require. However given the quality of the antenatal care through the NHS the private sector resources for everyday pregnancy care is limited.
Now although many plans will not cover normal pregnancy it is important to note that each insurer has its own terms and any cover relating to pregnancy can differ significantly. Some insurers provide cover for pregnancy related issues and it’s important to understand the differences between the policies.
Although health insurance for women is not technically specific below are some of the benefits you could expect from your insurance during pregnancy.
If you are looking for health insurance for women which specifically covers pregnancy some of the more comprehensive plans after a period of membership, say 2 years include cover often capped at a monetary limit for private consultations and tests as long as you have a normal pregnancy.
Outpatient cover
Health insurance is built around inpatient treatment, as a policy becomes more comprehensive so it provides a greater level of outpatient cover, with increasing levels of outpatient cover comes increasing premiums. It is important you read the terms of the policy to understand the level of cover it provides for your specific needs, cover for pregnancy will increase the more comprehensive your plan.
Alternative medicines
An additional option in many health plans which will add around 6% to your premiums, providing cover for complementary treatments such as physiotherapy and chiropractic treatment.
Excess
An excess can help reduce your monthly premiums, by including an excess you are agreeing to pay the value of the excess either pre policy year or per claim to help towards the cost of treatment. Excesses can range from as little as £50 up to £1,000. A £100 excess could reduce your premiums by approximately 5%.
Texas Health Insurance Is Easy
Wednesday, June 16th, 2010According to the U.S. Census Bureau, Texas leads the country in the number of people without Texas health insurance. Although nearly one in five Americans, are not insured, it is estimated that one in three Texans are uninsured. In Texas Medical Association report, “additional 5.5 million Texans – including 1.4 million children – lack health insurance”.In a report published by the Texas Comptroller of Public Accounts, “The uninsured are a diverse group that includes people who cannot afford private health insurance, working in small businesses that do not ‘ insurance, who simply choose not to buy health insurance, even if they can afford it, who are eligible – not registered – government-sponsored programs such as in Medicaid or the Children’s Health Insurance Plan (CHIP), and recent immigrants. The most notable omission from these reports is that it is often difficult for people to navigate the selection of Texas get health insurance. There are a multitude of choices and decisions. Do I get an individual or family coverage? Should I go with a health organization (HMO), preferred provider organization (PPO) or another type of plan? What kind of deductible should I choose?The task to find Texas health insurance is even more daunting because, as you move from a health insurance company to another, you find that each offers a different set of options. Accordingly, it is difficult to compare apples with apples proverbial. Most people do not realize that a full-service agency based in Texas health insurance can help every one of individuals and families to small business owners and Medicare beneficiaries understand the options that are their disposal to obtain insurance. Better still, these agencies offer their services and free support. It is because they are compensated by insurance companies, rather than the insured. Therefore, you can collect the benefits of their expertise impartial, free of charge. Best of all, some of these agencies have implemented easy to use online systems that allow you to obtain quotes, compare Texas health insurance plans and even apply online – all from the comfort your home. In fact, you can view the plans of health insurance, life insurance, dental plans, health insurance plans and all in one place. To obtain quotes for health insurance, for example, simply enter your details into an online form, and then provide some basic information about you and other family members you wish to insure. The system will then generate quotations from a variety of companies, which allows you to compare side by side. You can sort the results by a number of factors, including the health insurance company, plan type, deductible, co-payment, and the estimate of the premium. Once you decide which plan you prefer, you can apply online. Every day, health insurance is a growing number of people with affordable health insurance Texas. In return, those who obtain health insurance rest easier know that their families and they are protected.