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Health Care Comparison: Universal System in Canada vs. Private System in the U.S.

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Reprinted from Open Salon.

In two previous posts (here and here), I talked about the costs associated with the health care systems in Canada--mainly in Ontario and Quebec--and the U.S. (and of course in America I mean what we're charged by the health insurance company that covers me and my family.) In these posts, I showed that the Ontario and Quebec governments spend about $3,100 per year per person for Universal health care, which accounts for about 45% of the entire operational budget of these two provinces. The effective amount is actually larger, however, when we include the transfer of funds from the federal government to the provincial governments (see updated values in my latest post - Dec, 2009). But since the income tax in Canada is progressive (it is in the U.S. as well), not everyone actually pays $3,100 in income tax in order to get 'free' health care. Low income earners pay less, while higher income individuals make up the difference--meaning that they pay more than $3,100 in taxes.

(You might be interested to know that the cost of health care in France is approximately $3,986 per person.)

If we translate this $3,100 per person from Canada to the U.S., and if we assume that we'd get the same service as in Ontario or Quebec for that amount (which isn't a given and which I discuss below), the entire health care budget for the U.S. would be approximately $942,400,000,000 or close to a trillion dollars (recall that about 304 million people live in the U.S., versus about 35 million in Canada). Although this value is extremely large, the health care cost per capita is still much better than the current situation, as discussed here and here. In fact, the U.S. health care system is apparently on the verge of bankruptcy.

If the entire private health care system in America were replaced by Universal health care, taxes would go up. (And I mean income or any other types of taxes--note that now politicians tend to use the word 'fees' instead, because it's not the dreaded 'T' word). On the other hand, no one would be smacked with hefty fees if they became seriously ill or disabled. Many people would even see a reduction in costs (see links above), if they paid taxes for Universal health care instead of fees to private companies; some people (very few?) -- namely those who aren't insured and don't use medical services a lot (a risky behavior) -- would probably see a cost increase. Of course this is obviously a simplification, as other factors influence the costs of health care in the U.S. and in Canada.

I'm going to interrupt myself here to define a couple of things to help you navigate the rough and troubled waters of the U.S. private health insurance system. First, a 'co-pay', which I mention later, is the fee above and beyond what your health insurance provider is required to cover. This means that all -- yes, all -- medical offices charge you at the door, $25.00 for a general practitioner and $45.00 for a specialist. The 'network' refers to hospitals, doctors, specialists and other medical practitioners under the aegis of a particular health insurance company. Dr. Blog in Snook might be in network, for example (so you only have to shell out a co-pay of $25.00), whereas Dr. Doe in Cut 'n' Shoot might not be, in which case you could have to pay for the entire visit yourself.

And while I'm here, I should point out that when I talk about 'health care', I'm not talking about coverage for dental or vision. In the U.S., there is separate insurance for those, and separate insurance companies to deal with them. This can result in a fun game of 'find the right card in your wallet' depending on which office you're at. My wife once managed to give our son's eye doctor the wrong card three times. This can also result in some people not having any dental or vision coverage at all, because they simply can't afford it.

In Quebec and Ontario, the provincial governments only covers medical costs. They might also cover dental and vision, but only if it is medically related, such as an injury or birth defect. I'm almost certain that Ontario will pay for annual vision checks and eyeglass lenses for everyone, and Quebec will for children, but I may be wrong. Let me get back to you on that. I am certain, however, that the Quebec Government stopped paying for vision tests and teeth cleaning for adults, to save on health care costs.

Now, I'm going to continue my comparison analysis based on my experience as a user and observer for both systems. I could have written a book about this, but decided to be as brief as possible, though this post is still pretty long (it certainly was to write).

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Dominique is an Associate Professor in the Zachry Department of Civil Engineering at Texas A&M University. His research work aims at reducing the negative effects associated with motor vehicle crashes. When he's not developing mathematical and (more...)
 

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