http://www.guardian.co.uk/society/2009/aug/19/nhs-healthcare-americaStephen Bates' intensive treatment after a serious fall has left him bewildered by attacks on the NHS in AmericaOf all the thoughts that flashed through my mind as I fell from 15ft up a ladder one morning last May, the potential financial cost of my unexpected descent was not one. I had been trying to paint the weatherboard above the bedroom windows of our house; a whim that had occurred to me in the middle of the night (as these things do) while working out chores for my week's holiday. Unfortunately, I reached just a little too far on a ladder just a little too short, and suddenly felt it slide from under me. Bouncing off the wall, knocking off the guttering and a carriage lamp in the process, I eventually collapsed in an inelegant heap on top of the ladder.
In the agonising hour that followed before our next-door neighbour arrived home and found me whimpering piteously for help, left leg utterly unresponsive, I had time to think of many things – including how stupid I'd been – but never the implications of my future treatment. This was Britain, after all. I would, without question, query or censure, be treated by the NHS at no cost to myself.
Not so, perhaps, had I bounced off the front of my parents-in-law's house in Houston, Texas. They are in their early 80s, expatriates from Britain for more than 50 years, and have followed my medical care with what I now realise is more than solicitous interest, thanks to the vitriolic US healthcare debate of recent weeks and the slagging-off that British medicine has received as a result (why do Americans always home in on the state of our teeth?).
When we spoke last weekend, my mother-in-law, Sheila Thurau, had just received a letter telling her there was only $945 (£570) left to spend on treatment for her this year, under the US government's Medicare scheme for over 65s. As her current bill for the sort of medication 82-year-olds need – blood pressure tablets and the like – comes, so the letter informed her, to $262 a month, it will be a close-run thing whether she emerges in credit.
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Of course, if they were younger they would have to be paying medical insurance – the average annual cost of a family policy tops $12,000. Without it, as they discovered from their doctor in Houston, an accident like mine might leave you facing life-changing bills upwards of $75,000.
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