The concept of health insurance in the US

I’m now back in Sweden after an amazing three weeks in Guam and currently am suffering from a severe Guam hangover. From sunny tropical weather to darkness and snow on my face for the next couple of months, yes there is a difference. Ah well, at least winter is kinda pretty and Christmas is just around the corner.

During my time working as “Dr. Sam” at the clinics and hospitals in Guam, I got to experience what is really alien to most of us here in Europe, which is the novelty of health insurance.

It’s true. All treatments are based on the insurance of the individual.

Let me explain it a bit more. Before going to a doctor, to be sure that the insurance will cover it, you need to apply for what you will be going to the doctor for. Because of this, some people are forced to wait, which sometimes leads to the worsening of their condition. Sometimes, it gets too late. This is mainly the case of patients who cannot pay for it first, or those who don’t want to risk the ability of not getting reimbursed by their insurance.

Secondly, there are different types of insurances. Depending on the type of insurance you have, doctors will treat you differently. Most health insurances are costly and privately owned, but some patients get free health insurance from the government as they are earning below a certain amount. Because of this, some greedy doctors (I’ve heard) do not prioritise these patients, as they barely will get money from them from their health insurance. In contrast to the patients with expensive health insurances, they will profit a lot from them.

To those who do not receive free health insurance and cannot afford the privately owned one, they’re in trouble. Going to a doctor then becomes very expensive, and a trip to the emergency room alone would cost several thousands of dollars. I wish I was exaggerating. Even the medicines are expensive.

For example, during my time in the US I managed to get an external otitis, aka swimmer’s ear. For this I needed anti-bacterial ear drops for. I got a prescription from my uncle, went to a pharmacy, and got my ear drops for $57.60. This is about 550kr. In comparison, I had a surgery in my arm in Stockholm in May, and that cost 350kr. Crazy isn’t it. I guess in this way, in one way or another, it is good to be home.

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