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During all the years I’ve been an independent life insurance broker, I’ve had more than enough of opportunities to answer questions regarding the ups and downs of both the US and Canadian health care system. Certainly both of them have many faults, but the whoopers I sometimes get to hear regarding the Canadian health care system, well, that’s a bit too much. Let’s mention some of them.

“The health system in Canada is much more expensive than the system in America.”

To begin with, there’s this faulty assumption about the cost. Compare the numbers yourself: US spends 15 percent of GDP, leaving at least 15 percent of its population without any coverage, while Canada spends ten percent of its GDP, covering 100 percent of Canadians. For example in 2005, the Americans spent US$6,401 per capita on their health expenditures – that’s almost twice the sum spent in Canada that year – US$3,359.

“The administrators in Canada is in control of everything: they judge who gets the treatment.”

Why should the government be responsible for such decisions? It’s only up to the physicians to decide who gets treated and when and how. But when you look at the situation in America, you realize that in fact the insurance administrator has more power than your physician when it comes to determining if you will or won’t get for example an MRI.

“The plan only covers the bare basics, so you have to pay a lot on any extras anyway.”

Every provincial government has its own rules concerning what is and what is not included by the public health insurance. But mostly it’s all the doctor’s fees, tests and everything that happens in the hospital is included. It mostly doesn’t cover the medical equipment, dental and vision care and other extras. Because all these extras can be quite well estimated (all the really expensive stuff are included by the national insurance), some private plans are offered (i.e. FlexCare Program from Manulife) with low-cost premiums to cover them. All in all, you end up having access to any treatment you might need, paying much less for the public & additional health insurance combined than any of the Americans have to pay for the same kind of services.

“The biggest problem with the Canadian system are the long waits. In fact, Canadians rather travel to the US for their treatment.”

This statement has something in it, but only to some degree: if you require some kind of specialist treatment, you could wait a few weeks or up to 1 month, and for selective surgery the waits could be even longer. But if you need an cogent surgery, you get it fast. And the best part is that no one is interested in your financial situation: whether rich or poor, you are treated the same. For example, if you cannot be served urgent care you need (i.e. surgery) and you cannot get it as fast as it is medically required, you will most likely be sent to the States – at the expense of the state insurance. Only those Canadians who pay out of pocket for their treatment in the US wish to get the treatment faster than their physician finds necessary.

“In Canada, the physicians work for the government. And the government chooses the physicians for you!”

Not true. Even though the Canadian are paid by the provincial government, they are not employed by it: the keep their own practises just like the doctors in the US. And of course you can pick the physician yourself.

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