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Europeans Mull Free Medical Care Benefits

By Paul Ames and Raf Casert, the Washington Post
 
 
November 28, 2003

BRUSSELS , Belgium - Pierre Berthelot enjoys a golden sunset in the south of France , despite the aches and pains of his 83 years.

Happily, paying hefty medical bills is not a big worry.

"Just about everything gets reimbursed at 100 percent," the former diplomat chuckled. "It is tough to think of a better system."

Europeans have long been proud of their cradle-to-grave public health systems and critical of the U.S. approach - under which 40 million people lack health insurance.

Earlier this week, Congress approved a sweeping overhaul of Medicare, created in 1965 to provide public health support for the elderly.

The changes introduce a new prescription drug benefit for 40 million older and disabled Americans and create competition between traditional Medicare and private plans beginning in 2010.

Supporters say the reform was long overdue, while detractors worry it could place the elderly in the hands of private companies more concerned with profits than quality medical care.

Europeans also are debating the costs of health care and the role of private insurers as government finances are strained by the responsibility of caring for a growing elderly population.

"We are slowly getting away from the principles of the European social model that health care was a right and that the community made treatment available," said Anne-Sophie Parent, the director of the European elderly people's platform AGE.

Government drives to cuts costs risked "an approach where you end up with different classes of service, where those that can afford it have the best care and health becomes just like any other service you can buy," she said.

But in most of western Europe, health care is still available free or at low cost.

For example, Swedish patients pay small fees for doctor visits, but never more than $118 a year total. The state also absorbs all medicine costs above $236 a year.

In the French village of Sempesserre , 435 miles south of Paris , Berthelot picks his own doctors and hospitals. He pays the bills upfront but is reimbursed for most costs.

Belgium enshrined "the right to health" in its constitution. Benefits for the elderly range from subsidized cab rides to and from hospitals to covering most chemotherapy costs.

A three-day treatment session for cancer patients costs $2,000, but the patient pays only $36 of that. Some patients can have a dozen sessions a year.

One elderly man recently received a check in the mail for $300 without explanation. He called the health service and was told he had been designated chronically ill and thus deserving of the extra annual payment. Annual flu shots are free, too.

Despite fiscal restraints and an economic slowdown, the Belgium government plans annual health spending increases of 4.5 percent a year.

Norway 's social welfare and health care programs consume 35 percent of its budget.

Finland 's government spends about a quarter of its budget on health care, while Sweden spends 20 percent on health care, the sick and the disabled.

To pay for it, Europeans have some of the world's highest taxes.

"We are prepared to pay more and have the best services," Parent said.

However, rising costs have taken their toll.

In Britain , the National Health Service, set up in 1948 and long regarded as a model for free health care, has suffered from years of underfunding and is plagued by long waiting lists.

Although most health care for all is free, as are prescription drugs for patients over 60, the long waits and sometimes patchy services in public hospitals have forced some to use the expanding private sector.

"For a lot of older people, that isn't a choice," said Penny Banks, of the King's Fund health care charity in London .

She also complains that the definition of "health services" is limited, with seniors often paying for in-home or residential care not directly linked to medical treatment.

Even citizens in Sweden and Finland are turning to private clinics to cut waiting times for treatment.

In Russia , all elderly people are issued medical insurance cards to get free care and usually are assigned to a neighborhood clinic. They also get discounted prescription medicine.

Yet a decline in public services has seen those that can afford it switch to private care.

The French system, created in the wake of World War II and frequently held up as one of the world's best, was caught unawares by this year's summer heat wave that killed 15,000 people, mostly elderly.

Berthelot, who spent those months sheltering within the thick walls of his centuries-old rural residence, said he was confident that support for the health services will remain strong.

"Even though it takes a bite out of the government budget, we all see the advantages of the system," he said.

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