Of 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.
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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.
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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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I have so far spent three weeks in hospital, had four operations under general anaesthetic, daily home visits from district nurses and face weeks, if not months, of more care. Yet I have never been asked for my credit card or insurance documents before treatment, as I was the only time I fell ill while visiting the in-laws in the US. No one has murmured that this treatment or that service might be a little on the expensive side, or will incur a delay. And no one – despite what conservative Republicans allege – has yet questioned whether my life is still worth living, or whether amputation would be cheaper.
I can't tell what my treatment has cost the NHS, but I have some idea what it might have been in the US thanks to the in-laws' doctor, who gave an estimate based on prices in Houston. The figures are eye-watering. She reckons: $12,000 per operation; up to $3,500 for anaesthetics each time; hospital at $500 a day and ambulance $300 a trip. That's not counting the cost of medicine. It adds up to more than $76,000, or at least £47,000. We'd have had to sell the house I was so rashly attempting to paint.
http://www.guardian.co.uk/society/2009/aug/19/nhs-healthcare-america