This was meant to be a post on Spring! And how Spring seems to be coming! And pretty blossom! Because today is officially September 1st and we have, as they say here, pasado agosto (gotten through August), the worst month of the winter, successfully. But no. Today I’ve been feeling rather wintery. My asthma problems that we thought would be solved once we moved out of mould are back and I’m feeling generally crappy for general non-specific winteryness reasons as well. So, today I made myself go to the doctor’s.
On one hand, healthcare for us here is really efficient. We have an ISAPRE, which is sort of like private health insurance. If you see a doctor, you go straight to a specialist. Which can be baffling, as whom do you go to if you have the flu, for example? But the clinicas, in our limited experience, are clean and a bit nicer than the ones at home, and we’ve heard treatment is good.
Today, I walked into a clinic a few streets away and got an appointment within 45 minutes to see a bronco pulmonar (respiratory specialist). Which was all fine and useful, apart being asked the usual annoying stuff like a) do you dry your hair after you wash it? (not doing so is seen as pretty life-threatening here) b) you do know that your Flixotide is a preventative inhaler, right? And c) let me write your prescription in English for you, but just the bit about taking things at bedtime. All very useful up until I took the prescription for my inhaler (my stash from the UK is running low) and new anti-allergy stuff to the pharmacy.
Where I had to pay $32,000 CLP (£40) for my Flixotide inhaler.
Where they charged me $12,000 CLP (£15) for a nasal spray.
And wanted $53,000 CLP (£65) for some tablets, or maybe $32,000 CLP (£40) for the cheaper generic version.
This was not for bulk quantities. Just a month’s worth of prescriptions.
So, looks like it’s going to cost me around $100,000 CLP or £125 per month to have asthma. On top of our insurance, which costs around $90,000 CLP for both of us (I’m the expensive one, as I have a uterus. See further rant about this here, from another expat).
The question is: how on earth can anyone afford to have a relatively minor medical problem like my not particularly serious asthma? I don’t earn very much, a fraction of what I did in the UK, but I earn more than the average salary here. I guess I will be going back, probably to another doctor, to ask that they change my meds to cheaper ones. And I will be attempting to make use of the little discount we get with our ISAPRE for going to one particular pharmacy chain.
Oh NHS, how I now appreciate you, with your £6.50 flat charge for any prescription, with the option of buying a pre-payment certificate which allowed you to have as many prescriptions as you needed in a set time period… OK, the NHS is really really bad on waiting times – the trouble I went through in London to get a simple GP appointment, and the delay patients face on tests and scans, really important ones at that, is ridiculous to the point of being dangerous in some cases. Not to mention the postcode lottery on your treatment and whether your local trust will pay for particular new but expensive drugs. But I’m beginning to see that healthcare here isn’t as straightforward as I’d thought. And of course, I have no experience of the public healthcare system. And I haven’t been ill enough to have to take a day off yet, which is lucky as I don’t have the right to sick leave. Yep, that’s right. No sick leave.
And here we shall leave this topic. This post has been cathartic, but I guess I took a lot of things for granted at home. Things that I thought were pretty basic.
eew. the doctors give me sick leave but it gets discounted from my pay cuz i dont officially have the sick leave option either.
there are obviously the good and bad with healthcare here. i think you have to be in the system a while to get it too. for me, when i get sick (a lot, apparently) i have no idea where to go, like you said if i dont know which specialist to go to. plus my ISAPRE works with a billion places and i dont know which one to go to first, which one gets me in the soonest, if my sickness is serious enough to go to the better yet more expensive places, etc…
the pharmacy is always the killer, though!! you can ask the pharmacist sometimes if they can give you the cheaper version. sometimes they seem more lenient to foreigners, sometimes they give me prescription meds without the prescription even, probably figuring we need them but dont know how to navegate the medical system to officially get them.
ugh, i write all this sick in bed, hoping i dont have to go deal with any of this today.
By: lydia on 09/09/2010
at 12:07 pm
Oh no! Sorry you’re ill again
And you have holiday at the moment, right? Typical sod’s law timing.
I know what you mean about the ISAPRE confusion – mine is pretty much everywhere as well, but the more expensive places don’t show up on the bono simulator, and I get confused about how to buy them anyway, and end up getting a reembolso. Which sort of requires a trip with Stu to their office as he’s the titular and the one with the cedula (still waiting for mine!). I even have a funny five digit RUT that my ISAPRE made up just for their purposes.
I like how with Megasalud Viña and Cuidad del Mar you can book online. I still hate speaking Spanish on the phone so that’s a huge bonus. Cuidad del Mar seem to have appointments quite quickly, but they are about double the price of other places, like Megasalud, who seem to have general medicine appointments available the same or next day.
Thanks for the pharamacy tips. Hope you feel better soon!
By: ironicallydull on 09/09/2010
at 1:50 pm
The system you describe (NHS), sounds similar to Chilean Fonasa (I think it´s the equivalent, if NHS stands for National Health System), and the situation is the same, many prescriptions are a lot cheaper or even free in some cases, but the waiting time it´s a lot longer.
If your condition will stay with you a long time, maybe Fonasa could be a better option, since they could provide the prescription at lower prices, and, there´s something else, the AUGE. Check this link:
http://www.supersalud.cl/568/w3-propertyvalue-3050.html
I hope Lydia and you both get better.
By: Marmo on 09/09/2010
at 3:16 pm
Thank you Marmo, that’s really useful!
By: ironicallydull on 09/09/2010
at 9:37 pm