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Edit: This story about Aetna being successfully sued for 25M USD only happens in America and is, in my view the main argument why being scared of “single payer systems” is ill advised.Lets start by making sure we have the same understanding of things:Single payer = where one entity (usually a government entity) uses a pool of funds paid into by the whole community/country to pay the health care providers (doctors/nurses/pharma) for the services they provide to the community.Socialism = a political and economic theory of social organization which advocates that the means of production, distribution, and exchange should be owned or regulated by the community as a whole.Socialist country = as defined above would be countries like Mainland China, the former soviet union, cuba, vietnam, depending on how you look at it North Korea…Socialism (bis): Often used by political parties who propose a society where the richer pay a larger tax in order to support infrastructure and policies that also support the lower income portion of the population.Although to a lesser extent than most advanced nations, the US is a Socialist(bis) nation. Less so than most countries in Europe, but you do have medicaid and host of services offered by the government.My first question to you is which of the two definitions are you using?For the sake of the argument I am going to assume you are using definition (bis) which includes countries like Denmark, Finland, Australia, Japan, France, Italy, Germany, Netherlands, Belgium, Greece, Canada.Within Single Payer there are many ways to do it and two levels:Reference: List of countries with universal health care - WikipediaFree Health care: Free health care refers to a publicly funded health care that provides primary services free of charge or a nominal fee to all its citizens, with no exclusions based on income or wealth.[3]Universal Health Care: Universal health care, sometimes referred to as universal health coverage, universal coverage, or universal care, usually refers to a health care system that provides healthcare and financial protection to more than 90% of the citizens of a particular country.[4]There are 118 countries who provide both Free and universal health care.These include: All of the countries I listed above as examples of “socialist (Bis)” countries, as well as other countries such as Vanuatu, Palau, Uruguay, Chile etc etc.There are 43 countries that provide neither of these. ie if you are sick you are on your own or at the mercy of the free market.These include Iran, Iraq, China (a socialist country in the real sense of the word), Turkmenistan etc … with two exceptions, all poor countries who are behind in their development. Exception 1 is China…(although one can debate as to exactly how advanced it is). Exception 2 is the United States of America.So only 25% of countries provide neither universal nor free healthcare… And with the exception of the US, they are all poor countries (if one thinks a majority of Chinese people are still in poverty)Over 50% of countries provide both. Do you see mass demonstrations in the news about health care being bad in 50% of the world?The fact that 50% of the world (including a large number of democracies) are voting for policies and to keep single payer systems alone is an indication. Now please go on the net, and do some research, and tell me what percentage of the world outside of the US is looking at the US health care system and saying “maybe we should do like them”… (ie the perception the US system is better than the one they have now). While you will for sure find many many pages about how they wish their system to be improved, I challenge you to find information on a country in which people are voting for law makers who propose to change to the “multi payer “ system the US has… In fact I challenge you to find a law maker outside of the US who is even suggesting (never mind pushing for policy) their country should move from single payer to multi payer. Does that tell you anything? Do you think their might be a reason for that?Now lets look at the results. The point of the health care system is to keep you alive and healthy so lets look at track records:I don’t know about you but I think children are important. So what is better to help children: Single payer or not? According to your logic (ie single payer is bad), countries with single payer should have a higher mortality rate and those without should have a lower mortality rate for children. Here is how the CDC (US organisation) ranks infant mortality rates in the world: US… 27!!!!! BEHIND Poland Hungary and Slovakia, all of which are signNowly less wealthy countries than the US. Please also note that EVERY SINGLE country ranked above the US on that list has both free and universal health care / single payer. (https://www.cdc.gov/nchs/data/nv...)But maybe infants/children are not important to you. Lets look at life expectancy:The US is 31 !!… behind countries like Slovenia, Chile and Costa Rica… not exactly known for being paradise of wealth and health on earth (with all due respect to these countries which I happen to like)List of countries by life expectancy - WikipediaMaybe you say, I’m not interested in living long. OK lets go to how does the World Health Organisation rank national health care systems ? Keep in mind the WHO (as it is known) incurs strong influence from he US.US Ranking : 37… BEHIND Morocco (Single Payer, Universal) and Colombia (Single Payer, Universal and Free)!!!World Health Organization's Ranking of the World's Health SystemsI challenge you to find one … 1… one ranking where the US health care system (or lack therein of) comes in the top 10 for positive outcomes for the population at large.So, I’m sorry but what is scaring you exactly?Please tell us so we can look at it.Thank youEdit: Let me add the economic side to it.“The U.S. spent $8,233 on health per person in 2010. Norway, the Netherlands and Switzerland are the next highest spenders, but in the same year, they all spent at least $3,000 less per person. The average spending on health care among the other 33 developed OECD countries was $3,268 per person”Health Costs: How the U.S. Compares With Other CountriesSo look at this way: not only is multi payer system inferior to single payer at keeping you alive longer and keeping children healthy and alive longer, it also costs about TWO TIMES MORE per person than Switzerland (ranked 20) , Netherlands (ranked 17) and Norway (ranked 11). Which implies the top ten countries pay less than half what the US pays per person to be in top 10 except the US is 37 out of 200 countries…So lets put it this way: Your multi payer health care system actually performs in such a way you spend twice as much as #11,17,and 20, and nearly 3 times over the global average to make it to #37 BEHIND THIRD WORLD COUNTRIES, as shown by the infant mortality rate and life expectancy rate. Think about it this way: if you spent the same as the rest of the world, you would be #80 something…with every one of these countries having single payer…. And by the way, in the case of Single payer, when we say “costing them”, the government pays, so people are not going bankrupt because of health issues. In your case, it is YOU… paying and when you have cancer, diabetes, or some form of heart disease, it is you who will be paying much MORE than 8,000 dollars, where a single payer patient would be paying probably around $500 if you average out across the different systems (ie, the govt pays most of the bill and the individual is left with 10~30% depending on which country it is, a bit like a deductible if you like)…. So not only do you not seem to like to live long, and not seem to think it is important to give your kids the medical care they need to prevent them from dying at a higher rate, you also seem to like paying 12 times (when comparing what is paid by the patient) more for the privilege of not getting what people in other countries do get. So you are terrified of what?EDIT: This is one of many perfect examples of why single payer works much better:Girl has words for Aetna after brain surgery deniedThis ONLY happens in the US on a very very REGULAR basis. I might add when I was living in the US, my insurance denied a trip to the hospital for my then wife who was complaining about acute stomach pain. “wait till tomorrow” they said We went anyway. She was operated on immediately. She had peritonitis. She ran the risk of dying because I had to choose between paying thousands of dollars (I was billed 6,000 for the ambulance) or wait till the next day. A company who has a financial interest in making sure you don’t get treatment should not be allowed to make decisions on whether you need it or not.EDIT 2: Here is a graphic that says something: Notice less advanced and far less rich countries than the US have it too, and notice non of them are “Socialist” as defined in the dictionary and executed in the USSR or China.

Not at the diagnosis itself but getting here has been kind of amusing.A few years back, a doctor looking at a chest x-ray noticed that I had a healed crushed vertebra. I knew that I had hurt my back a year earlier but didn’t realize it was a crushed vertebra. When I told her that I got it lifting a shop-vac into my pickup truck, she was suspicious. As a (then) early 50’s male, I shouldn’t have bones getting crushed for something that innocuous. She ran some tests that showed that I had abnormally low bone density but everything else was fine. She suggested that I see a specialist.After a (long story) while I get to see an hematologist/oncologist. They start doing some measurements of protein in my blood. The value keeps rising. Bone marrow and biopsy tests from my hip shows unusual cells. The doctor says I have Waldenstrom’s macroglobulinemia. But … they keep testing and the protein value roughly stabilizes. It’s too high but not high enough for a definitive Waldenstrom’s diagnosis. I have Monoclonal Globulinemia of Unspecified Significance, MGUS. Treatment is to watch and wait to see if it develops into something more serious.This summer, I crush another vertebra lifting up a computer. MRI scan shows a tumor in the crushed vertebra and the vertebra next to it as well as some other damage. Diagnosis? Multiple myeloma.I get signed up for a clinical study for multiple myeloma. Doctors need to get another bone marrow and biopsy from my hip to baseline my condition before starting treatment. Diagnosis? Not multiple myeloma. It’s Waldenstrom’s.The hematologist wants to have a back specialist take a look. When I see the very experienced back specialist he says that he’s never seen Waldenstrom’s lead to crushed vertebra. Diagnosis? It’s probably multiple myeloma.But, importantly, he says we can’t keep guessing. We need to get a bone marrow and biopsy test from the vertebra to be certain. Result? It’s Waldenstrom’s. Everybody is now in agreement.I know way more about my immune system than I ever expected to know.

The spouse of a person that is holding a Japanese Working visa should possess a dependent visa.If that's the case, the spouse can go to the Immigration Bureau and carry along certain required documents, and fill out documentation to request permission to work in Japan. The spouse will get a stamp in the passport.This limits working hours to a maximum of 28 hours per week.As Chan Liyanage, the spouse will be required to fill out an annual Tax Declaration form in which he/she states the income for the previous year, and though the work is online, I would think you would have to declare it. I know someone that has an online blog and she pays taxes on her income, but her blog is about Japan, so I'm not sure if that's the difference and she gets lots of earnings through it. The form does ask for any earnings, and they even ask how much money you receive from home, family, etc.Also, there is no limit to what the spouse can do (except for anything in the sex industry or anything that is illegal, but I'm sure that's not an option for you, anyway). There are lots of English teaching jobs, she can teach online on Learn a language online. Etc. The government gives a little monthly stipend for your child, that can help cover some very basic necessities, it can be quite useful.Instead of using private nurseries, apply as soon as the child is born for government nurseries, you pay 3-4X less.Also, note that hospital fees are nearly free for pre-natal care, you only pay when there are complications and you go outside of the appointments. But pre-natal care is nearly free, and when you give birth, the government may assist with hospital fees. We didn't pay anything at all when I gave birth. I feel lucky in that sense. The most important thing is to make sure that you pay your taxes and declare everything (this will apply for both spouses), and also that you have insurance (we have the national health insurance).

My first games of Monopoly as a child were extremely simple.  We collected $200 when we passed Go.  We bought houses and built up property.  We got paid rent when someone else landed on our squares.Later games became more and more complicated.  We started to pay each other for Get Out of Jail cards.  We started to write IOUs and charging interest.  We created convoluted contracts--I would trade someone a property they needed to create a monopoly so long as I collected a percentage of the rent.  We even traded winning conditions.  At its core, the game was still based on the basic idea that you got paid if someone else landed on your square, but all the side deals we would make made games get quite complex and at times, it was difficult to keep track of where everything went.Payment in medicine is very similar, in that payment has a basic core with countless arrangements made on top of it.  The core of how doctors make money is that they get paid for a service, which is usually either a consultation (e.g. doctor, what do I have?) or a procedure (e.g. doctor, stitch me up please).  This method of payment is known as a fee-for-service scheme, and it is the most common method of payment.  How the pricing for services gets decided is a complex topic that merits its own discussion, but suffice to say, it is negotiated (as all prices are) between the payer (often an insurance company) and the payee (often a group representing doctors).For the bulk of their work, doctors use billing codes (Medical Billing Codes - ICD-9-CM, ICD-10-CM, CPT®, HCPCS - Medical Coding) to report what they have done and insurance companies pay them based on those codes.Where things get complicated is that there are lots of side deals--in fact, anything that is legal is fair game.  There are uncovered services (filling out forms, cosmetic procedures, etc.) that may not be listed under specific billing codes, and doctors can charge what they want for those.  There is co-payment, where more than one person (often partially the patient and mostly the insurance company) pays for the services.Doctors can also agree to alternative payment schemes.  These models include capitation, wage as well as salary based models.  In a capitation model, a doctor gets paid for having a patient on his/her roster, and then agrees to see that patient whenever.  In a wage model, a doctor is paid based on the time they spend working.  In a salary model, the doctor works for someone else and is paid a fixed amount for the duration of the contract (e.g. one year).These models have their pros and cons, and lots of other arrangements have been superimposed to try and make them work.  For example, the purpose of the capitation model was to encourage doctors to not rush their services--by paying a doctor to take care of x number of patients and not by how many patients he/she sees, maybe the doctor would not have the incentive to rush appointments.  However, this had the unintended consequence where physicians would purposely roster healthy patients because they are easier to take care of, meaning you can roster tons of them and get paid more.  So then some insurance companies tried to pay doctors extra for seeing more complex patients--but then that encourages doctors to make patients seem sicker than they are.The wage and salary models, on the other hand, were designed to pay doctors for "being there"--it is most often used by hospitals paying for emergency room physicians, pathologists and radiologists for their work.  The problem, though, is that the hospitals need to be paid in order to pay the doctors, and in order for that to happen, they need the doctors to tell them what they did so they can charge the insurance company appropriately.  To solve this issue, they introduced shadow billing, where the doctors still report the work they do using the billing codes, but those numbers get reported to the hospital and the doctors are only paid a  fraction of the billed fee (as compensation for completing the paperwork).And touching on these models just skims the surface.  There are also experimental payment models, such as pay-for-performance, where doctors are compensated for better health outcomes and group payment models, where doctors band together to provide a set number of services and choose how they split up their earnings on their own.  Not to mention all the other ways doctors can get paid, such as by working on the side as consultants or getting paid for participating for providing data for clinical research trials.So it's a complex field, and actually a pretty exciting one these days from political, technological and medical viewpoints because so many people are asking whether all this healthcare is actually resulting in better health (What Is the Business of Health Care?).tl;dr: they get paid for seeing patients and doing specific procedures, unless they've agreed to some other way of getting paid.

My dad tripped in his hotel room in Shanghai; there was a step between two levels he didn’t see. He fell and got a huge gash in his head. He was at the ER in 5 minutes. In to see a doctor in 8; had the staples in 20 minutes later. Was released after an hour with all his medications and bandages. Total cost for a head wound: $200 bucks.When he got home he went to a doctor to check it out and make sure it was OK. China after all, right? He waited 3 hours after he arrived 15 minutes early to his appointment. Doc looked at it for five minutes; said the guy did a great job. Total cost of check up: $250.And China isn’t a developed country.

Well, you might want to read this direct comparison by a writer at Business Insider who took advantage of his dual citizenship to compare how the U.S and U.K. systems dealt with the same problem.Pros for the US: he was offered the chance to schedule his appointment at a time convenient for him (similar to my experience on multiple occasions here) instead of being told when he had to show up with no chance to change it. When he needed to see a specialist, the earliest appointment was in days, whereas the NHS told him to come back six weeks later. He also did not have to listen to old people complaining about not being seen within ten minutes of coming in, and there were magazines in the waiting room (But see below). He did not have to put up with a barrage of wall posters telling him not to come if he had just a regular old cold or flu.Pros for the UK: When coming in at the time required of him, he did not need to avail himself of any magazines, and had to put up with the elderly people’s complaints, because he got seen within ten minutes (He acts like this is unusual by American standards, but in my experience it’s unusual only if you usually schedule appointments in, say, the early afternoon or after work when everyone else does. When I’ve had first thing in the morning appointments, I usually don’t have to wait too long either).So now to your question, based on the above: How would the experience of having less hassles, and not seeing the money change hands, change Americans’ attitude toward health care?My wife’s grandmother, who emigrated from Scotland to the U.S. in the ‘50s, always said that if something like the NHS were available to Americans, everybody would be running to the doctor for the tiniest thing, i.e. going to get prescription cold meds every winter (And I suppose the signs the BI writer noted in the NHS waiting room suggest there’s something to this (Discussion: Is this a subtle way of rationing care by putting that on the patient rather than the state?)The nightmare scenario conservatives like to conjure up, where people’s healthcare consumption just increases, at great cost to the government, and ruins the economy, seems to me to be at odds with one thing conservatives have often pointed out in response to liberal doom-and-gloom scenarios: People adapt to these changes. Sometimes better than you expect them to.For one thing, conservatives have a nice control group to look at for how American behavior would or would not change if they had something like the NHS: people who already have good enough insurance that they can just go to a doctor whenever they feel the need, through their employers, without anything more from them than the co-pay, and no attempts, broad or subtle, from the insurer to discourage possible overutilization).Thankfully, I have that kind of coverage through my wife’s employer (which has been beneficial in a couple of instances as I have signNowed middle age), and I don’t think that has turned me, or anyone else I know with that level of coverage into a glutton for health care. Of course, one reason conservatives don’t want to bring this up is that the group of people I’m talking about is, like myself, largely white and affluent, i.e. in the conservative mind that group of people whose behavior can be counted on to be “correct” by default. The unspoken assumption is that if we had that kind of health care available to everyone, all these poor (and nonwhite) people would run out and get every possible treatment they could think of with no concern to whether they were bankrupting the system or not.What this assumption leaves out is that health care is a necessary good/service, not a luxury one. And as a necessity it entails doing things we otherwise avoid doing. Nobody other than heroin addicts considers getting an injection something to look forward to. Nobody likes stripping down and getting scanned for something. The results of those actions, the peace of mind that treatment would give you, yes, but if you could just get that without those things, you would. And even without that, some people are just not going to go to the doctor ever so they don’t have to hear yet another lecture on how they should smoke/drink/eat certain foods less or not at all (I suspect this is true in the UK as well).And even without that, health care takes your time. The other great economic input in decisionmaking.So I suspect American behavior toward their health care wouldn’t change as much as people either hope or fear if it were “free” (as in, no forms to fill out and no copay).

I was selected for a summer internship 2016.I tried to be very open while filling the preference form: I choose many products as my favorite products and I said I'm open about the team I want to join.I even was very open in the  location and start date to get host matching interviews (I negotiated the start date in the interview until both me and my host were happy.) You could ask your recruiter to review your form (there are very cool and could help you a lot since they have a bigger experience).Do a search on the potential team.Before the interviews,  try to find smart question that you are going to ask for the potential host (do a search on the team  to find nice and deep questions to impress your host). Prepare well your resume.You are very likely not going to get algorithm/data structure questions like in the first round. It's going to be just some friendly chat if you are lucky. If your potential team is working on something like machine learning, expect that  they are going to ask you questions about machine learning, courses related to machine learning you have and relevant experience (projects, internship). Of course you have to study that before the interview. Take as long time as you need if you feel rusty. It takes some time to get ready for the host matching (it's less than the technical interview)  but it's worth it of course.

You don't have to be a lawyer, just have it signed Do-it-yourself wills can save you money, but create a mess for your heirs when you're gone. A. You don't have to have a lawyer to create a basic will \u2014 you can prepare one yourself. It must meet your state's legal requirements and should be signed.

You don't have to be a lawyer, just have it signed Do-it-yourself wills can save you money, but create a mess for your heirs when you're gone. A. You don't have to have a lawyer to create a basic will \u2014 you can prepare one yourself. It must meet your state's legal requirements and should be signed.

Start a new word processing document or begin writing in ink on a blank sheet of airSlate SignNow. ... Specify that the document you are creating is your will. ... Identify your spouse or most recent ex-spouse by name if applicable. ... State the number of children you have who are currently living and supply their names.

Do I Need to Have My Will signed? No, in New York, you do not need to airSlate SignNow your will to make it legal. ... A self-proving will speeds up probate because the court can accept the will without contacting the witnesses who signed it.

There are four main requirements to the formation of a valid will: The will must have been executed with testamentary intent; The testator must have had testamentary capacity: The will must have been executed free of fraud, duress, undue influence or mistake; and.