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      <title>Money Matters Assignment #2 - Health Insurance by </title>
      <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd</link>
      <description>by Rafik Guirguis</description>
      <language>en-us</language>
      <pubDate>2024-04-01 23:59:27 UTC</pubDate>
      <lastBuildDate>2024-04-02 03:27:33 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <url>https://padlet.net/icons/png/1f499.png</url>
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      <item>
         <title>Website #1</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939606785</link>
         <description><![CDATA[<p>Our Canadian health system, renowned for its universal coverage and publicly funded structure, is revered across the globe. However, the system itself has come under great scrutiny lately due to its inability to accommodate Canada's growing population. Wait times surpassing six months for specialist treatments have caused a great deal of dissatisfaction among Canadians, due to an increase in posed health risks. Costing billions, the strained system is being called on for reform by an expanding collective of critics. Some are even exploring the possibility of privatized healthcare. </p><p><br/></p><p>I chose this article because it resonated with me; having health issues, I understand the struggle of having to wait months for simple tests and follow-up referrals, sharing waiting rooms with other patients, exposed to an array of new ailments compounding preexisting conditions. While I don't believe that privatization is the solution, I do believe that reform is necessary.</p>]]></description>
         <enclosure url="https://www.forbes.com/sites/sallypipes/2023/12/26/canadian-health-care-leaves-patients-frozen-in-line/?sh=36b37721c529" />
         <pubDate>2024-04-02 00:25:46 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939606785</guid>
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         <title>Website #2</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939622023</link>
         <description><![CDATA[<p>This website is incredibly important for any Canadian citizen traveling outside of Canada. It provides essential information on the necessity of purchasing trip interruption and travel health insurance, highlighting the potential premiums travelers face for medical treatment abroad. The website explains that it's crucial for outsourced insurance policies to cover pre-existing conditions, repatriation in case of death, and medical evacuation, in addition to trip interruption coverage. Travelers are encouraged to thoroughly review their policies, identifying gaps in coverage, and ensuring they understand all terms and requirements. </p><p><br/></p><p>I chose this article because, as an event planner, I will frequently travel internationally for various events. Comprehensive coverage is crucial to ensure my safety and health throughout my journeys. This website provides valuable information on what to consider when shopping for health insurance, serving as a reminder that Canada offers limited assistance to its citizens abroad.</p>]]></description>
         <enclosure url="https://travel.gc.ca/travelling/documents/travel-insurance" />
         <pubDate>2024-04-02 00:36:13 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939622023</guid>
      </item>
      <item>
         <title>Website #3</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939640193</link>
         <description><![CDATA[<p>I am personally very excited about the information announced on this website. The long-awaited universal dental health plan coverage for Canadian citizens is officially being introduced, starting May 2024. The Canadian Dental Care Plan (CDCP), in collaboration with Sunlife, aims to support uninsured Canadians by covering a number of essential dental services. Comprehensive services such as crowns and partial dentures will require further preauthorization. Dental practitioners and service providers will be able to bill Sunlife directly, offsetting the cost regularly billed to the client. It's noted, however, that provider participation is not mandatory, and eligibility is based on tax statuses. </p><p><br/></p><p>The reason I chose this article is because, like many Canadians, I welcome this news. As a major proponent of universal dental coverage, I am happy to see the government making plans to move forward on this front. Dental care is directly linked to overall health care, and as our health care system struggles to accommodate the growing Canadian population, it's becoming imperative to provide broader care that could potentially circumvent larger issues by treating major contributors such as inadequate dental care. This article provided me with new information regarding the timeline and major insurance company co-regulating and financing the CDCP.</p>]]></description>
         <enclosure url="https://www.canada.ca/en/health-canada/news/2024/02/government-of-canada-announces-the-services-covered-under-the-canadian-dental-care-plan.html" />
         <pubDate>2024-04-02 00:49:14 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939640193</guid>
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      <item>
         <title>Website #4</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939660262</link>
         <description><![CDATA[<p>This website explores the funding mechanisms that drive the Canadian healthcare system. Underpinning the prevalent theme of this Padlet, the website touches on the challenges the system faces, such as overwhelmed emergency rooms and surgical backlogs. Although $46.2 billion has been allocated to provinces and territories from the federal government in 2023, it's apparent that it remains insufficient. Canada is currently on a 10-year commitment to a 5% annual increase in the health spending budget, with a $2 billion 2023 top-up and additional "bilateral agreements" totaling $25 billion. </p><p><br/></p><p>The reason I chose this article is because it provides an in-depth layer of insight into the numbers driving our current health budget. I learned that the government is increasing our budget, albeit marginally, and found it useful to know that the government is attempting to address the issues that plague our system. Granted, these measures seem superficial and aimed at safeguarding the current paradigm as opposed to true reform.</p>]]></description>
         <enclosure url="https://www.cma.ca/how-health-care-funded-canada" />
         <pubDate>2024-04-02 01:06:58 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939660262</guid>
      </item>
      <item>
         <title>Photograph #1</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939663950</link>
         <description><![CDATA[<p>This picture showcases an analysis chart, comparing Canadian Health Care against that of five other countries. Russia has the highest rate of privatized, for-profit, hospitals at 64%--whereas Canada has only 1%. All the other countries allow private payment for necessary care, include cost sharing, and activity-based hospital funding--a method of funding healthcare where providers are allocated funds proportionally to the amount and level of services provided. </p><p><br/></p><p>I chose this image because if effectively showcase the stark different between public health care and private health care with the respect to fiscal autonomy. </p>]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/2407676162/1c100710a814940b4f5bd19f5f5d7142/image.png" />
         <pubDate>2024-04-02 01:10:06 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939663950</guid>
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      <item>
         <title>Photograph #2</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939667116</link>
         <description><![CDATA[<p>This image does an incredible job of showcasing the various services provided by Canadian healthcare insurance plans, including private health insurance. This comprehensive layout highlights the benefits of private healthcare and the many services included that are missing from OHIP, such as vision care, travel medical emergencies, and prescription drugs. </p><p><br/></p><p>I chose this image to present the facts related to the counterargument against public healthcare. I believe a balance between public reform and privatization could be beneficial, as it would provide services for the uninsured while relieving the strain on the public system through privatization.</p>]]></description>
         <enclosure url="https://padlet-uploads.storage.googleapis.com/2407676162/61f9b938d48e262a7f3bfd0ab26e153c/image.png" />
         <pubDate>2024-04-02 01:12:38 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939667116</guid>
      </item>
      <item>
         <title>Video #1</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939724415</link>
         <description><![CDATA[<p>This video encapsulates the general functionality of the Canadian Health Care System, emphasizing its foundation in universal coverage funded by taxation. It highlights the distribution through individual provincial health care insurance plans, such as OHIP (Ontario Health Care Plan). The video emphasizes that every Canadian or permanent resident has access to healthcare and essential services as an imperative and chartered right. Individuals must obtain an assigned health card, obtained through their respective province, serving as proof of their registration. </p><p><br/></p><p>I chose this video because it serves as an excellent introduction to the workings of the Canadian healthcare system, providing fundamental insights necessary for understanding how we deliver universal care.</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=_xln4IlNejY" />
         <pubDate>2024-04-02 01:56:33 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939724415</guid>
      </item>
      <item>
         <title>Video #2</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939740649</link>
         <description><![CDATA[<p>This video explores the dynamics of the Canadian healthcare insurance system and the potential benefits of integration with privatized healthcare systems. Although basic services such as x-rays and physician visits are covered by public healthcare, the wait times can be very long, and the distribution of services is dictated by the individual provinces. MRI usage, for example, varies from province to province. Some provinces allow clients to bypass the waitlist by paying for privatized services, whereas other provinces do not permit these services. </p><p><br/></p><p>The reason I chose this video is because I found it very interesting to learn that 72% of all healthcare is funded by the government of Canada. However, by integrating funding sources, a balance between private and public healthcare could result in a reduction in wait times and an increase in the quality of care.</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=i8LWvAfGTXU" />
         <pubDate>2024-04-02 02:07:57 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939740649</guid>
      </item>
      <item>
         <title>Video #3</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939754055</link>
         <description><![CDATA[<p>This video highlights some of the glaring issues with Canada's current public health care insurance policies and how sectors and their workers across the nation remain understaffed and underfunded, causing immense strain on an already struggling system. Hundreds rallied at Ottawa's Parliament Hill, advocating for public healthcare workers. Lana Payne, president of Unifor, representing 315,000 workers across Canada, speaks on the importance of reform in federal health care policies and stresses the need for immediate funding. The rally was organized by the Canadian Health Coalition and supported by NDP leader Jagmeet Singh. </p><p><br></p><p>I chose this video because it provides a firsthand account of the prevalent issues caused by insufficient government healthcare management and funding. The push for more funding will see an increase in staffing and reduction in wait times; however, many are calling for privatization given the current mismanagement of the system.</p>]]></description>
         <enclosure url="https://youtu.be/UeimHHh3tC4" />
         <pubDate>2024-04-02 02:18:05 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939754055</guid>
      </item>
      <item>
         <title>Video #4</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939784693</link>
         <description><![CDATA[<p>This video highlights the death of 23-year-old Mi-Jung Lee, caused by the apparent failings of the Canadian public health care system. This young woman is one of thousands in B.C. without a family doctor, struggling to find one to address her declining health. She was a mental health worker at a local Nanaimo shelter who fell ill over a short period of time and consulted with doctors at a walk-in site. This led to a misdiagnosis of an autoimmune disorder, with doctors telling her that she had an eating disorder. She died within months in a Vancouver hospital after visiting the Nanaimo ER twice. </p><p><br/></p><p>The reason I chose this article is that it presents a strong case that without a family physician, Canadians compromise the level of health care they receive. Given how difficult it is to register for a family physician in Canada, one can only deduce that our universal system can no longer accommodate the growing population.</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=owQgGzxxCWU" />
         <pubDate>2024-04-02 02:42:20 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939784693</guid>
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      <item>
         <title>Welcome To My Padlet! </title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939790905</link>
         <description><![CDATA[<p>In this presentation, I will be showcasing various videos and articles that highlight and contrast the interplay between public and private healthcare in Canada. We will begin by delving into the functionality, funding, and distribution of the Canadian healthcare system. Additionally, we will discuss examples of inherent issues with the current system and potential alternatives. Lastly, we will highlight current advances in our federal policies, announcements, and comparison charts outlining the benefits of integrating privatization. I hope you enjoy!</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-04-02 02:47:27 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939790905</guid>
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         <title>Reflective Questions:</title>
         <author>rafikguirguis</author>
         <link>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939799257</link>
         <description><![CDATA[<p>1. What did you learn about your topic that surprised you the most? </p><p><br/></p><p>The thing that surprised me the most about my topic was the many shortcomings of the current Canadian public health insurance system. From firsthand experience, I felt that the system was struggling, based on personal experiences with long wait times and difficulty finding a family physician. It's bittersweet, and yet validating, knowing that the general consensus among Canadians is that reform is needed. I also wasn't aware that the federal government pays for 72% of current coverage and had spent over $42 billion last year on health care alone, which seems incredible; however, it remains insufficient. I am encouraged by the CDCP, the Canadian Dental Coverage Plan, and found it fascinating to learn that it is being sponsored by Sun Life Insurance. </p><p><br/></p><p>2. Provide a real-life example of how this topic is relevant or interesting for you. </p><p><br/></p><p>As previously mentioned, the reason this topic is incredibly relevant to me is that, as a Canadian citizen, I understand all too well the struggles of attempting to obtain adequate health care in our strained system. The consequences of the policies enacted by our federal government will have a direct impact on my health and the health of my child. Furthermore, as an event planner who will be traveling to numerous international sites, it's imperative to understand what is and isn't covered by our system and to further study the various third-party offerings for travelers' health insurance.</p><p><br/></p><p>3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?</p><p><br/></p><p>I would stress the importance of securing a family doctor, given the example of the young 23-year-old woman who died in BC, highlighted in the provided video I posted. Comprehensive care, well-maintained reports, and thorough follow-up are imperatives for adequate health care and are all provided by a family physician. Walk-in clinics do not provide these services and, unfortunately, are more prone to misdiagnosing. I would also ask them to explore the possibility of either purchasing private health insurance or finding employment with companies that provide coverage. Lastly, I would remind them to take advantage of the new dental health care plan while it is being offered by the government's new insurance plan with Sun Life.</p>]]></description>
         <enclosure url="" />
         <pubDate>2024-04-02 02:54:23 UTC</pubDate>
         <guid>https://padlet.com/rafikguirguis/j5hy7sab4l6vn8jd/wish/2939799257</guid>
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