I’m going to tell just this one story about my experience as an American expat with the health care system here in Germany.
One night a few months ago I had sharp stomach pains that got worse and worse and kept me from sleeping. This had never happened before, and it was a little scary.
At 3am, after hemming and hawing, I finally gave in and took a taxi to the emergency room at one of the hospitals here in Munich.
At first I thought the place was closed, because there was just a receptionist on duty behind plexiglas. No one rushing around, and it was a bit dark. She was reading a novel.
I told her about my stomach, and she buzzed me into a room with three hospital beds and some nurses and doctors. An old woman was lying on the far bed near the window, her husband seated in the chair next to her. A nurse told me to take the bed nearest the door. The middle bed was empty. There were no other patients.
Two nurses hooked me up to an EKG immediately. One brought the printout to a doctor while the other took my blood. These are the admittance exams they give everyone who comes to the emergency room — it’s automatic.
Somewhere in the middle of this experience, I realized that I’d shown up at an emergency room in the middle of the night, and I’d been seen immediately.
I hadn’t been asked to sit in a waiting room for 8 hours like the time I had a concussion in Boston.
A few hours later, after my abdominal ultrasound was clear, I poked around the hallway near the main entrance just to confirm what I’d been wondering about.
There was no waiting room.
There were a few chairs in the hallway — six or eight, all empty — but nothing like the hospital waiting rooms I knew from the US.
How was this possible?
A week later the bill for my ER visit arrived. I have no German health insurance so I pay all my health care costs out of pocket. In theory I can send these to my US insurer to get reimbursed but so far that hasn’t worked out very well.
I opened the envelope nervously, and there it was in black and white: 264 euros. The total cost of the best emergency room visit I’ve experienced in my life.
Health care in Germany is not a single-payer model. There’s a public insurance option which is more affordable for families and a private insurance option which offers better care. Some doctors only accept the private insurance because they make more money from it. Poor people get government subsidies to cover their health insurance and preventative care.
The result is that everyone has health coverage, and my uneducated guess is that this is why there was no waiting room at the hospital I visited. In the US the ER is a service provider of last resort for people who have no other option for routine care. And a lot of routine and preventative care is delayed until the issue becomes acute, triggering even more ER visits.
So another system is possible. And the people debating the health care system in the US who have never experienced another system don’t have the whole picture.
(By the way, the routine blood test they did during my admission picked up a previously undiagnosed Thyroid condition called Hashimoto’s Thyroiditis, which I am treating with a daily pill.)

