OPT FOR GOVT HOSPITALS TO AVOID HEFTY MEDICAL CHARGES

"Government hospitals? Nah, I would avoid them like the plague. The service is terrible, the food is worse, and let's not even mention the doctors."

That may have been the case at one time. But I have been hearing plenty of good things about our government hospitals from my friends who had their operation done there. They were happy with the standard of nursing care, and above all, the low medical charges. They didn't have to break the bank to pay for their surgery and hospitalization.

Ward charges at government hospitals (from Hospital Kuala Lumpur website)

Ward charges per day at the private hospital in PJ where my mom stayed.

My mother spent ten days in a private hospital after her hip surgery last year. This was followed by three months of twice-weekly physiotherapy session at the same hospital. The total bill came close to an eye-bulging RM60,000. That's not including her expensive prescription drugs.

A friend later told me that her mother underwent a similar operation at a government hospital, and recovered quite well. It had cost less than RM10,000 in all. Ouch! It hurt to hear that.

If money is not an issue, of course we want to provide the best care for our elderly parents. But if that means digging a deep hole in our retirement savings, or worse, getting into debt, we might want to consider a much cheaper alternative - the government hospital. The service is just as good, if not better than in the pricey private hospitals.

That is exactly what CEO of AKPK, Ms Koid Swee Lian,  (Credit Counselling and Debt Management Agency) advises. "While the government service may be a bit slow simply because there are many patients, you can actually save quite a lot of money there."

According to her, "in the Chinese community friends and relatives will say you are heartless if you don't send your parent to the best hospital. But what if you can't afford it?"

Many people use their credit card to pay a deposit first when they get their parent admitted to a private hospital in an emergency. They have no idea about the medical expenses till the bills are presented to them. That's how they get into debt. About 26 per cent of people who seek help from AKPK do so because they have defaulted on loan repayment for high medical expenses, says Ms Koid.

Sungai Buloh Hospital

Private hospital or government hospital? For many retirees from the middle income group, the answer is obvious. Or is it? There are still many who remain skeptical about the quality of medical services and health care offered at government hospitals. Having had the experience of staying in both private and government hospitals, I say go for the latter. Government hospitals should be our preferred choice when we are living on limited financial resources.

Our healthcare system is among the best in the world. It is heavily subsidized by the government (taxpayers money), so hospital charges and medicine can be kept low, even free. In case you are not aware, anyone who has contracted an infectious disease such as malaria, can be treated at the Sungai Buloh hospital absolutely FREE.

Let's have more faith in our public hospitals and healthcare system.

Note the caption on the bus. 

WHY DO OLD PEOPLE LOVE TO COMPLAIN?

Old people love to complain. They are never satisfied with anything. True or false?

The answer is probably True. But they do have valid reasons for their grouses.
Let's put ourselves in the shoes of an 80-year old man. He has limited funds so he complains about soaring prices. He recalls the old days when a cup of kopitiam coffee cost only 40 cents. Now it's RM1.60 at the mamak stall.

There was a time when he could travel and enjoy an active social life. These days he is mostly at home, unable to venture out alone because he no longer drives and there's no one free to take him out. His perennially-busy adult children have little time for him.

Once upon a time he lived to eat. Now he eats to live. His diet is restricted to low-fat, reduced-sugar and cholesterol-free foods. No more favorite hawker food for him, no more culinary indulgences, all because he has a host of health problems.

His old hobbies no longer interest him. He can't read because of poor vision. He has little interest in watching tv as the programs don't appeal to him. He can't enter the exciting world of the internet as he is computer-illiterate, and refuses to learn.

As a young man, he was blessed with good health and vitality. Now the passage of time has reduced him to a frail shadow of his former self, with all the accompanying aches and pain of old age.

Few friends drop by to see him, as they are in the same boat as he is. So he sits in his arm-chair or lies in bed the whole day long with only his memories to keep him company.

It is no wonder old people are bitter and grouchy. They have all the time in the world to gripe about everything under the sun, from high prices to corrupt politicians.

What a horrible way to grow old! We can't stop growing old, but we can certainly choose how we want to grow old. It's all about attitude.

We can choose to grow old complaining about things from A to Z. Or we can choose to focus our attention on the things that make us happy, like our grandchildren, like being able to look back at happy times with fondness, and not compare them with the present.

There is little point in harping on things that can't be changed. We should learn to accept whatever unfortunate circumstances we are dealt with and make the best of the situation. Let's make our lives worth living.