Jackie moved to Spain to work for a public relations firm. She had health insurance from her previous employer, but she was surprised to learn that her new employer in Spain did not offer healthcare coverage.

LIVING IN SPAIN Jackie moved to Spain to work for a public relations firm. She had health insurance from her previous employer, but she was surprised to learn that her new employer in Spain did not offer healthcare coverage. When she asked about this, she was told that more than 90 percent of Spaniards use the public healthcare system, which was mostly free. However, her new employer did provide supplementary private health insurance that would allow her to receive quicker care from a private hospital if she desired. Jackie learned that she would be paying 4.7 percent of her salary and her employer would pay 23.6 percent of her salary to the government for health insurance. She was given a Tarjeta Sanitaria Individual health card to prove that she had health insurance. With this, she could get free care at public hospitals and doctors’ offices. However, before seeing a doctor, she would need to register with a local primary care physician and decide whether she would use public or private payment. If she needed to see a specialist, she would need to get a referral from her primary care physician. Jackie was excited to be living in Spain and hoped she would not need to use the healthcare system, but she was glad that she understood it better. Discussion Questions 1. What other questions could Jackie ask about the Spanish healthcare system? 2. What advantage does Jackie gain by having supplemental private health insurance? 3. Would you use the private or public service? Why?

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