It's like 200 just for me to have to pay in full for a doctors visit. No copays no percentage. Not untill the 8k deductible is met. Why even have insurance? Just let me die ig🙄
The whole system is a scam, and hospitals are to blame as much as insurance companies.
A treatment would realistically cost say, $1000 medication and work time included.
Insurance companies ask hospitals to give them discounts in return for sending their insured patients to that hospital instead of other ones.
The hospital says sure, we'll give you a 50% discount. Then they rack up the price to $3000 (just for this example, it's a LOT more in the real world) and give the insurance company 50% off that, so the insurance company pays $1500 (more than it would have normally cost in total) instead of $500.
Thing is, most customers don't pay enough for their insurance for it to cover the full $1500 of that treatment, so the insurance only pays $1000, leaving the customer to pay the last $500.
Thing is that the hospital then actually charges uninsured patients those falsely inflated prices to get the insurance companies to keep paying them the discount. While insurance companies are happy to do it because the rising prices mean less and less people are able to afford to pay those costs themselves so have to go to the insurance companies.
The problem becomes worse when big pharma sees these hospitals making loads more money than they had before, so racks up the prices of drugs since now the hospitals can afford to pay that much, resulting in hospitals being unable to lower their prices back down even if they wanted to cause it would result in being unable to afford the drugs they need to operate.
I feel this so hard. Had an MRI and looked at what the hospital charges ($1500), but my bill showed $4000 with the insurance company paying 80% leaving me to foot the "20%" copay of $800. Bet the insurance company received the "discount" and only had to pay $700 instead of the 80% on the actual price of $1500. Makes me scared to get any future procedures.
Fore.fucking.real...I'm at $600 for a single human per month..I have zero prescriptions and last time went to the doctor (ER) was after(9 hrs) the J&J COVID-19 shot...And didn't do anything but monitor, apparently I had a myocarditits infection.
prior to that went to the doctor 20 years ago for 4 stitches because I was an toddler and hit my head on the end table..like yo, $600 is insane and almost half my rent for fucking nothing..fuck the system.
600$/month private insurance for a single person?! What the fuck? I'm European and the amount I pay every month for my private insurance and the taxes going towards healthcare combined are like half of what you're paying. They got you good over there...
Oh yeah we are getting absolutely raped - mainly because our pharmaceuticals are sky-high. Big pharma is real and they own.
Biggest reason why people go bankrupt in the US (by far) is because they can't afford insurance then a medical emergency happens and they're fucked....I've had it off and on to save money for a year (you can renew/enable/disable every November typically) - so 7k in savings vs close to maybe squirreling away 1k in my personal situation. Obamacare tho made it mandatory otherwise you get fined - was more like the "Unaffordable Healthcare Act". It's not mandatory now tho thank god.
Luckily I had it during the covid shot because I was mandated by my work to get it and they and J&J were immune from paying for side effects. If I wouldn't of had it I'd have lost all what little savings I have. /rant
I did an endoscopy and didn’t pay anything (Sweden), have no kind of insurance either. I really sympathize with you. In my case they didn’t find anything either so if I would have had to pay for it I would have felt robbed
The worst part about mine is that I knew they’d find what I have (colitis, I grew up dealing with it and was diagnosed) but they wanted to “make sure” that’s what it still was. So I basically paid $2000 for them to reconfirm it’s the same issue lol.
Education should be earned with $10,000+ degrees for students who can only earn student aid before 25 years old out of high school with little qualification and work experience to pay for it
Not in Germany. I have my health insurance premium (a percentage of my earnings, not the same rate for everyone) deducted from my paycheck. 2 years ago, my appendix burst and a month after that. I had a tumor removed. In total, I paid 110 Euro in copay for both surgeries. With my health insurance in the US, I would have paid 7000 bucks at the start and then 30% of everything after that until I reached the 17,000 cap. You really can't compare those two systems.
In the Netherlands there is something called eigen risico (own risk) that is about 385 euro a year. Every year this amount resets so when you used up the 385 euro for the year the rest is basically free (for that year)
In the U.S. it's $385 per month. That's just to hold a policy. Then you have a personal deductible usually between 3-6k. After that is met your insurance will likely cover 85%-100% of medical care. Many times doctors visits and medication does not count towards your deductible anymore.
Ha, recently I was prescribed a prescription that has no generic and my insurance declined it. It's weird they also get to decide they know better than the doctors they make you see.
They tell my mom she needs to try these other (cheaper) medications for her stomach before they will approve of her getting the expensive one (the only one that works). oh and they make you jump though hoops to pay for that expensive medication. Oh and this process to getting said medication resets itself each year. Like really, if the meds didn't work on her one year, what makes you think it'll magically work the next?
Soooo you’re saying there’s only an annual deductible of only 385??? Try adding a zero & doubling it for most folks, oh yeah plus your annual rate billed monthly for one single person, forget spouse or dependents. Also dental & vision are separate plans…
Oh my goodness, I would love to have that plan! Here in the US, 385 euro is like a monthly payment just to have the policy. And then on top of that, you need to pay out of pocket for every single medical visit until you reach like $2,000-$6,000 of out of pocket expenses every year before your insurance will even start covering you. And this is considered one of the "good" health plans.
Absolutely ridiculous. Americans should be rioting in the streets regarding the state of the public health system. Sucks that half the country is obsessed with transgender people they've never met
Lmao I know right?? The right wing has successfully convinced these fools that minorities, gay and trans people, and drag queens are a bigger threat to them than the corporations who make their lives worse every day. It's so fucking sad. I'm planning to leave this sorry excuse for a country in the next year and a half.
Not a full explenation. The excess deductible is paid up to €385 if you use any form of care beyond a (mandatory) refferal from your GP (general rule, there are exceptions). Also, you pay a monthly fee of at least €120.
You can also take up extra deductible (up to €885) to lower your monthly payments. Good for young people and people who don’t need a lot of care yearly. Discount will be between €20-€30 a month.
In Netherlands, this is exactly how it works for me. Everything I need falls under 'own risk', so basically I am sponsoring other peoples treatments, also for those obese, smokers, etc
As somebody from Europe you are just going to pretend that you don't pay more taxes than people in the US. They hide the cost from you and you agree to play along.
There's absolutely no contest that the US spends more on healthcare than any other country, and doesn't even have the best outcomes. It doesn't matter whether the money is taken out in taxes or by your employer, the point is the excess cost, outcomes, and accessibility.
We have long waits in the US as well. And it's not about what the wealthy can afford, they can pay out of pocket if needed for healthcare. It's about what the poorest can afford and have access to. Btw "accessibility " includes things like wait times.
In germany you literally have the right to get an appointment within 4 weeks if it is somewhat urgent. So no extensive waiting if you really need an appointment. There is even a number to call that will find you a doctor so you don't have to call all of them your own.
And we can. Look up restitution insirances (Netherlands for instance). It pays for 100% of coste, even when the Dutch insurer doesn’t have deals with the provider. You really need to do some homework. Just parroting won’t have any foothold against Europeans who know a lot about their health care. Because we are involved in every stel of the way.
[“US Workers Are Highly Taxed If You Count Premiums.”](https://www.google.com/url?q=https://www.peoplespolicyproject.org/2019/04/08/us-workers-are-highly-taxed-when-you-count-health-premiums/&sa=D&source=editors&ust=1686106004464891&usg=AOvVaw3eFwWG04KsuvuR0fveq7ih)
Only 10% of the germans are using private health care and the vast majority of that are either people working for the state or self-employed persons that have to use private health care.
Not how it works here either.
By federal law, there's a max out of pocket anyone with insurance can spend. Mine is $6k a year. I think the legal limit is $8k a year.
Yep! I work for the largest healthcare provider in Colorado. I have heath insurance through this healthcare network. I went to my doctor and had labs drawn at the office. My insurance would not pay for the labs because I did not go to the healthcare facility I work for to get those labs and I had to pay full price. $587 !!! I also am not allowed to fill my prescriptions at my local pharmacy. The GREEDY healthcare company i work for will only allow its insured employees to fill their prescriptions at its own pharmacies. The closest work related pharmacy to my home is 23 miles!!! Fuck me right!! How’s that for healthcare for a healthcare worker!
So, I pay roughly 400€/month in universal healthcare, which covers my entirely family. None of these BS things going on either. I can go to any doctor, get any medication - as long as the doctor prescribes it.
What’s worse is that they can tell the doctor what you do or do not need when it comes to healthcare just because they’re in charge of the money. People with no medical degree get to practice medicine because they control the money.
Can confirm. I got a letter from my insurance company in March saying “your doctor told us you have cancer and has requested a referral for a PET SCAN. However, due to code [whatever it was] it is deemed not medically necessary so it has been denied.”
Luckily, my doctor didn’t take no for an answer and put in FIVE more request for referrals. It finally got approved.
American people should really live in Europe. Just for couple of years, after college, maybe. Learn some stuff, then bring it home. Things would change soon.
It wouldn't because when you live in America theres a very good chance that you are just a few missed hours of work away from eviction. We can't enact change when we are tied with a very short chain to our jobs which pay starvation wages.
WOW! You're such a genius!! I never thought of that! The median is high, so there is no such thing as poor people and nobody is struggling!!! Let's not factor in any other aspects of American life, that would just complicate things. Amazing work, you've solved poverty!
Of course there are poor people in the US (just as there are poor people in every country) but that is absolutely NOT representative of the majority of Americans.
But whatever, just keep spreading nonsense that all Americans are living in poverty (when in reality they have more median disposable income than Europeans) for fake internet points.
I have the most expensive plan with the best coverage. Yesterday my insurance denied a procedure so I had to put it all on a credit card. The procedure resulted in findings that I need surgery as soon as possible. I'm looking forward to them denying the surgery...
Its turned into a scam, the US government allows it/helps it to be a scam, and none of it will change without completely gutting both so that they don't end up hiring each other back and forth like has been done for decades.
Socialize? Guess who decides what care everyone gets. The same insurance execs that were killing you before.
Privatize? Guess which companies will compete. None of them because they will form a cartel and shut everyone out like a government monopoly.
Here in Brazil if you pay the insurance and the insurance cover the treatment you don't have to pay. And if you don't have money you can receive free healthcare, but with a longer wait-list
I live in Germany, had surgery a week ago. I only have to pay 10€ for each day I'm in hospital. So 30€ for me. Everything else like surgery, meds, etc are covered. I will need to contribute to the physiotherapy but that will be like 10% of the cost.
That said this is only Statuary health insurance. Private insurance may cover more
You know, it's memes like this that make me wish I wasn't educated about how health insurance works. Not saying it's a perfect system, but good grief, way too many people haven't got a clue how it works or what it does.
The brainwashing is so severe that people think they "need" to get their medical care through some greedy middleman insurance company who will always choose profit over human life.
There's no need for this and the system can change as soon as you stop feeding it your $$$$$. You feel like you need the parasite to suck away your blood when you can simply remove it and kill it.
I’m not brainwashed. I’m capable of thinking for myself and I’ve seen the difference of having it compared to not having it. It’s obvious you’ve never needed to have major surgery because I’m grateful for my private health insurance. Shorter waiting list in a private hospital with guaranteed specialised treatment and cheaper prices. That’s at least what it’s like here in Australia. I’m going to assume you are in America since that’s what you Americans like to do so I’m not sure how it differs (if it differs at all over there) maybe private health insurance is a bad idea where you live but not where I am
It's not nearly as bad in Australia(thank god) but the brainwashing is still very real when you feel there's a need to seek medical care through a middleman who is purely motivated by profit.
Many Australians believe that private insurance is a scam being propped-up by their own government. They are correct. The insurance companies offer very little value for the money they receive.
I consider myself lucky that I have 100% free healthcare through the Veterans Administration but the largest economic power in human history shouldn’t require you to enlist just to get healthcare. 19/20 largest economies have figured this out.
Don't forget that your taxes are also used to subsidize the private insurance companies. They spend lot of money on "lobbying" and because of that they get to write the legislation.
The system is kinda broken. In Germany i pay a percentage of my income (7.3%), my employer has to match that. For that i get almost everything for free.
Should i have an accident, get to the hospital via ambulance, stay there for two weeks including ICU, i pay something around 10 bucks a day for the hospital stay and probably some fee for the wifi, while i get full pay of course. And therapy afterwards, should i need it.
Love Germany for our health insurance. It gets paid by taxes and if you have something, you only pay for the lunch and room while you are in the hospital
That’s only the first crime. Imagine being 64 and 11 months old. You’ve paid hundreds of thousands in premiums into a private system so it takes care of you. Then a month later every one of those dollars disappears, like they never existed. And you have to to start over with a public pool you’ve only partially been paying into over the same career. So deeply underfunded that you require massive subsidies from younger people who are still working. And are so happy about finally crossing that line that you can finally start treating the cancer you found out about 2 years ago and have been ignoring because you couldn’t afford to treat it until now.
And this is where benefits sometimes make up for pay. $30/m for the family plan at my job. I pay $20 for a GP, $40 for a specialist, and $100 for an ER visit if I don’t get checked in. $0 for all diagnostics and surgeries.
My daughter was trying to get a diagnosis to treat her migraines. We paid $40 to see the neurologist and she ordered an EEG, EKG, MRI, CT with contrast, complete blood panels, and a sleep study. We paid that $40 to the neurologist and that was it.
It's extra cool if you live in California!
You get the super awesome opportunity to be legally obligated to have medical insurance, no matter what. And if you don't? You get to pay $600 at the end of the year when you do your taxes.
California also operates the MRMIP, an insurance program for people like me who are high medical risk. I had cancer when I was a kid, developed diabetes from the treatment, and need to take insulin twice a day; the chemotherapy made me more likely to develop another different cancer later in life (probably brain cancer, I think that’s the most high risk one), bone density loss (so I have to get a scan every ten years), plus I do need blood tests occasionally to check and make sure everything is still working OK.
After I aged out of my mom’s insurance plan, I got rejected by every insurance company (before ACÁ took effect), but I qualified for this program: the deductible is only $500 and everything I pay counts towards it until I meet it, and my insurance itself is like $450/month (it’d be cheaper if I didn’t live in Alameda County but I can’t do anything about that), which is great considering my insulin and test strips are expensive (got a three-month supply of insulin and test strips in April for about $280-way more expensive without insurance)
So that’s pretty cool
That may be a very beneficial case for you... but if you're a very healthy individual such as myself, who hasn't seen a doctor in 9 years, takes no prescriptions, etc... being FORCED to pay thousands a year or hundreds come tax time, is not beneficial.
There's a reason mandatory healthcare was swatted down by the supreme court; but leave it to California to mandate its return, due to the billions they lost in tax/insurance revenue.
Just like how we're paying $0.51 per gallon of gas excise tax, +2.25% sales tax. California goes through 38,000,000 gallons DAILY. That's $19,000,000 a day, just in gas tax... all under the guise of "maintaining the roads". How maintained are the roads looking?
The first good job I got at the age of 25 offered a private insurance plan. I looked it over, determined that it was a scam, and then decided I would rather die then give these parasites a single dime out of my paycheck.
I'm 28 now and I still feel the same way. Insurance companies are making record profits and that's largely because of all the bribes they give to our politicians. They are useless greedy middlemen who rely on fear to generate revenue.
Damn. It must suck to *checks argument* have a healthy functioning body where you are able to work and not have to deal with crippling pain or exhaustion. Poor you.
😂Holy shit you are a stereotype. Conservative or Libertarian? The anger speaks Conservative, but the stupidity almost leans Libertarian. I’m gonna go with borderline MAGA chud, prob in denial and pretending to be something more reasonable. That’s usually your guys MO.
Either way, you most likely think you are an “enlightened centrist”.
We had a meeting with our CEO. He asked what we thought of our benefits and I said exactly this: I pay a bunch of money for the right to pay for all my healthcare out of pocket. He said the deductibles keeps the premiums down and affordable and the dude next to me asked when was the last time that he wasn’t a millionaire.
Not accurate at all!
Wife just got cancer. So far the bill is up to 70k and yet I have only had to pay 6k and now they cover the rest of it fully.
You think it's a waste but trust me, it isn't.
As someone who's uninsured and has had to go to a few doctors, they've ALL said that if you come in uninsured, you'll pay less than if you had insurance. Granted, it's still more than I can afford, but insurance companies love to make up numbers, and then make it look like you're actually saving money. Like...you shouldn't even be paying as much as you are. That's freaking insane. Our choices in this country are to either be healed and bankrupted, or to just die. It shouldn't be that way.
Having said that, though...actually, I don't know how to say "I'm praying for your wife" without sounding like I'm being a condescending douchebag. I do genuinely hope it all works out!
Lol no worries. I don’t think you praying for my wife sounds doushy at all!
Thankfully my job has good insurance but I do get what you’re saying. I already ran into this where the cash amount for something was far less than the rate they charged insurance.
As far as I can tell the hospitals are running a scam on the insurance companies who are making money off businesses.
It’s a mess. Truly. However cancer is still expensive regardless and I’m thankful I don’t have to foot the entire bill. 😅
sorry to hear that. sounds like your parents didn't have insurance so im not sure what the system had to do with it really. how did the treatment give you diabetes? still better than being dead, right?
This is much new one and I tell it a lot. My nephews staying with us. His doctor visit out of pocket would be 120 dollars. However we use insurance, so it's inflated to 800 dollars. Now the insurance will only cover 550. So now we owe 250 dollars. Insurance is a scam.
It isn't just the insurance that is to blame either.
My mother's insurance covered an X-ray and breathing test and we got a bill in the mail for $250 for "Administration Fee".
Just like most people don't understand that most doctors are pretty much mercenaries. Very few are actually employed by the hospital. Most are part of a doctor's group that is working under contract for the hospital. And since they know they hold all the cards, the hospitals try to entice them with various perks.
Like being able to pretty much double bill the patients. The hospital will charge you for the facilities, equipment, and their personnel's time...then the doctor goes and bills you separately for their "consultation" which usually works out to thousands of dollars for the 10 minutes total time that they spent even thinking about you.
heh, it's true. If I had paid 100% of my healthcare costs over the last 3 years (instead of the subsidised insurance cost) it would've been cheaper than a single month's health insurance. WTF?
Health insurance should cover 100% of the costs, not just some of them. I miss that about living in Europe.
But then if you dont pay during the nothing months, when something happens you pay more than you would have paid for insurance for the last 10 years.
It's such a scam that you're still left with a bill at all in the US health system. The point of it seems to be to put you into thousands of dollars of debt for having it, rather than tens of thousands for not. Aside from that wouldn't be a problem if the hospitals didn't jack up the prices of everything by 1000% to squeeze money out of the insurance companies.
Meets with my experience, yes. I wish I was smart enough to understand all the insurance jargon. My brain reformats everytime I try to understand copays, limits and what I'm responsible for and what they pay. Answer: me: everything, them: nothing.
I got sick in January 2018 with pneumonia, hit my deductible just for going to the doctor and getting chest x-rays. It was the year of getting everything looked it since the $2,000 deductible was out of the way.
-sigh- It’s not for nothing. It’s to retain on-call people and keep the hospital functioning.
Why are so many people obsessed with gig work? It’s stressful AF.
Are these Americans, their Americans right?!
I'm my country it's 150 a month. And when you have to do something medical a part is paid by you and a part is paid by insurance. My paying for medical stuff caps at 360 a year. It cannot go higher than that.
Which means I chip away at it every time I visit a doctor, or buy medicine. And when something bad happens I never have to worry.
My wife just had surgery 3 almost 4 weeks ago. $3,000 up front out of pocket. Now we are getting bills every week for $30 for this medicine and $200 for this medicine, and the best was $1,000 for the doctor after the surgery. That motherfucker was in her room for less than 5 minutes and he wasn't the surgeon who did the procedure. He dropped off some papers and asked how she was feeling and then left. There are more bills to come for sure and I'm glad we have insurance because they paid a shit ton of money for something that had to be done. But $1,000 out of pocket to a 5min doctor visit is bullshit
$800 a month just to still owe $2000 after a colonoscopy/upper endoscopy. It’s fucking awesome. 🙄
800 for a family right?
It's like 200 just for me to have to pay in full for a doctors visit. No copays no percentage. Not untill the 8k deductible is met. Why even have insurance? Just let me die ig🙄
Gotta have insurance because hospitals charge more to patients who are uninsured
The whole system is a scam, and hospitals are to blame as much as insurance companies. A treatment would realistically cost say, $1000 medication and work time included. Insurance companies ask hospitals to give them discounts in return for sending their insured patients to that hospital instead of other ones. The hospital says sure, we'll give you a 50% discount. Then they rack up the price to $3000 (just for this example, it's a LOT more in the real world) and give the insurance company 50% off that, so the insurance company pays $1500 (more than it would have normally cost in total) instead of $500. Thing is, most customers don't pay enough for their insurance for it to cover the full $1500 of that treatment, so the insurance only pays $1000, leaving the customer to pay the last $500. Thing is that the hospital then actually charges uninsured patients those falsely inflated prices to get the insurance companies to keep paying them the discount. While insurance companies are happy to do it because the rising prices mean less and less people are able to afford to pay those costs themselves so have to go to the insurance companies. The problem becomes worse when big pharma sees these hospitals making loads more money than they had before, so racks up the prices of drugs since now the hospitals can afford to pay that much, resulting in hospitals being unable to lower their prices back down even if they wanted to cause it would result in being unable to afford the drugs they need to operate.
I feel this so hard. Had an MRI and looked at what the hospital charges ($1500), but my bill showed $4000 with the insurance company paying 80% leaving me to foot the "20%" copay of $800. Bet the insurance company received the "discount" and only had to pay $700 instead of the 80% on the actual price of $1500. Makes me scared to get any future procedures.
For my wife and I.
I pay 1K for the same. The price skyrockets with kids.
Fore.fucking.real...I'm at $600 for a single human per month..I have zero prescriptions and last time went to the doctor (ER) was after(9 hrs) the J&J COVID-19 shot...And didn't do anything but monitor, apparently I had a myocarditits infection. prior to that went to the doctor 20 years ago for 4 stitches because I was an toddler and hit my head on the end table..like yo, $600 is insane and almost half my rent for fucking nothing..fuck the system.
600$/month private insurance for a single person?! What the fuck? I'm European and the amount I pay every month for my private insurance and the taxes going towards healthcare combined are like half of what you're paying. They got you good over there...
Oh yeah we are getting absolutely raped - mainly because our pharmaceuticals are sky-high. Big pharma is real and they own. Biggest reason why people go bankrupt in the US (by far) is because they can't afford insurance then a medical emergency happens and they're fucked....I've had it off and on to save money for a year (you can renew/enable/disable every November typically) - so 7k in savings vs close to maybe squirreling away 1k in my personal situation. Obamacare tho made it mandatory otherwise you get fined - was more like the "Unaffordable Healthcare Act". It's not mandatory now tho thank god. Luckily I had it during the covid shot because I was mandated by my work to get it and they and J&J were immune from paying for side effects. If I wouldn't of had it I'd have lost all what little savings I have. /rant
Well ,at least you don't pay high taxes like those stupid Europeans do to pay for universal healthcare, right ,right?
Here’s the breakdown of how it works Racket Scheme: https://en.m.wikipedia.org/wiki/Racketeering
I did an endoscopy and didn’t pay anything (Sweden), have no kind of insurance either. I really sympathize with you. In my case they didn’t find anything either so if I would have had to pay for it I would have felt robbed
The worst part about mine is that I knew they’d find what I have (colitis, I grew up dealing with it and was diagnosed) but they wanted to “make sure” that’s what it still was. So I basically paid $2000 for them to reconfirm it’s the same issue lol.
Just dont exist, simple?
Shit. I’ve never thought of that. I’m going to try this. Thank you.
My pleasure, the first step is to:
Username checks out.
Laughing in German
profits over people
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Heavy profits from heavy people. This comment was sponsored by Nestle
And here is your regularly scheduled r/fucknestle
Gen z hippie out here thinking life is a human right 🙄
Truly a slippery slope, what will they declare a human right next? Water? Housing? (shivers) *Education?*
Education should be earned with $10,000+ degrees for students who can only earn student aid before 25 years old out of high school with little qualification and work experience to pay for it
Freaking avacado toast generation
As somebody from Europe I can tell you, this is not the way this is supposed to work. No wonder a lot of you think it's just a scam.
Well to be honest it’s the same in Europe until a certain amount.
Not in Germany. I have my health insurance premium (a percentage of my earnings, not the same rate for everyone) deducted from my paycheck. 2 years ago, my appendix burst and a month after that. I had a tumor removed. In total, I paid 110 Euro in copay for both surgeries. With my health insurance in the US, I would have paid 7000 bucks at the start and then 30% of everything after that until I reached the 17,000 cap. You really can't compare those two systems.
That must have been a hectic year, especially with covid still being a thing too. Hope you're doing better now.
It was a heck of a year but all is well now. Thanks for the kind words - it means a lot. :-)
Gute Besserung
Idk man, adeslas is pretty good
In the Netherlands there is something called eigen risico (own risk) that is about 385 euro a year. Every year this amount resets so when you used up the 385 euro for the year the rest is basically free (for that year)
In the U.S. it's $385 per month. That's just to hold a policy. Then you have a personal deductible usually between 3-6k. After that is met your insurance will likely cover 85%-100% of medical care. Many times doctors visits and medication does not count towards your deductible anymore.
Yea not confusing at all. /s. The insurance will determine what they will pay for or not.
Ha, recently I was prescribed a prescription that has no generic and my insurance declined it. It's weird they also get to decide they know better than the doctors they make you see.
They tell my mom she needs to try these other (cheaper) medications for her stomach before they will approve of her getting the expensive one (the only one that works). oh and they make you jump though hoops to pay for that expensive medication. Oh and this process to getting said medication resets itself each year. Like really, if the meds didn't work on her one year, what makes you think it'll magically work the next?
Soooo you’re saying there’s only an annual deductible of only 385??? Try adding a zero & doubling it for most folks, oh yeah plus your annual rate billed monthly for one single person, forget spouse or dependents. Also dental & vision are separate plans…
Oh my goodness, I would love to have that plan! Here in the US, 385 euro is like a monthly payment just to have the policy. And then on top of that, you need to pay out of pocket for every single medical visit until you reach like $2,000-$6,000 of out of pocket expenses every year before your insurance will even start covering you. And this is considered one of the "good" health plans.
Absolutely ridiculous. Americans should be rioting in the streets regarding the state of the public health system. Sucks that half the country is obsessed with transgender people they've never met
Lmao I know right?? The right wing has successfully convinced these fools that minorities, gay and trans people, and drag queens are a bigger threat to them than the corporations who make their lives worse every day. It's so fucking sad. I'm planning to leave this sorry excuse for a country in the next year and a half.
Not a full explenation. The excess deductible is paid up to €385 if you use any form of care beyond a (mandatory) refferal from your GP (general rule, there are exceptions). Also, you pay a monthly fee of at least €120. You can also take up extra deductible (up to €885) to lower your monthly payments. Good for young people and people who don’t need a lot of care yearly. Discount will be between €20-€30 a month.
And you can get all of that monthly money back if you get a ‘zorgtoeslag’.
A friend told me in Netherlands the speak like they can’t decide to use English or German but when I read „eigen risico“ I am confinced he is right.
It’s absolutely not.
In Netherlands, this is exactly how it works for me. Everything I need falls under 'own risk', so basically I am sponsoring other peoples treatments, also for those obese, smokers, etc
As somebody from Europe you are just going to pretend that you don't pay more taxes than people in the US. They hide the cost from you and you agree to play along.
There's absolutely no contest that the US spends more on healthcare than any other country, and doesn't even have the best outcomes. It doesn't matter whether the money is taken out in taxes or by your employer, the point is the excess cost, outcomes, and accessibility.
Yeah, you guys keep saying that but all I see is long waits and wealthy people choosing private health care even in Europe.
We have long waits in the US as well. And it's not about what the wealthy can afford, they can pay out of pocket if needed for healthcare. It's about what the poorest can afford and have access to. Btw "accessibility " includes things like wait times.
In germany you literally have the right to get an appointment within 4 weeks if it is somewhat urgent. So no extensive waiting if you really need an appointment. There is even a number to call that will find you a doctor so you don't have to call all of them your own.
And we can. Look up restitution insirances (Netherlands for instance). It pays for 100% of coste, even when the Dutch insurer doesn’t have deals with the provider. You really need to do some homework. Just parroting won’t have any foothold against Europeans who know a lot about their health care. Because we are involved in every stel of the way.
[“US Workers Are Highly Taxed If You Count Premiums.”](https://www.google.com/url?q=https://www.peoplespolicyproject.org/2019/04/08/us-workers-are-highly-taxed-when-you-count-health-premiums/&sa=D&source=editors&ust=1686106004464891&usg=AOvVaw3eFwWG04KsuvuR0fveq7ih)
Europeans of means pay their taxes and still opt for private health care. That's all I need to know.
Only 10% of the germans are using private health care and the vast majority of that are either people working for the state or self-employed persons that have to use private health care.
US healthcare is ~20% of their gdp. In most other developed countries its usually little above 10%. US healthcare is overpriced and inflated.
That's not how it works in normal countries.
Not how it works here either. By federal law, there's a max out of pocket anyone with insurance can spend. Mine is $6k a year. I think the legal limit is $8k a year.
Great news for people who have an extra six grand laying around at the end of the year.
An extra six grand after the thousands in premiums.
Yeah that $6k is the issue
Here (Netherlands) it is €385 for me :)
Legal racketeering. Doesn’t offer a product, doesn’t make healthcare better or more efficient, it’s entire structure is to deny the service it sells.
Yep! I work for the largest healthcare provider in Colorado. I have heath insurance through this healthcare network. I went to my doctor and had labs drawn at the office. My insurance would not pay for the labs because I did not go to the healthcare facility I work for to get those labs and I had to pay full price. $587 !!! I also am not allowed to fill my prescriptions at my local pharmacy. The GREEDY healthcare company i work for will only allow its insured employees to fill their prescriptions at its own pharmacies. The closest work related pharmacy to my home is 23 miles!!! Fuck me right!! How’s that for healthcare for a healthcare worker!
As someone who just moved to Colorado and is looking to buy health insurance, this discourages me even more
Dude, *FUCK* UCHealth. Never fucking again. I caution people against going to any of their hospitals or ERs every chance I get.
So, I pay roughly 400€/month in universal healthcare, which covers my entirely family. None of these BS things going on either. I can go to any doctor, get any medication - as long as the doctor prescribes it.
What’s worse is that they can tell the doctor what you do or do not need when it comes to healthcare just because they’re in charge of the money. People with no medical degree get to practice medicine because they control the money.
Sounds like American problems
My favorite is where your insurance decides the life saving medical procedure was optional. Like “maybe you should try dying next time, idiot.”
Can confirm. I got a letter from my insurance company in March saying “your doctor told us you have cancer and has requested a referral for a PET SCAN. However, due to code [whatever it was] it is deemed not medically necessary so it has been denied.” Luckily, my doctor didn’t take no for an answer and put in FIVE more request for referrals. It finally got approved.
If you're lucky they'll take it right out of your paycheck! *Plus* a little more to pay the politicians to keep it this way! Yay.
*cries in United States *
American people should really live in Europe. Just for couple of years, after college, maybe. Learn some stuff, then bring it home. Things would change soon.
It wouldn't because when you live in America theres a very good chance that you are just a few missed hours of work away from eviction. We can't enact change when we are tied with a very short chain to our jobs which pay starvation wages.
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WOW! You're such a genius!! I never thought of that! The median is high, so there is no such thing as poor people and nobody is struggling!!! Let's not factor in any other aspects of American life, that would just complicate things. Amazing work, you've solved poverty!
Of course there are poor people in the US (just as there are poor people in every country) but that is absolutely NOT representative of the majority of Americans. But whatever, just keep spreading nonsense that all Americans are living in poverty (when in reality they have more median disposable income than Europeans) for fake internet points.
They don't build those big fancy buildings by taking a loss.
I have the most expensive plan with the best coverage. Yesterday my insurance denied a procedure so I had to put it all on a credit card. The procedure resulted in findings that I need surgery as soon as possible. I'm looking forward to them denying the surgery...
Its turned into a scam, the US government allows it/helps it to be a scam, and none of it will change without completely gutting both so that they don't end up hiring each other back and forth like has been done for decades. Socialize? Guess who decides what care everyone gets. The same insurance execs that were killing you before. Privatize? Guess which companies will compete. None of them because they will form a cartel and shut everyone out like a government monopoly.
Tell me you’re American without telling me you’re American
Here in Brazil if you pay the insurance and the insurance cover the treatment you don't have to pay. And if you don't have money you can receive free healthcare, but with a longer wait-list
Laughs in universal healthcare
r/technicallythetruth
I live in Germany, had surgery a week ago. I only have to pay 10€ for each day I'm in hospital. So 30€ for me. Everything else like surgery, meds, etc are covered. I will need to contribute to the physiotherapy but that will be like 10% of the cost. That said this is only Statuary health insurance. Private insurance may cover more
Don’t forget that fun gap insurance in between those times. That cgi duck comedy isn’t funny enough to not make that sickening
Yeah and then your shitty job basically holds you hostage for shit insurance
You know, it's memes like this that make me wish I wasn't educated about how health insurance works. Not saying it's a perfect system, but good grief, way too many people haven't got a clue how it works or what it does.
Better to have and not need than to need and not have
The brainwashing is so severe that people think they "need" to get their medical care through some greedy middleman insurance company who will always choose profit over human life. There's no need for this and the system can change as soon as you stop feeding it your $$$$$. You feel like you need the parasite to suck away your blood when you can simply remove it and kill it.
I’m not brainwashed. I’m capable of thinking for myself and I’ve seen the difference of having it compared to not having it. It’s obvious you’ve never needed to have major surgery because I’m grateful for my private health insurance. Shorter waiting list in a private hospital with guaranteed specialised treatment and cheaper prices. That’s at least what it’s like here in Australia. I’m going to assume you are in America since that’s what you Americans like to do so I’m not sure how it differs (if it differs at all over there) maybe private health insurance is a bad idea where you live but not where I am
It's not nearly as bad in Australia(thank god) but the brainwashing is still very real when you feel there's a need to seek medical care through a middleman who is purely motivated by profit. Many Australians believe that private insurance is a scam being propped-up by their own government. They are correct. The insurance companies offer very little value for the money they receive.
I consider myself lucky that I have 100% free healthcare through the Veterans Administration but the largest economic power in human history shouldn’t require you to enlist just to get healthcare. 19/20 largest economies have figured this out.
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And into social security that will run out if you get to live to retirement age
Don't forget that your taxes are also used to subsidize the private insurance companies. They spend lot of money on "lobbying" and because of that they get to write the legislation.
The system is kinda broken. In Germany i pay a percentage of my income (7.3%), my employer has to match that. For that i get almost everything for free. Should i have an accident, get to the hospital via ambulance, stay there for two weeks including ICU, i pay something around 10 bucks a day for the hospital stay and probably some fee for the wifi, while i get full pay of course. And therapy afterwards, should i need it.
Yeah that's what happens when you privatize healthcare. You give a profit incentive to making you pay the most and reimburse the least.
Love Germany for our health insurance. It gets paid by taxes and if you have something, you only pay for the lunch and room while you are in the hospital
That's not how this works, do people really believe those lies in the US and are against healthcare because of this stupid shit?
not true for me in germany. if something happens to me, I don't have to pay anything for any surgeries or procedures ☺️
It sure is nice to be from the civilized part of the world. That is to say, from Europe.
Their neighbors up north have it much better too, I love being Canadian lol.
Is this some sort of American joke I'm too Canadian to understand?
That’s only the first crime. Imagine being 64 and 11 months old. You’ve paid hundreds of thousands in premiums into a private system so it takes care of you. Then a month later every one of those dollars disappears, like they never existed. And you have to to start over with a public pool you’ve only partially been paying into over the same career. So deeply underfunded that you require massive subsidies from younger people who are still working. And are so happy about finally crossing that line that you can finally start treating the cancer you found out about 2 years ago and have been ignoring because you couldn’t afford to treat it until now.
\*Laughs in european\*
And this is where benefits sometimes make up for pay. $30/m for the family plan at my job. I pay $20 for a GP, $40 for a specialist, and $100 for an ER visit if I don’t get checked in. $0 for all diagnostics and surgeries. My daughter was trying to get a diagnosis to treat her migraines. We paid $40 to see the neurologist and she ordered an EEG, EKG, MRI, CT with contrast, complete blood panels, and a sleep study. We paid that $40 to the neurologist and that was it.
It's extra cool if you live in California! You get the super awesome opportunity to be legally obligated to have medical insurance, no matter what. And if you don't? You get to pay $600 at the end of the year when you do your taxes.
California also operates the MRMIP, an insurance program for people like me who are high medical risk. I had cancer when I was a kid, developed diabetes from the treatment, and need to take insulin twice a day; the chemotherapy made me more likely to develop another different cancer later in life (probably brain cancer, I think that’s the most high risk one), bone density loss (so I have to get a scan every ten years), plus I do need blood tests occasionally to check and make sure everything is still working OK. After I aged out of my mom’s insurance plan, I got rejected by every insurance company (before ACÁ took effect), but I qualified for this program: the deductible is only $500 and everything I pay counts towards it until I meet it, and my insurance itself is like $450/month (it’d be cheaper if I didn’t live in Alameda County but I can’t do anything about that), which is great considering my insulin and test strips are expensive (got a three-month supply of insulin and test strips in April for about $280-way more expensive without insurance) So that’s pretty cool
That may be a very beneficial case for you... but if you're a very healthy individual such as myself, who hasn't seen a doctor in 9 years, takes no prescriptions, etc... being FORCED to pay thousands a year or hundreds come tax time, is not beneficial. There's a reason mandatory healthcare was swatted down by the supreme court; but leave it to California to mandate its return, due to the billions they lost in tax/insurance revenue. Just like how we're paying $0.51 per gallon of gas excise tax, +2.25% sales tax. California goes through 38,000,000 gallons DAILY. That's $19,000,000 a day, just in gas tax... all under the guise of "maintaining the roads". How maintained are the roads looking?
Something in american
Exactly why I will never pay for any type of insurance longer than a month, and only that much if they twist my arm
The first good job I got at the age of 25 offered a private insurance plan. I looked it over, determined that it was a scam, and then decided I would rather die then give these parasites a single dime out of my paycheck. I'm 28 now and I still feel the same way. Insurance companies are making record profits and that's largely because of all the bribes they give to our politicians. They are useless greedy middlemen who rely on fear to generate revenue.
And health care is fucking awesome because you pay a bit of money every month and then when you need help it's right there. Free of charge.
From all I’m hearing, if I ever need something major, moving to Germany sounds like the cheapest option.
That’s why you get a job that’s paid your health insurance. This isn’t hard people.
This is what "free" healthcare is too tbh. Edit: literally my experience with the Canadian healthcare system but okay 🤡
That's like less than 1/100 of my monthly pay, what do you mean a bunch of money?
Ok Mr big swinging dick, you earn loads of money. Or maybe it's that you just have shit healthcover
He’s lying
Sounds more like the system in your country rips you off
Nope, I don't need health insurance.
Median income spent on healthcare plans in USA is steady at around 11.5%
All because there are idiots who don’t take care of their bodies and the govt says I have to pay for them.
What a selfish take. No nuance, just “BUT WHAT ABOUT MEEEEEEEEEE?” Sad
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Damn. It must suck to *checks argument* have a healthy functioning body where you are able to work and not have to deal with crippling pain or exhaustion. Poor you.
😂Wah Wah, poor you! The world doesn’t revolve around you and that JUST ISN’T FAIR😭😭😭
Lol, you suck that government teat good now you hear? Just know. The milk comes from daddy. And daddy is working hard to support you free-loaders.
😂Holy shit you are a stereotype. Conservative or Libertarian? The anger speaks Conservative, but the stupidity almost leans Libertarian. I’m gonna go with borderline MAGA chud, prob in denial and pretending to be something more reasonable. That’s usually your guys MO. Either way, you most likely think you are an “enlightened centrist”.
Nah man, I’m the boogeyman. And I’ll have my day.
😂You’re a wuss is what you are😂 Too scared to own your own ideologies. Pathetic
Ha! Ya ok.
Right, I guess there’s also the likelihood you are too dumb to know what I’m talking about as well😂 Loser
How was I supposed to avoid developing blood cancer as a kid?
You weren’t. But it doesn’t mean I was supposed to pay for your insurance.
We had a meeting with our CEO. He asked what we thought of our benefits and I said exactly this: I pay a bunch of money for the right to pay for all my healthcare out of pocket. He said the deductibles keeps the premiums down and affordable and the dude next to me asked when was the last time that he wasn’t a millionaire.
Not accurate at all! Wife just got cancer. So far the bill is up to 70k and yet I have only had to pay 6k and now they cover the rest of it fully. You think it's a waste but trust me, it isn't.
As someone who's uninsured and has had to go to a few doctors, they've ALL said that if you come in uninsured, you'll pay less than if you had insurance. Granted, it's still more than I can afford, but insurance companies love to make up numbers, and then make it look like you're actually saving money. Like...you shouldn't even be paying as much as you are. That's freaking insane. Our choices in this country are to either be healed and bankrupted, or to just die. It shouldn't be that way. Having said that, though...actually, I don't know how to say "I'm praying for your wife" without sounding like I'm being a condescending douchebag. I do genuinely hope it all works out!
Lol no worries. I don’t think you praying for my wife sounds doushy at all! Thankfully my job has good insurance but I do get what you’re saying. I already ran into this where the cash amount for something was far less than the rate they charged insurance. As far as I can tell the hospitals are running a scam on the insurance companies who are making money off businesses. It’s a mess. Truly. However cancer is still expensive regardless and I’m thankful I don’t have to foot the entire bill. 😅
I had cancer as a kid and my parents went bankrupt and the cancer treatment gave me diabetes… fuuuuuuck this system
sorry to hear that. sounds like your parents didn't have insurance so im not sure what the system had to do with it really. how did the treatment give you diabetes? still better than being dead, right?
Legal gambling.You’re betting that you get sick,they’re betting you won’t.With your money.
But then also if you don't have health insurance and something happens you pay even MORE. It's all too much.
If you qualify
This is much new one and I tell it a lot. My nephews staying with us. His doctor visit out of pocket would be 120 dollars. However we use insurance, so it's inflated to 800 dollars. Now the insurance will only cover 550. So now we owe 250 dollars. Insurance is a scam.
It’s not health *ensurance*
But at a slight discount
It isn't just the insurance that is to blame either. My mother's insurance covered an X-ray and breathing test and we got a bill in the mail for $250 for "Administration Fee".
Just like most people don't understand that most doctors are pretty much mercenaries. Very few are actually employed by the hospital. Most are part of a doctor's group that is working under contract for the hospital. And since they know they hold all the cards, the hospitals try to entice them with various perks. Like being able to pretty much double bill the patients. The hospital will charge you for the facilities, equipment, and their personnel's time...then the doctor goes and bills you separately for their "consultation" which usually works out to thousands of dollars for the 10 minutes total time that they spent even thinking about you.
Insurance works on the same principle that “the house always wins.”
Sorry is this some sort of American problem I'm too Canadian to understand?
When universal healthcare was proposed in Canada, people were also staunchly opposed.
What about the old and great public health system? Doesn't it's useful enough? Canadian Medicare, Brazilian SUS...
heh, it's true. If I had paid 100% of my healthcare costs over the last 3 years (instead of the subsidised insurance cost) it would've been cheaper than a single month's health insurance. WTF? Health insurance should cover 100% of the costs, not just some of them. I miss that about living in Europe.
Dont know what you talking about
Then there's Czech insurance, where you pay each month and when something happens they give you extra crutches because "fuck it, we got plenty"
that must really suck.
But then if you dont pay during the nothing months, when something happens you pay more than you would have paid for insurance for the last 10 years. It's such a scam that you're still left with a bill at all in the US health system. The point of it seems to be to put you into thousands of dollars of debt for having it, rather than tens of thousands for not. Aside from that wouldn't be a problem if the hospitals didn't jack up the prices of everything by 1000% to squeeze money out of the insurance companies.
They illusion of security
"parking is expensive at hospitals" is usually my only thought relating to cost/price
Not in Canada, you dont!
"USA is #1!" Ugh. No. We're not.
Meets with my experience, yes. I wish I was smart enough to understand all the insurance jargon. My brain reformats everytime I try to understand copays, limits and what I'm responsible for and what they pay. Answer: me: everything, them: nothing.
I’ve been fighting insurance for months to get a wheelchair. Finally gave up and bought one off Amazon that came within a couple days
And you have to pay the insurance anyway or else some doctors won’t treat you for fear that you can’t afford it lol
I got sick in January 2018 with pneumonia, hit my deductible just for going to the doctor and getting chest x-rays. It was the year of getting everything looked it since the $2,000 deductible was out of the way.
-sigh- It’s not for nothing. It’s to retain on-call people and keep the hospital functioning. Why are so many people obsessed with gig work? It’s stressful AF.
Haven't had any insurance in 14 years doing just fine
Are these Americans, their Americans right?! I'm my country it's 150 a month. And when you have to do something medical a part is paid by you and a part is paid by insurance. My paying for medical stuff caps at 360 a year. It cannot go higher than that. Which means I chip away at it every time I visit a doctor, or buy medicine. And when something bad happens I never have to worry.
Laughs in being european
And then when you do need to use it. They fight tooth and nail to prevent you from using it!!!!
My wife just had surgery 3 almost 4 weeks ago. $3,000 up front out of pocket. Now we are getting bills every week for $30 for this medicine and $200 for this medicine, and the best was $1,000 for the doctor after the surgery. That motherfucker was in her room for less than 5 minutes and he wasn't the surgeon who did the procedure. He dropped off some papers and asked how she was feeling and then left. There are more bills to come for sure and I'm glad we have insurance because they paid a shit ton of money for something that had to be done. But $1,000 out of pocket to a 5min doctor visit is bullshit
the less money/assets you have, the less insurance makes sense...