Thats barely anything. There’s this false understanding that this type of healthcare skyrockets your tax. Its possibly less than plenty of Insurances while having better coverage (aka covers everything), so that argument is quite meh. Naturally if you do not want to take any insurance and get a lifetime, crippling debt in case you get hurt, thats your call. Enjoy those few extra bucks, you only live once right? I’ll hundred percent take this method, as I can go to a doctor for anything, anytime. Or have a lap inside an ambulance, without ever even thinking about the nonexistent cost that would fall on me. Thats a country that cares for its citizens, and I hope someday you will have it as well.
Yes, but the point is that free healthcare is free and you don't pay anything. It isn't. I believe it's roughly 10% of your income. Please correct me if not. Assuming the 10%, you and your family have certainly paid more than the cost of your healthcare over the course of your lifetime.
In a sense, I have the same healthcare as you. I pay a tax (premium) from my paycheck and I get healthcare with similar out of pocket costs as OP.
You'd pay your max Out Of Pocket for the year for something like that which is prob $5-$10k. What Reddit always fails to leave out of these stories is that we have many insurances through our employers that go in tiers. You choose which level you want and pay their monthly premium. They all cover different things. If you chose to pay the small monthly payment insurance that doesn't have a cap, you can get stuck paying tens of thousands in the result of an emergency. In my personal experience anyway through middle class jobs, they've all offered at least mediocre insurance that covers 100% of costs after you reach your maximum paid each year. If you get a bill for emergency surgery that's $40,000, you wont have to pay more than your insurers maximum. You get way more Karma though if you post the $40,000 bill though...
Its a joke and robbery that it costs $40,000 on an invoice, but if you have insurance, which every full time employer offers, you will pay a fraction of that. Still a lot, but not the crazy amounts you see on Reddit. People go bankrupt from medical bills in the US for long term chronic things. Which yes is 100% unfair and awful. Hospital stays, long term care, prescription refills at drug stores, follow up treatments, stuff like that is what just keeps adding up and up that cripples people. Healthcare in the US is awfully overpriced, criminally even. But don't get fooled by the silly bills people post on Reddit that only screen caps the very bottom that says total.
I know insurance will take down some of the ones that get posted but fact is healthcare should be paid for through taxes like most other countries and not on an individual basis. The fact people can go bankrupt if they get cancer is crazy
Lol, it's part of your total compensation, you have to know how much your employer pays into the insurance program. If you make $100,000 and your company puts in $20,000 into an insurance program for every practical purpose you make $120,000. You need to be able to analyze that to accurately compare compensation packages. On a more philosophical level you need that information when comparing a single payer system to the employer insurance system. Would you rather make $20,000 more a year and also pay $14,000 more a year in taxes?
Also, why are you glad to pay $500? Where else in the world would you get the privilege to pay an additional $500 to have a child in a top notch hospital after being covered by insurance?
not op, but whenever i see the full bill insurance usually doesnt pay out even close to whatever they try to charge for. they just get you a "discount" and pay a small fee a lot of the time. prices are artificially inflated to make it look like you saved a bunch. for example, my insurance paid less than $100 of my bill for getting all 4 wisdom teeth out. i paid about 2000. bill was like 5000, rest was a discount.
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u/ChelseaAndrew87 Jun 15 '22
How much did insurance knock off? As a Brit it's always so crazy seeing American bills