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Here in Germany we pay highest healthcare insurance costs in the world. If you earn more than 55000 Euro/year, you have to pay 9600 Euro/year for health insuran

Here in Germany we pay highest healthcare insurance costs in the world. If you earn more than 55000 Euro/year, you have to pay 9600 Euro/year for health insurance alone! And you cannot opt out! Together with your spouse you have to pay insane 19200 Euro annually! No wonder it is between 10 and 15 Euro for a finger. In USA if you pay $20000 you will be fully ensured and you will not need to pay anything for your finger check.

Gibbon1 7y ago
> In USA if you pay $20000 you will be fully ensured and you will not need to pay anything for your finger check. Oh my sweet summer child.
germanier 7y ago
> If you earn more than 55000 Euro/year, you have to pay 9600 Euro/year for health insurance alone! Half of which is paid by your employer. If you earn less, you pay less and still get access to the same health care. > Together with your spouse you have to pay insane 19200 Euro annually! Only if they also earn as much. If they don't work, your don't pay anything to insure them. > And you cannot opt out! Employees earning more than 60k and freelancers can opt out of the system. > No wonder it is between 10 and 15 Euro for a finger. With insurance you don't pay anything for getting your finger checked. That was the price without insurance (full bill including consultation would be probably 50€ or so).
- novaRom 7y ago
  > Half of which is paid by your employer Wrong. Your employer covers only 50% of base KV part and excludes PV and other extras. Take 14.6% from 55000 and divide it by 2 to see what your employer covers.
username90 7y ago
Sounds strange, total healthcare spendings in Germany looks like a typical developed country and are much cheaper than USA's: https://data.worldbank.org/indicator/SH.XPD.CHEX.GD.ZS?locations=US-DE-CH-CA-SE-JP https://data.worldbank.org/indicator/SH.XPD.CHEX.GD.ZS?locat...
namibj 7y ago
Oh, sorry, the price is the GOÄ (Gebührenordnung für Ärtzte) price the X-Ray place can bill you/your insurance. This includes the X-Ray consultation. You are send there by your GP if the GP determines you need it checked like that. They write it down, give you a form, and the specialist uses it to bill the insurance (as they don't pay if you just show up at the X-Ray place directly). Also a full hand, including the palm, is less than 10€ more I think. It's really not that expensive (a Finger was the cheapest I remember finding).

Gibbon1 7y ago

> In USA if you pay $20000 you will be fully ensured and you will not need to pay anything for your finger check. Oh my sweet summer child.

germanier 7y ago

> If you earn more than 55000 Euro/year, you have to pay 9600 Euro/year for health insurance alone! Half of which is paid by your employer. If you earn less, you pay less and still get access to the same health care. > Together with your spouse you have to pay insane 19200 Euro annually! Only if they also earn as much. If they don't work, your don't pay anything to insure them. > And you cannot opt out! Employees earning more than 60k and freelancers can opt out of the system. > No wonder it is between 10 and 15 Euro for a finger. With insurance you don't pay anything for getting your finger checked. That was the price without insurance (full bill including consultation would be probably 50€ or so).

novaRom 7y ago
> Half of which is paid by your employer Wrong. Your employer covers only 50% of base KV part and excludes PV and other extras. Take 14.6% from 55000 and divide it by 2 to see what your employer covers.

username90 7y ago

Sounds strange, total healthcare spendings in Germany looks like a typical developed country and are much cheaper than USA's: https://data.worldbank.org/indicator/SH.XPD.CHEX.GD.ZS?locations=US-DE-CH-CA-SE-JP https://data.worldbank.org/indicator/SH.XPD.CHEX.GD.ZS?locat...

namibj 7y ago

Oh, sorry, the price is the GOÄ (Gebührenordnung für Ärtzte) price the X-Ray place can bill you/your insurance. This includes the X-Ray consultation. You are send there by your GP if the GP determines you need it checked like that. They write it down, give you a form, and the specialist uses it to bill the insurance (as they don't pay if you just show up at the X-Ray place directly). Also a full hand, including the palm, is less than 10€ more I think. It's really not that expensive (a Finger was the cheapest I remember finding).