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That is more or less what my US based health insurance plan is like, if a bit more expensive ($1200/month for me and my wife, $1500 if adding 1 child). No dedu
by dmd149 7y ago
That is more or less what my US based health insurance plan is like, if a bit more expensive ($1200/month for me and my wife, $1500 if adding 1 child).
No deductible for in-network care, usually just some small copays of $20.
Is this supplemental insurance to national healthcare or the standard cost based on your income?
- lsinger 7y agoThe latter, it’s based on a percentage of your (taxable, I think) income, capped at what I’m paying (percentage-wise I’d be paying more if it wasn’t capped). FWIW, there’s no notion of “in-network” or “out-network” here.
- dmd149 7y agoInteresting. Do you know what your effective tax rate is, inclusive of your health insurance taxes?
- lsinger 7y agoI’m a freelancer, so this might not be a generalizable answer, but for every Euro I make, I pay about 0.3 Euros in taxes and health insurance.
- pintxo 7y agoYou may want to play around with this calculator (German only, sorry, google translate likely to the rescue): https://www.brutto-netto-rechner.info/ https://www.brutto-netto-rechner.info/
- Swizec 7y agoThe in/out network thing is a huge problem. My girlfriend went for a checkup with her primary care physician. Obviously in network. 2 months later she gets a bill for $500. Sorry your doc was not in network for that particular question. Insurance covers $0