6 ms·

But healthcare is just as long as you work for that FAANG. Once you are out, you are on your own. Not so in Germany.

by flexie 4y ago

junofan 4y ago
I quit a FAANG job, purchased insurance, and it was pretty easy—just a couple clicks. Are you saying the government auto-enrolls you in Germany?
- ascar 4y ago
  > Are you saying the government auto-enrolls you in Germany? Kinda. Healthcare is not provided by your employers, but by health care insurances. It is generally mandatory to be insured. The system is split in universal healthcare (payed as a percentage of your salary) and private healthcare (payed from your bank account). Anyone self-employed and earning above a certain threshold can opt to leave the government system and buy private healthcare (gives somewhat better treatment, most notably faster appointments at specialists, as they earn 3-5 times on a privately insured patient). When you leave an employer you remain in the system you were in before. If you were privately insured and end up on social security you will be moved to the government system and they will cover healthcare costs for you. The issue is with "purchasing" insurance. a) you need money, b) what does the health insurance say when you wanna get insurance while having acute expensive health issues? Getting insurance when you are healthy and have money is easy.
  - tehlike 4y ago
    Do you get healthcare when you are not making any money?
    - ascar 4y ago
      I'm not sure which situation you are asking about, but generally if you are not earning money and can't afford health care, you should qualify for social security and that covers healthcare, rent, basic needs. In general it's mandatory to have health insurance and changes in employment status don't affect your insurance status. Though it's possible to end up uninsured when you are unable/unwilling to pay, but also do not apply for social security payments (however I believe that's more an active choice than a real risk). As a student for example it's mandatory to get insurance to be enrolled in university. Cost for students that are no longer covered by parents (above age 24 iirc) is close to 100€ per month.
      - tehlike 4y ago
        I think I'm more talking about the worst worst case i can think of. A citizen of EU, coming to US, working and making good money, and somehow lose the ability to work. Could they go back, and continue to live reasonable life there without having to worry about things that they normally wouldnt if they haven't come to us in the first place?
        ascar 4y ago
        I honestly don't know what will happen if I lived for an extended period of time abroad and come back. It might be a reasonable backup plan, but I also don't fancy the idea to uproot my life and lose my social circle when shit hits the fan. Also what if you're divorced and have kids? The situation can quickly get complex with kids not even allowed to leave the state. I'm not trying to say going to the US is a bad choice, just that there are very sensible reasons not to go that are often overlooked by optimism and my personal experience will always remind me of that.
        tehlike 4y ago
        Thanks - it's definitely not an ideal case, but so is losing your ability to work. It feels like a decent back up plan.
dominotw 4y ago
i was on cobra for first 3 months and got onto to obamacare after.
tehlike 4y ago
At some point around your thirties, you will probably be married. Your spouse's health care could help hedging for this case, and you can always go back to your home country and utilize what's available to you.
giorgioz 4y ago
No it's not just FAANG. Just FAANG literally imply only Facebook Apple Amazon Netflix and Google offer healthcare. So I need to find only one more company that does offer healtcare to disprove you. And I'll name Intel where I worked. But likely all companies with 50+ employees offer you healthcare. Also healthcare is not so expensive given the salary you receive. The problem of private healthcare is a serious problem related to people in the USA earning 0-50.000$ a year. After that private healthcare paid in advance costs few hundred dollars per month and you can definitely afford it with a software engineer salary.

But healthcare is just as long as you work for that FAANG. Once you are out, you are on your own. Not so in Germany.

by flexie 4y ago

But healthcare is just as long as you work for that FAANG. Once you are out, you are on your own. Not so in Germany.

I quit a FAANG job, purchased insurance, and it was pretty easy—just a couple clicks. Are you saying the government auto-enrolls you in Germany?

ascar 4y ago
> Are you saying the government auto-enrolls you in Germany? Kinda. Healthcare is not provided by your employers, but by health care insurances. It is generally mandatory to be insured. The system is split in universal healthcare (payed as a percentage of your salary) and private healthcare (payed from your bank account). Anyone self-employed and earning above a certain threshold can opt to leave the government system and buy private healthcare (gives somewhat better treatment, most notably faster appointments at specialists, as they earn 3-5 times on a privately insured patient). When you leave an employer you remain in the system you were in before. If you were privately insured and end up on social security you will be moved to the government system and they will cover healthcare costs for you. The issue is with "purchasing" insurance. a) you need money, b) what does the health insurance say when you wanna get insurance while having acute expensive health issues? Getting insurance when you are healthy and have money is easy.
- tehlike 4y ago
  Do you get healthcare when you are not making any money?
  - ascar 4y ago
    I'm not sure which situation you are asking about, but generally if you are not earning money and can't afford health care, you should qualify for social security and that covers healthcare, rent, basic needs. In general it's mandatory to have health insurance and changes in employment status don't affect your insurance status. Though it's possible to end up uninsured when you are unable/unwilling to pay, but also do not apply for social security payments (however I believe that's more an active choice than a real risk). As a student for example it's mandatory to get insurance to be enrolled in university. Cost for students that are no longer covered by parents (above age 24 iirc) is close to 100€ per month.
    - tehlike 4y ago
      I think I'm more talking about the worst worst case i can think of. A citizen of EU, coming to US, working and making good money, and somehow lose the ability to work. Could they go back, and continue to live reasonable life there without having to worry about things that they normally wouldnt if they haven't come to us in the first place?
      - ascar 4y ago
        I honestly don't know what will happen if I lived for an extended period of time abroad and come back. It might be a reasonable backup plan, but I also don't fancy the idea to uproot my life and lose my social circle when shit hits the fan. Also what if you're divorced and have kids? The situation can quickly get complex with kids not even allowed to leave the state. I'm not trying to say going to the US is a bad choice, just that there are very sensible reasons not to go that are often overlooked by optimism and my personal experience will always remind me of that.
        tehlike 4y ago
        Thanks - it's definitely not an ideal case, but so is losing your ability to work. It feels like a decent back up plan.

dominotw 4y ago

i was on cobra for first 3 months and got onto to obamacare after.

tehlike 4y ago

At some point around your thirties, you will probably be married. Your spouse's health care could help hedging for this case, and you can always go back to your home country and utilize what's available to you.

giorgioz 4y ago

No it's not just FAANG. Just FAANG literally imply only Facebook Apple Amazon Netflix and Google offer healthcare. So I need to find only one more company that does offer healtcare to disprove you. And I'll name Intel where I worked. But likely all companies with 50+ employees offer you healthcare. Also healthcare is not so expensive given the salary you receive. The problem of private healthcare is a serious problem related to people in the USA earning 0-50.000$ a year. After that private healthcare paid in advance costs few hundred dollars per month and you can definitely afford it with a software engineer salary.