5 ms·

Maybe don’t believe everything you read on the internet haha.

i_am_a_peasant 3y ago
No idea what you're referring to here. I've visited the US several times and have lived in Europe most of my life. I've needed to be hospitalized a few times in my life and I didn't need to pay anything, anything.
- kortilla 3y ago
  In the US you pay an annual deductible of like $2k for a good health insurance plan. Just take that off of your salary that is $50k greater than your European counter part and you’re good to go. Like GP said, the Internet is very misleading about this. Healthcare is OK for the middle class and that’s why there isn’t enough pressure to change it.
  - yakz 3y ago
    This is not even remotely correct. In the US, you usually pay a monthly premium which is only a portion of the actual cost, and the remainder is paid by your employer. On top of that, yes, you pay your deductible. A $2,000 deductible could be considered a low deductible--it could be double that or more with lower premiums. After that, you have the "out-of-pocket" maximum. You pay 20% of costs until you hit the "out-of-pocket" maximum, which is typically thousands of dollars per year. Beyond that, there are actually two different deductibles and two different out-of-pocket maximums. One for in-network services, and one for out-of-network services. You can go to an in-network facility and see out-of-network providers without notice. And even beyond that, while it has been curbed with some recent legislation, if your insurance provider decides to pay less than the provider believes they are owed, the provider can bill you independently for the remainder. So NO, it is definitely not $2k per year for a good health insurance plan in the US. FAR from it.
    - mciancia 3y ago
      So, if not $2k then how much more? How much is this monthly premium? We are talking about 50USD, 500USD, more? You say out of pocket is in thousands per year - so I assume <10k? I wonder what is upper bound of yearly cost for having same or better level of healthcare as in Europe. If that's like 15k a year, than I would assume, at least for SWEs, it still makes a lot of sense to go to US - pay difference is huge. I would not be surprised that even you you would count 50k a year for medical it could still make a lot of sense to move to US if you are good - I don't hear that much about 300k, 400k or more TC per year in EU
      - MRtecno98 3y ago
        It's not only insurance, rent and cost of living in general is (on average) higher in the US, partly because of the higher wages
      - maxerickson 3y ago
        It's plan dependent. Lots of people will have an out of pocket maximum that is less than $10,000. The premiums will also vary, but probably a few hundred for most employer plans.
      - tiahura 3y ago
        How much is this monthly premium? We are talking about 50USD, 500USD, more? If you don’t know how much monthly insurance premiums are, you probably shouldn’t be arguing about the topic?
        Reubachi 3y ago
        That person you're replying to isn't the original commenter who implied that it's cheaper to get healthcare in US due to salarys.
        ffgjgf1 3y ago
        Maybe you should you should be asking this the person that comment was aimed at? Because all of those things they mentioned are heavily dependent on the premium which they decided to omit in those hypothetical calculations
  - Reubachi 3y ago
    Untrue. There are maximum amounts for everything, co pays, and premiums. Did you forget all those? I have had to redo my teeth due to a medical issue. My insurance paid for the medical issue. My teeth though? This year alone I've spent 13k out of pocket after maxing out my dental insurance. Next year will be the same. and the year after. And I'm paying for insurance while paying all of this.
kcb 3y ago
"Oh no, I've got the flu, guess I have to declare bankruptcy again." -How Europeans think US healthcare works

No idea what you're referring to here. I've visited the US several times and have lived in Europe most of my life. I've needed to be hospitalized a few times in my life and I didn't need to pay anything, anything.

kortilla 3y ago
In the US you pay an annual deductible of like $2k for a good health insurance plan. Just take that off of your salary that is $50k greater than your European counter part and you’re good to go. Like GP said, the Internet is very misleading about this. Healthcare is OK for the middle class and that’s why there isn’t enough pressure to change it.
- yakz 3y ago
  This is not even remotely correct. In the US, you usually pay a monthly premium which is only a portion of the actual cost, and the remainder is paid by your employer. On top of that, yes, you pay your deductible. A $2,000 deductible could be considered a low deductible--it could be double that or more with lower premiums. After that, you have the "out-of-pocket" maximum. You pay 20% of costs until you hit the "out-of-pocket" maximum, which is typically thousands of dollars per year. Beyond that, there are actually two different deductibles and two different out-of-pocket maximums. One for in-network services, and one for out-of-network services. You can go to an in-network facility and see out-of-network providers without notice. And even beyond that, while it has been curbed with some recent legislation, if your insurance provider decides to pay less than the provider believes they are owed, the provider can bill you independently for the remainder. So NO, it is definitely not $2k per year for a good health insurance plan in the US. FAR from it.
  - mciancia 3y ago
    So, if not $2k then how much more? How much is this monthly premium? We are talking about 50USD, 500USD, more? You say out of pocket is in thousands per year - so I assume <10k? I wonder what is upper bound of yearly cost for having same or better level of healthcare as in Europe. If that's like 15k a year, than I would assume, at least for SWEs, it still makes a lot of sense to go to US - pay difference is huge. I would not be surprised that even you you would count 50k a year for medical it could still make a lot of sense to move to US if you are good - I don't hear that much about 300k, 400k or more TC per year in EU
    - MRtecno98 3y ago
      It's not only insurance, rent and cost of living in general is (on average) higher in the US, partly because of the higher wages
    - maxerickson 3y ago
      It's plan dependent. Lots of people will have an out of pocket maximum that is less than $10,000. The premiums will also vary, but probably a few hundred for most employer plans.
    - tiahura 3y ago
      How much is this monthly premium? We are talking about 50USD, 500USD, more? If you don’t know how much monthly insurance premiums are, you probably shouldn’t be arguing about the topic?
      - Reubachi 3y ago
        That person you're replying to isn't the original commenter who implied that it's cheaper to get healthcare in US due to salarys.
      - ffgjgf1 3y ago
        Maybe you should you should be asking this the person that comment was aimed at? Because all of those things they mentioned are heavily dependent on the premium which they decided to omit in those hypothetical calculations
- Reubachi 3y ago
  Untrue. There are maximum amounts for everything, co pays, and premiums. Did you forget all those? I have had to redo my teeth due to a medical issue. My insurance paid for the medical issue. My teeth though? This year alone I've spent 13k out of pocket after maxing out my dental insurance. Next year will be the same. and the year after. And I'm paying for insurance while paying all of this.

kcb 3y ago

"Oh no, I've got the flu, guess I have to declare bankruptcy again." -How Europeans think US healthcare works