this post was submitted on 28 May 2025
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In Germany you would need to pay a copay for the ambulance between 5-10€, the emergency room would be fully covered. Only if you get admitted you would be charged a copay of 10€/day up to 30 days a year. For prescription medications there is also a copay between 5-10€ for each of them.
All Co-Pays are capped at 2% of your yearly income, or 1% if you suffer from chronic diseases
My son was in the hospital for 4 days and the charge was $20,000.
The ER visit before admitting was a separate $2,000 charge.
We have insurance, so we only had to pay around $8,000 out of pocket. It would have been less, but some of the people in the hospital didn't take our insurance, and our insurance also said that some procedures were overpriced so they only paid the amount they thought was fair.
We didn't get to pick any of the people who provided care, and we were not presented with the ability to negotiate on prices to make sure our insurance wasn't being taken advantage of while they were doing respiratory therapy on our baby.
Our entire system needs to be torn the fuck down and be replaced with something entirely free. I don't even give a fuck about people abusing the system at this point. Fuck it, let it cover elective cosmetic surgery. Never say no to anyone unless the doctor says it first.
My taxes will go up, but I can fucking promise they won't go up by as much as I'd be saving in premium.
Because of right, I pay hundreds of dollars a month for the insurance that then only pays once I get fucked hard enough, and then still doesn't pay for all of it.
Fuck the entire industry, fire them all and seize their assets.
And I'm well off compared to a lot of people.
Better yet, have Mario pay them a visit. They have more than earned it! 👹
Make a lemmy community and make people subscribe who want change.
The American system for me.
Halfway through the year cost so far:
Relatively inexpensive union insurance for the family $2310. Out of pocket expenses so far $3,700. Total $6010 so far..
Estimated total by the end of the year - $2310 in insurance premiums, 3,000 out of pocket.
Yearly estimated total $11,320.
2 years ago we had the corporate America special. Premium was $16,200, out of pocket was 8,000. $24,200 was the total cost. It was 26.8% of my gross income that year.
Well 2310$ per year isn't that much.
In Germany the statutory Health insurance is 14,6% of your salary, capped at a maximum of 942€/month (half paid by you, half paid by your employer ), this also covers your children and your wife if she's not working.
But on the other hand, there won't be any significant out of pocket expenses here