Ask Lemmy

Here's my anecdote. I have Kaiser through my employer and pay about $200 a month for the best plan offered. I pay $10 for a 30 day supply of generic medication. Video/phone visits are free. I recently had to get lab work done twice and paid $90 combined for both, but I was able to just drop by whenever was convenient for me and was in and out in 10 mins. I had a mental health crisis last year and went through weeks of intensive outpatient group therapy plus months of ACT/DBT therapy all for free. My individual therapist is covered and I pay nothing. I recently had a physical exam, it was covered. Now I do have an autoimmune disorder that I do feel a bit neglected a bit by them, but I could advocate for myself more.

So from a non major life threatening emergency perspective, I feel pretty satisfied with my insurance.

I work at a large, private university health system.

Annual up front cost for insurance is $4967 for medical insurance and $609 for dental. Those cover me, my wife, and two of my three children. The insurance is a plan funded by my employer, but managed by Independence Blue Cross, AKA "Personal Choice".

There are three "tiers" of coverage.

First tier is for facilities that are part of my employer. Generally, for procedures performed at my employer's facility there is no additional charge. For a primary care provider who is part of my health system, there would be a $20 copay per visit. Specialist would also be $20, and an ER visit would be $200.

There is an "in network" tier, made up of external providers that accept personal choice. Primary care copay is $35, specialist is $50, ER $200.

The third tier is "out of network". If we see someone out of network, we would have to pay them directly, then try to get partial reimbursement from insurance.

There's also a prescription plan, but we get a discount by using the hospital's outpatient pharmacy.

Everyone always talks about the cost to give birth. All three of my kids were born at the hospital where I work, and none of the births cost us any additional money.

I pay 9.79$/month for medical only, pre-tax, myself only on the plan, working for a mental healthcare nonprofit. My medical copays have been free lately for routine office visits. I have to get labs done 4 times a year for the meds I take and those have all been free so far. Because they’re classed as “preventative” to make sure nothing goes wrong with the meds, it’s free 🤷🏽‍♂️. Non preventative things have a 2000$ deductible, so I have to pay that much before medical care for the calendar year becomes free to me. That means that if I get sick in December, I have to pay 2000$to cover for December and again in January to cover for the next year.

Dental coverage is free. I pay 40$/visit as a copay for cleanings and all else (if I’m not in perfect health) I pay 30% of that bill. Recently I had periodontitis and my bill after treatment was 600$.

mine is decently inexpensive through Obamacare, and I'm in a low enough income bracket. but it still isn't ideal, I needed a sleep study. with or without my insurance it was going to cost $1,000 so I just never had it

Your friend should let all the Americans going into bankruptcy each year due to medical debt that they imagined it all along.

When I used to live in the states my family would pay something like $2500/month for health insurance that covered all of us. Don’t know what the deductible was but apparently this was a very good plan. This was back around 2000.

I forget what count is taken out of my check every 2 weeks, I think it's like 50 bucks for vision/dental and my work actually fully covers medical?

Went to the ER 2 months ago due to severe dehydration because I was puking and having diarrhea everywhere almost as badly as when I was e. Coli poisoned. 2 hours in a chair getting a saline drip cost 2750ish, plus the ambulance ride of something like 3200? Wife got the special pass thing they sell for $100 that comes with 3 rides a year if you're in our county, so we only had to pay 100 for the ride but still.

Just shy of 6k to be rehydrated and told "lol no idea what caused it buddy come back during normal hours and we'll scan you" as my wife had been in earlier that day for the same issues, gotten an MRI (cat or whatever scan it is) and got told "lol idk", but her insurance covered it completely

We could do it cheaper if we did it like any other civilized country but nope, it makes someone money