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I had a relative who once had a serious emergent heart problem (not a heart attack) in Italy. Ambulance to the ER, admitted to hospital for several days, ran a gazillion tests and procedures; huge workup. Was billed because no national insurance.
Grand total: €200. Not even worth trying to claim on American insurance.
We could have entire battalions of paid public workers whose only job is to go out of their way to solve people's problems, but instead we get: excess profits (read: stolen value) that benefit virtually no one.
I showed up in Italy to work on a farm for a month.
Ate the wrong thing one night, and my airways started closing up. Despite my Americanism coming through "dont call the ambulance, I can feel the benadryl kicking in", my hosts called an ambulance.
After a 45 minute ambulance ride, a 5 hour hospital stay including chest x ray, monitoring, and fluids, I was trying to pay up. The doctor lady just laughed at me as a I flashed my debit card. They sent me on my way with some albuterol for $0.
We really do everything we can to enrich health execs here in America. Crazy to think about the mental benefits of knowing you live in a society that at least has the capacity to get you through a medical emergency without bankrupting you.
I thought there was going to be some punchline and I was quite confused at the end, what else would paramedics do if some kid was sick? Then I read the comments and remembered about America... I genuinely don't know how people can live in a country that is so antagonistic to its own citizens.
It's all we know and most of us don't have any other choice. It's wild the stuff humans can normalize when you grow up with it and are surrounded by it.
I would be INFURIATED if MY Tax Dollars went to THAT INSTEAD of Elon Musk's POCKETS!
Won’t someone think of the ROCKETS
Just to avoid any false impressions: healthcare is not free in Germany. You should always get travel health insurance. Having said that, it's pretty affordable. I pay about €80 a year for me and my wife for worldwide coverage.
That's basically free to Americans. We pay that per visit if we are lucky. Health insurance here exists to make a profit, not to help people out when they need it.
More death = More profit
Same in Ireland but a trip to the emergency room (including ambulance if you need it) sets you back €100 euro which is about $110 USD.
2nd last time I was in one there was an American couple across from us whose daughter had gone into a seizure in their hotel. We ended up chatting a good bit and I honestly was very glad for them that they weren't paying American pricing.
Last time I was in one we had a referral from our doctor so it was free (there's a filtering process to stop people with a cold coming to emergency) Included an MRI for my daughter and we've a follow up coming. Again all free.
So when you say it's not free, it's strictly true but holy moly the difference in potentially life destroying cost and not having to weigh that up. It saves lives.
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.
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
Where do you get travel health insurance from?
From commercial providers. It's not necessary for EU Citizens travelling inside the EU/EEA as they are treated like people in the national systems for emergencies.
But it simplifies a lot because you can go to any doctor and sometimes they play dumb and pretend they don't know about the rules and want to force you to pay out of pocket (Happened to me in Austria, I've just reported them to the Austrian Health Insurance, he wanted 200€ which is outrageous overpriced and was a contracted doctor of ÖGK). Especially in Eastern Europe. But that applies only to GPs, Hospitals usually play by the rules.
And it's also useful for travelling outside of the EU
Especially in Eastern Europe.
In post-Soviet countries, it was sadly normal that doctors would demand bribes on top of state insurance. The most outrageous shit I heard was and ob/gyn charging a months salary for a birth, half a month if it turned out to be a girl.
When Americans do nice things in their country ... they destroy it and call it communism or "woke"
When Americans are treated nice in a foreign country, they act confused and wonder why their country can't do the same.
I think a lot of people in the US have their head so far up their ass being racist and doing other xenophobia, they'd rather drown in their own shit than than have "one of them" get something "for free".
That's what 60+ years of fascism-directed conservative politics distributed by the likes of Fox News, systematic defunding of public education, and an almost complete halt in wage increases so 90% of the population no longer has any discretionary income and is essentially forced to work paycheck to paycheck has given us. It's working exactly as intended.
"If you can convince the lowest white man he's better than the best colored man, he won't notice you're picking his pocket. Hell, give him somebody to look down on, and he'll empty his pockets for you."
-President Lyndon B. Johnson
yes, Germany has great healthcare, but he got sick from eating Mett, so s it really civilized?
Reject food poisoning, go vegan 💚
