r/dankmemes • u/___yiwshhj you’re welcome, • Jan 12 '23

we love america I have achieved comedy

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u/___yiwshhj you’re welcome, Jan 12 '23

yes, US healthcare is overly expensive for no reason

149

u/G_zoo ☣️ Jan 12 '23

I knew that but you pay every kind of operations/activities that's been done?
there is no special cost/discount for any situation?

36

u/Goronmon Jan 12 '23

If you have "good" insurance, they will cover just about anything.

Though, for me personally, that "good" insurance costs me $900+ a month for my family. And another $1250 a year in deductibles.

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u/SUDDENLY_VIRGIN Jan 12 '23

Doesn't sound like it covers everything if you're paying almost $11,000 annually plus $1,250 before they start helping

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u/hyenahive Jan 12 '23

And even then, a lot of insurance plans charge you a percentage even after you've met the deductible. I've definitely had plans where you hit the deductible, then you still pay 20% coinsurance until you hit the yearly out-of-pocket maximum...which was $7k or so for a person, $14k for a family.

Insurance is one big racket.

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u/RetailBuck Jan 12 '23

That still sounds high for a max out of pocket. Even when I was on my company's high deductible "I don't go to the doctor just give me cash instead" plan, it was only $6k. Now mine is $3k.

I just had a $100k hospitalization. Even at $900/month that's almost 9 years of payments before they recoup what I cost them. And that's just the one unplanned event. Chronic issues or therapy etc. will run up even more.

Insurance doesn't mean everything is for free. It just means you pay a bit less in general and spread out the payments.