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Oh boy the choice to pay 450$ a month or have my whole family bankrupted by a procedure!
Oh you have the 450$ a month plan? Enjoy still getting ripped off by the scummiest industry in America.
I imagine a lot of Americans give birth at home to reduce costs.
Perhaps I'm just cheap
Well a quick Google search says an at home birth cost 3000-9000 out of pocket. Thought that was a lot until I saw this. "Giving birth costs $18,865 on average, including pregnancy, delivery and postpartum care, according to the Peterson-Kaiser Family Foundation (KFF) Health System Tracker." (https://www.forbes.com/advisor/health-insurance/how-much-does-it-cost-to-have-a-baby/)
Amazing how our society has found a way to bill us for literally becoming alive.
Officials are like "whys nobody having kids??" Meanwhile I don't even have enough cash to cover the fucking birth.
😬 not to be smug, but in Belgium and in most of the world it's 300 euros
You're not smug. You're just living in a reasonable country.
That's cute that you think $450 a month gets you an insurance plan. At that price it's subsidized by somebody.
My employer sponsored plan costs me $300 a month and they pay $1200 a month. It's still high deductible. It still covers next to nothing. My wife's necessary life saving meds still hit the deductible each year, costing me several thousand dollars additionally.
My wife and I have a deductible of 9,000 - It pretty much means I'll hope a broken toe heals correctly and not see a doctor. . It didnt and now hurts most of the time. I have food and gas money tho.
3300/6600 here. 6000/12000 out of pocket maximum though.
I'm basically dinged for 3300 whenever I need health services other than a yearly physical or an eye exam.
Every january we drop 3300 on meds for my wife and she gets eaten alive with copays for all her specialist visits.
The $1000 deductible plan my employer offers costs $1062/month for family and you still pay $40 per visit as a copay, and the employer is still dropping that $1500/month - so you're effectively paying $30,744 to insure a family of 3 and that's not all-in on expenses. Plus since $1000 is a "low" deductible you don't get to keep basically anything you put into your FSA, unless you know you're gonna use it all. Why medical expenses are ever subject to taxes is beyond me. The whole thing should be single payer... we could probably operate on a third of the budget we have today without giving any worker providing care to patients any kind of pay cut. The middle men (insurance) do very well.
They can only make profits off of something like 20-25% of overall revenue, the rest must be spent on "providing and improving" patient care. Hiring bean counters to make sure you maximize your revenue and reject as many costly applicants as possible is part of the "providing and improving" part, so they spend substantially less than 75% of their revenue on actual treatment.
Good Lord what a dystopian future we live in. I was born in the 70s when the universe was fairly normal and the dream was still something you could achieve. I'm kinda glad I'm old and won't see how bad it will get here.
Not my point. Obviously the US system is complete shit but the healthcare cost is still part of the cost of labor for production of goods in other countries too.
Yeah no shit but in other countries you don't have insurance companies and a laundry list of middlemen skimming half the revenue from your payments before a doctor even sees you.
Difference is you don't have to worry about medical issues if you lose your job cause it's not tied to your employment