this post was submitted on 27 Oct 2023
743 points (97.7% liked)

Lemmy Shitpost

26708 readers
2697 users here now

Welcome to Lemmy Shitpost. Here you can shitpost to your hearts content.

Anything and everything goes. Memes, Jokes, Vents and Banter. Though we still have to comply with lemmy.world instance rules. So behave!


Rules:

1. Be Respectful


Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion.

Refrain from being argumentative when responding or commenting to posts/replies. Personal attacks are not welcome here.

...


2. No Illegal Content


Content that violates the law. Any post/comment found to be in breach of common law will be removed and given to the authorities if required.

That means:

-No promoting violence/threats against any individuals

-No CSA content or Revenge Porn

-No sharing private/personal information (Doxxing)

...


3. No Spam


Posting the same post, no matter the intent is against the rules.

-If you have posted content, please refrain from re-posting said content within this community.

-Do not spam posts with intent to harass, annoy, bully, advertise, scam or harm this community.

-No posting Scams/Advertisements/Phishing Links/IP Grabbers

-No Bots, Bots will be banned from the community.

...


4. No Porn/ExplicitContent


-Do not post explicit content. Lemmy.World is not the instance for NSFW content.

-Do not post Gore or Shock Content.

...


5. No Enciting Harassment,Brigading, Doxxing or Witch Hunts


-Do not Brigade other Communities

-No calls to action against other communities/users within Lemmy or outside of Lemmy.

-No Witch Hunts against users/communities.

-No content that harasses members within or outside of the community.

...


6. NSFW should be behind NSFW tags.


-Content that is NSFW should be behind NSFW tags.

-Content that might be distressing should be kept behind NSFW tags.

...

If you see content that is a breach of the rules, please flag and report the comment and a moderator will take action where they can.


Also check out:

Partnered Communities:

1.Memes

2.Lemmy Review

3.Mildly Infuriating

4.Lemmy Be Wholesome

5.No Stupid Questions

6.You Should Know

7.Comedy Heaven

8.Credible Defense

9.Ten Forward

10.LinuxMemes (Linux themed memes)


Reach out to

All communities included on the sidebar are to be made in compliance with the instance rules. Striker

founded 1 year ago
MODERATORS
 
top 50 comments
sorted by: hot top controversial new old
[–] [email protected] 31 points 1 year ago (3 children)

Well, here in Germany you're paying (you have to) around 15% of your gross income for health insurance plus 3.4% for intensive care insurance. Your employer pays for half of those. Insurances are expensive but if you need them it's cheaper than paying for treatment yourself. What I pearsonally find worse is the public tv and radio fee you have to pay each month (18 euros, same as netflix premium) to finance some dickwad director earning 200k+ even if you don't watch or even have a tv/radio. Also it doesn't matter how much you earn, the fee is the same.

[–] [email protected] 17 points 1 year ago* (last edited 1 year ago) (2 children)

So workers pay 7.3% and employers pay 7.3%? It covers all of your health care costs? U.S. insurance varies in cost but we have medical bills on top of insurance costs.

[–] [email protected] 14 points 1 year ago (3 children)

But what does your insurance pay for if not the medical bills? It's supposed to be its entire purpose, pay the medical bills.

[–] [email protected] 17 points 1 year ago (1 children)

Insurance companies put enormous amounts of resources, time, and manpower into avoiding paying the bills. They’ll find some excuse buried in their 400 page packet, or they’ll deem something not a “medical necessity “ until it’s too late to do anything about it.

[–] [email protected] 9 points 1 year ago

I received a HEART TRANSPLANT and my insurance tried to kick back one of my echo-cardiograms that I get quarterly to make sure my donor heart isn't being rejected. They're ridiculous.

[–] [email protected] 11 points 1 year ago* (last edited 1 year ago) (1 children)

There's different tiers, but in the case of a doctor visit and prescriptions for medication, you typically have a copay amount which insurance does not cover. If you have a serious illness and require treatment in the hospital you would be required to pay 30%-40% of the total bill. Also some insurance requires that you pay a certain amount per year before it will take effect, then the insurance pays the rest for the year. There's tons of different plans and scenarios, insurance here is a rip off.

[–] [email protected] 9 points 1 year ago

And they do this because they claim that "we had many studies and focus groups and we found that people want choice!!"

"Choice" in health insurance is the atupidest fucking concept created by man since putting two of every animal on a fucking boat and repopulating though incest

load more comments (1 replies)
[–] [email protected] 4 points 1 year ago* (last edited 1 year ago)

Yep, all covered except for some extra stuff like getting your teeth deep-cleaned by your dentist or some premium dental prosthetics, but they usually subsidize it. Edit: also having most people enrolled in the public insurance (wealthier people have private insurance) makes this system possible, at least for now.

[–] [email protected] 12 points 1 year ago

The public broadcasting fees are important to prevent private monopolies. To add some context to non germans: The most people here who cry about the fee are far right wingers because the public channels are the only ones really doing work to uncover things like Nazis in the police.

And if you are without a job you dont have to pay it.

[–] [email protected] 6 points 1 year ago* (last edited 1 year ago)

I find it interesting that u mention the German public broadcasting fee in a post about healthinsurance fees. Anyway I see the point why some criticise this specific fee. Imo the fact that is actually a separate "fee" and not hidden behind general state funding as taxes is the problem why people even mention it. Obviously when we would talk about taxes you will see there are much more fucked up ways where your tax is wasted. Anyway most of Europe does indeed have public broadcasting that is funded by public money. That is because they are indeed supposed to serve the public. In the EU, they are organized in the Eu Broadcasring Union. There is are very lengthy wiki articles on the history on PB or the EBU. However the gist of why this is such a vital concept could maybe summarized as " EBU members are public service media (PSM) broadcasters whose output is made, financed, and controlled by the public, for the public. PSM broadcasters are often established by law but are non-partisan, independent and run for the benefit of society as a whole."

[–] [email protected] 28 points 1 year ago (1 children)

This is very ironic if you work for an insurance company.

[–] [email protected] 4 points 1 year ago

I imagine working for a major health insurance provider... One would use them for health insurance?

[–] [email protected] 19 points 1 year ago (1 children)

If you mean specifically health insurance.... yeah this is spot on.

I think it's more complicated for other kinds of insurance though.

[–] [email protected] 42 points 1 year ago (1 children)

Health insurance shouldnt be health insurance.

It should just be health care.

[–] [email protected] 9 points 1 year ago (1 children)
[–] [email protected] 6 points 1 year ago* (last edited 1 year ago) (2 children)

And to your point, traditional insurance (home, auto, etc) pretty much targets a specific profit margin of about 3% or $0.03 for every dollar they take in. They tend to get eaten alive by competition when they get greedy, unlike a lot of other industries. But rates increase as costs increase ro maintain that 3% target…and costs have increased a LOT in recent years.

It’s a pretty misunderstood industry tbh, and not without its own issues for sure. But overall it has its purpose and is heavily regulated to ensure they’re playing responsibly. They earn their money on investing the money they take in, and basically take the bet that they can earn more in the market than the risk they take on for every policy sold.

load more comments (2 replies)
[–] [email protected] 11 points 1 year ago* (last edited 1 year ago) (1 children)

Would be a shame if you had an...accident

[–] [email protected] 8 points 1 year ago

Has an accident

Insurance company that won't help you: ...... Isn't that a shame :(

load more comments
view more: next ›