AA787823
Topic Author
Posts: 696
Joined: Wed Nov 08, 2006 11:27 pm

Your Health Care Costs?

Thu Mar 22, 2007 6:27 am

For me on my insurance I pay $230 a month insurance premium. ($115 a paycheck). Then I have to meet an annual deductable of $2000.00 before the insurance starts paying anything. After that they pay 75% of elligible claims.
Unfortunately the majority of my medical issues are for my back, and since I have had back problems since I was 15, insurance wont cover it now since it is a "pre existing condition" prior to my current insurance.
F.U.R.P.....Families Under Reduced Pay
 
Go3Team
Posts: 3156
Joined: Sun Mar 14, 2004 1:19 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 6:36 am

I pay $50 a week. For four prescriptions, I pay $40 a month. 2 of the prescriptions are pretty high $$$, thankfully the insurance knocks them down a bit. With what I pay, and what I have needed (so far - with one exception) I pay more than I use.
Yay Pudding!
 
AeroWesty
Posts: 19551
Joined: Sat Oct 30, 2004 7:37 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 6:39 am

Quoting AA787823 (Thread starter):
insurance wont cover it now since it is a "pre existing condition" prior to my current insurance.

Interesting, most group health plans will only exclude coverage for a specific condition/illness for a specified period of time, not a lifetime.

Quoting AA787823 (Thread starter):
For me on my insurance I pay $230 a month insurance premium.

I pay $420 per month for the premium, $750 deductible, 80% afterwards for those under the PPO contract, then $10 generic/$20 brand name/$40 for non-formulary drugs when I visit the pharmacy. My effective cost per year is up around 40% from just two years ago. I found a free discount drug card on the 'net that actually gives me lower prices on a few of my drugs than I'd be charged if I used my insurance.
International Homo of Mystery
 
ANCFlyer
Posts: 21391
Joined: Mon Nov 15, 2004 3:51 pm

RE: Your Health Care Costs?

Thu Mar 22, 2007 6:42 am

None. US Army retirement benefit.

OK, a small cost. US$9 per prescription (US$4 for generic). I take no meds routinely.
FOR THOSE THAT FOUGHT FOR IT, FREEDOM HAS A FLAVOR THE PROTECTED WILL NEVER KNOW OR UNDERSTAND
 
ThePRGuy
Posts: 1833
Joined: Thu Aug 10, 2006 10:07 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 6:44 am

Quoting AA787823 (Thread starter):

Good old NHS here in the UK.
F**k off privatisation Big grin Lets keep this deficit getting deeper and deeper!
Pay a bit of the old NI payment - but nothing near your £150 a month.

Thanks
Alex
Heathrow has been described as the only building site to have its own airport.
 
PaxBCN
Posts: 9
Joined: Thu Mar 22, 2007 4:48 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:01 am

And I was complaining about the Spanish social security... It's not perfect, but it's free!!

I believe that with those prices many people just can't afford to get sick or I'm missing something?

Pax
 
Charger
Posts: 264
Joined: Mon Oct 16, 2006 11:20 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:14 am

Medical Insurance_ I pay nothing, zip, zero. All 100% paid for by my employer. I go to the doctor give them my ID card and walk out when I'm finished. No Deductibles, no Co-pay, nothing.

Dental Insurance- Same deal. My cost zero. All covered by my employer. No deductibles, or co-pay.

Eye exams and glasses. 1 eye exam per year, and (I think) it's 2 sets of glasses. My cost zip. I don't go to the eye doctor often. Probably been at least 5 years. So this may have changed a little.

Oh and my wife and children are 100% covered also, with no cost to me.
 
highpeaklad
Posts: 510
Joined: Tue Aug 24, 2004 5:19 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:19 am

Quoting ThePRGuy (Reply 4):
Good old NHS here in the UK.
F**k off privatisation Lets keep this deficit getting deeper and deeper!
Pay a bit of the old NI payment - but nothing near your £150 a month.

NI payments have nothing directly to do with the NHS. The NHS is funded through general taxation.

Tax rates are approximately the same in USA and UK but here we get free healthcare for your money.

And its not bad like everyone says. My dad needed a heart valve replacement and had been under a cardiologist for some months getting his weight down to an acceptable level. Once that was OK he saw a surgeon and had his operation the next week in a modern hospital. The only benefit of private treatment would have been better food in the hospital and a private room instead of a 6 bed ward (although I'd rather be in a 6 bed ward )

Chris
Don't try to keep up with the Joneses - bring them down to your level !
 
RobertNL070
Posts: 4160
Joined: Mon Sep 22, 2003 4:29 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:19 am

Somewhere in between the UK/Spanish system and the United States. OMG Westy, isn't that daylight robbery?

€ 115.00 per month, € 0 deductible. 100% medical cover, 80% dental. Because I made about € 33.00 medical costs in 2006, I'm looking at a rebate of up to € 255.00 before 1 April  cheerful 

Robert  bouncy 
Youth is a gift of nature. Age is a work of art.
 
lijnden
Posts: 528
Joined: Wed Apr 02, 2003 1:34 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:20 am

Her in Holland I pay for my family of 4 people (2 adult and 2 kids) the following:

€ 331,74 taken from my salary by the government (they say it is for medicine)
€ 102,00 basis health insurance per adult
€ 47,00 extra package per adult (out of country treatment / alternative)
€ 31,00 dental package per adult
€ 22,00 extra package per child

Total: € 735,74 or € 183,94 per person

On top of that I pay € 38,00 per year in case I need a materials like a wheelchair to the local health store and I still pay for my prescription a part myself and all of the standard drugs like paracetamol, coughing syrop, band aid etc.
Be kind to animals! Next trip: ORF-ORD-NRT-IAH-ORF
 
Springbok747
Posts: 4007
Joined: Sun Nov 14, 2004 9:13 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:27 am

Even though we have Medicare, it sucks, always beter to have a private health insurance. I pay $940 a year, and includes dental cover also.
אני תומך בישראל
 
Sabena332
Posts: 14938
Joined: Wed May 09, 2001 3:57 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:33 am

Way too much for way too less benefits... compulsory health insurances became a fucking joke here in Germany, I wish that I would still have a private health insurance via my parents.

Patrick
NZ1's mother is a disgusting crack-whore and his father is a worthless alcoholic!
 
johnboy
Posts: 2557
Joined: Wed Aug 18, 1999 9:09 pm

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:42 am

I pay $10 a month for health insurance premiums with my employer paying the rest (I work for a county government in California).

No co-pays for anything.

My medicine costs $2000/month and I don't pay a dime for it. Just walk in to the drugstore and say thank you.

I was hospitalized out of town a couple of years ago, and they didn't charge me a thing for it. I had to get a rare antibiotic that cost $75/pill and the Wal-Mart pharmacist was flabbergasted that she didn't have to charge me.
 
MaidensGator
Posts: 848
Joined: Fri Jan 12, 2007 12:02 pm

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:47 am

Quoting Highpeaklad (Reply 7):

Tax rates are approximately the same in USA and UK but here we get free healthcare for your money.

Hmmmmm.... On taxable income of US $100,000 you pay $22,300 in the US, $40,600 in the UK, not what I'd call approximately the same....
The first thing we do, let's kill all the lawyers.
 
User avatar
Aaron747
Posts: 8545
Joined: Thu Aug 07, 2003 2:07 am

RE: Your Health Care Costs?

Thu Mar 22, 2007 7:49 am

Japan has a National Health Insurance scheme. My NHI premium is around $90/month because my company pays for part of it. My wife and son are also covered.

For emergency room visits and hospital stays, NHI covers 70% of the cost. For my son's clinical visits and immunizations, everything is covered 100% until he's 12. For major surgery and things of that nature, NHI coverage is capped at a certain million-yen amount (equivalent to around $100,000). For cost beyond that, it's necessary to have the cash on hand, so a lot of people have supplemental private insurance.
If you need someone to blame / throw a rock in the air / you'll hit someone guilty

Who is online

Users browsing this forum: aerlingus747, Baidu [Spider], Bing [Bot], Bongodog1964 and 27 guests