idk man I just need to vent i guess
my employer “provides” health insurance in exchange for my time and labor, and for that great privilege they take $600 out of my paycheck every month (covers me, my wife, and our 1yo son)
that’s half our monthly mortgage payment; it’s 2/3 our monthly grocery bill
why?
Until you realize that in your praised Europe with the universal healthcare this is presicely how it works.
If you want cash instead of benefits go become a contractor.
I can’t possibly see where on an antiwork sub I could even begin to explain why employment laws and health insurances exist instead of everyone just getting plain cash for their labor. If you don’t know that, you’re not qualified to be antiwork.
Is this a swing at Europe? Because universal healthcare takes €50-60 per month in taxes, around €15-25 per month that you must pay to your personal healthcare and there’s a €10 per month “hospitalia” that pays for hospital services like rooms. If you get into an operation which would cost $50 000 in the US, in Europe that would cost €2500 here plus €500 for a room, you get around €2000 back from your personal healthcare that’s subsidized by the universal healthcare, and you get €400+ back for the room.
I really don’t get your take, I’m antiwork when it’s abouts profits but I love paying these taxes.
I’m from a place in Europe. Had complicated surgery recently. I technically made money from it. And once the scar and minor disability is calculated, I’ll probably make even more. To put things in perspective, I mean.
Disability and “long term health care” often have their own type of government spending. It might look like you’re making money but it’s the same as getting unemployment benefits. Although in this case they are justified by your health instead. These costs are considered to be paid by past and future taxes.
If it’s anything else you’re pretty lucky, but it can quickly turn into minor fraud. If you are working and are getting a lot of money, be sure that they know you are getting this money.
It’s not a lot of money and certainly not worth it. I’m just making a point that I financially go positive rather than negative. The money comes from a private insurer that makes money every year. I’m pretty sure they are on top of things. This is not some advanced insurance scam; it’s the realisation that an accident is something to be compensated for and not punished for. No-one wants to be in an accident (edge cases blah blah).
I see. I wasn’t claiming it was a scam or anything.
Damn it’s really that cheap?
It’s decent and affordable but not cheap. The US is just extremely expensive. I read that hospitals in the US even bill pills that are given to you, separately, at 50 times the actual price or something.
I really wish healthcare would be affordable and possible for everybody because not only does it improve lives medically, but also psychologically as you know they are there to help you.
They pay $600 a month for insurance and STILL pays doctor bills. I also pay 600 a month and my yearly max out of pocket is $2500 per family member. In the EU the pay nothing other than taxes(maybe some small fees but not much at all) And from searching a few websites the max you will pay in Germany is 7.3 percent of your income capped at €62100 for a max monthly insurance cost of €377.77($420.70 USD)
Why don’t you try? I’m sure you’d do a bang-up job explaining.