skinster wrote:Well you seem to be fine with telling strangers to move country so I figured we were in an open relationship.
If I tell you, that means you will follow through with moving to Cuba
? Doesn't seem like a good deal if I do something that you want meanwhile you don't do what I want
I am used to dealing with people with dubious motives
does not bother me a bit and I can be quite transparent.
However, to put things in perspective. Let me explain why I asked.
Why do you want to know about my insurance?
Maybe you are just curious... people can be curious, there is nothing wrong with that. But this is completely offtopic, it seems to me that if curiosity is the driving objective... you could just send me a private message? Specially since this could dwell into the realm of "personal" information and be a bit akward for some people to discuss openly.
Alternatively, maybe you are just looking for whatever offtopic point that you can get your hands off indiscriminately of its educative/discussion value because you simply want to deflect attention from Cuba's failure. This might be able to work for a short period of time... but this thread has 100+ pages with many hundred posts. A temporary distraction is not going to help much
Finally there is my last theory, which I think might be the correct one. Perhaps you think that if you take me line by line of the "awful" aspects of our system in the US I would give you credit. The problem with that is... I already openly admit that the US system is not very good at all... If this is your goal, you are going through a lot of work to try to get me to admit something I have admitted many times before over the years!
Seems quite counter productive. Keep in mind, that admitting Mike is a thief does not make Josh (who is also a thief and a murderer) a more attractive roomate. Similarly, admitting the US system is mediocre at best, terrible at worse does not mean Cuba's is good at all. Cuba's is worse, FAR worse.
Anyhow... with those points out of the way. I will entertain your questions regardless.
How much does it cost and what are you covered for?
This is not a straightfoward answer.
I can tell you my deductible is 3k and my maximum out of pocket is 6k. The numbers look twice as high in the event that I go "out of network". Preventative care/immunizations/screenings are 100% covered by my plan.
Now. The numbers are a bit off because this is a High deductible plan. In theory, I can use my HSA money to pay for those deductibles and out of pocket. Because those moneys are pre-tax, it is the equivalent of getting an automatic discount at the rate of my marginal tax on every $$ that I spend on healthcare until I run out of HSA money. So you can consider those numbers as being 2k deductible and 4k max out pocket.
My monthly cost for my insurance is $135.66/pay and I get paid on a monthly salary so this is $135.66 per month.
I have this setup because I am otherwise healthy as I said before. Other than my yearly bloodwork and vaccinations I do not expect to be having many health-related visits for the time being. It is more of a "catastrophic" insurance in case I were to be diagnosed with a cancer or be involved in an accident or something of the sort. As a result, I am making the calculated decision of for the next decade or so, assuming that my health situation does not change, I can save up with such a high deductible plan in order to take advantage of lower monthly premiums and the HSA account, which admittedly, I have no plans of using fully until my older age.
Since we are in this topic... Let's compare a little bit shall we? Currently, I am paying 135.66/month. My after-tax paycheck is about 18k so this represents 0.75% of my income. In a year that I use 100% of my max out-of pocket, the math would work out as: (netpay for 1 full year = 18k*12= 216000. total premium for 12 months -> 135.66*12 = $1627.92 and the max out of pocket would be 6.2k for that year. So total healthcare-related expenses for a year where I use my plan fully because of a healthcare catastrophe would be expected to be around 6.2k + 1627.92 = $7827.92. $7827.92 USD comes to be about 3.6% of my net take home salary.
Now... lets compare this to what my mother (also a doctor) was doing in cuba. Her salary was flat at $525 pesos/month. Her insurance premiums? $0. Now... lets say that she is really sick in cuba and had to go to the hospital. There are really no ambulances in cuba... and since it is an "emergency" she cannot just wait for the bus which might very well take 2h and she would be cramped on the trip. So lets say she takes one of those beautiful old-american car taxis. Back when we left cuba, they were $10 per trip (keep in mind these "trips" are generic, those taxis would not take you to the entrance of whatever destination you are going, they would just likely leave you at a high-transit interception and you just have to walk your way a few blocks to final destination, if you actually wanted to take a taxi that left you right outside of the hospital, the price might be a few times that price). So if she gets sick just 1 time in the year and she pays for taxi to the hospital $10, and from the hospital home another $10, thats already $20. Assuming no other cost what so ever... this would come up to 3.8% of her then salary. In other words, even though she is not paying for healthcare... she ended up paying a higher percentage of her salary than I currently do. And we are not even taking into account any medications that might be prescribed (which they might not even exist in the pharmacy) or the fact that the hospitals in cuba don't have the equipment/medications/etc that our hospitals in the US have. The reality is... the cuban system is NOT free. You just never get to see what it is costing you.