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DH and I are pretty healthy and very rarely are at the doctors office.

What does our $1200/month premium get us?

a annual $1500 deductible (for hospitals only)

Once the annual deductible is met - we owe 20% of the cost of any hospital stay.

god-forbid I should need an emergency c-section which would double our cost.

Now starts my search for someone to provide supplemental insurance now that I'm already 6 months pregnant.

I am revolted at the total inefficiency of the quality of insurance. Maybe this is just a bad deal we got through DH's business plan, but for the first time this whole pregnancy, I feel like I need to throw up.
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I'm with you!

DP works for a large & very well-known computer technology company. The health insurance plan they offered was just plain laughable. We'd have been better off paying for private insurance. I thought the employer was supposed to help with costs, not choose a plan that was cost-prohibitive for the average employee.
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Quote:

Originally Posted by lilgreen View Post
So, what happens if you don't have any insurance?? (I'm in Canada)
you don't go to the doctor.

The state has insurance, but at least in my state, unless you are dirt poor and pregnant, you don't qualify. People say that working men should be able to afford insurance
OP's monthly premium? More then I make working 40+ hours in a month.
DH and I both work full time, there is no way that we could afford insurance at all.
 

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Quote:

Originally Posted by lilgreen View Post
So, what happens if you don't have any insurance?? (I'm in Canada)
or you pay everything out of pocket.

my health insurance is ending at the end of the month. I'm getting laid off from my job and I'm going to have to try to get on state health insurance...it's a total pain in the ass, but my only other alternative is to go on dh's insurance, which at this point would cost $300 a month, but is supposed to go up soon.
 

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Have you seen Michael Moore's documentary on health insurance in the US, "Sicko"? I love Michael Moore anyway, but this was his best work since "Roger and Me."


In any case, I am totally with you. We just moved back to the US after living in the United Kingdom for 3 years, and they have such a better health care system. The lack of health care (and the cost) in the US makes me sick.
 

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Quote:

Originally Posted by racie0417 View Post
Have you seen Michael Moore's documentary on health insurance in the US, "Sicko"? I love Michael Moore anyway, but this was his best work since "Roger and Me."

Oooh, thank you for reminding me. I have wanted to watch that one for a while. Love MM!

Most of my family actually live in the states (and I have american citizenship), but we've just never really discussed insurance. I suppose they are all more or less financially comfortable so it's not something they seem worry about. My only understanding is taht it is very unfair and oppressive to people on the lower rungs of the socio-econoic ladder. My father did medical school in Michigan, but couldn't bear to work in the American health care system, so he moved back to Canada. But, I'm always amazed by the specifics of american health care when I learn about them.

And maternity leave! Perhaps we'd better not go there as I'm sure there would be plenty to vent about....

Sorry it's such a stress for many of you. I wish I could help. (I did vote for Obama in the election - we'll see if that helps at all)
 

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I say the same thing to my health insurance company representatives all the time and explain that's why I voted Obama and I can't wait until government starts to regulate them and get their outrageous premiums and co-pays down. The customer service people usually agree with me and have been surprisingly good-natured about it.
Bunch of rats and scoundrels those health insurance execs.

Our co-pays recently went up and now that DH has a back injury we've noticed all the fun little extras you pay for, like with one hospital stay each different person charging a separate co-pay for their service, like anesthesia is a separate co-pay, the hospital stay itself, the blood tests, the surgeon, the x-rays, and on and on indefinitely.

DH's awful county is lowering taxes for its wealthy residents, making them have a huge budget deficit which they are correcting by raising the cost of health care and co-pays for county employees, lowering their wages, and taking away their overtime and their holidays instead giving them unpaid furlough days. All said we're looking at a devastating 10K pay loss next year- perfect timing for a second baby eh? It makes me lose my marbles.
 

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Originally Posted by wobblykate View Post
or you pay everything out of pocket.
Or you declare bankruptcy, in the event of a major catastrophe.

My husband got a flesh eating bacteria from an abscessed tooth. He was three days from his insurance kicking in (90 day waiting period after starting a new job.) Those first three days in the hospital racked up a $60,000 bill.
 

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Or rack up major credit card debit.
We have insurance, despite paying an arm and a leg every month, they cover almost nothing. When DD2 was ill as a newborn, we were left with 20K in medical debt of things they didn't cover, we paid it with credit cards that we just got down to a 0 balance this year. Now DD1's therapies are not covered as well, it's been close to 20K as well for just this year of that for her. Yeah, my child is almost 6, barely can recognize her name and yet getting her help is not covered by anything. Thanks.
: And insurance refusing to cover the portable O2 bottles DD2 needed for 6 months to drive her back and forth to hospitals and appointments, really? How else do you expect her to get there? She was completely dependent on O2, and the medical supply place had to be paid before dropping off more equipment. The pharmacy where one dose of her medication was over 1K, they wouldn't ship unless the bill was paid in advance. The entire system is beyond broken.

ETA: Don't even get me started on maternity, Every cent for my pg's has always been completely out of pocket. Frankly, even if I wanted a hospital birth, we couldn't afford the 15K it would be. A homebirth is a complete steal compared to that, with or without a MW. If we do hire a MW, then it will be another 3,500.00 sigh. Where's that money tree when you need it?
 

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I talked to a doctor who is from Germany but works in the U.S. now and she explained the system more in depth to me. In Germany, 13% of people's income goes to healthcare. People in the U.S. would flip if we did that. Her thoughts were that Americans don't want to pay for healthcare and what it costs unless they are sick. Otherwise, they want it to be essentially free.

I really don't know what to think. However, our insurance is roughly $600 per month, and then has similar coverage to yours. So it sounds like you are getting a crummy deal. I know plenty of people who would complain about $600 a month though, and truly that works out to $200 per person in our 3 person family.

I'm deeply worried about healthcare in this country, but I'm not sure there's a solution there that America will accept since they don't want half their paycheck to go to taxes. In germany its literally 50% coming off of people's checks. I don't know what it is in Canada, but am curious to know.

XOXO
B
 

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Quote:

Originally Posted by BethSLP View Post
I talked to a doctor who is from Germany but works in the U.S. now and she explained the system more in depth to me. In Germany, 13% of people's income goes to healthcare. People in the U.S. would flip if we did that. Her thoughts were that Americans don't want to pay for healthcare and what it costs unless they are sick. Otherwise, they want it to be essentially free.

I really don't know what to think. However, our insurance is roughly $600 per month, and then has similar coverage to yours. So it sounds like you are getting a crummy deal. I know plenty of people who would complain about $600 a month though, and truly that works out to $200 per person in our 3 person family.

I'm deeply worried about healthcare in this country, but I'm not sure there's a solution there that America will accept since they don't want half their paycheck to go to taxes. In germany its literally 50% coming off of people's checks. I don't know what it is in Canada, but am curious to know.

XOXO
B
right on, Beth....

That is what's been irking me. Even with that $1200 monthly premium, If I have a vaginal birth (let's just estimate the cost at $8000) we will have to pay around $2800 for the birth of the baby. $4200 for a c-section (if the cost for that is around $15000).

Doesn't everyone in the US get taxes taken out for medicaid? Not that anyone over the poverty level of income is eligible for it.

We discovered this dirty secret (our projected costs for the birth of our child) when we recently received bills for a meeting with a genetic counselor and a level II ultrasound - all because of a quad scan that I didn't agree to or ask for. It was a mistake made by a worker reading my prescription at a lab, I was supposed to have a platelet count and my AFP 1 levels tested. Now I owe almost $500 because of unnecessary and unauthorized testing.
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I honestly don't have a problem paying $1200/month.... but it's the sub par coverage were getting for an insane monthly premium that really ticks me off.

Seems like it's time to look into a better way for DH and I to do this instead of just taking what his company provides to us. There MUST be a better way.... god - I sure do hope so!
 

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Quote:

Originally Posted by momma2be_k View Post

Seems like it's time to look into a better way for DH and I to do this instead of just taking what his company provides to us. There MUST be a better way.... god - I sure do hope so!
Private insurance sucks as well. That is what we have, we are completely stuck because unlike company policies, private insurance can pick and choose who to accept. My DC were born after we had gotten our policy, but they wouldn't accept them now if we were enrolling because they have known health issues. We've tried to switch before, but are not able to. Or they will take us, but only with riders, like for DD2, they will refuse to cover any respiratory related issue for 5 years, or similar.
 

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it kills me that the American "collective contentiousness" is so dead set against health care like Canada (I love you Canadians, but this next part is true) I feel like Americans hear the Canadians complain about things being slow or having to come to the states for some things. I'm sorry Canada, but to the Americans with out health care AT ALL, that's like complaining your BMW isn't shiney enough to a man at a bus stop.


Plus, we're not allowed to talk about the "S" word in the states either

Socialism
 

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Quote:

Originally Posted by kriket View Post
it kills me that the American "collective contentiousness" is so dead set against health care like Canada (I love you Canadians, but this next part is true) I feel like Americans hear the Canadians complain about things being slow or having to come to the states for some things. I'm sorry Canada, but to the Americans with out health care AT ALL, that's like complaining your BMW isn't shiney enough to a man at a bus stop.


Plus, we're not allowed to talk about the "S" word in the states either

Socialism


ITA!

I am blown away by American's arrogance that the way we currently do things is the only "right" way, especially when the system is so obviously broken. And don't even get me started on the fact that while things work for Canada and all of Europe, we insist that it is sub-par, too expensive, or is actually a worse system. When DS was unable to breathe on his own at birth, did the US military hospital he was born at have facilities to care for him? NO.....but the English NICUs (he was at two seperate NICUs--a level II then downgraded to a Special Care Baby Unit) were excellent.
Plus, I was saved from the US military nurses interfereing with my breastfeeding relationship....all my friends had nurses basically tell them why breastfeeding wasn't working. At the NICU in the UK, everyone assumed that breastfeeding was going great....and it did.
 

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$1200 a month is certainly exorbinant. I wonder what you could get on your own?? the issue with private insurance is that they almost NEVER have maternity coverage. I know someone who buys her own insurance and pays $800 just for herself because she needs maternity coverage.

I have mixed feelings about the whole thing. I do feel healthcare is a right, not a priveledge and if you feel that way, you need to pony up some cash. However, I worry about going towards a totally social system because there are some very definent problems with that as well. I consider myself very liberal, but I do not want 1/2 of my paycheck going to the government where it will be largely wasted. In Germany, the bureacracy is SO extreme. Its ludicrous. They have added so much red tape and garbage in the system, its just amazingly inefficient. Meanwhile, the freedoms of the people are slowly being taken away because of a lack of control over immigration by people who conduct honor killings, deny women rights, etc. In Berlin in the last 6 months, they had FIVE honor killings. Because honor killings are a part of their culture, the German government actually gave them HALF of the sentence someone else would get for murdering someone. I firmly believe in Bill Mahrer's statement that we cannot be so tolerant that we tolerate intolerance. For all the money that flows into the German government, I would expect them to make more of an effort to preserve the ideals of a free society where women should be protected from such an action. Not to give a lesser sentence to their killers.

I know I've mentioned a lot of random stuff in this post, but I do believe its related. I guess I would have expected that more taxes, more money into the system, etc. would end up with a better situation for the people. But Germany is a good example of how bureacracy can get out of control and not protect the ideals of freedom.

But I should add that my German doctor friend (who is living in the U.S. working here and knows both systems well) did say that Germany does not have the horror stories of Canada in regards to healthcare. She's heard from colleagues of wait issues, etc. in Canada. She has not seen this to be the case in Germany or France.

XOXO
B
 

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Also wanted to add that I loved Michael Moore's Sicko movie, but you have to take EVERY movie he makes with a grain of salt. He made Canada look like Shangrila. Clearly not the case. No system is without problems.

XOXO
B
 

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Quote:

Originally Posted by BethSLP View Post
but I do not want 1/2 of my paycheck going to the government where it will be largely wasted.
I agree, but a large part of our cheque already goes to the government where currently they are using it to socialize the banks and auto makers. Oh, I'm sorry, loaning the financial and auto companies.


I'm not for socialism, but I do believe that Canada and Europe have FAR better systems then the US when it comes to HC.

Plus, when companies get overly large the gov't tends to put its hands in their pockets and vice versa anyways. I don't believe thats free market either. If it were free market GM would be closed. I live in a GM plant town, I know the repercussions. I still feel this is like taking off a band-aid. We should do it fast. We also have a Honda plant in S. Ohio chugging away. Plus, who lifted a finger when Airbourne started to leave Wilmington? That town was just finally starting to be a decent place to live.
A really cute place too.

Oh! I got a little OT!
 

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Quote:

Originally Posted by BethSLP View Post
I talked to a doctor who is from Germany but works in the U.S. now and she explained the system more in depth to me. In Germany, 13% of people's income goes to healthcare. People in the U.S. would flip if we did that. Her thoughts were that Americans don't want to pay for healthcare and what it costs unless they are sick. Otherwise, they want it to be essentially free.

I really don't know what to think. However, our insurance is roughly $600 per month, and then has similar coverage to yours. So it sounds like you are getting a crummy deal. I know plenty of people who would complain about $600 a month though, and truly that works out to $200 per person in our 3 person family.

I'm deeply worried about healthcare in this country, but I'm not sure there's a solution there that America will accept since they don't want half their paycheck to go to taxes. In germany its literally 50% coming off of people's checks. I don't know what it is in Canada, but am curious to know.

XOXO
B
13% for insurance would be a steal compared with what we are currently offered through Dh's job which would be 40% of his gross income to insure our family...we can't afford that, I don't know who could. Luckily our state system is great compared with many others.
 
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