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serveace mikelevy's article
Aug 28, 2020 at 20:05
Aug 28, 2020
Field Test: 9 XC Bikes & the Grim Donut VS the Huck to Flat
@rifu: Cost of healthcare varies a bit based on where you live. If you want to go to a better doctor it can be significantly higher. It is also difficult in many cases to determine the cost of a procedure (esp one that you desperately need) before you go through with it. Based on my experience, I'd imagine the cost of that surgery is at least $3,000 if you paid out of pocket. If you aren't careful, you can easily end up at a place where the cost of the x-ray to diagnose that broken bone could cost you a significant fraction of that $700. To give a real-world example: I had a health plan through my employer. My cost per month for my family was around $1300. This got me a health plan with a $4000 deductible (you must pay this much out of pocket before insurance will pay a dime). My employer was a small business and that is the best plan they could afford to get for us. It is not unusual for people in the US to pay this much or more for health plans of similar coverage levels. I tore my triceps playing tennis and hockey and had surgery to repair it. It cost me ~3700. I never even hit my deductible so insurance paid nil. Insurance is nearly useless. About the only thing it protects you from is bankruptcy in case you are unfortunate enough to get cancer or have some other catastrophic incident. Another example: My second child was born via c-section. The deductible is $4000 per family member. As soon as your new child is born, the deductible applies to them as well :). We paid $8000, insurance paid a couple thousand more (I don't remember the exact amounts). The ob we used makes you prepay, so throughout the pregnancy we were paying my wife's portion to the ob ~$400 for each monthly checkup. Then after your child is born you get a wonderful gift of another $4000 worth of bills. We seriously considered dropping insurance and paying out of pocket. Cost of childbirth via routine c-section was estimated at $16,000, without factoring the pediatrician's bills (around $3-5k), but that's a floor - if there are complications it easily can get into 6 figures as specialists are called in, so it wasn't worth the risk. Now, if you work at a large employer, your insurance costs will be much lower as the company will contribute a significantly larger percentage to lower your monthly costs (although you could argue it is nearly equivalent to a tax). It is amazing how many Americans feel this is an acceptable narrative. The system stifles innovation as many small business cannot afford to attract talent they need to compete in the market. Plus it is difficult to start a small business as when you are starting out you may not have the revenue to pay for insurance for yourself, so you take the risk that you and your family will be ok (or you rely on your spouse if they have better insurance).
Jul 19, 2020 at 5:26
Jul 19, 2020
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