Ask Lemmy

idk, maybe im just fucking insane, but like, i can't run the numbers for insurance to make sense.

Unless the courts are LITERALLY broken, or the entire society will collapse without the presence of insurance, i don't think it makes much sense.

Healthcare maybe, if it worked, it doesn't though. Life insurance is fucking stupid unless you work in an dangerous job and have a family, it might be useful then, but only when you die. Car insurance is only legally required because people driving cars can't accept their own responsibility of owning a fucking car. (you could argue it's for the public good, but lets be honest, it's not) home/building insurance might make sense if you live in a suburban home and your contract doesn't change, or like actually covers what it should.

There are more insurances but i feel like you'd be a fucking dumbass to even consider those. Insurance for your business? My brother in christ this is why we invented LLCs.

I work at a large, private university health system.

Annual up front cost for insurance is $4967 for medical insurance and $609 for dental. Those cover me, my wife, and two of my three children. The insurance is a plan funded by my employer, but managed by Independence Blue Cross, AKA "Personal Choice".

There are three "tiers" of coverage.

First tier is for facilities that are part of my employer. Generally, for procedures performed at my employer's facility there is no additional charge. For a primary care provider who is part of my health system, there would be a $20 copay per visit. Specialist would also be $20, and an ER visit would be $200.

There is an "in network" tier, made up of external providers that accept personal choice. Primary care copay is $35, specialist is $50, ER $200.

The third tier is "out of network". If we see someone out of network, we would have to pay them directly, then try to get partial reimbursement from insurance.

There's also a prescription plan, but we get a discount by using the hospital's outpatient pharmacy.

Everyone always talks about the cost to give birth. All three of my kids were born at the hospital where I work, and none of the births cost us any additional money.

Here's my anecdote. I have Kaiser through my employer and pay about $200 a month for the best plan offered. I pay $10 for a 30 day supply of generic medication. Video/phone visits are free. I recently had to get lab work done twice and paid $90 combined for both, but I was able to just drop by whenever was convenient for me and was in and out in 10 mins. I had a mental health crisis last year and went through weeks of intensive outpatient group therapy plus months of ACT/DBT therapy all for free. My individual therapist is covered and I pay nothing. I recently had a physical exam, it was covered. Now I do have an autoimmune disorder that I do feel a bit neglected a bit by them, but I could advocate for myself more.

So from a non major life threatening emergency perspective, I feel pretty satisfied with my insurance.

Going to make another post here, because I want to explain that American's aren't entirely irrational with our health care.

I spent time in the UK and the US, and I have to say that FOR ME, my personal, EXTREMELY privileged situation - The US healthcare system is better than the UK NHS. I say this knowing that if I lose my job, or I get a major illness, that could quickly change.

I pay a reasonable percentage of my paycheck for health insurance. I live in a mid sized town, in reasonable driving distance to several major cities, and the company I work is the single largest employer in the area, which means every doctor in this area is "in network" and I don't have to do any extra paperwork for medical billing.

If I need an MRI for a sports injury, I can get it within a day or two. If I need a CT scan because something unusual comes up on a test, I can get it the same day. If I need surgery for just about any injury, it'll be done within the week. If I need to talk to an expert, I can drive about 2 hours and get an appointment probably within a month (or less if it is an emergency.)

I will pay $0 additional out of pocket for any of the above.... AGAIN, ASSUMING MY SITUATION DOES NOT CHANGE.

My employer, who spends quite a bit on this insurance, very much enjoys this setup. They are the reason that I have this insurance, and I will lose it if I quit.

For me, I recently got a checkup and some blood work done. It came out to free, I didn't have to pay anything.

I also have pretty good health insurance.