I’m all stocked up on water bottles. Don’t know what I’d do with journals.
Once a year Anthem BCBS sends me $50 to do a remote “health review” with a health aide. The questions are stuff like “have you had any unexplained falls” and it takes approximately 15 minutes. I assume that the investment makes sense for them because there are people who never go to doctors, but is there something more nefarious going on?
You get a free “Welcome to Medicare” in-person visit. I need to take advantage of that.
Grateful as always for Japan’s healthcare system. Discovered a skin condition so booked an appointment at the nearby dermatologist and 30 minutes later, I was in the office, in and out within 20 minutes. Exam & Meds about $13.
The next morning, over to the community center for the annual free checkup.
On the other hand, the health insurance isn’t exactly cheap. Paying about $500/month for both me and the wife. But happy to do so.
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LOL yes that’s super cheap.
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Yeah we need to break out the ROFLcopter for that one.
Is it? Don’t know what the going rate is back in the USA right now, but it’s about double what I was paying when I first moved here and about the same as I was paying in the US before I moved 10 years ago, so guess it’s all relative.
It probably varies by state, but in most it’s hard to go much lower than that with an exchange plan without being able to get a Medicaid subsidy.
If you’re talking employer based, that’s a different animal. There is the whole mirage of “employer portion” vs what you pay. It’s artificial. Money that employer is paying for your health insurance is money they could just be paying you instead. If you count the whole amount, even for an individual plan $500/month would be quite cheap.
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I pay just less than 1k for the wife, I and 2 early 20 year olds. Deductible is around 6k and also 20% co pays. I used pay nearly double that only a couple of years ago and we are a healthy family.
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We pay $366/mo for myself, my wife, and our daughter. Deductibles are $250 per person.
Wife and I are both state government employees.
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It’s hard to make direct comparisons for reasons people other than me would be better able to list and explain. But fwiw I will soon pay a little more than that for just myself under Medicare + Part D + Medigap. Before now it was $0, but that was for no insurance at all.
what is the employer portion?
a shit ton. Looks like about $1333/mo for just me (and would be the same for my wife, can’t figure out what the kid costs). That’s the entire medical benefits so medical, dental, vision, and some various long term disability and accidental death coverage.
The only number that matters to me is out of pocket max. What is yours?
$2,000 individual / $4,000 family per calendar
year.
Prescription drugs: $2,000 individual / $4,000
family per calendar year.
I’m going through the renewal process with my company now. I’ll take a picture of rates (it’s based on age) and post them.
I think max out of pocket is 3K for individual and 6K for families.
I’d look at that as $4000 per year for one person with a significant medical condition. Still pretty great to me.
My wife’s medical, dental, vision just more than doubled from last year for us to about $7800 per year for premiums. The good news is it’s $2500 per person out of pocket maximum $0 deductible. I don’t seem to see a prescription deductible in the plan so that seems included.
Yeah, it’s awesome insurance. We’ve been really happy with it, but feel for the folks that struggle with shit insurance at shitty prices.
2644 per month for me, all from employer. Pay 5 per prescription in network, nothing else.
In Japan, for individuals it’s a 30% copay, no deductibles. All medical costs are uniform so you always know how much a treatment or procedure costs no matter where you go. Premiums are based on income level.
For employees, it’s the same, but the premium cost is split 50/50 between employer and employee.