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Cosmic Web
Jan 11, 2005

"Stand and deliver, that my hamster might have a better look at you!"
Fun Shoe
gently caress, I'm sorry for your mom.

I spent a chunk of my teens in the US and the first time I thought ''something is seriously wrong with this country'' was when my mother got rushed to the hospital because of abdominal pain. They wouldn't lift a finger to treat her appendicitis until they $1000+ were paid upfront. That poo poo is unthinkable of in Germany simply because health insurance is mandatory and they'll always pass the medical bills directly onto your insurance unless you enter a privately-run institution.

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Cosmic Web
Jan 11, 2005

"Stand and deliver, that my hamster might have a better look at you!"
Fun Shoe

Raspberry Jam It In Me posted:

if you don't want to go the basic insurance route, you can leave the solidarity system and go buy a free market insurance policy. that's basically what you have in the US. better service, but also free market fuckery and insecurity.

It's not only engineered for the rich. There's that hosed-up footnote that results in a state sponsorship of private insurances.

Once you've been declared a civil servant for life, the state forces you to leave the solidarity system because it doesn't pay the usual employer's contribution to your healthcare (7.5% of your pre-tax income). Instead, they pay you back 50% of all medical expenses when you send them your medical bills. That way, the state apparently saves money by not having fixed monthly healthcare expenses for civil servants.

I loathe being privately insured, but when I had to choose between either paying 260 Euro/month for a private insurance that provides for the remaining 50% coverage or paying a whooping 15% of my pre-tax income to the public insurance (with fewer services provided), the choice was clear.

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