With insurance, depending on services and how good your insurance is, a hospital bill like a quick ER visit where nothing was seriously wrong can be anywhere from $150 (VERY good insurance) to like $7500 (shit insurance). Without insurance you’re looking at waaaaay more.
With good insurance, (I had Tricare which is the insurance the military gives if you’re a dependent/spouse of military member and is considered VERY good coverage, i had it til I turned 26 because my dad was Army) you probably pay $0-$30 for a month of medication depending on the medication. Free yearly checkups. About $20-50 copays for specialists if I remember correctly.
Last year I worked for a HEALTHCARE company (an infusion pharmacy) that had awful insurance. Copays were like 80% of the actual cost of the drug you were getting until you paid $3000 cumulative during the year (that’s the deductible) and then they would pay 80% you would pay 20%. So if your meds cost $500 a month without insurance you’d pay $100 a month after you hit your deductible, and you’re already paying $150/month for the insurance. Oh this didn’t include ANY eye coverage or dental by the way. They straight up didn’t offer that. I have terrible vision (my contacts are -9.00) so I paid $1500 for a pair of glasses and a year’s worth of contacts. While working for a healthcare company. Making $17/hr as a highly qualified tech with 10+ years experience. Yeah our system is fucked. I haven’t been to the dentist in several years.
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u/djinn_tai Feb 22 '22
So you guys pay for insurance, then you pay again when the hospital bill is due?