240

How much do Americans actually pay for healthcare? (pawb.social)

submitted 3 months ago by savvywolf@pawb.social to c/asklemmy@lemmy.world

215 comments fedilink hide all child comments

Hey all, I'm British so I don't really know the ins and outs of the US healthcare system. Apologies for asking what is probably a rather simple question.

So like most of you, I see many posts and gofundmes about people having astronomically high medical bills. Most recently, someone having a $27k bill even after his death.

However, I have an American friend who is quick to point out that apparently nobody actually pays those bills. They're just some elaborate dance between insurance companies and hospitals. If you don't have insurance, the cost is lower or removed entirely. Supposedly.

So I'm just asking... How accurate is that? Consider someone without insurance, a minor physical ailment, a neurodivergent mind and no interest in fighting off harassing people for the rest of their life.

How much would such a person expect to pay, out of their own pocket, for things like check ups, x rays, meds, counselling and so on?

you are viewing a single comment's thread
view the rest of the comments

[-] dingdongmetacarples@lemmy.world 9 points 3 months ago* (last edited 3 months ago)

For a real example, my 10 year old swallowed a button battery (yes she should know better). Of course we went to the pediatric ER immediately. She was seen by a doctor, got some X-rays, then puked the battery out. She's totally fine. In the end I'm paying about $2000 out of pocket for that. That's on top of the monthly premiums I and my employer pay.

My premiums are about $280 per month for health, dental and vision for me and my kids. Premiums are pre-tax so there's a bit of savings there. My employer pays about $1100 per month on top of what I pay. My wife is on her employers plan because they would charge about triple that for all of us to be in the same plan. that's about $100 per month for her.

On top of that I have a special pre-tax savings account for health expenses only called a Flexible Spending Account, which helps a bit but it's kinda silly and not very flexible. I have to determine at the beginning of each year how much I might spend that year, then that amount will be taken automatically out of my checks. If I don't spend it all, it's gone.

I really recommend this video to understand (or not) the complexity of the US health care system https://youtu.be/-wpHszfnJns?si=Wi48w7TCkETdIUQQ

[-] BonesOfTheMoon@lemmy.world 3 points 3 months ago

That's heinous.

[-] dingdongmetacarples@lemmy.world 3 points 3 months ago

Yea, I didn't even go into how much my wife's nephrectomy cost.

this post was submitted on 13 Aug 2024

240 points (98.4% liked)

Ask Lemmy

27042 readers

1340 users here now

A Fediverse community for open-ended, thought provoking questions

Please don't post about US Politics. If you need to do this, try !politicaldiscussion@lemmy.world

Rules: (interactive)

1) Be nice and; have fun

Doxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can't say something nice, don't say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. Please familiarize yourself with them

2) All posts must end with a '?'

This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?

3) No spam

Please do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.

4) NSFW is okay, within reason

Just remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either !asklemmyafterdark@lemmy.world or !asklemmynsfw@lemmynsfw.com. NSFW comments should be restricted to posts tagged [NSFW].

5) This is not a support community.

It is not a place for 'how do I?', type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to Lemmy.world Support or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.

Reminder: The terms of service apply here too.