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nfotiu · 05-25-2005, 07:50 AM

I pay $180US/month for my wife and I, and my company pays $563/month. This is for pretty much the best coverage out there. Keep in mind I still have to pay $20 for every doctor visit, and some things are only 90% covered up to a certain amount.

I went through the quote generater here for people who don't get coverage through work, and it comes out to: $41/month for $5000 deductible and 80% coverage to $189/month for 0 deductible 80% coverage. Basically with either of these plans, you end up with a $50,000 bill or more if you get a major hospital procedure. I had my appendix out here, and the total bill was $80,000. If I had one of those insurances, I would be stuck with up to $21,000 in bills. A family of 4 ranges from $254 to $1100 depending on deductibles.

Also if you end up in the hospital in the US, be prepared to spend the next year of your life fight with hospitals/anestheoligists/surgeons/medical supply companies (my appendectomy resulted in bills from 15 different organizations) and your insurance company as they fight about what the fair cost is. Then you have to fight with the credit bureau's as they put everything on your credit report even though it was the insurance companies fault for being late. Not a fun experience. I'll take Canada's system.

05-25-2005, 07:50 AM	#4
nfotiu Franchise Player Join Date: May 2002 Location: Virginia Exp:	I pay $180US/month for my wife and I, and my company pays $563/month. This is for pretty much the best coverage out there. Keep in mind I still have to pay $20 for every doctor visit, and some things are only 90% covered up to a certain amount. I went through the quote generater here for people who don't get coverage through work, and it comes out to: $41/month for $5000 deductible and 80% coverage to $189/month for 0 deductible 80% coverage. Basically with either of these plans, you end up with a $50,000 bill or more if you get a major hospital procedure. I had my appendix out here, and the total bill was $80,000. If I had one of those insurances, I would be stuck with up to $21,000 in bills. A family of 4 ranges from $254 to $1100 depending on deductibles. Also if you end up in the hospital in the US, be prepared to spend the next year of your life fight with hospitals/anestheoligists/surgeons/medical supply companies (my appendectomy resulted in bills from 15 different organizations) and your insurance company as they fight about what the fair cost is. Then you have to fight with the credit bureau's as they put everything on your credit report even though it was the insurance companies fault for being late. Not a fun experience. I'll take Canada's system.