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[OM] WAS Re: OT: Concerns - now Food for thoughts

Subject: [OM] WAS Re: OT: Concerns - now Food for thoughts
From: Philippe <photo.philippe.amard@xxxxxxxxx>
Date: Tue, 6 Dec 2016 08:03:28 +0100
https://en.wikipedia.org/wiki/List_of_countries_by_life_expectancy
(look for line 31 in the table, and above ...)

and 


https://epianalysis.files.wordpress.com/2012/07/2012-07-17-03-31-04-pm1.png


Amities
Philippe



Le 6 déc. 2016 à 07:27, Scott Gomez <sgomez.baja@xxxxxxxxx> a écrit :

> That sucks. But it isn't the fault of the ACA.
> 
> Does the employer paid portion for health and welfare include things other
> than just health insurance?
> 
> I really don't see why anyone in the USA doesn't see the benefit of having
> a single-payer healthcare system like the majority of other western
> countries.
> 
> We retired to Mexico. If we're in the states, we get medicare coverage,
> just as anyone else, at the same prices as anyone else. But frankly, Mexico
> has a better deal for health insurance, even though we're only legal
> residents, not citizens.
> 
> You really don't want to know how low the cost is.
> 
> But here's a comparison, from the dental side: My dentist here is young,
> well credentialed, (attractive, too, but that's just a bonus) and has a
> state-of-the-art office and equipment. Total cost, with no insurance
> involved, to replace two old fillings and do a new one, including x-rays,
> was about $140 (and I might be misremembering that, and guesstimating too
> *high*). X-rays were made on the spot, using digital equipment connected to
> her laptop. By comparison, the dental insurance, alone, through our jobs,
> was $100/month (for two of us) and only covered a portion of the costs of
> approximately $300/filling (but one x-ray was free, big whoop). My wife had
> a dental action plan in the US, designed by her dentist there, for a fair
> amount of work. It could be accomplished here for less than the annual
> insurance premium alone in the US, which is why we cancelled our dental
> insurance there well before retirement.
> 
> In general, most medical care here in Baja is excellent. Drug prices are
> very low, prescriptions aren't required for many things where they *are*
> required in the states. Surgical care is comparable enough that people in
> southern California are known to take "medical vacations" to border towns
> to get surgeries performed at a fraction of the cost of the states, plus
> stay in a great hotel while they're recovering.
> 
> But those are the evils of socialism, y'know. :-)
> 
> On Mon, Dec 5, 2016 at 3:38 PM Ken Norton <ken@xxxxxxxxxxx> wrote:
> 
>>> Sorry for the cost. I am curious: Is that an employer-provided plan or
>>> exchange-provided? The former isn't ACA (although must be, at minimum,
>> ACA
>>> compliant), the latter is ACA.
>> 
>> Employer-provided. The package is so bad that the VP of HR got canned
>> last year as a result. Unfortunately, the new VP didn't fix it and
>> it's even worse. And for 2017, we made some adjustments to our own
>> selection, so family deductible is $12,000 before insurance kicks in a
>> dime.
>> 
>> So, I just looked at my benefits information. As 2016 isn't complete
>> yet, I have to bop back to 2015 as a guide. The employer portion for
>> health and wellness was $14,651. My contribution was $4325. For 2016,
>> my contribution has increased to $6561. So, JUST for insurance, this
>> family of four is paying over $20,000 (yes, it's part of my pay
>> package so I'm paying for it). Our out-of-pocket, so far is almost
>> $5000 and not a dime of insurance has been paid yet, as we haven't
>> even hit a deductable.
>> 
>> I was careful not to count the HSA dollars in there as that's factored
>> into the out-of-pocket side of things.
>> 
>> So, yes, 2016 is on target to being a $25,000 medical cost year and
>> insurance hasn't paid one single dime. And we've been pretty healthy.
>> 
>> I'm not feeling too kindly at this moment. That congress made a big
>> deal out of some female college student who wanted free birth control
>> pills makes me a bit angry when I see how much I'm paying and getting
>> nothing. The only way to look at this is that we have catastrophic
>> coverage and that's it.
>> 
>> AG
>> --
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>> --
> ---
> Scott
> -- 
> _________________________________________________________________
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> 

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