6 ms·

Crazy right? Here in europe they just tell me that my medication isn't covered and I have to pay the whole price for it - if I don't like it, I can switch the g

Crazy right? Here in europe they just tell me that my medication isn't covered and I have to pay the whole price for it - if I don't like it, I can switch the government and move somewhere else.

pavlov 2y ago
It’s not like you can just switch insurance companies in the US. Most people have healthcare coverage through their employer.
- baggy_trough 2y ago
  [flagged]
  - PhasmaFelis 2y ago
    A lot more. More than the majority of people are able to.
    - deleted 2y ago
      [deleted]
    - baggy_trough 2y ago
      I'm skeptical of that claim. Of course, they'd prefer not to pay more.
      - PhasmaFelis 2y ago
        You can do your own research on how much disposable monthly income the typical low-to-middle-class American has, and how much good (i.e. significantly better than employer-provided) insurance costs.
  - dfxm12 2y ago
    Only under very special circumstances and at one time of the year. Claiming you can switch without qualification like this is disingenuous.
    - baggy_trough 2y ago
      [flagged]
      - saxonww 2y ago
        Are you aware of any health insurance plans in the US which don't have an open enrollment period? I think this is standard across the industry as a check against adverse selection, but most of the information quickly available is ACA-focused, where it's definitely a feature; since open enrollment is extremely beneficial to insurers, I wouldn't imagine them talking up alternatives. It's true that there is a list of qualifying life events that let you change or acquire insurance outside of open enrollment, but none of them look like "because I don't like my insurer" to me.
        baggy_trough 2y ago
        Even if open enrollment periods are universal, the statement I reacted to is still false (the "and" should be an "or"). Having to wait between zero to 12 months to change insurance plans is a barrier, but a small one compared to the inability to change plans at all, as in a nationalized health scheme.
        Spooky23 2y ago
        It’s a false choice, as individual plans are always worse by their nature.
        wormius 2y ago
        You make it sound as though you're forced to take nationalized health care. "Almost all European countries have healthcare available for all citizens. '''Most European countries have systems of competing private health insurance companies''', along with government regulation and subsidies for citizens who cannot afford health insurance premiums." They are probably more expensive than the government plans, but same is true in reverse in the US. One helps the poor more, and makes sure those who can afford still have an option, the other makes those with good jobs, and get paid well having good care, and costing the poor who can least afford it, far more in terms of their capacity to pay. You're just wrong on this, and trying to be cute with boolean logic is ... "cute".

Crazy right? Here in europe they just tell me that my medication isn't covered and I have to pay the whole price for it - if I don't like it, I can switch the government and move somewhere else.

pavlov 2y ago

It’s not like you can just switch insurance companies in the US. Most people have healthcare coverage through their employer.

baggy_trough 2y ago
[flagged]
- PhasmaFelis 2y ago
  A lot more. More than the majority of people are able to.
  - deleted 2y ago
    [deleted]
  - baggy_trough 2y ago
    I'm skeptical of that claim. Of course, they'd prefer not to pay more.
    - PhasmaFelis 2y ago
      You can do your own research on how much disposable monthly income the typical low-to-middle-class American has, and how much good (i.e. significantly better than employer-provided) insurance costs.
- dfxm12 2y ago
  Only under very special circumstances and at one time of the year. Claiming you can switch without qualification like this is disingenuous.
  - baggy_trough 2y ago
    [flagged]
    - saxonww 2y ago
      Are you aware of any health insurance plans in the US which don't have an open enrollment period? I think this is standard across the industry as a check against adverse selection, but most of the information quickly available is ACA-focused, where it's definitely a feature; since open enrollment is extremely beneficial to insurers, I wouldn't imagine them talking up alternatives. It's true that there is a list of qualifying life events that let you change or acquire insurance outside of open enrollment, but none of them look like "because I don't like my insurer" to me.
      - baggy_trough 2y ago
        Even if open enrollment periods are universal, the statement I reacted to is still false (the "and" should be an "or"). Having to wait between zero to 12 months to change insurance plans is a barrier, but a small one compared to the inability to change plans at all, as in a nationalized health scheme.
        Spooky23 2y ago
        It’s a false choice, as individual plans are always worse by their nature.
        wormius 2y ago
        You make it sound as though you're forced to take nationalized health care. "Almost all European countries have healthcare available for all citizens. '''Most European countries have systems of competing private health insurance companies''', along with government regulation and subsidies for citizens who cannot afford health insurance premiums." They are probably more expensive than the government plans, but same is true in reverse in the US. One helps the poor more, and makes sure those who can afford still have an option, the other makes those with good jobs, and get paid well having good care, and costing the poor who can least afford it, far more in terms of their capacity to pay. You're just wrong on this, and trying to be cute with boolean logic is ... "cute".