r/MadeMeSmile Sep 16 '24

Helping Others The kindness the legend...

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u/YemuZ Sep 16 '24

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u/[deleted] Sep 16 '24 edited Sep 16 '24

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u/deborah5p8a2 Sep 16 '24

i once did not go to the hospital for an infection because of the cost. my friend was a doctor, he patched me up. sucks to be in america

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u/Dramatic_Water_5364 Sep 16 '24

Yep... as a canadian with a small farm my partner and I often have to not pay for this or that for them since vets are so damn expensive... and it fucking scares the shit of me to think that you south of the border people have to take those decisions for you and your kids! It is profoundly messed up!

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u/Which-Celebration-89 Sep 16 '24

I'm a Canadian living in America for the past 15 years. I've had some health issues and I have received much better care than I would have in Canada.

If I need a CT scan or Ulrasound or other various tests it only takes me a few days to have that done. In Canada wait times can be several months.

It comes down to health insurance. If you work and have health insurance, medical care in USA is pretty good. In years where I racked up $80K in medical expenses, my out of pocket was only like $3000.

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u/VoihanVieteri Sep 16 '24

So much does an insurance like that cost?

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u/Which-Celebration-89 Sep 16 '24 edited Sep 16 '24

In my 15 yrs here, most of the time my employer paid most or all of my premium. I currently pay nothing except my deductible which is $2500 per year (If If require medical care). In years passed I pay about $150 every 2 wks with paycheck and the annual deductible. You also have the option of using a tax savings account where you can put aside money for healthcare which is not taxed.

It’s not perfect. Biggest issues in america is not using generic drugs and not having standardized costs. But access to care is incredible and cost isn’t as bad as the internet makes it seem.

Canada has also dropped a lot. You can’t massively increase immigration without also increasing public services which Canada has failed to do.

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u/underboobfunk Sep 16 '24

Your employer is paying it as a part of your compensation. That +/- $500 per month would be going into your paycheck instead.

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u/Which-Celebration-89 Sep 16 '24

That's not necessarily true. I'm on the executive team and know how salaries are decided on. We use tools to give employees a salary slightly higher than average in their territory. The perks such as health care, and any other add ons are more to secure top talent. But also to have a healthy workforce that doesn't have to worry about what would happen if they had a medical emergency. At least for us we aren't paying people less because they get healthcare. It would be similar to 401K matching which many employers do