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Joined 2 years ago
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Cake day: June 1st, 2023

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  • That is correct. Let’s say me and my dad get cancer. We both have health insurance provided by our employers.

    Dad: Initial deductible (cost before insurance kicks in): $10,000

    Max out of pocket (in network): $20,000

    They cover initial treatment but the anesthesiologist is “out of network.” That charge goes to the separate deductible for out of network costs, dad pays $30k total, of a $500k “sticker price.”

    Me: Deductible: $4,200 Max out of pocket: $4,200

    Initial treatment is covered by insurance, no provider listed as out of network. Total cost to me: $4,200 out of a $500k bill.

    Every insurance is different, each hospital will do different things to get extra money, and you have no way of knowing what 1 piece of the treatment is out of network until after you’ve already had the treatment. Our system sucks





  • every company I’ve worked for has a separate pool for each. The usually has been maybe ~5 sick days and 1-4 weeks of vacation based on seniority. The issue is for anything worse than say one good cold a year those sick days aren’t good for much so you either have to use vacation to cover the gap or just lose pay. Things like pregnancy you get Fmla time but that is unpaid so you either burn vacation days or just don’t get paid for say post pregnancy recovery or cancer treatments etc. any European countries in desperate need of truck dispatchers?