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  • 205 Comments
Joined 23 days ago
Cake day: June 10th, 2025
  • Hadriscus@jlai.lutoAsk Lemmy@lemmy.world•Non-Americans, what's it like when you're sick and need to go to the doctor?
    2·
    5 hours ago

    5000$ deductible ? shit… must make you wonder why you’re insured in the first place. The other big difference is that your insurance is tied to your job. What if you’re unemployed, do you just not get glasses ? or the tooth filling that you need ? what’s the alternative ? if you’re unemployed at the moment, it stands to reason that you would have less earnings… at least 240$/year for dental (or is it dental+vision?) seems more reasonable.

    There will be a day where USians will be able to boast about how good and cheap their coverage is, I’m confident. First the people have to win the revolution for that to happen, but surely it’s something worth fighting for.

  • Hadriscus@jlai.lutoAsk Lemmy@lemmy.world•Non-Americans, what's it like when you're sick and need to go to the doctor?
    3·
    5 hours ago

    It’s all under the same umbrella. I did not know insurance was separated in the US. Back when social security was created after the war (see complete history of its creation helmed by Ambroise Croizat), it was conceived as a single fund for 1.health 2.unemployment and 3.retirement, the idea being that discrimination would be impossible and everyone would chip in for everything. Basically socialism. It was quickly (within a few years, would have to check exactly) split into separate funds, but social security has been pretty sturdy ever since, in the sense that private sharks were kept at bay (compared to the US). This is not the case for retirement funds, unfortunately, which have been shifted to a capitalisation method recently caused by lobbying from fucking blackrock. Anyway, I digress.

    To give you an idea, my private plan is 37e a month and covers 100% of medical acts with up to 540e dental expenses a year, one pair of glasses every two years with a ceiling of roughly 200e (depends on the lens type), hearing aids with a ceiling of 1700e, and 150% on GP appointments if they go over standard rate (home or night visits will do that). Dental covers 150% on prostheses as well, I assume those aren’t fully covered by universal healthcare but I haven’t checked for sure. Anything related to hospital stays is also covered 100%, as well as transport (SMUR, ambulance, etc). Maternity stay is also covered for 12 days a year, but I’m a dude.

    We’re also in the process of in vitro fertilisation and our entire stay overseas is paid for : lodging, transport, and of course the process itself : daily shots and echographies for her, spermograms for me, as well as a few appointments… This one required special request to social security (to attest that there’s an actual possibility of conceiving), and does not involve private insurers at all.

    Thanks for making me peruse all this, I probably wouldn’t have if not to share the info over here.

  • Hadriscus@jlai.lutoAsk Lemmy@lemmy.world•Non-Americans, what's it like when you're sick and need to go to the doctor?
    3·
    6 hours ago

    France

    Most GPs afaik are liberal -they have their own private office instead of working in the confines of a hospital-, and there’s three different possible cost levels, whether or not the GP adheres to what’s called the “convention” with social security (which fixes prices for typical medical acts), adheres partly, or does not adhere at all (pretty rare). Full adherence to the convention means the base consultation costs 30e, and makes sure the patient is reimbursed to 70% of that cost with basic universal healthcare (=you have to pay 10e from your own pocket), the rest being covered by their (highly regulated) private insurance if they have one. I have a pretty standard one at 37e/month which ensures I get reimbursed for pretty much all acts. I am getting treated for a cavity and a fill replacement next week at no cost for me.