Reply to Your family would be richer if you lived in Germany...

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Inheriting debt from someone else you are related to would suck more than the toilet.[/quote]

Creditors here routinely go after family of people who died with debt. Happens all the time. [/quote]

In Germany, the government collects.  They will seize your house to pay your parents asssisted living bills.  This idea that the govt of Germany has a single payer healthcare system is a perplexing myth.  [/quote]

It's no myth.  They have universal healthcare that covers the core healthcare services, plus private insurance that extends it.

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Yes, but its not like the British NHS system. The idea that Germans pay nothing beyond their tax $ for healthcare is a total falsehood.  Germans carry a ton of insurance bc the basic healthcare services are very basic-- open bay hospital beds, etc.   [/quote]

Even so, their healthcare costs are vastly cheaper than ours, for an excellent standard of care.  And, German doctors make an excellent living as well.[/quote]

Yeah, overall that is true.[b] But people on this site have good coverage for cheap.[/b]  Top employers in the US have both excellent healthcare and high salaries.  [/quote]

20k in premiums is cheap for one adult and one kid? 75% paid by my employer and considered part of my total compensation with 25% paid by me? That's just health insurance, not dental or vision. On top of that, I have a 2500 FSA for health costs like OOP dental and vision (contacts for me glasses for both), period products, band aids, medications, etc.

My kid sees the pediatrician 1x per year for annual and sick visits as needed (2-3 per year). I see 1x annual PCP (actually not even that recently but I do get all my preventative screenings), 1x year well woman's GYN, and 3x year endo.

No ER visits. Urgent care only when PCP is closed but we utilize telehealth as a first option when available. The most expensive procedures in the past 5 years have been: in-hospital allergy testing, surgery for fibroid removal, and my c-section plus postpartum room.

100,000 in premiums over the 5 years and I doubt my insurance plus my cost combined has equaled 50-75k paid (referring not to BILLED charges but actual payments). 
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