Path: csiph.com!fu-berlin.de!uni-berlin.de!individual.net!not-for-mail From: Joerg Newsgroups: de.sci.electronics Subject: Re: Wer kennt "Kristalloden" ;-)? [OT] Date: Fri, 5 Feb 2021 14:39:44 -0800 Lines: 67 Message-ID: References: <1gypbcbjz45jz.dlg@news.bartheld.net> Mime-Version: 1.0 Content-Type: text/plain; charset=utf-8; format=flowed Content-Transfer-Encoding: 8bit X-Trace: individual.net 4Lin84AkLsoD58hxkLBXAgcYQyzFagJqIBiPdg2AeyN8UFgnWA Cancel-Lock: sha1:Ide+SAAtSVvJCpy2HQWkk/joIYU= User-Agent: Mozilla/5.0 (X11; Linux x86_64; rv:68.0) Gecko/20100101 Thunderbird/68.8.1 In-Reply-To: <1gypbcbjz45jz.dlg@news.bartheld.net> Content-Language: en-US Xref: csiph.com de.sci.electronics:299057 On 2/4/21 1:11 AM, Volker Bartheld wrote: > On Wed, 3 Feb 2021 23:24:34 +0100, Hanno Foest wrote: >> On 03.02.21 22:29, Joerg wrote: >>>> Sowas wäre schon für mich der Grund dafür, nicht in den USA leben zu >>>> wollen: Die fehlende soziale Absicherung. >>> Glaube nicht alles, was in Eurem Medien posaunt wird. >> Ich glaub den Leuten, die ich in diversen Chatgruppen habe. Da ist immer >> mal wieder einer bei, der ein paar Tage nichts zu essen hat. Ich hab den >> Eindruck, du bist einfach zu gutsituiert, sowas noch wahrzunehmen. > > Meine "Auslandskorrespondentin": > > "[...] Maybe I'll have another steroid shot (2/year max) in December > [because of my back pain...] Or maybe just to have it done this year > while I've already maxed out my medical insurance deductible. The nominal > billing for the [artificial] hip so far is roughly $77K with more to come. > [Husband's heart] valve was over $250K, but insurance covered everything. > Insurance was/is NOT cheap, but [husband] is a cheap bastard and I didn't > want him NOT going to the doc because it would cost a few $hundred. So > far we're ahead of the game as far as premiums go. > > A really weird thing: Medicare tells the doc what he can charge (Bill = > $1K, Medicare will correct that to maybe $220 and the doc settles for > that. Medicare pays 80% of that and the patient pays the remaining 20%. > The 'medigap' insurance that pays that 20% costs roughly the same as the > medicare premium for the 80% IF you agree to pay the first $2300 per year. > Medicare, also >65, siehe unten ... > Xarelto and one other like it [as a post-TEP-medication] are roughly > $10/day here even after the pittance that insurance pays - cheap companies > figure that rat poison is good enough. [Husband] had Afib after the > surgery, so [Cardio-doc] gives him free samples of whatever he gets. > Warum haben sie keinen Medicare Advantage Plan bei einer Privatversicherung abgeschlossen? Die werden ueberall beworben, Zeitungen, Youtube, Fernsehen, ueberall. Ich werde das exakt an meinem 65.Geburtstag tun. Das kostet in unserer Gegend (Sacramento) derzeit $16/Monat extra und man hat dafuer aber Medikamentenschutz. Auch die 20% Zuzahlung faellt dann deutlich milder aus und sinkt oft auf null. > Is everything paid for in Germany? Medicare here pays for 80% of the > NEGOTIATED price, with the remainder being paid by either the patient or > his secondary insurance - which costs more than Medicare! Drugs are a > separate Medicare-related thing. Since we rarely need a prescription I > bought the cheapest plan, the premium for which is still more than what > we'd pay without the insurance. We keep the drug plan in case we need > super-expensive anti-cancer outpatient drugs. Probably not, but it's > easily affordable. [...]" > > Jetzt müßte man noch die Einkommensklasse der Frau kennen - was verdient > man so als pensionierte Ex-Mitarbeiterin einer mittleren Laufbahn im > Rocket Propulsion Laboratory? > Da sollte sie doch intelligent genug sein, das oben erwaehnte zu raffen. -- Gruesse, Joerg http://www.analogconsultants.com/