this post was submitted on 27 Dec 2024
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US military pays for children hospital?? wtf
In the US, healthcare is too expensive to afford out of pocket, so most people get health insurance from their employer, as an additional benefit. This covers the employee, their spouse, and their children up to a certain age.
In this case, it looks like people employed by the military will be prevented from getting full healthcare for their children, if those children are transgender.
To be clear, employers subsidize healthcare. They don't pay all of it.
A pretty standard rate for a family is $1800/month, with the company covering $1200 of that, and you covering $600.
And then when you need care, anything preventative, like normal checkups are free/covered. If the checkup finds something, it's no longer free. Most plans require you to pay all of it until you reach, say, $8000*. After $8000 in a year, you pay roughly 10%. After, say, $12,000 in a year, all healthcare is covered until January.
The 8k and 12k numbers do not include either the $7200 you pay or the $14,400 your employer pays a year in premium.
So if nothing goes wrong, you pay the minimum of $7200 a year. (And your employer pays $14,400 for you.) If everything goes wrong, you pay $19,200 a year. (And you better hope you don't lose your job for being sick.)
For non-Americans, poster above me is talking about the deductable, co-insurance, and then max out of pocket.
The one thing I'd argue is inaccurate is the 10% co-insurance rate.
If you have an insurance with ONLY a 10% co-insurance, you have good insurance. 25-50% is far more usual.