The more I read about insurance in US, the more it feels strange to me. I know somebody in States and she told me her insurance doesn't cover dental. I just thought, how is it possible at all......
A little about our insurance.
I work in a company and my monthly income is around US $4836. I pay $279 (monthly) for our insurance (me, my wife and my two sons).
If any of us needs any medication, the insurance company will pay %70 of the whole treatment. The bill that I receive and have to pay is the remaining %30.
This insurance will cover everything. CT scan, heart surgery, nerve transplant, flue, headache, car accident, anything. There is nothing as ....your insurance doesn't cover this......... here.
The good part is :
Although I have to pay %30 of any treatment, But there's a maximum limit. At the end of each year I can send the medical bills to tax organization. They calculate and if I have paid more than $744, They pay me back.
Note: This $744 is not the same for everyone. It's a calculated number based by our previous annual income. If someone has less income, he has to pay less. I'm a high rank employee and you can say most of other families have to pay less than me.
Another Note: Transport is free of charge. There's no fee for ambulance, helicopter etc.
Another Note: I work at two companies. I have to pay for insurance in the first one. There's no need to pay again according to my income in the second company.
Last Note: Insurance covers everything as long as it's a treatment. It means I can't use it just to do a plastic surgery on my nose for beauty reasons. If I have a medical problem with my nose and it needs a plastic surgery it's OK. The insurance covers it too. But only for beauty purpose, No I can't use it.
(I promise) Last Note: We don't need to pay more than $600 per treatment. It means if I need a surgery that costs $3000 and stay in the hospital for two weeks and need a lot of drugs and medicine and a lot more that may cost several thousands total, I pay only $600. The rest will be paid by insurance. Again this $600 is calculated based on my previous annual income and will differ for others.