Healthcare Sharing Networks - Have You Used One?
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@NetworkNerdWifey said:
Also I think someone asked about the tax thing - yes, we are covered as far as not having to pay the penalty tax. HCSN are allowed under ACA. We have a tax form that we will submit at tax time.
Not worried about the penalty tax... Concerned about the you getting money and not paying taxes on it. Here in Nebraska (and maybe this is federal) you have to report all sources of income. Technically this would be a source of income I would think - but perhaps it's not -it's just so darned weird...
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@MattSpeller said:
http://www.ees-financial.com/calculators/TakeHomePayCalculator.htm
I love how this has a starting salary of $200K. Is that a normal pay in Canada?
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Can an American just fly to these other countries and get healthcare and pay cash? How does that effect those who are waiting for those same surgeries in the country?
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Yes....
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@Minion-Queen said:
Yes....
and the second part of my question? I don't know about Spain, but I have heard that in Germany if you only get the government provided healthcare, and don't care additional coverage, there are long waits for surgical procedures.
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@MattSpeller said:
http://www.ees-financial.com/calculators/TakeHomePayCalculator.htm
Those tax rates (not counting deductions) seem very similar to US tax rates.
Here is the Federal only tax portion. At $100K = 28% At $200K = 33%
For Nebraska it's an additional 6.84% over $27K (individual)
For New York it's an additional 8+% depending on countySo someone in Nebraska pays roughly 34.84%
and in NY pays roughly 36.84%These numbers seem pretty darned close to Canada's numbers.
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@Dashrender said:
@Minion-Queen said:
Yes....
and the second part of my question? I don't know about Spain, but I have heard that in Germany if you only get the government provided healthcare, and don't care additional coverage, there are long waits for surgical procedures.
If you set these things up ahead of time. Also Germany wouldn't be a place you would go either for a health care destination.
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@Dashrender said:
and the second part of my question? I don't know about Spain, but I have heard that in Germany if you only get the government provided healthcare, and don't care additional coverage, there are long waits for surgical procedures.
That's total BS. That's what Americans repeat. Germany do NOT wait for healthcare services. Anyone telling you about waits anywhere outside of the US is flat out lying. It's because just one of those things that they've repeated enough that they think that they can get away with claiming it. It's utterly ridiculous. It's totally unfounded.
Every time someone says that, it's always based on the hope that no one will know how to talk to someone in those countries to confirm it. They say it about Canada and the UK, places known for poor healthcase, and they certainly don't have those problems. Places like central Europe (Germany, France, Spain, Italy, Switzerland) that lead the world in healthcare do NOT have those kinds of problems. Their healthcare is cheap and fantastic.
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@Minion-Queen said:
If you set these things up ahead of time. Also Germany wouldn't be a place you would go either for a health care destination.
Not if you can get to France, Italy or Spain. But if you are an American, Germany is so much better that it looks like Spain by comparison to what you are used to.
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@Dashrender said:
@NetworkNerdWifey said:
Also I think someone asked about the tax thing - yes, we are covered as far as not having to pay the penalty tax. HCSN are allowed under ACA. We have a tax form that we will submit at tax time.
Not worried about the penalty tax... Concerned about the you getting money and not paying taxes on it. Here in Nebraska (and maybe this is federal) you have to report all sources of income. Technically this would be a source of income I would think - but perhaps it's not -it's just so darned weird...
You don't consider NORMAL insurance to be a form of income, right?
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@Dashrender said:
@MattSpeller said:
http://www.ees-financial.com/calculators/TakeHomePayCalculator.htm
I love how this has a starting salary of $200K. Is that a normal pay in Canada?
Sure, that's like minimum wage in the US
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@Dashrender said:
@MattSpeller said:
http://www.ees-financial.com/calculators/TakeHomePayCalculator.htm
Those tax rates (not counting deductions) seem very similar to US tax rates.
Most countries that give free healthcare have taxes relatively similar to the US (if you don't count healthcare cost as a tax, which it is.) If you include mandatory taxes like your health insurance, the US has some of the highest taxes in the world. They keep calling healthcare "insurance" rather than a "tax" to hide how high the taxes are.
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@scottalanmiller said:
@Dashrender said:
and the second part of my question? I don't know about Spain, but I have heard that in Germany if you only get the government provided healthcare, and don't care additional coverage, there are long waits for surgical procedures.
That's total BS. That's what Americans repeat. Germany do NOT wait for healthcare services. Anyone telling you about waits anywhere outside of the US is flat out lying. It's because just one of those things that they've repeated enough that they think that they can get away with claiming it. It's utterly ridiculous. It's totally unfounded.
Every time someone says that, it's always based on the hope that no one will know how to talk to someone in those countries to confirm it. They say it about Canada and the UK, places known for poor healthcase, and they certainly don't have those problems. Places like central Europe (Germany, France, Spain, Italy, Switzerland) that lead the world in healthcare do NOT have those kinds of problems. Their healthcare is cheap and fantastic.
I was speaking to someone who is very well paid in the auto industry in Germany. It's the only reason I was willing to put it here.
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@scottalanmiller said:
@Dashrender said:
@NetworkNerdWifey said:
Also I think someone asked about the tax thing - yes, we are covered as far as not having to pay the penalty tax. HCSN are allowed under ACA. We have a tax form that we will submit at tax time.
Not worried about the penalty tax... Concerned about the you getting money and not paying taxes on it. Here in Nebraska (and maybe this is federal) you have to report all sources of income. Technically this would be a source of income I would think - but perhaps it's not -it's just so darned weird...
You don't consider NORMAL insurance to be a form of income, right?
yeah, that is why I put the 'so darned weird' part in there...
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@scottalanmiller said:
@Dashrender said:
@MattSpeller said:
http://www.ees-financial.com/calculators/TakeHomePayCalculator.htm
Those tax rates (not counting deductions) seem very similar to US tax rates.
Most countries that give free healthcare have taxes relatively similar to the US (if you don't count healthcare cost as a tax, which it is.) If you include mandatory taxes like your health insurance, the US has some of the highest taxes in the world. They keep calling healthcare "insurance" rather than a "tax" to hide how high the taxes are.
That's absolutely true assuming the rest of the setup is as described.
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@Dashrender said:
I was speaking to someone who is very well paid in the auto industry in Germany. It's the only reason I was willing to put it here.
The problem that people often face is that they see a "wait" in their own country and hear rumours that the US has no wait and say that they have a long wait (everyone has some) and don't realize that it is less than in the US (and that they get far better healthcare quality.) It's all relative. They probably wait long compared to France, but not compared to the US.
In England they complain about their healthcare all of the time. It's awful.... unless you compare to the US, then it is great.
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@Dashrender said:
@scottalanmiller said:
@Dashrender said:
@MattSpeller said:
http://www.ees-financial.com/calculators/TakeHomePayCalculator.htm
Those tax rates (not counting deductions) seem very similar to US tax rates.
Most countries that give free healthcare have taxes relatively similar to the US (if you don't count healthcare cost as a tax, which it is.) If you include mandatory taxes like your health insurance, the US has some of the highest taxes in the world. They keep calling healthcare "insurance" rather than a "tax" to hide how high the taxes are.
That's absolutely true assuming the rest of the setup is as described.
I know that I've compared Italy which is a "high tax" country. But the amount that I would have to pay there is quite a bit less than I would have to pay in the US and not only would I leap from "basically third world healthcare" to "second best in the world healthcare" but I'd get free university for my kids too for the deal! Less money, more services. It's several percentage points cheaper.
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@scottalanmiller said:
@Dashrender said:
I was speaking to someone who is very well paid in the auto industry in Germany. It's the only reason I was willing to put it here.
The problem that people often face is that they see a "wait" in their own country and hear rumours that the US has no wait and say that they have a long wait (everyone has some) and don't realize that it is less than in the US (and that they get far better healthcare quality.) It's all relative. They probably wait long compared to France, but not compared to the US.
In England they complain about their healthcare all of the time. It's awful.... unless you compare to the US, then it is great.
I'm not sure who is waiting in the US (assuming they have insurance that covers it). My wife got a diagnosis and had surgery to resolve that diagnosis within 5 days. I'm sure if it would have been needed sooner than that it would have happened faster than that. So what delay do we have for the insured in the US?
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If you have a group health insurance you have to wait a bit here. To get approval then to have the surgery etc. But compared to some countries it's not too bad at all.
Being willing to pay cash for anything no matter what country you are in tends to take that wait time down to nothing.
