Roughly how much is medical in America?

Question

I know some jobs you get medical cover included, but how much is a medical cover policy if you are not provided cover through your job? Also, how much is a trip to the docs, day in hospital etc. I know it will vary, but just interested to know really! thanks

I don't know about the rest of you Brits, but I think we should stop moaning about the NHS now!

Answer 1

As you have been given the information, the amount varies, I can only give you the information for my family of 4, living in one of the 10 largest cities in the US and located in the Southwest US, everyone in my family is 50 or under, but I have 2 severe and medical conditions.chronic conditions.

My insurance for my family cost $460 (roughly 228 pounds)per year, and covers all 4 of us. When we see the doctor we pay $12 (6 pounds) per visit. If we need a prescription we pay $3 per medication (1.5 pounds) If we need an ambulance we pay a maximum of $20 per transport (10 pounds) In my case I have one exception, I have a medication which is not completely covered by my insurance, it cost $5000 (2500 pounds per day) and I get it 3 days per month. However, my insurance covers all but $3000 per year.

This insurance is not covered through my job, as I have retired.

An example of my health care costs. I spent 2 weeks being seen at the Mayo Clinic, which is one of the premier medical research and treatment facilities in the world, I saw 7 physicians (some several times) had multiple test, and was seen essentially 5 or more times per day for 5 days a week for 10 days, and had a surgical procedure on the 10th day.

I had to pay $248 (124 pounds).

For this exhorbitant amount of money, I am seen within 24 hours for urgent issues, within 7 days for routine matters and within 30 days for all chronic appointments and referrals.

I have never waited more than 2 weeks a non urgent surgery, and I can get the medications not preferred by my insurance if I pay $9 per prescription, $21 for some extremely expensive medications.

I am quite happy with the health care I receive in the US.

The main issue in the US is that 68% of the people are covered under insurance, and they do not want to pay higher taxes to have less access and decreased choice in their health care. 32% of the people are under or uninsured, however, there are services provided in most cities and counties through the county hospital system where they get their medical care based on their ability to pay, and the residual is covered by any profit the hospital makes off insurance payments and tax payments. Those who have an ability to pay, but choose to be uninsured, the hospital, will decide if their property can be seized to cover the cost, or their wages can be garnished.

I have worked in the US healthcare system for over 30 years, and have worked with many physicians who have moved to the US from the UK or Canada because they preferred not to work under the NHS.

Answer 2

If your not earning a whole bunch too much, aka poverty line, emergency hospital/dental, is without charge in California. However first you gotta make the claim within 72 hours of receiving emergency treatment " ER/AE" , prove your a real looser. Then sign a stack of legal paper stuff, which basically you promise to pay it all back in full if you ever earn enough or your Granny kicks it and suddenly you show up in Mc Donald's more than once a month, there will be questions asked. Also its bye bye to any Lotto wins as the small print says something about interest rates and probably gratitude also.

Dental must be applied for in advance, the trick is finding a dentist who will make the recommendation, then the state is off on a mission to show your not constituted a crisis.
Anyway this is all dealt with by the C.M.S.P The California Medical Service Program

Answer 3

It's nearly impossible to even provide an estimate because it depends on your age, risk factors, the type of coverage and and the area you'd be living in. I can say, however, that it is expensive. You might be able to find a plan with a low monthly premium but if you do it will most likely cost you in deductible, high copays and coinsurance and may have a lot of exculsions (such as preventative medicine). If you want a policy with no deductible (or at least a low deductible), managable copays and a wide variety of benefits then you will pay a very signifigant amount, more than most can afford.

Answer 4

Medical care in America is extremely expensive, unless you are in the military or if you have an excellent job that offers medical insurance, but then you still have to pay a $50 deductible each time you see the doctor. If you have a car crash and are seriously injured, the ambulance ride will cost you about $3,000, and that's if your pretty close to the hospital already. A trip to the ER for stitches costs anywhere from $1,000 to $10,000. On the bright side, they can't force you to pay for it, and it might not go on your credit report. It don't matter if your poor, if you go to the hospital for anything at all, they would rather let you die if you can't make them rich.

Answer 5

It's expensive. All of it. A visit to a general practioner can cost $1,000 or more if they run tests. A one-night stay in the hospital will cost at least $5,000.

Answer 6

expensive as hell w/o insurance....like 100 and up just for the visit not including the lab work.....with insurance your co pay can range from nothing to 50 bucks a visit

Answer 7

Put it this way, I make sufficient money and there is NO WAY I can afford med. insurance. And the present government feels that the average joe in this country dont need it. If something does happen to me I am screwed. Please pray it don't

Answer 8

It depends how old you are. If you're around 20 and you get it on your own it'll be about $120 a month.

Answer 9

I would say insurance alone is $4000-$6000 per year for a family.

Answer 10

oral surgeons and orthodontists, dominated the government's latest list of the top-paying jobs in America.