Well, the health system is great, as long as you don’t get sick. Or need life-saving emergency care immediately.
But not for many things in between.
Example ADHD: The GP can write a referral to get diagnosed, for free, but no psychiatrist or psychological therapist (the only ones allowed to do that) will take you. So best bet is to pay out of pocket in a practice that does it over video and is recognised in Germany. Can be done under 1k EUR that way, at least (~ 2k EUR with a private, out-of-network therapist). Recurring prescription and private doctor is about EUR 150 per month; a therapy session costs EUR 200. It is absolutely realistic to get the prescriptions and meds covered by a doctor in the insurance network, though. Therapy through insurance is also a possibility if it’s not urgent and you don’t ACTUALLY have ADHD or depression so you can do many phone calls, like 6 - 12 months, and you don’t care who treats you.
Glasses are also not covered, e. g. workplace glasses > EUR 500 out of pocket. But, randomly, a write-off. Treatment by a homeopathic practitioner - covered, just for the lulz.
But yes, about to die within 48 hours? As long as you can convince them that this is the case (got to self-diagnose and be a persistent ass if it’s not obvious), you’ll get help, it might be at a very decent level even compared to many other 1st world countries, and it’ll be completely covered by insurance.
Also, the monthly premium is EUR 1100 (includes nursing care insurance; there isn’t much nursing happening either way though). Employer pays half, freelancers pay full. It’s not legal to quit and be “uninsured”. Also, you can have it lowered if you can prove that you make under 66k per year (to 19 % of income).
Oh, and only the insurance premium is a tax write-off. What you have to pay out of pocket (talking about treatment that your GP deemed essential, not dental bleeching) is paid for by your net income.
Some other random things also work out within a month and are covered, such as a quick eye checkup, dental checkup / very basic dental filling (pay out of pocket for most filling materials, but not the time), anything a GP or family doctor can do in 10 minutes.
We don’t have the right to just quit the system entirely, and that’s a problem. That way, I pay the 1100 monthly premium and still nearly everything out of pocket.
The German system is far superior when you need immediate life-saving treatment AND are very very poor. Appendicitis, arm chopped off, cancer - they’ll save you, and it costs nothing.
Something that will probably kill you in the next 8 years, or a curable condition like depression that makes you unable to work for years? No chance for treatment with coverage, but got to keep paying the premium anyway. Well, if unable to work, it’s free, but you will not get your depression treated anytime soon.
Germany.
Well, the health system is great, as long as you don’t get sick. Or need life-saving emergency care immediately.
But not for many things in between.
Example ADHD: The GP can write a referral to get diagnosed, for free, but no psychiatrist or psychological therapist (the only ones allowed to do that) will take you. So best bet is to pay out of pocket in a practice that does it over video and is recognised in Germany. Can be done under 1k EUR that way, at least (~ 2k EUR with a private, out-of-network therapist). Recurring prescription and private doctor is about EUR 150 per month; a therapy session costs EUR 200. It is absolutely realistic to get the prescriptions and meds covered by a doctor in the insurance network, though. Therapy through insurance is also a possibility if it’s not urgent and you don’t ACTUALLY have ADHD or depression so you can do many phone calls, like 6 - 12 months, and you don’t care who treats you.
Glasses are also not covered, e. g. workplace glasses > EUR 500 out of pocket. But, randomly, a write-off. Treatment by a homeopathic practitioner - covered, just for the lulz.
But yes, about to die within 48 hours? As long as you can convince them that this is the case (got to self-diagnose and be a persistent ass if it’s not obvious), you’ll get help, it might be at a very decent level even compared to many other 1st world countries, and it’ll be completely covered by insurance.
Also, the monthly premium is EUR 1100 (includes nursing care insurance; there isn’t much nursing happening either way though). Employer pays half, freelancers pay full. It’s not legal to quit and be “uninsured”. Also, you can have it lowered if you can prove that you make under 66k per year (to 19 % of income).
Oh, and only the insurance premium is a tax write-off. What you have to pay out of pocket (talking about treatment that your GP deemed essential, not dental bleeching) is paid for by your net income.
Some other random things also work out within a month and are covered, such as a quick eye checkup, dental checkup / very basic dental filling (pay out of pocket for most filling materials, but not the time), anything a GP or family doctor can do in 10 minutes.
That…sounds much worse than what I or anyone in my immediate family and friend group have in the US.
We don’t have the right to just quit the system entirely, and that’s a problem. That way, I pay the 1100 monthly premium and still nearly everything out of pocket.
The German system is far superior when you need immediate life-saving treatment AND are very very poor. Appendicitis, arm chopped off, cancer - they’ll save you, and it costs nothing.
Something that will probably kill you in the next 8 years, or a curable condition like depression that makes you unable to work for years? No chance for treatment with coverage, but got to keep paying the premium anyway. Well, if unable to work, it’s free, but you will not get your depression treated anytime soon.