That being said, I’m not sure how often the average person deals with a bill that they are on the hook for beyond their deductible.
I’m still not sure what average medical costs per person over a lifetime are in the US compared to a Swedish person’s costs if you’re counting the proportion of their taxes that go to paying for national healthcare.
Edit: fixed a typo.
I pay 860€ per month for health insurance, which covers me, my wife, and our two children. There’s no deductible. Everything is covered, except for tooth replacements that are covered only at between 20% and 50% I believe. You’ll never get a bill from a doctor or hospital in Germany, except for those tooth replacements.
The most I’ll pay is a small copay for drugs, usually about 5€, but only for adults — drugs for kids are covered 100%.
Probably a bit simplified, but the above has been my experience so far (I’m 40).
No deductible for in-network care, usually just some small copays of $20.
Is this supplemental insurance to national healthcare or the standard cost based on your income?
FWIW, there’s no notion of “in-network” or “out-network” here.
2 months later she gets a bill for $500. Sorry your doc was not in network for that particular question. Insurance covers $0