Tuesday, February 26, 2013
There are many reasons this didn't work as well as i'd hoped.
I hate whining on a blog that's not supposed to be your personal diary.
Bitching about certain things and ideas is OK, i mean, that's what comedians make their money with, but personal complaints and self-pity for everyone to see -not my thing, i don't want your pity, i hate feeling weak and i hate admitting any kind of defeat. -so if i don't have anything else to say/write about, i just shut up and wait for better times. And so I waited. And waited...
When I came to the states I was scared shitless from the beginning.
I thought it was a bad idea for me from the start, but I believed in my husband and I believed in his friends to help me adjust and there were so many positive stories about life and work here and my qualifications and that people wanted us to be here and help us and wanted to show me things...I wanted to believe.
That's when the first problems started. Now keep in mind this is my personal story:
My health basically sucks. I have more chronic illnesses than I'd wish upon anyone.
But that's alright because we have good health insurance here, right? Right...
We paid more for medication and copay etc than I'd ever imagined.
In Germany you have to have health insurance just to live in the country.
Everyone is insured, everyone is taken care of, no matter if you're unemployed, disabled, have a mental problem or cancer. If you don't have the money for insurance, the state takes care of it. You. Are. Insured.
You never have to worry about health problems that turn into a financial crisis.
If you have a car accident, you're taken care of -no fights with the other persons insurance no fight with your own insurance. Everything healthwise is taken care of and you won't have to fear for losing your home, having no money to buy food or losing your damn job because you're sick (no matter how long it takes).
You don't have to go to work with a broken collar bone because you'd lose your job otherwise.
They want you to be healthy and productive and you can't be productive if you're in constant pain or having problems later on because you didn't let your break/flu/injury heal properly.
You have the best doctors in the world here in the states -if you have the money to pay for them.
In Germany that's not an issue. Basic health insurance is for everyone.-and our basic contains more than US basic!
You don't have to tangle with your provider for every freaking thing you need done. We don't have nurses in a doctor's office that only do paperwork and fight with insurance companies. We don't need labs that take your blood with tests that cost a fortune because of 'legal problems' (or better say: without being scared of being sued to oblivion and ridiculous insurances that cost them a fortune because of said fear).
a blood test i got done in Germany every 3-6 months (because i'm diabetic and i have crohn's) that cost me nothing there and even if i had to pay for it, it wouldn't be more than 200-300€, costs 1600$ here for Christ's sake!
If you need a cat scan or a colonoscopy in the states your doctor has to fight your case with the insurance company and then THEY tell you when and where to go IF you're allowed to have one! And you have to figure out how to pay your copay.
In Germany doctor's don't order a big procedure just because they feel like it, they order it because it's NEEDED and the insurance has to cover it, end of story.
And if you don't like your doc, choose another one(and that counts for primary physicians as well as obgyns and other specialists, you choose, your insurance doesn't choose for you).
In Germany you have 5-10€ copay to your medication, tops. They even stopped doc visit co pays altogether in 2013, but before that it was 10€ to your primary and if you didn't have a referral it was 10€ to your specialist -per term,as in every 3months, NOT per visit!
-If your yearly copay is over 2% of your income, you can even get a free pass.
You get yellow slips from your doctor that exempt you from work if you're too sick or too contagious to work and by law you have to stay home, no employer can make you go to work if they got a yellow slip from you -and they can't fire you either (and they get reimbursed for paying your wage in that time, so there's no loss).
Here you have to take vacation days if you get a procedure done or you have to go back to work although you just got needles stuck into your eyes!
And every time you see a doc, it's 20,30,40,50$ a pop(=every.single.time.you.go.there) depending on your health insurance.
And still there are people who begrudge a general health insurance in the states?
People suffer, good law abiding working people have to borrow money from their friends and families for crucial medication and have to do crowdfunding to get enough money for vital treatments,
and still people think there's nothing wrong here?
How many people with mental health problems end up on the streets because they couldn't afford therapy?
So I met all my new doctors($), got blood tests done($$), had a colonoscopy($$$), got the crohn's disease angle checked and confirmed($$), finally got a prescription for it($$$ jupp, that much),
found out after months of suffering through 'mosquito attacks'in the summer that I was just allergic to the medication($$), got new stuff($$), outlasted the itch and rash and pingpong-reaction with other illness etc($$ and miserable-ness), hoped for the best, a biopsy on the rash they insisted on to make sure it's a rash($$), had the flu from hell two times ($ as the meds lower my immune system), got scared into a CAT scan by my primary because i had insomnia for a while now and lost most of my sense of taste over the summer -but in the end just asked my GI for another change of medication and 5 days later i had my taste back($$), so cancelled the scan (so I didn't have to $$$ for something I didn't need), got told by the OB/gyn of my primary's choice when i arrived there for my appointment that they're not covered by my insurance and the first visit alone would be 175$(screw that).
The hubby got his annual checkup($$), then got Lyme disease from a tick bite (and worked through all the pain and sweats and antibiotics for a month $$), had the flu($), got tonsilitis($$), he gets needles stuck in his eyes every 6 weeks($$)...and those are just the basics of the last months beside all our regular $$ for diabetes related medication for both of us, thyroid pills and other fun stuff.
Think I now have some experience with the health system here? damn straight.
I'm broke with coverage and I don't even want to think about being without it.
For Part 2 I have to collect myself, so it might take a while again, bare with me.