Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Tuesday, February 26, 2013
Why I didn't keep up this blog as planned -Part 1
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.
Friday, January 18, 2013
How to be German in 25 easy steps -Part 1
I just found this amazing website, written by an English dude living in Germany
and I couldn't stop laughing.
He's right!
Not 100% right, but every German find him/herself in this or at least someone they know.
how-to-be-german-in 25 easy steps-part-1
and I couldn't stop laughing.
He's right!
Not 100% right, but every German find him/herself in this or at least someone they know.
how-to-be-german-in 25 easy steps-part-1
#1 Put on your house shoes
here I'm part of the exception. I hate house shoes. I love bare feet. running around my own apartment dressing however I like, don't know what I'd do if my house was completely tiled (maybe thick socks instead?), but no house shoes. They remind me of old people, my grandpa always had his house shoes next to the bed,next to his lazy boy chair when he took a nap.
Maybe that's the reason why house shoes always make me think of old people.
#2 Eat a long breakfast
For my parents' birthdays, mother's day, Easter we kids always made a big breakfast. I went to the bakery to get fresh rolls, boiled eggs, brought all cold cuts, marmalade/jam, honey, Nutella (you can't have breakfast without Nutella!) etc to the kitchen table, made coffee...It's a family thing.
Now that I'm grown up, I don't mind that anymore unless we get special guests or something.
When I have a job, it's already hard to get up in the morning, I usually take a sandwich with me to work, but I can't eat in the morning. Blergh.
#3 Planning, Preparation, Process
I hate preparation, but if I have to do something -move to another country, plan a business trip, I do it right...my best friend is a list.
#4 Get some insurances
The first time living outside my parents home, I only had the minimum insurance, just in case I damaged something in the apartment, burnt down my household effects. (and you can't have a job or anything in Germany without health insurance, no one would take you as a worker if you weren't insured)
But i felt uneasy.
-what, if I get sick and can't work anymore? -a disability insurance would be nice.
-what if the public pension won't be enough? -a private pension insurance would do the trick.
-what if my cell phone gets stolen or breaks? -a cell phone insurance would take care of it.
Germans basically have the Aflac commercial running through their heads nonstop when it comes to insurances.
#5 Dress seriously
We have mothers who are always yelling to get our coats on outside just in case it gets cold. And don't forget an umbrella!
We are 'just-in-case'-people. And that's not only about clothing.
My handbag is so full it's like carrying a corpse with you everywhere you go.
-just in case you or someone with you gets a headache, take painkillers with you.
-maybe you'll have an upset stomach, take some Prilosec/Omep with you.
-what if you get hungry, maybe put some snacks in.
-low sugar, take some candy.
-thirsty. need some water/juice/coke.
-the trip gets boring, take a book.
-miss your family, bring pictures.
-cut your finger, bring band aids.
-dirty bathroom, take desinfectant.
-dry skin, need hand lotion.
and those are just the extras besides makeup, keys, cell phone, wallet...
#6 Speak German
German is hard. Especially for foreigners.
But in a way Germans are like the French, if you're a tourist and try to speak some German, they love you.
If you try in your language or in English many think you just don't take an effort or try to play dumb.
People in general are stupid.
*shrugs*
We all had English at school, a minimum should be possible.
But you still have people -especially young ones- in stores, salons, on the street, who'll look at you like a deer in headlights when something not-German comes out of your mouth.
#7 Get some more qualifications
In Germany, if you're an idiot, you have to have a paper stating that you are.
No one cares if you can speak a certain language -if it's not your native language or you have a paper stating that you can, no one will believe you.
In Germany everything works with college qualifications or apprenticeships (which usually take 3 years work and vocational school, you have to take a test at the end to prove you're fit to do the job you apprenticed for).
If you get a job without that, you only get minimum wage (waiter, call center, bar maid, cleaning crew...) or you're a student with a side job. Your boss won't pay for part of your health insurance either and you won't get paid vacation time.
#8 Obey the red man
Germans don't follow aaaaalll the rules.
The English are happy to stand in line all day long, Germans hate it with a passion.
Some cheat, some start complaining for another checkout counter after less than 3 minutes.
But yes, if you don't wait for the light to change, most will yell at you or think you're a rebellious teenager and a bad role model for little kids.
9. Drink Apfelsaftschorle
For me now living in a strange country and trying to cope with it, it's diet Coke.;)
You can't go wrong with diet Coke, it takes the same everywhere you go.
The orange, apple and cherry juices in the states completely freak me out. Nothing tastes as it should.
Cherry juice is made from tart cherries, sugar, sugar substitute or whatever is added, but it's tart.
Orange juice -especially the ones that are refrigerated, have to taste fresh and have some acid and are mostly made from navel oranges.
If you drink non-carbonated water, most Germans immediately think of tab water (which is perfectly fine to drink in Germany by the way, no filter or anything needed).
Which automatically makes them think of tough times, having no money for other beverages...
So yes, carbonated water is 'classic'.
#10 Eat German food
Can't say it's not right.
But no, not all Germans eat sausage and sauerkraut and ham hock all day long.
-especially not sauerkraut on a freaking hot dog, we prefer our hot dogs Danish style, thank you very much. (ketchup, mustard, hot dog sauce/remoulade, fried or fresh onions and pickled gherkins -where, oh where can i find pickles in the state of Pennsylvania that are not dill or ridiculously sweet???)
That's what's so disappointing about German restaurants in the states.
No, not every dinner includes red cabbage or sauerkraut or spätzle for goodness sake!
We don't eat schnitzel every day!
And what you call Wiener or Frankfurter or Nürnberger is a sacrilege!
So that's it for today, part 2 comes in a bit :)
http://hairandcultureshock.blogspot.com/2013/01/how-to-be-german-in-25-easy-steps-part-2.html
http://hairandcultureshock.blogspot.com/2013/01/how-to-be-german-in-25-easy-steps-part-3.html
http://hairandcultureshock.blogspot.com/2013/01/how-to-be-german-in-25-easy-steps-part-2.html
http://hairandcultureshock.blogspot.com/2013/01/how-to-be-german-in-25-easy-steps-part-3.html
Labels:
Apfelschorle,
apprencticeship,
breakfast,
German,
hot dogs,
house shoes,
insurance,
moving overseas,
Nutella,
Philadelphia,
qualifications,
sausage,
tap water
Location:
Philadelphia, PA, USA
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