Not If You Work For A Living

Is Germany’s health care system a model for the U.S.?

Health

Nope. Unless you want to pay a considerable amount of what you earn for your regular health insurance (15 percent – and climbing) – that’s the el cheapo insurance, by the way, the “private” insurance costs much more. Your husband/wife get to pay that fifteen percent, too. Then you get to pay extra for countless other things like dental work (1000 euros for a crown ain’t no big deal, for example) And if you’re a freelance, self-employed type you normally can’t even afford the regular insurance. You have no choice, however. You cannot opt out when it comes to insurance here.

However, if you’re on the dole and even openly admit that you have no intention of going back to work, everything is covered for you.

This is what “free health care” comes down to, folks.

“The ones who are able to pay more, pay more. And the ones who aren’t able to pay that much, don’t pay that much.”

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Angst, Angst, Angst…

Insurance, insurance, insurance.

Angst

How German angst created the welfare state – The state sets the tone. Your health insurance contributions are deducted automatically from your salary at a rate of 14.6 percent. You and your employer pay half each. Unemployment, pension and long-term care insurance are also taken out of your pay.

Liability insurance isn’t legally required, but people will raise an eyebrow if you don’t have any. Additional dental insurance, for procedures not covered by the statutory system, comes widely recommended. And if you have a pet, expect to be judged for not guarding against all eventualities…

See German Oddity 11. Germans don’t like surprises. That is probably why they have insurance for practically anything you can imagine. It’s crazy. They not only have vacation insurance, for example, they also have what-if-I-decide-to-cancel-my-vacation insurance. They have insurance for their insurance, you see. And if you were to ever tell a German that you didn’t have any Rechtschutzversicherung (legal costs insurance) they would gasp for breath and look at you like you just beamed down from Mars.