Life of Karl
Life of Karl
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Don't Get To Involved With Political Parties And Politicians
Hey guys, I just wanted to share my thoughts on political parties, and why it is best not to spend too much time worrying about which politician wins.
Thanks for watching!
Happy New Year!
มุมมอง: 414

วีดีโอ

My Teacher Wanted To Put Me On Adderall! - They Said I Had ADHD
มุมมอง 2142 ปีที่แล้ว
This is a brief story about my 3rd Grade teacher trying to put me on Adderall when I was 9 years old. I also describe some of me thoughts on the modern school system. Link to my other channel - th-cam.com/channels/jk_uJdRSxyYgsCSE4GPVGQ.htmlfeatured Thanks for watching!
Is College a Waste of Time? - My Thoughts and Experiences
มุมมอง 2422 ปีที่แล้ว
Link to my other channel: th-cam.com/channels/jk_uJdRSxyYgsCSE4GPVGQ.htmlfeatured Hey guys, this video gives some of my background, and shares some of my experiences and thoughts regarding going to college. Hopefully you can get some useful advice from this.
I Went To The Dentist In Mexico!
มุมมอง 3.8K4 ปีที่แล้ว
This is the story of how I broke my tooth, and then went to the dentist in Tijuana for a root canal and crown. Thanks for watching!
My Healthcare Experience in Europe as an American
มุมมอง 2.1M6 ปีที่แล้ว
This is the story of my healthcare experience while I was in Holland and Germany.

ความคิดเห็น

  • @gufyufdyul5372
    @gufyufdyul5372 3 หลายเดือนก่อน

    How is your foot

  • @budapestkeletistationvoices
    @budapestkeletistationvoices 4 หลายเดือนก่อน

    Americans get what they vote for

  • @davidperry4013
    @davidperry4013 4 หลายเดือนก่อน

    If I had it my way, I would repeal every US healthcare regulation down to the bare essentials and then build it back up with a better system.

  • @dudoklasovity2093
    @dudoklasovity2093 5 หลายเดือนก่อน

    EUROPE: Healthcare is social system USA: Healthcare is a business

  • @Aangfan06
    @Aangfan06 5 หลายเดือนก่อน

    I wish USA had a Universal Free Healthcare

    • @robert-xb8bx
      @robert-xb8bx หลายเดือนก่อน

      it does have its problems but its awesome :)

  • @thomasucc
    @thomasucc 6 หลายเดือนก่อน

    We have free education and health care in Ireland

  • @sukkry
    @sukkry 6 หลายเดือนก่อน

    It is sad to see that Americans are surprised when they realize how cost effective is the health care system in Europe. Health is considered as Human right in Europe so that is the reason it is the responsibility of our government to run a public health care at the lowest cost possible and to maintain a good quality of service. The patients are not afraid to run through lot of tests and to see a lot of specialists when you know that the cost is covered by the public health insurance. In EU, if you travel you can ask for the EU health card, and with that card you pay the same price as the citizens of the country your receive the treatment, they will simply send the bills to the health care insurance of the country you come from.

  • @cropathfinder
    @cropathfinder 7 หลายเดือนก่อน

    ITs even cheaper in some smaller and less developed EU countries like croatia for not really any worse treatment. For people in EU its also easier because insurance often covers treatment in another EU country fully like they were getting it in their home country. I know the croatian system has a basic insurance and then you can get two other stages one is just a bit more in cost but makes it so you don't have to pay extra for a lot of meds on a large list and the highest is basically more expensive and its primary for priority rooms in hospital i.e. single bed rooms ,etc. HERE IS THE CATCH! The US is butting in and trying to break up the European system both by private companies moving in and lobbyist putting pressure on politicians to break up the social health care systems. I know in Croatia doctors have been protesting this because they are basically at a point where they could lose their licence for treating/seeing a certain amount of patients. Yes the doctors are protest because they want MORE WORK. Like a local physical therapist can only see like 5 patients a day and a session usually takes 20 minutes per patient with usually a cycle of therapy being 10 visits back to back. Well due to the rules they have to schedule patients 6 or more months in advance and to make it worse a separate specialist also due to new stupid rules can't book patients directly after the cycle when he should to evaluate the results and see if they need more, no they will have to wait months for a checkup to see if they need more theraphy. This is all been happening in the last 5-6 years as these companies have been getting more and more pull on the politicians and trying to destroy social health care in EU and its ALARMING the same way US forced europe to back those neonazis running Ukraine and pushed us into that conflict.

  • @fastescocky
    @fastescocky 7 หลายเดือนก่อน

    In Germany, everyone pays about 15% of their gross salary to the health insurance funds. However, this money is not sufficient and has to be subsidized by the state. The European system only works if there are not more people taking than giving.

  • @ghana1823
    @ghana1823 8 หลายเดือนก่อน

    I'm from the US, & here in Europe you can afford to get sick & not Die. Unlike the US where you can't afford MedicalCare! Everything folks back home believe about Universal Healthcare is Totally & COMPLETELY INCORRECT! And all the higher Tax talk is too. Your Tax € here does what it's supposed to do, & goes where it's supposed go. We have Zero pot-holes that I've seen. Amazing Healthcare. Doctor visits r Zero co-pay, used to be 10€ but thats done away with. Life & Quality of life here Blows the doors of the US! The US is even Worse than 3rd world countries when it comes to these things. And it's a shame that folks believe it's not. But why should they ? They don't even own Passports, have never & will Never go anywhere. They Know nothing about any other places except for the incorrect things or straight out Lies they hear about others places. Their Tax $ do very little to help them. They don't even know that people are moving to Mexico because everything I mentioned there is even better than the US! Folks back home are living in a Fantasy World and believe Everything they're told by their media & Government! I know because I didn't know better and used to be the same. Travel & you'll see the truth about the world & about the US! Which is not what the US says about the World. It only puffs itself up and downplays all other places while it Claims to be the beast or greatest, which again is a Lie! And the sad thing is, folks believe it . Look at all the hopelessness in the US & all the stores going out of business due to theft! Theirs no other place where people live like this in the developed World except the so called Great US! VERY SAD. But the worst part is their mindset. You can't talk to them & when they do come here i keep clear from them because it's like talking to a deranged person. They have everything wrong. It's Horrible.

  • @wenchbyatt
    @wenchbyatt 8 หลายเดือนก่อน

    Of course, it depends massively from country to country, but supplemental insurance usually comes from your job. So where I live (Poland), you can go with universal coverage, which may take a while, but will be 100% free, or you can go private, which you will pay out of pocket (or your supplemental insurance will take care of it), but you usually have far less wait and more convenience. Depending on where you live, the Universal healthcare (in my case, Polish NFZ) may only have a handful of clinics, some not at all near you, so it can be a big bother. I know i started some treatments in private, and will switch to NFZ once i have the time to wait and do the switch. Still, knowing that if I'm sick, my GP or the emergency room will be on NFZ brings me huge peace of mind.

  • @parveenmehra8470
    @parveenmehra8470 8 หลายเดือนก่อน

    Hey karl. You had painful experience in college

  • @vadymkvasha4556
    @vadymkvasha4556 8 หลายเดือนก่อน

    just purchase the tourist insurance and call there if you have problems)

  • @thaismacedo8124
    @thaismacedo8124 8 หลายเดือนก่อน

    That's one of the reasons why I live in Europe - quality of life is everything!

  • @wiltzu81
    @wiltzu81 8 หลายเดือนก่อน

    I once visited a doctor in the United States. That was 15 years ago and my short visit cost about $750. My most expensive doctor's visit in Finland has been 35 euros (about 38 dollars). I just checked that I pay about 33 percent in taxes on my salary, which is a little higher than average. The collected tax money is then distributed as follows for the benefit of society: Roughly, about half (49 percent) goes to social security, about 13 percent to health care, 11 percent to the education system (all levels of study from kindergarten to university), 11 percent to general public services and administration, 8 percent to industrial/economic development, 2, 5 percent for leisure and cultural services (libraries, swimming pools, etc.), 2.5 percent for national defense, 2 percent for security (police, fire department, etc.), 0.5 percent for infrastructure and 0.5 percent for environmental protection. Now everyone in the US can calculate that if the health insurance that is so common in the US costs X amount per month/year and if university tuition fees cost something like X amount per year, then which model is actually cheaper if you make, say, $60,000 per year and your tax rate would be the same as I have here in Finland, which is generally considered a highly taxed country. For example, with an annual income of 60,000 USD, healthcare would cost you about 2,600 USD per year. Think about the advantage when you are a single parent and you have, say, five children, one of whom gets cancer or needs an organ transplant. As per statistics, the average annual premium for employer-sponsored health insurance was 8,435 USD for an individual policy in 2023 and 23,968 USD for a family plan. (Forbes & USA Today 2023). You would pay about 2,200 euros per year for the education, but remember that during your studies you did not pay tuition fees and received financial support for studies and rent (as in Finland). If you work for, say, 35 years, and let's say you averaged that earlier $60,000 a year over your entire working career, that means you paid back $77,000 for your entire education from kindergarten to college. In the United States alone, college tuition fees per year are around $24,000.

    • @andersrefstad8235
      @andersrefstad8235 8 หลายเดือนก่อน

      Im glad to live in a nordic country :-) ... USA is not my next stop...

  • @sannynjoo9776
    @sannynjoo9776 8 หลายเดือนก่อน

    Dutch health insurance is not universal but every citizen is required by law to have the basis insurance which covers pretty much. Then you can add supplemental threatments (package deals) for other things eg. dental and that adds up. Also you have "eigen risico" which means that you have to pay up to € 385 out of pocket before insurance covers futher costs. Don't really know how foreigners are billed /taxed but probably government pays a bit but also the insurance company where the doctor /practice /hospital is liased with too. But good to hear you had a great experience in the Netherlands.

  • @alonzorodriguez8878
    @alonzorodriguez8878 8 หลายเดือนก่อน

    Well explained!

  • @gorankarlsson8741
    @gorankarlsson8741 8 หลายเดือนก่อน

    To me it´s almost unbeleivable that the US can be the nation that spends the most money per capita in the developed world on healthcare. And still it is NOT available for all people. Still in 2023 lots and lots of people in the US dies from treateable deseases because they can´t afford to see a doctor. We do have very high taxes in Sweden where I live but I´m happy to pay them knowing I´ll be taken care of if I get sick or injured in an accident. No charge here for ambulance transportation, We never pay more than 260 USD for healthcare per year. And never more than 160 USD for prescripted medications per year. Health care and medications are affordable for evrybody. So I think I´ll stay here for the rest of my life.

  • @BrokeAgain
    @BrokeAgain 9 หลายเดือนก่อน

    Some are lucky, but its never really free. Insurance is high over there and hard to get one... takes dayys... but ER visits are also depends on the situations.

  • @albin2232
    @albin2232 9 หลายเดือนก่อน

    We don't want communism here. We're free because we have guns.

  • @Tetemorena1
    @Tetemorena1 9 หลายเดือนก่อน

    Well, in Germany you have the so called Vorsorgeprinzip in health care. It is not really and completely financed out of "taxes" but half/half by the employers and the employees and a part comes from taxes. The costs are deducted directly from your pay check. The prices for health care or procedures are regulated by low. There is also the principle of solidarity. If you earn more you pay more (but never above a certain amout estipulated by low) and if you earn less you pay less... but everybody is treated equaly. If you can't afford it then the goverment pays for you. Mostly health insurances are organized as public institutions but the administration is autonomic. There are privat health insurances as well, but most people prefer actually the public ones. If you want to visit Germany as a tourist you need to have a privat insurance... some people are denied entry if they can't show they have one.. the point is, they do not control all foregneirs that are coming in and prices are regulated so in worst case scenario you pay yourself but you are not going to need to sell your soul to the devil to pay it off.

  • @bobon123
    @bobon123 9 หลายเดือนก่อน

    Much more than some hundreds bucks with an xray in US. An Italian friend of mine was in NYC for a conference and she was bitten by a squirrel. She went to the hospital to be sure, she told them that she already had the anti rabies done, and so they told her that everything would be fine and put a band aid on her finger (no stitches). They charged her $1250.

  • @susanmonty791
    @susanmonty791 9 หลายเดือนก่อน

    People don’t understand that the US takes care of many countries militarily and our budget is much higher than all the countries in Europe. Theses countries taxes are much higher as well. Universal healthcare does not work in the US period. If you don’t like it move.

  • @ominousentity1115
    @ominousentity1115 9 หลายเดือนก่อน

    Funny thing is in America if you ask for an itemized bill, medical services are generally extremely cheaper. It's the insurance companies that are the problem. Hospitals mark up prices on patients just because they know they can get away with it.

  • @nonamegirl9368
    @nonamegirl9368 10 หลายเดือนก่อน

    What US Americans always overlook is that our social benefits are not linked to our employers. A construction worker gets the same amount of paid vacation, sick days, and healthcare as an office worker. That's social justice, but maybe that's not what they want

  • @Reoddadai
    @Reoddadai 10 หลายเดือนก่อน

    Nobody questions a service like the police or the fire department in the states, but when it comes to affordable health care they think it is unreasonable. Imagine a fire in a dense neighborhood it has the potential to burn everything down. Now imagine a very contagious disease, and the person is not very eager to visit a hospital because his budget doesn’t allow it. In a population where this kind of behavior (because of the personal circumstances) is a thing, it’s a road that can lead to disaster.

    • @nonamegirl9368
      @nonamegirl9368 10 หลายเดือนก่อน

      covid has proven it

  • @damirhlobik6488
    @damirhlobik6488 10 หลายเดือนก่อน

    I cut my finger in Italy and I'm a foreigner, in the emergency room they just asked me "do you want local anesthesia?", two stitches, the price is zero

  • @burkhardproksch637
    @burkhardproksch637 10 หลายเดือนก่อน

    When will people in the USA finally realize that they are only being exploited and ripped off in this area? Where this money goes, you do not have to explain further.

    • @LMB222
      @LMB222 10 หลายเดือนก่อน

      The moment Americans gather and threaten the system, another 9/11 is going to happen, so that all the rednecks could rally around the flag.

  • @PeterShieldsukcatstripey
    @PeterShieldsukcatstripey 11 หลายเดือนก่อน

    Interesting. Thank you.

  • @PeterShieldsukcatstripey
    @PeterShieldsukcatstripey 11 หลายเดือนก่อน

    Glad you are okay mate.

  • @PeterShieldsukcatstripey
    @PeterShieldsukcatstripey 11 หลายเดือนก่อน

  • @Colgan1
    @Colgan1 11 หลายเดือนก่อน

    It is a shame that the Obama care never became a thing even though it wasnt totally free. Why are antibiotics so expensive too? Branded name antibiotics can cost you over $200? You know in the UK they could set you back about $25? (Mind you, you have to be prescribed antibiotics) You don't have to worry about hospital fees. You dont have to worry about becoming in debt. I find it very sad that this is the case in the US.

  • @johnwadd8412
    @johnwadd8412 ปีที่แล้ว

    Last time I was in TJ, I got a great Blow Job by an attractive young puta

  • @lukeyznaga7627
    @lukeyznaga7627 ปีที่แล้ว

    I think it's time we woke up to the fact that our government is TRUE evil

  • @JahTsir
    @JahTsir ปีที่แล้ว

    Europe doesn't want America to provide defense any more. Sounds like a lot of money will go towards that. And social services will suffer.

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      We never asked the US for defense, the US took it upon themselves to be the world police. Don't cry now what you own country wanted.

    • @nonamegirl9368
      @nonamegirl9368 10 หลายเดือนก่อน

      Us has over 800 military bases and not all of them are in europe. It's not about protecting us, it's about protecting America's interests. The money is not the problem, US is the richest country in the world, they just don't want to spend any on their own population. sad

  • @JanPBtest
    @JanPBtest ปีที่แล้ว

    A similar recent (February 2023) experience from a supposedly expensive country: Switzerland. My partner and I were in Lausanne and he got a not very high but stubborn fever so after 4 days of that we decided to go to the nearest urgent care. He walked out with an antibiotic prescription and the cost of the doctor's visit was 115 CHF (about 128 US dollars). We had no Swiss insurance. A friend of a friend had a skiing accident in Switzerland and had to be helicoptered away. The cost of the helicopter ride w/o insurance: about 500 CHF.

    • @AnoNymInvestor
      @AnoNymInvestor ปีที่แล้ว

      Danke Dir aus Deutschland für Deinen Bericht. Interessant!

  • @chriscole7771
    @chriscole7771 ปีที่แล้ว

    I wonder if that has anything to do with the high taxes? 🤔

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      While it's still cheaper compared to healthcare costs in the US.

    • @chriscole7771
      @chriscole7771 ปีที่แล้ว

      @Brozius yes it is high. But you have to factor in, our Dr's make more. Our nurses make more. Cost of living is higher here. I had a friend that took his son to the ER, he payed when he was leaving. He said that according to the lady that took the payment it was 100's less than it would have been if he got a bill in the mail.

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      @@chriscole7771 100% less??? That means he payed nothing, that's not possible.

    • @chriscole7771
      @chriscole7771 ปีที่แล้ว

      @Brozius Reread what I said. I didn't say 100% less, I said 100's less.

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      @@chriscole7771 You are right, sorrry.

  • @jonathanbermejo65
    @jonathanbermejo65 ปีที่แล้ว

    I still cant belive Americanas dnt have social health care🤯🤯🤯

  • @T0MT0Mmmmy
    @T0MT0Mmmmy ปีที่แล้ว

    The US American health care system is not made to help people, it's made to make a lot of money. Just that simple.

    • @hellboy19991
      @hellboy19991 10 หลายเดือนก่อน

      it's a health business not health care in america

  • @MaSa-qv7pi
    @MaSa-qv7pi ปีที่แล้ว

    I suddenly developed a neurological problem while in Spain. I had private health insurance. It was considered an emergency so I was placed on the public healthcare system

  • @toniderdon
    @toniderdon ปีที่แล้ว

    9:46 No idea where that wait time and shitty care myth is coming from. I live in Germany and I never had that issue.

    • @prar7450
      @prar7450 9 หลายเดือนก่อน

      Cries in Poland

  • @RachelLaReina
    @RachelLaReina ปีที่แล้ว

    This is why before moving back to the US, I got a supply of birth control pills, a pap smear, a dental cleaning, and 2 dental fillings in Spain 😁😁😁 I also had to buy three prescriptions when I was sick at one point (inhaler, syrup, antibiotics). The prices were AMAZING. You have to take advantage of it. Also, before covid tests were free, Spain set the price of a test to only be at most 3 euros.

    • @marilyntonelli8832
      @marilyntonelli8832 ปีที่แล้ว

      What innovation or drugs come from EU? Oh right none!

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      @@marilyntonelli8832 You do realize that in medical innovation 3 countries from Europe rank in the top 3. 1. Switzerland 2. Germany 3. The Netherlands 4. US

    • @KlausKlausen-pe3jq
      @KlausKlausen-pe3jq 8 หลายเดือนก่อน

      ​@@marilyntonelli8832Lol There was a really important one recently Remember the Covid vaccine?

  • @Lilly-bo1mi
    @Lilly-bo1mi ปีที่แล้ว

    It's very easy to say "American healthcare is the best" as a rich and/or very wealth person. Try to say the same sentence, as a poor family member and/or homeless.

    • @redvirknight9430
      @redvirknight9430 ปีที่แล้ว

      Their healthcare is free. All low income families can get free healthcare.

  • @giuliocipone1962
    @giuliocipone1962 ปีที่แล้ว

    Hi man, love this format, it's sincere, simple clips, not editing just a guy's opinion. These clips remind me of Henry Rollins' Spoken Word show. Do more of these!

    • @giuliocipone1962
      @giuliocipone1962 ปีที่แล้ว

      Why do I have a 1962 after my name? I am not that old yet. Aha

  • @jelanidacostabest8195
    @jelanidacostabest8195 ปีที่แล้ว

    It’s almost as if the rest of the world remembers what a Hippocratic Oath is

    • @LMB222
      @LMB222 ปีที่แล้ว

      The oath that days "first, do not damage the patient"?

  • @LMB222
    @LMB222 ปีที่แล้ว

    In Europe the fees are often symbolic, because people started feeling they "deserve" the service. So the 25€ is to remind you that a person on the night shift ain't cheap.

    • @c.w.8200
      @c.w.8200 ปีที่แล้ว

      Where did you get that from?

    • @joaomarreiros4906
      @joaomarreiros4906 ปีที่แล้ว

      We pay it in our taxes friend, and in most Constitutions of Europe there is the Right to have healthcare, not fatten the pockets of insurance companies, and in most countries, like Portugal, you pay according to your income in fixed rates determined by the State, that can be nothing. I have an average pay for my country and last time I was in the emergency room, with doctors examination three exams including bloodworks, xray, treatment and medication at the pharmacy, I paid 21 euros at the hospital and about 14 euros at the pharmacy. This is available online if you want to learn more about it.

    • @spaghettistef
      @spaghettistef ปีที่แล้ว

      @@c.w.8200 It is quite true actually. My mum is a nurse in an Italian hospital and she always tell me about how at the end of your stay in the hospital they give you a bill showing how much it cost the healthcare system. Clearly you don't have to pay for anything but it is meant to make you realise that stuff is not free, so make sure you understand the value of it.

    • @LMB222
      @LMB222 ปีที่แล้ว

      ​@@spaghettistef Canada does the same. They give you a "bill", fully paid, but you're supposed to know how much the services cost.

    • @joaomarreiros4906
      @joaomarreiros4906 ปีที่แล้ว

      @@LMB222 Nice one, lets talk later.

  • @tomshahriari6602
    @tomshahriari6602 ปีที่แล้ว

    American’s have been duped. I live in France and healthcare is less than a 10th the cost of the US and it is far better. Faster appointments, more efficient, outcomes that are better, and even if you are not covered by the National Healthcare, health care - full cost - is less than our old US copay - 25 Euros for a routine office visit. 60 for a specialist. Prescriptions are a fraction of the cost. I had the exact same experience when I broke my arm in England. Cheap, efficient, effective. Americans have just taken too much Republican cool-aid. There is no excuse. Americans are bankrupted by healthcare so insurance company executives can earn multi millions. Seriously America, get a grip. BTW this is one of the main reasons I live most of the year in France. One final note. Our French National Coverage covers healthcare everywhere in the world except the United States, so before I got Medicare I had to buy travel coverage for our time in the states and that coverage cost many times our total annual healthcare costs in France. It’s just nuts.

    • @heathersigmon3380
      @heathersigmon3380 ปีที่แล้ว

      Hahaha Republican cool-aid, that's great! I think they are main lining it over here. It's like a friggin cult. :)

    • @LMB222
      @LMB222 8 หลายเดือนก่อน

      Don't forget that Europe (and Australia) spends much more money on prevention.

  • @kortam6065
    @kortam6065 ปีที่แล้ว

    I went to the ER IN NJ without insurance and i got bill 1500 plus xray 200🤦‍♀️ Also doctor fee without insurance 100

  • @JillKirchner
    @JillKirchner ปีที่แล้ว

    What the government gives you, they can take away. Anytime they want. The less the government is involved in your lives, the better. We the people can speak up to our representatives and raise heck, and sooner or later, they will have to do what we want. We do it by voting. We give our reps too much power. That power is not supposed to be. Read the Constitution. Reps are not even supposed to live in D.C. They are supposed to live in their home districts so they can do what the people want. That is a Constitutional right.

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      No wonder other developed countries have it better than the US. You people are to paranoid.

    • @PropagandasaurusRex
      @PropagandasaurusRex ปีที่แล้ว

      The American perception of "government" is thoroughly flawed, and so is the US Constitution. I understand that given the American experience it is unfathomable, but most developed countries operate under two rules of governance that make all the difference: 1. The Government serves the people and is responsive to its needs (as opposed to "government is intruding in your life") 2. The Government safeguards individual rights and supports wherever possible every individual in their pursuit of education, good health, safety and general happyness (as opposed to "government is evil and out to destroy your individual freedom")

    • @nonamegirl9368
      @nonamegirl9368 10 หลายเดือนก่อน

      Yes, let's link this to our employers so that we do everything we can to avoid losing our jobs and social benefits😂😂😂

  • @PeterRoos
    @PeterRoos ปีที่แล้ว

    In December 2021 / January 2022 I was in Germany for a work related project. During the two weak Christmas break I broke my arm while running. My brother took me to the Dutch ER where they helped me immediately. Saw a doctor who had X rays taken which should multiple fractures. They didn't bill me anything at the time. One week later I went to the German ER to have a follow up X ray. Paid EUR 300 out of pocket. The German doctor told me I had to have shoulder surgery. After contacting my employer it turned out my US health insurance did not cover any surgery in Germany. I asked the hospital what the surgery would cost if I paid out of pocket, and they said EUR 9,000 or EUR 19,000 depending on whether I wanted any doctor or the chef doctor. Since that was more than I could afford I flew back to the US and had shoulder surgery. Total costs: approx. $150,000, of which I paid $5,000 in co-pays and deductibles. Months later I received a bill from the Dutch hospital, EUR 700 (for the X ray and the doctor). My US insurance is still considering whether to reimburse the ERs in the Netherlands and Germany, frankly I am not holding my breath. So that's another $1,000 out of pocket for me. So there's the difference between US and European healthcare. I would have preferred to have the surgery in Germany, the doctors are at least as good as in the US, but the out of pocket was too great for me and my employer refused to pay anything beyond what they contribute to the healthcare plan.

    • @Brozius2512
      @Brozius2512 ปีที่แล้ว

      Where you in Germany or the Netherlands? Because the Dutch are people from the Netherlands.