On Wednesday, October 7, 2015 at 7:57:42 AM UTC-4, Gary wrote:
> Cindy Hamilton wrote:
> >
> > On Monday, October 5, 2015 at 9:01:40 AM UTC-4, graham wrote:
> >
> > > As you know, in Canada we have a public funded system. My D-I-L had an
> > > emergency c-section and one twin spent 3 weeks in the NICU and the other
> > > is still there after 6.5 weeks.
> > > I dread to think what that lot would have cost them on your side of the
> > > border.
> >
> > It all depends on your insurance policy. We've got health insurance
> > through my husband's employer. He was hospitalized for three days.
> > We never saw a bill. I frankly have no idea what the hospital billed.
>
> Just guessing but a fairly good guess. If I was hospitalized with no
> insurance for 3 days, it's at least $1000 per day and probably more
> depending on what they do or test you for.
>
> > We have to pay a portion of the insurance premiums. IIRC, it's $150
> > per month, which includes prescriptions. If he were uninsured, I'm
> > confident he'd pay more than $150/month just for his meds. My
> > thanks to all of his co-workers who don't use their benefits.
>
> It's not just his co-workers on the same policy, it's all the people
> worldwide that use the same company and don't claim much. Insurance
> companies make a fortune overcharging everyone for health insurance.
> Some customers develope large and expensive health problems and they
> win. Most people pay each year and don't claim much. They pay for the
> sicker ones.

Not exactly. His company is self-insured. There's an outfit that
administers claims, but the company pays the claims directly, out
of the pool of money that is filled up by the premiums that they
and we pay.

Cindy Hamilton