RE: [CMLHope] Re: price of gleevec,insurance,obamacare
Hi Draz - Employers in the US typically offer group health insurance plans. Unlike individually purchased plans the group plans do not discriminate on the basis of pre-existing conditions such as cancer and the coverage must be offered to every employee. The type of coverage varies in terms of the employee's cost, the employer contribution to the cost and the level of benefits including pharmacy benefits. If you are considering a position with a US employer then as part of the negotiations you can ask for detailed information on their benefit package, including their health insurance plan and check the coverage out for yourself. Often there are several different choices and more and more there is a trend toward plans with what are called high deductibles - an amount of money the insured person pays before the insurance coverage kicks in. Once you have the information on how they are insured, and what options you may have, then you can check into it further. You should be able to make inquiries as to what they cover and what they charge, and often you can get these details in writing or through a website. You don't have to mention your personal situation. Asking for details of the benefit package is a normal and valid negotiating point for those considering a job here. If you are saying the position is with Google then you may have good coverage - the better, bigger, larger companies that have to compete for good talent tend to offer better health benefits to their employees in order to attract people. If you are working with a recruiter they should be able to help you with this and be used to these types of questions but do not share your personal medical history when you ask for information. Since the health system here is tied to employment it is very common for employers to discriminate against people with costly illnesses and it's best to keep that information to yourself as you go thru this process and even after you start the job. Good luck to you, I hope you get the answers you need and can go forward with your life! Best, Pat From: cmlhope@googlegroups.com [mailto:cmlhope@googlegroups.com] On Behalf Of Draz Sent: Sunday, November 11, 2012 5:20 AM To: cmlhope@googlegroups.com Cc: patrickemailguard-g...@yahoo.com Subject: Re: [CMLHope] Re: price of gleevec,insurance,obamacare Well time to find out how California and Google do it otherwise its pointless to go to the States if my paycheck all goes into medical coverage. Thank you for the answer. Drazen On Thursday, November 8, 2012 7:35:13 PM UTC+1, patrick wrote: Draz, the big picture is that there really is no "US healthcare system". We are making some progress. I resisted replying to some other questions about healthcare costs before the election to avoid appearing like I was campaigning. The closest to an answer I can give you is that my friend Michael had not had any healthcare coverage since 2000 because he has both a lifelong health issue (pre-existing condition) and the desire and ability to work. BUT because of one of the provisions of the Affordable Healthcare Act commonly referred to as Obamacare, in October he applied for healthcare coverage with two traditional healthcare insurers and got the two letters denying coverage that he expected. With those two denials he was able to buy "pool coverage" under the new law and has health insurance for the first time in 11 years! (I think $320 month premium and maximum of $5000/year out-of-pocket expenses). What Tasigna and doctor and hospital visits would actually cost you is too complex to guess. You would actually have to investigate coverage for you, your employment situation and specific location. No, I cannot explain why there's one answer in most countries in the western world and not the US. Well, follow the (insurance) money my mom always said. BTW the full cost of Tasigna in the US is $9475 for 28 days of (4) 150mg/day. Patrick --- On Thu, 11/8/12, Draz > wrote: I'm trying to understand a bit more about Tasigna costs and the US healthcare system. I live in the Netherlands and am looking into moving to the States due to a better job position at the moment all medicine is free for me due to the healthcare system here. How much do you guys pay out of your own pocket each month for the medication (150mg per pill at 4 pills per day)? Do you pay the full 5k per month or do you get a large chunk back? I'm basing my job choice on this because if I can make more money but go broke due to costs then I'd rather stay in Holland. -- [CMLHope] A support group of http://cmlhope.com - You received this message because you are subscribed to the Google Groups "CMLHope" group. To post to this group, send email to CMLHope@googlegroups.com To unsubscribe from this group, send email to cmlhope-unsubscr...@googlegroups.com For more options, visit this group at http://gr
Re: [CMLHope] Re: price of gleevec,insurance,obamacare
Well time to find out how California and Google do it otherwise its pointless to go to the States if my paycheck all goes into medical coverage. Thank you for the answer. Drazen On Thursday, November 8, 2012 7:35:13 PM UTC+1, patrick wrote: > > Draz, the big picture is that there really is no "US healthcare system". > We are making some progress. I resisted replying to some other questions > about healthcare costs before the election to avoid appearing like I was > campaigning. The closest to an answer I can give you is that my friend > Michael had not had any healthcare coverage since 2000 because he has both > a lifelong health issue (pre-existing condition) and the desire and ability > to work. BUT because of one of the provisions of the Affordable Healthcare > Act commonly referred to as Obamacare, in October he applied for healthcare > coverage with two traditional healthcare insurers and got the two letters > denying coverage that he expected. With those two denials he was able to > buy "pool coverage" under the new law and has health insurance for the > first time in 11 years! (I think $320 month premium and maximum of > $5000/year out-of-pocket expenses). > What Tasigna and doctor and hospital visits would actually cost you is too > complex to guess. You would actually have to investigate coverage for you, > your employment situation and specific location. No, I cannot explain why > there's one answer in most countries in the western world and not the US. > Well, follow the (insurance) money my mom always said. > BTW the full cost of Tasigna in the US is $9475 for 28 days of (4) > 150mg/day. > Patrick > > --- On *Thu, 11/8/12, Draz >* wrote: > > I'm trying to understand a bit more about Tasigna costs and the US > healthcare system. I live in the Netherlands and am looking into moving to > the States due to a better job position at the moment all medicine is free > for me due to the healthcare system here. How much do you guys pay out of > your own pocket each month for the medication (150mg per pill at 4 pills > per day)? > > Do you pay the full 5k per month or do you get a large chunk back? I'm > basing my job choice on this because if I can make more money but go broke > due to costs then I'd rather stay in Holland. > > -- [CMLHope] A support group of http://cmlhope.com - You received this message because you are subscribed to the Google Groups "CMLHope" group. To post to this group, send email to CMLHope@googlegroups.com To unsubscribe from this group, send email to cmlhope-unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/CMLHope
Re: [CMLHope] Re: price of gleevec,insurance,obamacare
Draz, the big picture is that there really is no "US healthcare system". We are making some progress. I resisted replying to some other questions about healthcare costs before the election to avoid appearing like I was campaigning. The closest to an answer I can give you is that my friend Michael had not had any healthcare coverage since 2000 because he has both a lifelong health issue (pre-existing condition) and the desire and ability to work. BUT because of one of the provisions of the Affordable Healthcare Act commonly referred to as Obamacare, in October he applied for healthcare coverage with two traditional healthcare insurers and got the two letters denying coverage that he expected. With those two denials he was able to buy "pool coverage" under the new law and has health insurance for the first time in 11 years! (I think $320 month premium and maximum of $5000/year out-of-pocket expenses).What Tasigna and doctor and hospital visits would actually cost you is too complex to guess. You would actually have to investigate coverage for you, your employment situation and specific location. No, I cannot explain why there's one answer in most countries in the western world and not the US. Well, follow the (insurance) money my mom always said.BTW the full cost of Tasigna in the US is $9475 for 28 days of (4) 150mg/day.Patrick --- On Thu, 11/8/12, Draz wrote:I'm trying to understand a bit more about Tasigna costs and the US healthcare system. I live in the Netherlands and am looking into moving to the States due to a better job position at the moment all medicine is free for me due to the healthcare system here. How much do you guys pay out of your own pocket each month for the medication (150mg per pill at 4 pills per day)? Do you pay the full 5k per month or do you get a large chunk back? I'm basing my job choice on this because if I can make more money but go broke due to costs then I'd rather stay in Holland. -- [CMLHope] A support group of http://cmlhope.com - You received this message because you are subscribed to the Google Groups "CMLHope" group. To post to this group, send email to CMLHope@googlegroups.com To unsubscribe from this group, send email to cmlhope-unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/CMLHope
