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Thread: Catastrophic Health Insurance

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    Default Catastrophic Health Insurance

    Is anybody - in America - considering catastrophic health insurance while teaching in Japan. I understand we will have access to the Japanese health insurance but - as Americans know - coverage here in the states for something serious can economically wipe you out without insurance. We will only be covered while in Japan. I'm thinking if something happens while in Japan, serious illness or injury (God forbid) that requires long term care back in the states we would be screwed. After college I had such a plan for 3 months that was roughly $60 a month, they covered anything that cost over $5 or $7 grand up to $1 million. Any thoughts out there? I'm 25 and healthy but thinking ahead - just imagine the nightmare when we are *forced* to buy government approved health care plans in 2014 at $3,000 - $5,000 a year!

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    Quote Originally Posted by Laxmaan70 View Post
    Is anybody - in America - considering catastrophic health insurance while teaching in Japan. I understand we will have access to the Japanese health insurance but - as Americans know - coverage here in the states for something serious can economically wipe you out without insurance. We will only be covered while in Japan. I'm thinking if something happens while in Japan, serious illness or injury (God forbid) that requires long term care back in the states we would be screwed. After college I had such a plan for 3 months that was roughly $60 a month, they covered anything that cost over $5 or $7 grand up to $1 million. Any thoughts out there? I'm 25 and healthy but thinking ahead - just imagine the nightmare when we are *forced* to buy government approved health care plans in 2014 at $3,000 - $5,000 a year!
    You worried about getting sliced up by some drunken samurais, and sent back to the states as a vegetable?

  3. #3

    Default Re: Catastrophic Health Insurance

    I'm looking for a plan that covers Samurai attack, so far nobody covers Samurai attack only Ninja attack which is ridiculous because - like - what are the chances of getting attacked by a ninja?!

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    Senior Member silverx7's Avatar
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    Quote Originally Posted by Laxmaan70 View Post
    I'm 25 and healthy but thinking ahead - just imagine the nightmare when we are *forced* to buy government approved health care plans in 2014 at $3,000 - $5,000 a year!
    id like to point out that the entire reason for this post was so laxmaan could have an excuse to post his opinion on the health care bill

    thank you and goodnight

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    Feckless Manchild Otaku word's Avatar
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    Quote Originally Posted by Laxmaan70 View Post
    Is anybody - in America - considering catastrophic health insurance while teaching in Japan. I understand we will have access to the Japanese health insurance but - as Americans know - coverage here in the states for something serious can economically wipe you out without insurance. We will only be covered while in Japan. I'm thinking if something happens while in Japan, serious illness or injury (God forbid) that requires long term care back in the states we would be screwed. After college I had such a plan for 3 months that was roughly $60 a month, they covered anything that cost over $5 or $7 grand up to $1 million. Any thoughts out there? I'm 25 and healthy but thinking ahead - just imagine the nightmare when we are *forced* to buy government approved health care plans in 2014 at $3,000 - $5,000 a year!
    Good lord, where on earth are you getting your information about the JET program and the insurance you'll have? Most of the information you've written here is completely untrue. Let's dissecting this post:

    Quote Originally Posted by Laxmaan70 View Post
    Is anybody - in America - considering catastrophic health insurance while teaching in Japan?
    What is "catastrophic health insurance?"


    Quote Originally Posted by Laxmaan70 View Post
    coverage here in the states for something serious can economically wipe you out without insurance.
    Carrying insurance can wipe you out if you don't carry insurance? I know insurance is expensive in the 'States, but your insurance here is paid for and your JET salary is good. Don't stress about it!

    Quote Originally Posted by Laxmaan70 View Post
    We will only be covered while in Japan.
    This is NOT true. I won't speak for every ALT, but my insurance covers me overseas (they reimburse costs, however, so I always buy travelers insurance when I travel. It's cheap and keeps me feeling secure).

    Quote Originally Posted by Laxmaan70 View Post
    I'm thinking if something happens while in Japan, serious illness or injury (God forbid) that requires long term care back in the states we would be screwed.
    Again, NOT true. My insurance plan offers me lifetime benefits if I'm seriously hurt here. I don't know if my insurance plan is the same as other ALTs, but you'll get a lot more information when you actually get your contract, so try to rein in some of the speculation.

    Quote Originally Posted by Laxmaan70 View Post
    Just imagine the nightmare when we are *forced* to buy government approved health care plans in 2014 at $3,000 - $5,000 a year!
    Don't worry, the New Socialist Republic of Obama will subsidize your health care costs, I'm sure.

    Look, worrying about health insurance should be the furthest thing from your mind right now. You WILL have coverage in Japan (and probably overseas, and if not, you can buy travelers insurance before each trip; it's dirt cheap). When you get your contract, read it. Odds are, you won't be so worried. Their healthcare system is not nearly as screwed up as ours in the 'States, and not even close to as screwy as GB. If something happens to you, you'll be cared for. You're young and healthy! Who gives a crap? Go out and get drunk! Enjoy yourself!
    Quote Originally Posted by 00Bear00 View Post
    When I read your post I suddenly feel like I am so far away from being crazy.
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    Quote Originally Posted by Ananasboat View Post
    It's festivals days like these on which I really try really hard to make up for not partying in college.
    yeah, because who needs free flowing drugs and alcohol fueling adventorous sex with taut, lithe young bodies when you could wander around a dying town in the freezing cold with a can of asahi super dry in your hand while some toothless old farmer shouts at you.

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    Senior Member Village Drunk's Avatar
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    Quote Originally Posted by Laxmaan70 View Post
    I'm 25 and healthy but thinking ahead - just imagine the nightmare when we are *forced* to buy government approved health care plans in 2014 at $3,000 - $5,000 a year!
    Quote Originally Posted by word View Post
    Their healthcare system is not nearly as screwed up as ours in the 'States, and not even close to as screwy as GB.
    lols

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    Default Re: Catastrophic Health Insurance

    I'm still bitter at the amount I was charged for my medical.

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    Quote Originally Posted by Cataphract View Post
    but not at being forced to take off your top?
    It was medically necessary!!! He was checking my squirmy insidey bits were safe and stuff.

    At least he didn't headbutt me!

  9. #9

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    Hello "Word"
    First off, you claim: "Good lord, where on earth are you getting your information about the JET program and the insurance you'll have? Most of the information you've written here is completely untrue. Let's dissecting this post:"

    1. You don't know what catastrophic health insurance is? Briefly, it's a policy with a very high deductible - in return you pay a low monthly premium - but you are covered in the event of a high cost medical event occurring (for example you discover you have cancer, or are paralyzed in an accident, or find you are stricken with any number of illnesses that are both costly and lengthy in their duration.) Many young people use these policies to protect themselves from the extreme "catastrophic" event

    2. Not carrying health insurance can easily wipe you out, this is well known within the States. My sister recently had a seizure while at college - found out she was epileptic - but in the course of spending less than a week in the hospital ran up over $20,000 in medical expenses. If you don't have any form of insurance that covers said cost in the US, this can easily wipe your ass out.

    3. JET insurance - as I've read it - will not cover you if, for example, you find you have a malignant brain tumor (it runs in my family) fly back to the states to see some of the world's best neurologists and run up $100,000 fighting it over the course of 12 months, and yes it can easily cost this much as I know from family experience. In such a case, the best approach I can think of is to have a catastrophic policy a.k.a. High Deductible Health Plan to cover your arse.

    4. "New Socialist Republic of Obama will subsidize your health care costs, I'm sure" ~ exactly, it is us (younger taxpayers) who will subsidize the health care of the elderly and the sick by paying inflated health care cost premiums in order to subsidize the Baby Boomer generation ballooning health care costs. The "catastrophic option" that many 20 somethings use (because it's both economic and provides coverage in extreme cases ) will be removed from the table and instead of paying $300 - $600 a year for said policy you will be *forced* (think Thomas Jefferson, Thoreau) to purchase the government approved policy at roughly $3,000 - $5,000 or pay a penalty to the IRS of 5% of your income. When you get the bill maybe you'll wake up and realize there was nothing "free" about the Health Care bill especially for our generation (don't forget we're already on the tab for the debt that our elder generations enjoyed running up, not to mention the pension promises, S.S. obligations, and Medicare/Medicaid obligations).

    Lastly, the issue was not raised to bring up my viewpoint about Health Care but rather - I assumed - others were considering similar issues. As I mentioned earlier though I've had some family members become ill and the cost of caring for them was astronomical, otherwise this entire thing probably wouldn't be on my radar either with all due respect.
    Last edited by Laxmaan70; May 3rd, 2010 at 10:12.

  10. #10

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    Quote Originally Posted by silverx7 View Post
    id like to point out that the entire reason for this post was so laxmaan could have an excuse to post his opinion on the health care bill

    thank you and goodnight
    And I'D like to point out that this thread has indirectly resulted in me actually agreeing with this douche.

    (Moderation starts tomorrow, right Cat? )

  11. #11
    writes letters to Edwin mrfahrenheit's Avatar
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    Quote Originally Posted by Laxmaan70 View Post
    3. JET insurance - as I've read it - will not cover you if, for example, you find you have a malignant brain tumor (it runs in my family) fly back to the states to see some of the world's best neurologists and run up $100,000 fighting it over the course of 12 months, and yes it can easily cost this much as I know from family experience. In such a case, the best approach I can think of is to have a catastrophic policy a.k.a. High Deductible Health Plan to cover your arse.
    Dude, if you have a health problem like that on the JET program, you aren't going to be on the JET program anymore. There's no way you can disappear for twelve months and still have the job. Since that is the type of problem you want "catastrophic" health insurance for, then yes. Get some. Because I sincerely doubt the insurance you have with JET would help you even if you decided to stay in Japan to see some of the world's second-rate neurologists.

    I don't get the purpose of your first post? Are you just looking for others that agree with you and are willing to pay the $300-$600 (a very assuming figure) a year you plan on paying for insurance in the US? It isn't a bad idea, but it is not exactly in the budget for someone like me.
    Quote Originally Posted by Cataphract View Post
    They're FUCKING MEETING ABOUT POTATOES AGAIN

  12. #12

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    Word: don't let that shiny new badge go to your head! It seemed obvious he meant health coverage, not insurance coverage, would wipe a person out. Then again, he didn't specifically say it like that, so you both lose.

    The JET coverage is pretty comprehensive though, so long as you're hurt in-country (or are covered under the overseas policy). It never hurts to have a bit of extra insurance though. I have an $8/month policy (up to $500,000) through my credit card, plus there's the JET life insurance policy as well.

    lax: will that plan you're talking about be taxed as one of those "Cadillac" plans?
    "In his heart of hearts, he knows that you're on your own at this level..of big nose monkey snooker"

  13. #13

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    Guys I apologize, I truly didn't mean to blow this up into a large debate. My intent - and question - derived from me thinking "what if something terrible happens while I'm there how far will my coverage stretch?" I'm in perfect health, I'm young, and the chance of any such thing happening is extremely low. The $8/month coverage mentioned on your credit card is an idea I will look into. Some of you - from other countries - may be thinking WTF but for those of us in the US if you develop any long term health issues the costs can be enormous and I was simply looking to protect myself in such a case. No, such a plan will not be taxed as Cadillac those are only very expensive plans above $20,000 I believe. Many of us are young, the thought of health insurance is probably far from our mind but I do think it's worth considering "what if I develop something like leukemia while abroad who will bare the absurd medical costs of getting it treated when I have to return home to America?" Illness for 12 months, of course I would expect to lose the JET job but - in such a fight for life - I was curious as to who would bare the cost. I think - as mentioned - additional, cheap coverage is the smartest approach. Again, I did not mean to blow this up into a debate about Health Care.
    Last edited by Laxmaan70; May 3rd, 2010 at 11:19.

  14. #14
    ITIL's Favorite Beaner! Gusuke's Avatar
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    Default Re: Catastrophic Health Insurance

    Great another shitheel who probably lied about a medical condition to come onto JET.

    Japan has pretty awesome healthcare and as Americans I Don't think we're in a position to criticize any other G8 nation healthcare systems.

  15. #15

    Default Re: Catastrophic Health Insurance

    Who is criticizing Japan's health care system?

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    Quote Originally Posted by Laxmaan70 View Post
    I'm looking for a plan that covers Samurai attack, so far nobody covers Samurai attack only Ninja attack which is ridiculous because - like - what are the chances of getting attacked by a ninja?!
    Everyone knows that the only reason the odds seem low is because the ninjas are so sneaky they make you think it was caused by natural illness.
    "I can't prove it, but I can say it."

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    Default Re: Catastrophic Health Insurance

    or disaster

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    Default Re: Catastrophic Health Insurance

    I'M SORRY, I CAN'T HEAR YOU OVER THE SOUND OF THE NHS BEING SO AWESOME AND FREE.

  19. #19

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    Quote Originally Posted by dakyras View Post
    SO AWESOME
    Their rationing policy - Scotsman.com News

    AND FREE.
    and your 33.5% income tax / 17.5% VAT disagree with both those statements.
    Last edited by ten_of_spades; May 3rd, 2010 at 21:58.
    "In his heart of hearts, he knows that you're on your own at this level..of big nose monkey snooker"

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    Quote Originally Posted by ten_of_spades View Post
    Their rationing policy - Scotsman.com News



    and your 33.5% income tax / 17.5% VAT disagree with both those statements.
    33.5%? Where you getting that from?

    But yes I agree we're more heavily taxed (and unfortunately that is likely to continue with the present deficit). Though income tax is actually banded, from 0% for those with low-incomes and 10% on savings, to 50% for the highest earners.

    And VAT doesn't directly fund the NHS - surely the US has sales taxes too.

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