On the phone or in person, a goodbye is often preceded by “take care,” the equivalent of the Russian “shastlivo!” (“happily”) and the French “bises” or “bisous” (“kisses”, the latter for people you are closest to).
Though it comes from the expression “take care of yourself” (“prenez soin de vous” and “prends soin de toi” for the formal/plural and informal/singular respectively in French), it is by no means used solely when a person isn’t feeling up to par. (“Get well soon” is “Soignez-vous bien” or “Soigne-toi bien” in French and “Skoreishovo vuizdorovlenia” in Russian.)
However, as I re-enter the only country where I have felt truly frightened of falling ill, the words take on their original meaning once again for me. Take care of yourself because your health insurance certainly won’t.
US Americans who pay for their own insurance could purchase a new car every year with what they pay in medical. Upon investigation, I was able to find nearly the equivalent of my state-provided insurance in France: everything is covered, there are no co-pays. Of course, the American insurance doesn’t provide dental or optical since eating solid food and seeing are optional luxuries. And of course, this American insurance costs $3600 a year for my husband and me, and there is a $12,000 deductible, for a total of $15,600 a year, whereas my French insurance was “free” (paid for in taxes that did not total $15,600 a year).
For you, gentle reader, who might come from a nation of innocents and not be familiar with these terms, a “deductible” is the total amount of medical bills you must pay before the insurance begins to pay. A “co-pay” is the amount you pay every time you go to the doctor or hospital.
An acquaintance of mine had to go to emergency and, after her tests that day, ended up with a bill of $30,000. Most insurance policies have a 20% co-pay for hospital. That is, she would pay $6,000. With the insurance described above (no co-pay), she would pay the deductible first ($12,000) and then the insurance would pay the rest ($18,000). It sounds like the first option is the better deal, but if she has to go to the doctor again, she will continue to pay 20% of all future bills. In the second insurance example, she no longer has to pay anything once she has forked over her $12,000 (for the year).
I consider the second insurance policy similar to the French system (just $15,000 more) because in the first example, it is impossible to know your final budget. If your medical expenses end up costing you $200,000 (and the great thing about medical technology today is that this could certainly happen), you have to pay $40,000 (plus the actual cost of having the insurance, at least $100 a month but increasing with age).
Either of those options is a bargain, though, compared to the “student discount” offered by Anthem Blue Cross through Wells Fargo Insurance Services. If a grad student wants to cover herself and her husband, it costs $1305 a month ($15,660 a year) in insurance fees. There is still a $500 annual deductible, plus 20% co-pays on everything, plus a maximum coverage of $100,000 per person per year.
So, let’s say my husband doesn’t get sick, but I do, and I have a total of $200,000 in medical bills in one year. That means our total health care costs are $15,660 for the insurance + $250 for the deductible + $39,850 in co-pays + $100,000 because the insurance won’t cover the second $100,000. That means I have paid a total of $155,760 and my insurance has paid $44,240. Now I can see why the insurance companies complain about the fortune they have to pay. I, on the other hand, can easily manage my share of the bill if my husband and I both sell a kidney.
Fortunately, most people are employed and are thus covered by their companies, right?
Wrong. Most companies do everything in their power to employ part-time workers to avoid paying for health care, which is understandable, because medical coverage is the equivalent of doubling the salary.
Many Americans, even those who have insurance, pray they won’t get sick because after they’ve paid for coverage they can’t afford to go to the doctor anymore. Is the problem greedy insurance companies? expensive medical treatment?
Don’t ask me. I’m just a linguist. All I’m here to say is the next time you tell an American “Take care,” say it with genuine pity and concern because this is the land where doctors are not free, the home of those brave enough to pull out an aching tooth with pliers to avoid dental fees.
Yes, take care, fellow Americans. I wish you well.
Like this:
Like Loading...