Word: out-of-pocket
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...they have paid into the system during their working lives. Medicare will cover only emergency care if it occurs within 60 days of leaving the country. To utilize their benefits, Medicare-eligible American citizens in Mexico have to opt for periodic flights home or else choose to pay out-of-pocket medical expenses. And because expatriates have diverse geographic origins in the U.S., there are no specific congressional districts they can pressure to legislate change in the Medicare rules on their behalf...
...better deal, of course, but their price tag is growing even faster - up 6% or more. All this in a year where the cost of most everything else (as measured by the Consumer Price Index) actually fell. There is a silver lining: increased aid and tax benefits mean out-of-pocket costs for school are lower than they were five years ago, although only slightly. (Read "Germany's Ph.D. Scandal: Were Degrees Bought...
...Out-of-pocket costs have drifted down: While tuition and fees have risen by up to 20% since 2004, the average net price of college has dropped. Due to the greater availability of grants, financial assistance and tax benefits, students pay an average of $1,100 less at private schools and $400 at public schools than they did five years ago. (The aid and benefits total $14,400 at private schools, $5,400 at public four-year schools and $3,000 at public two-year schools). In fact, after benefits, an average student at a two-year college or university...
...reform if they could "provide health-care coverage that is at least as comprehensive" as provided for in the Baucus bill and prove their state proposal "would lower health-care-spending growth, improve the delivery-system performance, provide affordable choices for all its citizens, expand protections against excessive out-of-pocket spending, provide coverage to the same number of uninsured and not increase the federal deficit." Another Finance Committee member, Delaware Senator Thomas Carper, is reportedly considering introducing a proposal on the Senate floor to allow states to run cooperatives, open up their benefits plans for state employees or even...
...least 95% of residents in a given state. Affordability is defined as premiums costing no more than 13% of adjusted gross income for those earning more than 300% of the federal poverty line (or around $66,000 for a family of four); for those earning less, the out-of-pocket maximum ranges down to 3% of income. (See 10 players in health-care reform...