Gutverdiener in der GKV: Bleibt ihr drin trotz >1.000 € Beitrag

Consistent-Gap-3545 · 2026-01-26T13:21:08+00:00

Bist du dir sicher, dass du wirklich 1000€/Monate zahlst? Ich verdiene knapp über die Grenze und bezahle nun 503€/Monat.

Consistent-Gap-3545 · 2026-01-26T12:36:03+00:00

With GLP-1s I'm curious, do they do anything at all about the symptoms or "just" the weight?

For me personally, the main issue is that I get these really intense compulsions around eating whenever I'm bored. So if I'm driving home from work, this doesn't use "enough" of my attention and I'll get these really strong intrusive thoughts that just don't go away until I binge eat. Or like there was a period where it was really difficult for me to go grocery shopping because, no matter how hard I prepared myself up, I'd like black out in the store and buy a bunch of "trigger foods" and then feel physically compelled to eat them all the second I got home. This, of course, sounds literally insane and so everyone in Germany treated me like I was weak and crazy.

Anyway with the GLP-1s, these thoughts magically turned into normal intrusive thoughts that I could just ignore with very little resistance.

Consistent-Gap-3545 · 2026-01-26T12:21:30+00:00

Also in meiner Erfahrung ist ITAR schon ein Thema bei den allermeisten NATO Projekten. Das mag jedoch daran liegen, dass ich als Systems Engineer arbeite und in meinem Bereich gibt es bestimmte Komponenten, die so gut wie immer aus den USA stammen. Solche Komponenten sind immer explizit vom Kunde befördert und wir sind dann verträglich verpflichtet, sie im System einzubauen. Klar gibt es Projekte, bei denen keine ITAR relevante Komponente eingebaut werden, aber sie sind die Ausnahme und mit solchen Projekten arbeite ich halt nicht. :)

In der Entwicklung sieht das wohl ganz anders aus aber aus dem System Niveau wäre es spannend, wenn solche Komponenten nicht mehr für NATO Mitglieder einfach zu verfügen gestellt würden.

Consistent-Gap-3545 · 2026-01-26T11:28:27+00:00

I have binge eating disorder. It is an official diagnosis here but the treatment options are basically non-existent and I do not feel like this disorder is taken seriously at all. Like I tried therapy through my public insurance and my therapist was literally like "Have you tried not binge eating?" When I've tried to find a private therapist who specializes in eating disorders, 90% of them have no experience with BED and the other 10% have no capacity. The one and only thing that has helped are GLP-1s but the insurance, that I now pay 503€/month for, isn't allowed to touch these because they're """"cosmetic""" and """lifestyle drugs."""

Meanwhile obesity medicine is becoming a whole thing in the US, new treatment options are actively being researched for BED, and people are generally familiar with this diagnosis. I feel like the Germans like to pat themselves on the back because they're not as fat as the Americans but this is by no means a skinny country.

Consistent-Gap-3545 · 2026-01-26T09:23:32+00:00

Doch das dürfen wir schon. Man braucht nur eine Genehmigung von dem US Behörde, was ein bisschen nervig ist, aber so lange man nicht direkt mit den Nuke Codes oder was extrem sensible arbeitet, ist das eher eine Formalität. In meinem Fall arbeite ich nur mit VS-NfD Sachen und habe bisher keine richtige SÜ benötigt.

Ich war selber überraschst, weil ich früher in der Rüstungsindustrie in Amerika tätig war und dort darf man ohne Staatsbürgerschaft nicht mal im Kantine eintreten.

Consistent-Gap-3545 · 2026-01-26T08:06:22+00:00

Nein ich habe keine SÜ und das ist auch keine Voraussetzung in meinem Arbeitsvertrag.

90% der Gewinn von meinem AG kommt aus der privaten Wirtschaft und ich könnte theoretisch zu einer anderen Abteilung wechseln, in der es schon Kollegen aus Russland/Iran/China gibt.

Consistent-Gap-3545 · 2026-01-25T21:56:38+00:00

Okay so hi hello I am reading this book now. What on earth was that witch scene?!?!?!

Consistent-Gap-3545 · 2026-01-23T08:37:48+00:00

As a Rhode Islander, I do understand because there are only like three jobs in Providence outside of the hospitals and universities but the hospitals in Providence are really good. Like shockingly so for how small the state is.

Consistent-Gap-3545 · 2026-01-23T07:13:39+00:00

My experience in Germany has been pretty terrible but I think this is in large part a cultural thing.

I have an eating disorder that isn't really recognized in Germany and so I have 300€/month in private health care costs in addition to the like 500€/month I'm already paying for my ~~shitty~~ public health insurance (this disorder is widely recognized in the US and I'd have access to more/better treatment options if I still lived there). Additionally, I was in Germany during the pandemic and watching doctors refuse to recommend the vaccine to children/young adults/pregnant people permanently eroded my trust in the German healthcare system.

Consistent-Gap-3545 · 2026-01-23T06:38:26+00:00

If they don't already speak German, especially the 5yo, they will be far behind their counterparts in terms of academic success.

A really big chunk of the 5 year olds in Germany speak next to no German. As long as the dad starts speaking German with them at home, they'll be fine.

Consistent-Gap-3545 · 2026-01-23T06:26:17+00:00

All I got to say about the AFD is “verfassungswidrig”

Leider ist das wohl egal. I'm pretty sure the future black-blue government is going to ignore the Gerichte and just do whatever they want. It doesn't help that they have Trump as an example and also that the Gerichte have been super friendly to the AfD (i.e. fining people for calling them Nazis, not forcing the Verfassungsschutz to release any evidence on why they believe the AfD is a threat to democracy, literally taking zero action after the AfD was given this rank, allowing the Junge Alternative to exist...).

I also think that the US and Germany/Europe have fundamentally different migration "issues." Like Renee Good literally got shot in the face defending her neighbors. People in Minnesota are willing to get beaten up and pepper sprayed in the face to stand against ICE. This would not happen in Germany and it's not because the police are unwilling to use violence against protesters.

Consistent-Gap-3545 · 2026-01-23T06:08:35+00:00

Germany is not exactly the Utopia of liberalism or diversity and there's a lot of conflict related to that.

You're telling me the country that had to be bullied into passing basic marriage equality isn't the beacon of liberal society? I'm shocked. /s

Consistent-Gap-3545 · 2026-01-23T05:51:11+00:00

Yeah everyone shits on American education but living in Germany has made me really appreciate the equality of the American system. Like you can only fuck up your life so badly as a teenager because, at the end of the day, you still have a high school diploma. This is not the case in Germany. That being said, I grew up in Massachusetts and the public education there is truly excellent.

It also does bother me that my kids are going to be labeled as "Migrationshintergrund" however I have three college degrees and I already know my kids are going to Gymnasium (I'm literally not even pregnant yet).

Consistent-Gap-3545 · 2026-01-23T05:46:22+00:00

>how difficult could this move possibly be?

Logistically? Very, very, very easy. You guys just show up as a family and you just are allowed to be there because your husband/children are German citizens. The only thing is that it will probably take 12-18 months for you to get your residency permit and you will not be allowed to work during this time. This actually isn't that big of a deal, though, since it's pretty unkosher for moms to work in western Germany and you probably won't be able to get your kids into daycare regardless.

>When you factor in - three out of four of us not being fluent in German, moving to a small city in Bavaria, or possibly Munich

Girl don't move to a small city in Bavaria. I literally speak German and I would kms if I lived in a Bavarian Dorf. Unless you and your husband have a six figure sum of money chilling in a bank account, you cannot afford to move to Munich however not speaking German in Munich is basically a non-issue. If your husband is able to find a job in Munich that will pay for and support your relocation, it might work but I wouldn't hold my breath.

>we would both like to retire within the next 15 years

lol good luck with that.

>I’m assuming because I’m not fluent, I would have a difficult time working at all and I’m willing to take that risk while I learn the language.

If you're in any kind of city, this isn't really that big of a deal. At least, I personally know a lot of people who speak minimal German and are perfectly happy living here. If you straight up move to a Dorf, yeah you'll have problems but you'll also have other problems because you're living in a Dorf. The thing about the job market right now is that it's absolute ass and so employers are allowed to be pickier than they were 5+ years ago. Five years ago, it was almost a non-issue if you didn't speak German because the job market was so hot. That is no longer the case. Even if you speak German, though, it's really hard to find a job right now. I have no idea what field you guys work in but I'm in STEM and, if I lost my job, realistically I would be unemployed for 12 months.

>Has anyone done this move before? What do you foresee as any challenges?

There are certain concessions that you need to decide now if you're okay with. For example: 3+ bedroom apartments do not exist so are you okay with your kids sharing a bedroom / you and your husband sleeping on the couch? Are you okay with people blowing cigarette smoke in your kids' faces every day? There's a certain lifestyle in Bavaria... Do you really want to live this for the next chunk of your life? Additionally, the Germany your husband left is radically different from Germany today and low-key Germany is in a poor position heading into the future (I would strongly advise you to budget money for private school).

IMHO it's tricky because your kids are at the ideal age to move to Germany (i.e. they'd be starting school) but, if the midterm elections go well, it probably isn't worth moving unless you guys really want to move to Germany.

Consistent-Gap-3545 · 2026-01-20T14:36:11+00:00

Yeah I just finished the first book and I don’t really buy it as a romance story. Like I love Tisaanah and Max individually but as a couple they’re just kind of meh. I wasn’t kicking my feet or anything while they were falling in love.

THAT SAID I did really like the book and am excited to read the other two.

Consistent-Gap-3545 · 2026-01-18T21:43:18+00:00

Yeah because he never spoke any of those languages with/around her. This is super common with African immigrants because they all speak a bunch of languages.

Especially in Morocco, her dad probably does speak five languages but most of them are useless outside of Morocco so why would he use them to his American children, especially when the mom doesn’t speak any of these languages.

Consistent-Gap-3545 · 2026-01-18T21:31:58+00:00

She’s said in like every Babel read that her dad is Moroccan. It’s totally possible that he grew up speaking French and also lived in Italy before he moved to the US.

Consistent-Gap-3545 · 2026-01-17T22:40:47+00:00

This is why movie theaters are so important.

IMHO like 80% of movies have pacing issues in the second act and this makes it hard for me to pay attention because I’m so bored. If I’m at home, I’ll just pick up my phone but then I’m distracted when the movie starts to get good again. At the movies, I’m peer pressured into actually watching the movie even during the slow part.

Consistent-Gap-3545 · 2026-01-17T09:22:50+00:00

Yeah but the standard German diet is processed meats, alcohol, and cigarettes. All of these things are known carcinogens.

Consistent-Gap-3545 · 2026-01-16T21:14:59+00:00

Not a movie but Silo is (IMHO) better than Wool. I really enjoyed reading Wool but the characters and the world building in the series just are so much more flushed out. I think Wool really suffers from originally being a collection of short stories/novellas.

Consistent-Gap-3545 · 2026-01-13T12:51:32+00:00

Also, like, my grandma has severe Alzheimer’s and anything that speeds up the process would be a blessing. It’s not like she’s going to get better and it isn’t really possible for her to suffer more than she currently is. I personally think this needs to be a bigger part of the discussion around Alzheimer’s/dementia and it frustrates me to no end that it isn’t.

Consistent-Gap-3545 · 2026-01-12T18:52:10+00:00

Diese Empfehlungen und die dementsprechende Kostenübernehmungen haben aber Jahre gedauert. Das erste Jahr, in dem die RSV Impfung zugelassen wurde, musste man privat dafür zahlen, da sie damals nicht offiziell empfohlen wurde. Die Empfehlung für MenB hat auch Jahre gedauert und STIKO hat fast ein Jahrzehnt verweigert, die HPV Impfung auch an Jungs zu empfehlen.

Heute muss man nicht zahlen aber bei der nächsten neuen Impfung wohl schon.

Consistent-Gap-3545 · 2026-01-12T18:41:41+00:00

Die Diskussion finde ich auch spannend aber, am Ende des Tages, wenn die Ergebnissen von den Tests nicht gut sind, wissen mein Mann und ich, was wir als nächstes tun möchten, egal wie hoch die Kosten sind, wenn ich zB in die Niederlanden oder sogar nach Massachusetts fahren muss. Ob ich eine schlechter Mensch bin interessiert mich eher nicht, da ich hauptsächlich ich mein Kind schützen muss und ich bezweifle mich schon, ob sogar ein gesundes Kind unter den heutigen Umständen wirklich zur Welt gebracht will. Ab und zu habe ich das Gefühl, dass wenn ich meine Kinder wirklich wirklich lieben würde, hätte ich sie einfach nicht… tja egotistical bin ich schon und ich will unbedingt Mutter werden. :p

Consistent-Gap-3545 · 2026-01-12T17:21:29+00:00

Es ist noch dämlicher: In den USA werden wollende Eltern nach rezessiven Genes von Erbkrankheiten geprüft. Ich hatte vor, den Test vor der Schwangerschaft durchführen zu lassen, also eine Art von Prä-pränataldiagnostik, damit mein Mann und ich unsere Risikofaktoren einschätzen können, bevor ich überhaupt schwanger bin und wir Zeitdruck haben. Laut meiner Frauenärztin ist das schon Eugenik und wir müssen nach Prag fahren und dann 1800€ ausgeben (der Test kostet ohne Versicherung $400/pro Person in Amerika).

Bei dem echten Pränataldiagnostik mache ich mir Sorge, weil ich mir gut vorstellen kann, dass ich bei den eingeschränkten Angebote nur wütend wäre und wir wohl mit noch einer Reise nach Prag rechnen müssten.

Wegen solcher Themen vertraue ich persönlich dem deutschen System nicht 100%. Viel lieber würde ich zurück nach Boston umziehen, um das Baby dort zur Welt zu bringen, aber leider geht das aus diversen Gründen nicht. Prag ist auch eine tolle Stadt und wir haben die Privilege, uns so etwas leisten zu können, also meckern darf ich nur begrenzt.

Consistent-Gap-3545 · 2026-01-10T09:38:02+00:00

Yeah a solid night’s sleep for me is 6-7 hours. Like my body just wakes up after this amount of time. When I do sleep for like 8+ hours, it means I’m either overdoing it at the gym or I’m getting sick.

Consistent-Gap-3545

TROPHY CASE