該在台灣爽還是去美國拼一發? - 薪水

By Jacob
at 2023-01-16T13:46
at 2023-01-16T13:46
Table of Contents
看了這個討論串,我也想來分享一下我對台灣vs美國醫療的感受
我跟我老婆201X來美國讀書,我讀完碩士就開始在美國軟體業工作,前後待了三間軟體公
司。我老婆則是讀完博士和拿到專科執照到了美國某間常春藤學校當教授。
轉眼間,我們就在美國待了快十年。我老婆一直都想回台灣當老師,幫助他的領域栽培更
多學生,所以我們一直有考慮幾年之後回台灣。只是沒想到今年我們回台灣做個健檢發現
我老婆得了癌症,緊急一個星期之內動手術切除腫瘤,之後就是漫長的化療。也因為這樣
加速了我們回台灣的計畫。
食衣住行育樂都被討論到爛,我這邊想要特別討論醫療。
先說美國和台灣沒有誰好誰壞,只有你想要的是什麼。
美國
優點
1. 有全球最新的醫療技術
2. 基礎醫學研究世界第一
3. 各種 clinical trial 只有美國才有
4. 醫療院所真的高級、重視病患隱私
缺點
1. 跟台灣比效率低落
以我老婆的case,美國不可能早上得知有癌症,下午就排到專科,隔週住院開刀,然後
隔幾天緊接著化療。美國比較可能是:家醫科 => 專科 => 抽血/掃超音波 => 專科 =>
手術。每個步驟可能都間隔一星期,等到真的要開刀可能快一個月之後。
2. 美國礙於保險幾乎不主動做進階檢查
我們平常都有在台灣健檢,老婆2019的健檢就有一個癌指數偏高,台灣醫師建議追蹤。
我們回美國找專科,專科居然說年輕女性這個項目偏高是正常,也沒有掃超音波,我們
也就覺得沒事。每一年在美國的專科追蹤他們也都說沒事。這次回台灣醫師說在台灣健
保一定讓你掃超音波抽血追蹤。
3. 美國醫療開銷貴
但公司有好的保險,一年最多可能出到幾千美金就好(我們公司大約就是5000美金)
美國醫療就是資本主義,每一步都牽扯到保險,同一間醫院可能不同醫師是掛在不同保
險公司。有些美國醫師還為了多賺錢要你去他有合作的MRI/CT等等做或是做沒必要的檢
查。
台灣
優點
1. 健保 (這就不用多說了)
2. 醫師護理人員比較好
我個人覺得尤其台灣醫師平均素質高很多,畢竟台灣當醫師是PR99。美國除了那幾間真
的比較厲害的醫學院,其他出來的醫師我真的不覺得比台灣醫生好。美國強的很多跑去
其他領域,不像台灣是最優秀的人都往醫學系跑。
3. 任何醫療的效率和台灣的人情味。
4. 便宜:我們手術+化療+兩個星期單人病房才不到台幣10萬。
缺點
1. 沒有最新的Clinical Trial
2. 病患比較沒隱私,常常在洗澡衣衫不整的時候就會有清潔人員闖入要整理環境
再一次強調,美國vs台灣沒有誰好誰壞,只是取決你要的是什麼。
※ 引述《do0622 (do)》之銘言:
: 稅前30,大概稅後20出頭
: 如果沒有追求短期內要在加州置產,生活的確過的還行不至於到拮据
: 房子不挑要租特別豪華或特殊好學區地段,4500鎂可以租到很不錯的condo/apartment/
Townhouse了
: 假設公司真的會辦綠卡,是覺得可以來看看,體驗不同國家的生活型態/工作文化/休閒
娛樂等
: 好處的話,對找工作我相信有這個經驗回台灣也是加分的,而且這裡街道市容交通規劃
整體還是比台灣好;若您是喜好戶外活動,這裡有很多不一樣的行程(划船/滑雪/氾濫的
高爾夫球場/一堆國家公園等)可以規劃
: 壞處就是沒有便利商店,沒有平價的小吃,治安普遍比台灣差,加州物價數一數二貴
: 可以評估一下家庭平常生活習慣看適不適合美國的生活,只是有打算長期在美國甚至待
到退休,退休金(401K)以及小孩子的教育金(529帳戶)後續都是也要評估進去的開銷
: 至於練英文?要看工作環境還有自己有沒有想進修,很多前輩跟我說在加州不會講英文
還是活得下去,當時我秉持懷疑,但現在在這裡的確可以這樣感受到…
: ※ 引述《ghost80510 (ghost80510)》之銘言:
: : 小弟目前大概35
: : 算是還可以拼一發的年紀
: : 目前在一線ic廠當rd和老婆雙薪稅後大概400出頭
: : 其實在台灣算是過得蠻舒服
: : (因為長輩健在沒人跟我搶扣除額)
: : 美國有公司願意給簽證讓我全家過去
: : 去的話老婆大概專職先顧小孩
: : 畢竟沒有後援而且還有很多環境問題
: : 對方給稅前接近30萬鎂(畢竟沒有出國唸書加上這裁員的年頭好像其實還可以?)
: : 有承諾可以給綠卡
: : 有稍算過,扣掉稅跟房租生活費...可能存的沒有台灣多
: : p.s.貴死人的加州
: : 好處就是去練個英文,看看可不可有機會拿綠卡轉大廠再談薪水,小孩唸書教育也是
優勢
: : 有沒有大大待過兩邊,台灣稅後四百大概美國要多少才有一樣的生活品質?還是去美
國永
: : 遠沒有在台灣爽
: : --》推文聽起來美國年薪30大概就是台灣月薪30
: : 如果去個三年不拿綠卡回台灣找個外商是不是有點浪費?
: -----
: Sent from JPTT on my iPhone
--
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薪水
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