A terrible guide to the terrible terminology of U.S. Health Insurance

radiohead

NSA was great, but also worth a shout out to the Transparency in Coverage regulation. Idealistically will also mean that you should be able to get an (at least approximate) rate from your health insurance provider for a given service.

Also REMEMBER EVERYONE:
*If you have a procedure done that you are told is going to be covered and then when you get there to pay, they have an OUT-Of-NETWORK company give you Anesthesia but they never told you they weren't in-network & make you pay $2,380 for it, MAKE A COMPLAINT/APPEAL for it because not telling your patients about an additional out-of-network cost that's also being done is ILLEGAL.*
Because this is against the law, your insurance company will APPROVE your Appeal and the doctor's office who you paid will have to PAY YOU BACK THAT MONEY.
Get your money back!!! Don't overpay or let doctors get away with ILLEGAL shit like this!!
I just had it happen to me TWICE so they're having to pay ME back over $3,000.

Yo, my current job is in a department that *enforces* the rules of the No Surprises Act! 😁 This "no-choice" loophole was a thorn in my side for *years* because it was "technically" legal. Now I get to call bullsh*t on their billing practices with the federal government to back me up, and save regular people from getting billed for things completely out of their control.

To elaborate, the "easy-to-understand" requirement includes - most importantly - a price estimate of the cost of the services you will be receiving voluntarily by providers who are out of your insurance network. You must be given this paperwork at least 72 hours before the expected procedure - if you weren't given the papers, then it's on them to explain why, not you. It also protects you from hospitals contracting out their labs/radiology/anesthesia to third party companies that stay out of network because they know people have no choice. (There's one company in particular that provided *neonatal care* that stayed out of network to take advantage of this loophole. That's right, *preying on families with newborns.* I'm SO glad they're finally facing consequences.)

It is.

It is. The health care industry in America is a scam on top of a scam on top of a scam.

It's the SECOND greatest legal scam. The number one spot goes to student loans. But they often work in tandem to destroy people's lives (like mine).

Yes💀

@@vulpinemachine Tell me about it. I'm going to a 200k dollar uni (my dumbass thought it was 50k because they never said that amount was per year on their website and I trusted them on that figure, stupid me) and while the president is getting a key to the city and spending 22 million on a football stadium, the music building literally has fucking asbestos in the noise cancelling panels on the walls and one of the dorm halls has a mold problem, the asbestos being a completely open secret and the mold issue being an open fact.
The goal was never to make your life better. It's to give you the illusion that your life is better or will be better down the line

I don't usually leave comments like this, but this is genuinely one of the funniest and most encompassing descriptions I've ever heard for being an early 20-something. Thanks for the laugh and existential dread lol.

LMFAOOO

Is this a Sister Location reference? 💀

@@vitorpinho3290 idk i havent played it lol

@@vitorpinho3290 no but sister location is one of the many games that does this

Things have gotten to a point where this could be true

😂😂😂😂😂😂😂😂😂😂

Too funny!! Doing research on all of this and it seems the affordable health care act and the government and IRS and people running it..have been banking. They have been receiving $6400 a month or more .. definetly $300 a week for EVERYONE with a social security number! And GOD knows how long this has been going on for..and to just think only a handful of people have actually "applied" to recieve there entitled benefits. Seems super shady and a way to line the government's pockets. Investigation is continuing and hopefully EVERYONE will be informed of the TRUTH very soon.

mood

Ahhhh omg that's funny but not funny people go through that same situation every damn day because of stupid insurance rules

Lying until proven sickly

Yep.
If I were to say what I think should happen to the CEO's of the health insurance industry, I would be physiclly removed from this website.

Of course it is on purpose, they make seeking help so troublesome so people do it as little as possible so they can get that premium every month without offering a service.

I find it more mind-blowing that people, like yourself, prefer the chance of death over an insane hospital bill....I had friends just let me lay on their floor after a seizure during a hangout night (had too much beer as a diabetic) only because they thought my health insurance wouldn't cover the ER room. But they were sure to say how scared they were for my life....If I'm dead, I will have no bills anyway. JESUS CHRIST THIS COUNTRY IS INSANE!

@AssBlasster that's the thing, they fucking don't.
That's not what OP is saying, that's not what people in the US are saying. Most people want single payer. But the health industry lobbyists don't.

Hey nice name

lord knows public schools aren't stepping up

This is better than my works training

@@Weckacore no u.

No jokes, it took me 2 of the past 3 years working in specialty pharmacy to get all this.

I mean they wrote the code for their maximum gain. The question is why we allowed them to. Seems like a functioning democracy should have stopped such a disgusting predatory system. Yet support for public healthcare in the US is only around 50%.

I know and the game is so emersive! Hey, by the way, do you have any tips of turning it off?

A great amount of drugs and a gun gets you a secret ending tbh

Alternatively, being reckless or unlucky also nets you another secret ending as well.

@@chazdomingo475 Wanna know another funny little trick Politicians don't want you to know? Being a politician with money causes your vote to all of a sudden carry a lot more weight than if you were broke.

The funny thing is the only reason the private health system is results oriented is the money whereas the public one a person is able to float around in a malaise with no resolution

Is this accurate? Because the way you phrased it means 19 and 64 year olds don't qualify.

@@CMoore-Gaming I think "Between 19 and 64" includes ages 19 and 64.
I don't know why Nebraska would have a law banning two specific ages from medicaid.

@@4thaltThe vibes are off I guess?

Play this _in_ the insurance offices when you want to make a claim. Remember that scene in The Incredibles when Bob tells a client how to get her claim approved? That should be mandatory. People deserve to know how to benefit from their insurance.

AGREED!! ***ESPECIALLY*** before and during open enrollment.

Yo, same. I learned the hard way that even if you have a life change that qualities you to get health insurance at a different time, you still might not be able to get it. In Massachusetts if you don’t have health insurance for three months, you get dinged on your taxes and I ALMOST hit that, luckily my employer helped me out and I got my plan sooner than later. I fucking hate this system.

You basically need an equivalent of a lawyer for healthcare. During the ACA transition, some states wanted to block advocacy services that guide people through this insanity.

@here is the full clip stop spamming

🤣🤣🤣

Ha ha! Even just thinking about the existential crisis I would have over this totally nonexistent system is killing me! And I wouldn't be able to afford the medicine that would save me! 😂

Soooooo damn glad I'm German right now.
You go to whichever doctor you like, let them do whatever they want, and never even see the bill for the treatment.

Also REMEMBER EVERYONE:
*If you have a procedure done that you are told is going to be covered and then when you get there to pay, they have an OUT-Of-NETWORK company give you Anesthesia but they never told you they weren't in-network & make you pay $2,380 for it, MAKE A COMPLAINT/APPEAL for it because not telling your patients about an additional out-of-network cost that's also being done is ILLEGAL.*
Because this is against the law, your insurance company will APPROVE your Appeal and the doctor's office who you paid will have to PAY YOU BACK THAT MONEY.
Get your money back!!! Don't overpay or let doctors get away with ILLEGAL shit like this!!
I just had it happen to me TWICE so they're having to pay ME back over $3,000.

@@emilytada455 Same in Canada! And I’m thankful for it.

Btw if you know you are being charged unfairly DO NOT PAY. You should have a grace period to pay so that gives you time to fight back. Otherwise they’ll go “oh yeah there was a mistake but it looks like the bills already settled so that’s great!” And now you’re out $15000 and filing for bankruptcy. :/

@@Lorraine202I just learned this. My insurance company has been increasing the amount listed as what I owe for months even though the actual HCP’s costs were settled. Double check before paying anything to these vultures.

Wtf doctors dont get health insurance....what a weird concept. it should be universal healthcare for doctors/nurses/other medical profs doing the work for our health care system!

Bruh wtf do the doctors do when they don't have insurance?

@@Superboologan1 I'd assume that doctors have a good enough salary to be able to afford private healthcare and costs of out-of-network care, but at worst, the same thing that everyone else does when they don't have medical help. They die.

> is a doctor
> can't get health insurance from job
> doctor can't afford to go to the doctor
Conclusion: We are living in hell

the american health care system was made to make money and not spend it.., thats what america is about.. making money as much as possible and making sure to not lose any... at any cost..

One of those reasons that keep me faaar away from the USA. I don't even have to deal with this and it still stresses me the hell out

Yeah. It's crazy to think that people have actually died because of this
So rich people can make more money. Real people are actually dead

LITERALLY THOUGHHHH

@i better call stop spamming

@@danielblank9917 bro it's a bot

TRUE

Same my guy. It suuuucccckkkkkssss

I will never forget hearing my 20 year old brother sobbing on the phone trying to get his diabetic supplies shipped to him after days of calling and hours on hold and after nearly a month of having no method of testing his glucose levels. To this day it makes my blood boil.

Not trying to be funny but I have a question, why not just leave America? For real, it's a shit hole, have you considered moving to a place with free healthcare?

its weird to see that, im in a 3° world country and diabetic supplies are free here, i mean, the right of life dont apply to this situation?

US healthcare: "That'll be $30,000."
Canadian healthcare: "Have you considered suicide?"

That's why ya go Union.
Not only is my health care accepted in EVERY hospital, Emergency Care, and back water hellhole, BUT I pay 500 bucks, and then it's covered 100%.
No premiums as it's covered by the work we do.
AND my insurance will never deny me, if I get some random rare illness my insurance goes, "Do whatever it takes to keep this man alive".
This is the same for my dental and vision insurance too (except vision is always 100% covered no matter what, up to Lasik and Eye Surgery at which point i'd need 500, then it's covered).

That’s my dad! Woooo

This is kind of a misleading talking point that you're repeating. Canada has always had private-sector primary care. So called "private healthcare" proposals such as the one by Premier Ford of Ontario involve expanding the existing public insurance system to cover treatment provided by private-sector hospitals and specialist practices which is where Canada is seeing it's most rapid increases in wait times. The provincial insurance providers (which is the mechanism that protects Canadians from having to pay out-of-pocket costs for treatment) would remain in tact, to propose privatizing the insurance system as is the case in the US would truly be worthy of outrage

@@pewp_tickalar This is such a garbage opinion, the wait times are not the problem. The Ford government has cut funding for the healthcare system every single year that they have been in office.

Well... It is working. You just have to redefine "whom" it's working for. And that's definitely not anyone who is sick. Rich people get sick, they either are so rich they don't care or they blow through a ton of cash because they have sooooo much money that it really doesn't matter. If you don't believe me, google Sumner Redstone's net worth in 2014 and his net worth in 2020.

They don't care because they have the money to cover medical bills or they have someone else do this stuff for them. My uncle is one of those people.

Propaganda is an extremely powerful force

APAB

So who pays for mental healthcare?
Do you have to get special insurance?

@@Jehty21 the short answer is no every insurance is supposed to cover it. In practice many insurers have major caveats in their coverage regarding mental health fueled by the intrinsically subjective nature of such reports. For example I can take your blood pressure and objectively report to insurance that it's too high so you need corrective meds. But if you have depression there's no lab test, I am fully reliant on your reported symptoms to make a diagnosis and prescribe treatment. And if BDGs video was any indication it gets even more complicated when you start talking covered meds or therapy.

@@Jehty21 in most cases folks just don't seek it.

@@ohnoagremlin And are then surprised by the disproportionately large amount of mental health issues in our nation. Yup, the system's clearly working as intended, folks!

you've worked in health insurance????? burn it down from the inside for me, please

@@bunshine Oh, I intend to!! That's part of the reason I've stayed in this industry. I want to work my way up to a point where I can help in the dismantling of the whole thing, with the infrastructure scrapped for parts and used to manage a single-payer system. I've worked in Medicaid AND private plans, I *KNOW* it can be done.

surely you must also know that the lobbying is also used on lowering costs via workplace safety? I get its bad, but from the outside looking in- isnt that largely just the sales dept's and healthcare provider's fault?

I made (nay, mass produced) corporate health benefits explainer videos/modules. I am sorry if you were forced to watch any of them.

@@Gliccit Nope, it's the system that incentivices behavior like that, it's made with the purpose to make the most money, not to help the most people.

Feeling that man. Definitely can relate there. Went through some chronic illness troubles in my teen years and was not listened to.

I am so sorry. Moving must be unimaginable at this circumstance, but I can’t think of anything else other than moving to another country that is not a complete dystopia.

22 year-old with Ulcerative Colitis here. It's $10,000 for a bottle of 30 pills that will keep my stomach "normal" but weaken my immune system to the point where a basic head cold could probably kill me.
My mom lost her job, which provided her with our health insurance and over half of our household income, when they suddenly got a stick up their ass about her performance. Now we can barely afford our basic needs on top of my mom and I both having so many medical conditions we can barely function on a daily basis and now we can't afford to have any of them treated. We've spent the past year since she lost her job flipping through so many insurance companies that have severely overcharged and underprovided or just outright lied to us. I get sicker by the day and can't do a single thing about it. And now I'm getting to the point where I'm fearful of whether or not I can hold the part-time job I have because my condition puts me out of work so often.
God is good, but a lot of humans down here are shit, and I can tell there were some pretty shitty ones making the decisions regarding our Healthcare system.

@casquinhaS2 On that point, most countries ban disabled immigrants….

ough I'm so sorry, wishing you eased pain and a support/solidarity system within this hellscape.

Its always recommended to get an itemized bill to avoid problems like these. Knowing health insurances, they’d probably charge a fee to get it sooner or lager.

Send help

Except, quite possibly, the American Tax System, which is just as confusing, and carries criminal charges if you don't do it correctly

'The IRS' has entered the chat

North American gun laws and gun culture are also quite scary.

At least they can't calculate your HP yet

I feel like I somewhat agree with number one
As for number two Brian could read the dictionary and make it interesting

I almost didn't watch it because based on the title I thought it would be boring, but I decided to trust BDG.

honestly as an european in a non english speaking country this is absolutely useless... but bdg makes it entertaining

I'm a chronically ill American, so this is really just as relevant to my interests as Unraveled, unfortunately.

@@cygnahoshiko4629 Yeah, I'm going to grad school next year and I'm chronically ill too so I also really needed to know it. New insurance + new place + being independent to deal with my own insurance stuff. I just realized how complicated this is all going to be next year while I was watching the video.

No we know, there's nothing we can do. The people in office that are supposed to look after our well being are incentivized by healthcare providers to do the exact opposite. This country needs to change it's voting system and something could change, but nothing will change because the people in control are making money.

Most of us are extremely aware of it, but we have virtually no control over our government.

@@Zanadorsomething like 33% of eligible voters don’t vote.

@@joeschmo4646 Yes, and that is a problem, but it's far from the only problem and not the most impactful one IMO. Getting corporate money out of politics, getting rid of first-past-the-post elections, and getting rid of the Electoral College would all have a much more noticeable effect than higher turnout. We could also think about making the House proportional again (removing the limit on number of members) and making it harder for the Senate Majority Leader to unilaterally control what gets voted on.
The problem with all of these reforms (including any change that would actually increase voter turnout in a consistent way like compulsory voting) is that they would need to go through the legislature. We can't change the system unless the people running the system allows it. Most politicians aren't interested in reducing their own power, or making it easier to get voted out, so these reforms go nowhere.

@@joeschmo4646 American politics only ever gets two final choices to pick from. Even if that 33% of more people voted for a new independent group, they'd still lose by about 5% against the original split 77%... (And this is ignoring the representative/gerrymandered side of the "democratic republic.")
The bipartisan system that doesn't allow tiers or multiple choices is inherently flawed, stacked against the citizens.

ok

The one time "beyond our comprehension" is not a meme. Jesus fucking christ

@@duongchuc1834 👀 ok

Surprisingly informative

So what you're saying is Unraveled is back?

I was gonna say, I think this is just Crash Course now?

john green in my bdg video?

Happy Pizzamas everybody ❤

Update: We can't retire we need health insurance. -John

Can you pay your health care providers in pizzamas merch?

Canada will try to push this system on its own citizens eventually... capitalism always leads to late stage capitalism

you CANT let them take it away

Yoink 🏥

Don't let them take it away from you, you can't understand how bad it is until you've lived through it, you can't let it happen, any politician even flirting with expanding private healthcare to the detriment of public healthcare should be understood for what they are, a life ending human-sized parasite determined to suck the blood out of you and every one of your loved ones until they're nothing more than dust. You are privileged if they are crushed under heel like such voracious parasites should be, however, barring that, do your damndest to keep them away from any kind of civil service. They will destroy anything good.

They have tried to several times, and they tried to do the same with tertiary education. Very scary times. So glad we still have higher taxes and better benefits 👍

@@The_Cyber_System ill bet 10-1 odds your "higher taxes" are less than what most Americans pay for private insurance.

I'd love to see him collab with Hank and John Green (vlogbrothers duo) to remake their How To Adult series

@@purplegill10 YEAHHHHHHHHHHH

get that complexly funding bdg!!!!!!!!!!!!

Honestly I would really like more videos of him explaining stuff like this
Like maybe he could help explain taxes next, that'd be really nice

Adulting step one: if you say adulting you are neurodivergent and your needs are fundamentally different from every other person the system is created to accommodate and you never will be accommodated by said system. you must find solice and support within compasionate friends because you never will find solice or support through any system where money changes hands. The best you will ever do is learn to scrape by to be able to find more moments where you can be with people you trust.

I love your picture

I am being sincere here when I say this: Start leaning now. Seriously. This shit is intentionally overly complicated, and it changes a little in ways that are hard for us plebs to understand year after year. New laws are coming out all the time that allow insurance companies to get away with literal murder. Fun fact, did you know that failure to provide aid as a professional in the event of an emergency is actually classified as a form of murder through negligence in some states? Well, insurance companies sure do, so they made damn sure those laws have loop holes in them that excuse them from ever having to pay for potentially life saving procedures that hospitals will refuse to even attempt unless you can guarantee payment in advance! YAY!

Well….can’t you have it for 6 more years?

@just i c e stop spamming

@@EricLS 3 to 4, depending on when her birthday is. It drops when you turn 25.

Insurance also fairly regularly reaches the top of the most depressing jobs in the US

And I LOVE how some Americans say, "Well I've got freedom of choice", when they don't really have any choice. The CEO where they work picks what insurance company their company offers and he picks the two (or three) plans that are offered. If you don't like the insurance company he picked, you are 100% on your own.

I will now refer to my teeth as luxury bones. This is your fault

could you link/name some? this is the only example I've seen of what you're describing

@@toulouse1 I assume it counts enough, I watch some tiktok comps about stuff like leftism and disability info and stuff like that, mainly the ones by “a dude” (that’s their actual channel name /gen) which have some pretty good info in a pretty digestible format!

Oh sure I'll think about the others I've seen sometime. Just remember watching channels I'd know for one thing and then something would come up in their life and they'd make a video to help anyone else (like their subscribers for one) with that potential life scenario. But yeah someone should make a playlist out of them, since they're more watchable and thus easy-to-remember than more bland how-tos.

well exactly. They're filling a vital niche that no one else is. Anyway, Brian's cool.

@@toulouse1 not quite 'critical', but "history of the entire world, i guess" by bill wurtz is a good example of spontaneous really helpful educational videos from someone who normally doesn't make them.

the true horror is the system itself

@@briandavidgilbert As well as the fact that there are people who think this is a good thing

@@samlevy9897 YES

HH : healthcare horror

​@@briandavidgilbert the real horror was the friends we made along the way

I dunno it definitely has an “unraveled” vibe which I have sorely missed, I just wish the topic wasn’t so rl horrifying.

@@MrPiptron *laughs in Britishness*.

did you forget the second part of the complete pokerap? for shame

@@MrPiptron Unravel is definitely edutainment.

Pivoting? Unraveled was very edutainment

We have this in the Netherlands too, so europe, sadly, knows

@@jakobvanklinken Yeah ... no. Sure we have copays but don't pretend like we get insane pricings and holes in our coverage like in the US. Sure if you go to a specialist which isn't in basic insurance such as physical therapy you'll have to pay it yourself. But that's only if you don't have a certain chronic issue which requires you to go. And if you are in an emergency situation 'network' doesn't mean anything. And if it is 'out of network' you usually only pay about 10-30% of the full price.
In a country as small as the Netherlands and like I said earlier ignoring emergency situations which don't apply there is basically no reason to go out of network in the Netherlands. Where American companies have those systems in place mostly for monetary gain, Dutch insurance companies have it in place to stop people from hopping from doctor to doctor, clogging up systems with inefficiency.
The Netherlands has far from a perfect system. But it's harmful to the existing system and the people fighting for universal healthcare to state that the system in place in the Netherlands is anywhere near the system of the US.

And South America

Ok

If by private you mean heavily regulated at state and federal levels

Our waiting times for healthcare are basically non existent so no waitlist AND as a bonus we can own semi automatic rifles and Europeans can’t.

@@theorderofthepurplephoenix3321ngl owning a weapon that is specifically designed to kill as many people as possible in a short time span doesn’t seem too appealing

@@tapwater4425 having the proper means to defend yourself and your home is something Europeans can’t do. If people break into your house you will have free healthcare when they injure you, but you won’t be able to defend yourself, you’re family, or your valuables

@@theorderofthepurplephoenix3321 there are ways of defending yourself aside from guns, like a baseball bat, or a knife.
Besides, I do see some benefit to having a gun *if* the attacker also has a gun, but automatic weapons are a bit overkill and usually cause more harm than good.

@@tapwater4425 first of all, a bat or knife while not stop a group of people. Secondly, a knife or a bat is a much more brutal way to kill someone than a gun. And lastly, regular people aren’t allowed to own automatic weapons. To own a automatic weapon you either have to go a long and tedious background check and pay 50-120 grand or go through a almost impossible amount of paperwork to get an ffl. Felons, and people with a record of violent crimes are not allowed to own any guns. Automatic weapons are really only for the most diehard of rich gun collectors, a very niche market. Many robberies have been stopped by store owners/civilians who had guns and many live have been saved by guns. In America we do not have a gun crisis, we have a mental health crisis and not enough background checks for certain guns

Finally it's here after so long :
krplus.net/bidio/naeei5lpaGqYo4Y

But then how will the government invest millions of dollar into the problem, steal most of the money, spend some money on something real to show as progress and get nothing done so they can justify another investiment to do it again?

Beautiful

it would be great to see this in school

I wish I had seen it in school. Twice.

Or the classic "it's either this or increased taxes! Do you really want more taxes?" as if the increased taxes will somehow be more expensive for the individual than the thousands of dollars people are forced to spend on healthcare.

@@creeperhunterD [2 buttons meme:] [option 1: pay like 1% higher taxes and live worry-free] [option 2: pay a completely unpredictable amount for health care and have to navigate medical bureaucracy every time you have an unexpected medical situation]
It's just so hard to choose!

I had a recent hospital stay where I literally waited for 9 hours in the ER, and I have good health insurance.

And don't get me started on the "it's the cost of the best healthcare in the world" bullshit.

torries complaining about having to wait months to see a specialist while i, an american, couldn't even get a referral for my obvious chronic illness until after i developed permanent damage to my spine...and then i STILL have to wait half a year for my initial appointment with a specialist!
(not saying the british healthcare system doesn't need improving, but privatizing the industry is a massive step in the wrong direction. fight for your public healthcare tooth and nail.)

This is even scarier cus everyone in the US has to deal with this.

the worst kind of horror is the things that CAN hurt you

That's the point. It wastes your money, but someone is getting rich off it.

I always thought it was hilarious that conservatives try to claim private healthcare is cheaper and more efficient. I'm no fan of wading through the swamp of government bureaucracy, but I'd take it any day over corporate bureaucracy that charges me a cover fee just to get into the bog.

'cause it's just normal for them, a lot of people think without it healthcare is worse in other countries, when it really really isn't, or that it has insane waiting times, when it doesn't, (and that one's always been insane 'cause their waiting times... Aren't good?) it's hard to see a different world without ever experiencing it.
Especially with all the money that goes into preserving the fuckitude that the system is.
It makes me so glad to be British. 'Cause we do know what it's like, and there would absolutely be riots across the country if our system became like theirs.

And it's larger than the department dedicated to just dealing with patients. Inside of a hospital, you ONLY see the tip of the iceberg, but every level between insurance and providers have to fund their own department dedicated to fighting the other parties on coverage and billing decisions. At a hospital, your doctor is conscripted into this effort with excessive charting requirements and justification checks and outside reviews that may cost them more time than actual patient care.

@@MagicCardboardBox our system absolutely will become like theirs within the next decade, so I hope you’re ready to crack some skulls when it does

just come to canada bro

YOOOOO ITS CIRCLE

I’m one of the first ppl to respond to this

Same lol

Don’t worry, all the rules will change the moment any of us actually understand them. Isn’t this the best system ever?

Absolute Gold

Is it just me, or are his horror videos getting more realistic?

all his horror videos before were pretty scary but this takes the cake

666 likes, oddly fitting
Edit: nevermind I guess they stopped doing that.

Unironically this is his scariest video

Finally it's here after so long :
krplus.net/bidio/naeei5lpaGqYo4Y

Fr

Jesús Christ how do you Americans put up with that, I'm so sorry

@@keqingsimp2174 Because Conservative chumps say, "Socialism bad".

@@keqingsimp2174 some of us don't! we go bankrupt or die!!!

Literally what I do too, and I've lived in the US for four years now and have insurance. Even though I don't have my German insurance anymore and have to pay out of pocket, it's much cheaper to fly home and go see my old providers there every year or two. Especially women's health services in the US are sub-par compared to the rest of the world (it's basically just a manual exam and pap-smear in the US, where in other countries they're also checking everything via ultrasound, which makes much more sense). It's ridiculous.

It can be cheaper to fly to Mexico, have a vacation, get dental surgery, then go back by the time you can even get scheduled for one in the US
Even with dental insurance

@@genderender Yeah but in the US it's done by doctors with dental tools, pretty sure in Mexico it's done by mechanics with auto tools who have some free time

Wow, Europe sounds like a wonderful place with free and fast drugs, how can I join in? 😃

@@testname4464 doesn’t seem like a racist statement at all

I desperately need info on taxes. Like, every year, I spend months trying to figure this shit out and I have no idea. There's no help for people with learning disabilities like me, and I can't afford a tax service again this year, so I'm already shitting myself.

I couldn't get through it without encouraging fight club

This would be incredible. I definitely trust him to learn the things I'm to dumb to figure out and teach them to me via entertaining videos

taxes would be very good

I mean this is a specifically US problem, same goes for taxes

+++

Hero

@@sabinajoh In all fairness, in an ideal world, their job wouldn't exist.

thank you friend, i hope you can help as many ppl as possible

I understood nothing of this.

Actually this happened to my family. My sister had an injury and we called an ambulance just to waive their help and drive her ourselves to the hospital. We were still billed an insane amount, but it was better than the $2000 for the ride

This is America 🇺🇸

ok

I have yet to meet an insurance where an ambulance is covered. I have decided they are fancy scams on wheels and unless I hit gold or am literally dying I won’t/ can’t use one without going into debilitating debt lmao

@@musemccormack5436 the most depressing part about that is im canadian and when i was young i just went to an adult hospital and they let me take an ambulance for fun, and last year i had an ambulance called for me bc i had a panic attack at the dentist, so i know from being in one they are incredibly *incredibly* useful when in need of one, god americs makes me sad

Its funny that there are americans that defend this terrible system. Literally every other country is better in this.

I can say the same. And I live in Brazil. That's how absurd the healthcare in the US is. VIVA O SUS, CARALHO.

Is it bc you guys didn't finish the job and left Monaco standing after the Revolution?

@@DavideMenezes42 I'm literally in shock rn, i could never imagine that something like going to a doctor could be so complicated in the US. VIVA O SUS PORRA!

First of all, Americans who understand healthcare do indeed look at the French system and think yours is pretty great.
As to how we got here, it’s a historical accident. During World War II, wage controls were put in place to prevent the US economy from spinning out of control. Businesses were not allowed to increase salary by too much.
But if a business can’t raise wages, how can they attract workers? Well, they can offer something else besides money as payment. So they started offering health insurance. And then a little while later, the government started giving tax breaks to companies that offer health insurance.
So now the system is entrenched. Every time someone tries to reform it, businesses rebel. Also, the health insurance companies are not set up to provide good care. They are set up to make money. A lot of the reforms of Obamacare were regulations on premiums, coinsurance, copays, out of pocket maximums, and a bunch of other things. It still wasn’t a fundamental change to the system, but it did make a difference in a lot of places.

Hahahaah well at least you dont actually live in this nightmare. I only have a year left being under my parents and im scared 😢 make sure this doesnt happen where you live!

@@princessalia6 Oh I've been trying. I live in Alberta, Canada and our last Premier (Basically a Governer, he was American too) tried his damnedest to privitize healthcare, and sadly enough a lot of people were on his side, but he never really got anywhere with it and ultimately if he did I wouldn't have been surprised if the Federal Govt stepped in and said "No", but for a hot minute I was pretty terrified

@@PerishingPurplePulsar Holy sheit that was way too close! Have they not learned anything from us!?

@@princessalia6 Not a thing apperently. I'm planning on moving at some point to Ontario or maybe Nova Scotia. The more time goes on the more Alberta is turning into a Little US inside of Canadian borders at best, or a fascist splinter state at worst and I don't wanna be here when the axe comes down either way

I can't speak to not living in this nightmare, but I can say that having lived in it all my life and now currently being unable to fix significant and life-altering problems with my teeth for several years to the point where I haven't been able to chew food and I don't know that fixing my teeth will even fix the problem now because I have no idea if I'll be able to chew like normal or if my jaw has atrophied...it's not great.

More 'Why Healthcare sucks': Some More News, Second Thought, Professor Dave.

as a disabled person who has to brawl with healthcare services on a weekly basis in AUSTRALIA i can boldly and assuredly say you are braver than any us marine

as a disabled person, this system did overwhelm me to the extent i stopped seeking care for a long time and it cost me in ways i won’t recover from. it is so validating for someone to articulate the complexities of the healthcare system that abled bodied individuals struggle with too.
education is our greatest tool in humanity.
to anyone reading this- NEVER give up advocating for your health and needs. you are worthy and deserving of getting help.

Samezies.

Same, Chronic pain sufferers are completely taken advantage of by the system that claims to help them

Don't forget how the broken leg could be a cosmetic issue and therefore not covered

@@MintyMoron64 No no, This broken leg is a pre-existing condition

if you didn't want to have to pay for your broken leg you should have thought about that before you decided to have legs

@@danhonks6264 but make sure mark doesn't amputate them we won't pay for that

@@MintyMoron64 you bruised your knee badly once before, so a harmed leg is a pre-existing condition

Check if your state provides subsidized insurance for people with disabilities. That information should be available on your state's department of health/public health website. I ended up paying like $60 a month for Medicare cause I'm constantly dying.

@@user-kh3jj4rx2v definitely will, thanks so much

My sympathies. Also worth checking, if you’re still living with your family and are likely to for the foreseeable future, if you might be able to stay on theirs as a disabled dependent. (Which has its obvious downsides, but as someone who’s remained on parental health insurance after 26 because I can’t really work, I bring it up.)

So it’s a 30 minute video on health insurance. Thanks for sharing

o-oh...

So it sticks with talking about health insurance the whole time - good to know!

Its a 30 minute video on health insurance which means its necessarily also about horror

Why can't it be both?

My reaction also.

Maybe its different? Idk, all I know is that I have one

Had this same reaction but I'm American

As an American, most Americans have no idea how any of this works.

US Medicare is awful.
Medicaid is usually all free, but usually medicare patients are disabled and/or retired and they often need it more;
*Medicare usually only covers around 80% of medical expenses. Which can be a ton if you have to see any sort of specialist regularly - (pain specialist, immunology doc, etc)
And unfortunately Obamacare made it worse for a while with misleading promises, along with private insurances getting butthurt, and raising premiums and making it harder to reach a deductable(?) with medications (part D).
Benefits I take for granted as a medicaid patient (free doctors visits/no copays/access to more resources like bus passes, free counseling, etc) cost too much for my permanently disabled mom to really do. She’s 60. Im 23 and chronically ill/can’t work right now. Im sad I can’t pay for her to be seen.

Do not let them do that, I pray to you use your natural inborn abilities as a Frenchman to riot and strike to prevent that.

if they do, prepare the guilotines

its because your goverment is paying billonaires out of the ass for products, it just appears free to you. trust me corporations are still raping the supposed "free" healthcare countries. your healthcare is owned by american and foreign corporations through your govermemt

Yes, guilotines, bro.

​@@ChipCheerioOh yeah, you frenchies are my heroes for that.

ship them over please

You would not believe the private and public armies that will be dispatched if they come under any serious pressure from the proletariat. A civil war would be hideous, unfortunately we have to use the government. Luckily we can still vote- for now.

@@Pistolita221 people have the power. but you're right, it will get messy, it always does and somehow it seems worse nowadays.

The guillotine really isn't the best revolutionary symbol given its bedbugs used more as a tool for colonial violence than it's been used as against kings and the bourgeois.

Maybe instead, ship over tips on how to make better barricades, you have a proud history of making those in the face of state violence.

It's not that they didn't bother, they don't want you to understand any of this, that's why it's so convoluted in the first place.

I'm so glad my mom worked in health insurance and could explain everything to me when it was time for me to choose my plan. It's such a scam that there's so many extra little costs, and that some plans don't even cover you fully once you hit your deductible!! I'm enrolled in a German university now, and it was SO weird to not have to wade through different copay levels, deductibles, etc... the public options that I looked at all were the same price and covered the same things. Though I do have to choose doctors who accept public insurance.

To be fair, I'd bet that 90% of HR personnel don't understand Health Insurance themselves, so it's easier to just kind of hand wave it. They should do better, but they likely don't do better for themselves either.

@@LeafMaltieze In a lot of corporations the plans or even providers are changes every 2-3 years. Literally no one can keep up with it. All the training comes directly from the provider. Guess how helpful it is.

You what now?

I swear, the U.S. healthcare system should be investigated by the U.N. or something for crimes against humanity.

@@qzamboni unfortunately that will never happen because the US is one of the primary financial backers of the UN

Obamacare got rid of pre-existing condition restrictions.

I...
How in the fuck? Do rape survivors not deal with enough shit already!? Thats baffling, like inexplicably absurd

Very much true. My partner has quite a few health issues and whenever her doctor recommends a new medicine, she has to go through a negotiation process of her insurance saying well we don't think you need THAT medicine, how about THIS medicine tho? After that medicine fails to work and the doctor reports that to the insurance, they MIGHT agree to cover the recommended medication. I say might because many times they have you go through several different options first, despite the doctor believing their recommendation is best.
My daughter has chronic migraines and her specialist recommended Botox treatments in parts of her head and neck, which have pretty good success rates and next to no side effects compared to migraine meds which leave her super tired and dizzy and nauseous. Insurance made her go through a month of 3 different medicines before they finally agreed to cover the Botox, which has helped her greatly. It's an extremely frustrating, wasteful system. Perhaps it's because we use government insurance and not private so we generally don't have copays, thank god, but this system just doesn't work well for seemingly anyone.
Sorry for the wall of text, I kinda just poured my frustrated brain out here because it's a constant source of stress living with 2 chronically unwell people that I know deserve better

Had a similar situation in my family. Doctor prescribed a certain medication, but insurance was only willing to pay some tiny percentage of the cost, but would cover 100% of the cost of some other medication that sort of is supposed to do some of the same things, but not exactly. So, had to take the worse medication for a period to prove that it wouldn't work completely before they would cover the prescribed medication.

@@iamjustkiwi That our healthcare system allows (and incentivizes) your treatment to be determined by insurance companies against the doctor's actual suggestions is one of the clearest examples of how fucking broken this shit is.

Exactly why I'm leaving this buzzsaw of an industry. It does nothing but create pressure at all levels, personally and professionally, internally and externally.

@@nikolicious589 good for you, we all deserve better and it can't feel good being a part of this system.

Damn some people really are born gamers. Gesundheit

the struggle is real 👨‍🦽

chronic illness was a very cruel teacher in that I knew everything in this video and mode

yup

Haha, yup! The only reason I wasn't immediately screwed by the system when my illness showed up is because I had my mom who also dealt with chronic illness as a guide.

yes, congraTRUlations to him!!

Its by design. Creating an unnecessarily complicated system then justifies the existence of "experts" (Tax Experts, Insurance Experts, Ect) who can then make money off of people usually not having the time to learn these complicated systems. Its also why none of these systems are ever taught, and if anything is done to try and simplify it, lobbyist groups who represent those "experts" step in to keep the money making scheme going.

@@ThatOneREDScout Information asymmetry is one of the most common ways to capture profits.
OP, the main thing you need to understand is that you live in a society that is trying to trick and trap you at every step. Never trust anyone.

@@chazdomingo475 capitalism moment

@@Artameful sadly. Business moment for sure but especially a capitalism moment

oh don't worry, it's life ruining even if you do know about it.

Yeah I'm not from the US and I have to say that this is fucking terrifying
I could never move to there for this reason

I live in a third world country and I get literally EVERYTHING for free. "Oh but queue's must be super long!" I go see a doctor same day if I need to, and I if I have to I can get a doctor home visit (also free).

@@ThoughtsOnThoughts thank you, I swear I have people in my family who are obvious victims of the predatory privatized healthcare and they still go “well at least I only have to wait 3-6 months to even a year to see a doctor instead of however long the queues must be over in places with privatized healthcare!”

Yeah I just show up to the hospital and say "treat me" Done. U wait a little while and u pay nothing or a symbolic value like 5€

@@ThoughtsOnThoughts free? nothing is free my friend. Somebody always has to pay, people have to make the medications, work the hospitals, track the records, etc... payment comes through money or time. The real reason American health insurance is so bad, *aside from the shoddy bureaucracy* is because there is *basically* no upper limit to what the government will pay for different things. So in practice big pharma and hospitals can cooperate to charge exorbitant rates to insured people. Really, Americas insurance problem is deeply rooted in a very large number of other issues, like government money laundering and insider trading, gross government inefficient/malicious spending, outdated laws and systems... When people say they want insurance in the private sector, they don't normally mean completely independent from law, they just want it in businesses with a monetary incentive to do things right, and a minimal degree of government intervention necessary only for keeping the companies from cooperating to jack prices up and to keep insurance payments at a low price for consumers that is affordable but still profitable. Another reason people want private insurance is so that people that have enough money to not need insurance do not have to pay for other peoples insurance, either through taxes or payments. Long story short, governments don't normally have their peoples best interests in mind.*yes I am aware that businesses don't either, but they at least have an incentive existing in the bottom line they must meet*

"If I'm alive, I don't need a doctor. If I'm dead, I still don't need a doctor." - me for the last decade

Same
Luckily, nothing that's killing me is very painful

If I'm ever dying to death and I need an ambulance, I will make sure not to get on that ambulance if it isn't in my network.