An IMPORTANT update on emergency medical treatment! I've had a few people point out the "No Surprises Act" which was passed this year: www.cms.gov/newsroom/fact-sheets/no-surprises-understand-your-rights-against-surprise-medical-bills Now, if you have health insurance, this act will "Ban surprise bills for most emergency services, even if you get them out-of-network and without approval beforehand (prior authorization)." This is super good news, and it means that you shouldn't be afraid of calling 911 in a medical emergency-you'll still have to pay for it (like an in-network procedure), but it won't be completely out of pocket if you go to an out-of-network hospital. The act will also "Require that health care providers and facilities give you an easy-to-understand notice explaining the applicable billing protections..." and though I'm less convinced about the "easy-to-understand" aspect, at the very least it means you SHOULD be notified about this when you receive the bill!

@Rocky-cy5bd

Жыл бұрын

radiohead

@bd648

Жыл бұрын

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.

@JustTheWarning

Жыл бұрын

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.

@sydposting

Жыл бұрын

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.

@sydposting

Жыл бұрын

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.)

Can't wait for this to be the unironic insurance guide that everyone grows up with

@Weckacore

Жыл бұрын

Hey nice name

@occamsaturn

Жыл бұрын

lord knows public schools aren't stepping up

@Eighthplanetglass

Жыл бұрын

This is better than my works training

@SoftQuartz

Жыл бұрын

@@Weckacore no u.

@Eighthplanetglass

Жыл бұрын

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

As someone that's worked in health insurance for 6+ years, I can confirm that *all* of this is correct, and it's exactly as baffling, opaque, and unfair as it sounds. Well done on creating something that gave me flashbacks to the innocent days when I was being onboarded into this nightmare of a system, but had to learn all this through "fun" modules.

@bunshine

Жыл бұрын

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

@sydposting

Жыл бұрын

@@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.

@Gliccit

Жыл бұрын

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?

@dumbeau

Жыл бұрын

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

@agentc7020

Жыл бұрын

@@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.

Seeing this as an American in my early 20s is like walking down a long, dark, narrow corridor and seeing a text prompt telling me to hold Shift to sprint.

@pyroryx

10 ай бұрын

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.

@ohno3593

9 ай бұрын

LMFAOOO

@vitorpinho3290

9 ай бұрын

Is this a Sister Location reference? 💀

@UglyBabyFunny

9 ай бұрын

@@vitorpinho3290 idk i havent played it lol

@adora_was_taken

9 ай бұрын

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

I got charged for watching this video by my health insuarance. Apparently, Brian is an out-of-network consultant and I didnt get him approved beforehand as a specialist by my PCP. Now I'm broke! Thanks Insurance!

@calamaribowl8683

11 ай бұрын

Things have gotten to a point where this could be true

@chrisolen2113

11 ай бұрын

😂😂😂😂😂😂😂😂😂😂

@Erica-wf5kj

9 ай бұрын

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.

@grzegorzbrzeczyszczykiewic563

8 ай бұрын

mood

@leiasolo9315

6 ай бұрын

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

As an outsider, this feels like the worlds greatest legal scam.

@iantaakalla8180

Жыл бұрын

It is.

@Sqwivig

Жыл бұрын

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

@vulpinemachine

Жыл бұрын

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).

@bampo8436

Жыл бұрын

Yes💀

@tumultoustortellini

Жыл бұрын

@@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

Now that Brian David Gilbert makes explainers, I think we can retire now? -John

@varsitydanni

Жыл бұрын

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

@milenacosta8299

Жыл бұрын

john green in my bdg video?

@rge9992

Жыл бұрын

Happy Pizzamas everybody ❤

@vlogbrothers

Жыл бұрын

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

@music4life813

Жыл бұрын

Can you pay your health care providers in pizzamas merch?

As a recent US immigrant, After getting health insurance that my job pays for, I decided to have my issues looked up. I started with tinnitus which was keeping me up at night. I made sure to go to a clinic that was "in-network". They tested my hearing and there were no issues and I didn't have to pay for any of it. So far so good. But then they suggested that the issue might be brain related and could be serious. So they directed me to another clinic in the same building to get a brain scan where I got scheduled. Little did I realize that the second clinic wasn't in network, so imagine my shock when I received a 1,500$ bill on my way out. Good news is, they didn't find anything wrong with my brain... This experience destroyed my willingness to get my issues checked out and my trust in the medical industry in general. Although I have many concerning issues with my body, I'd much rather take the risk of death than ruining my family's financial stability. And I have a sneaking suspicion that this is exactly what this system is engineered to do.

@quantumblauthor7300

11 ай бұрын

Lying until proven sickly

@kevinwillems8720

10 ай бұрын

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.

@zzxp1

9 ай бұрын

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.

@AssBlasster

9 ай бұрын

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!

@kevinwillems8720

9 ай бұрын

@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.

Ah yes, Nebraska, who found it useful to specify that medicaid is available for people: - 18 or younger - Between 19 and 64 - 65 or older

@the_expidition427

4 ай бұрын

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

@CMoore-Gaming

3 ай бұрын

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

@4thalt

3 ай бұрын

@@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.

@edgarcardiff7874

3 ай бұрын

@@4thaltThe vibes are off I guess?

@chibiyumeusa

9 күн бұрын

@@4thalt I would not put it past them TBH our system makes literally no sense anyway

The developers really dedicated a lot of time into the worldbuilding of this dystopia. I'm beyond impressed.

@chazdomingo475

Жыл бұрын

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%.

@mecoolguy3780

Жыл бұрын

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

@sirlenemodesto2665

Жыл бұрын

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

@iantaakalla8180

Жыл бұрын

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

@smtmonke

Жыл бұрын

@@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 craziest part of the US Healthcare is that this video is actually good enough to be shown in school...

@Noperare

Жыл бұрын

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?

@zackbuildit88

Жыл бұрын

Beautiful

@dudemanlastname

Жыл бұрын

it would be great to see this in school

@theshmoo560

Жыл бұрын

I wish I had seen it in school. Twice.

@chibiyumeusa

9 күн бұрын

The craziest part is actually that they categorically won't show you this in school because US curriculum don't include a single piece of information about a system that is going to dictate, more than anything else in your entire life, your health and your financial status until the day you die (possibly as a direct result of this very system). Fun! Is it not? How our educational institutions do nothing to educate us about the most consequential and universal realities of our upcoming adulthoods! Great all around.

One of my core memories is my mom being locked in the office on the phone like a full time job for several days because our insurance got bought out and they stopped covering ALL of my sister’s medical costs. Eye exams, tests, PCP appointments, EVERYTHING. After a LITERAL WEEK of being transferred , gathering documents, getting corporate phone numbers, she finally found out why: my sister was receiving health insurance from her two full time jobs which excluded her from the family plan. MY SISTER WAS 8. The best part is you have to confirm the patients name and DOB to access any information. They eventually got slammed with a fee (that was definitely way less than they made from charging people who didn’t have the knowledge or time to fight this battle) in a lawsuit. Turns out in the data transfer they purposely lost or altered data to shit like “grade schooler has 2 full time jobs” to siphon money out of people in the confusion and then use the confusion and unnavigability of a new system as a smoke screen. I love it here.

@Lorraine202

6 ай бұрын

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. :/

@Pacemaker_fgc

3 ай бұрын

@@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.

This should play on repeat in every waiting room in every doctors office that accepts insurance.

@Silverwind87

9 ай бұрын

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.

@leiasolo9315

6 ай бұрын

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

I have been diabetic for 30 years (since I was a kid) and let me tell you.. navigating the nightmare that is the American Healthcare system for my entire life has been soul crushing. It's worse than the fucking disease.

@theold1.

Жыл бұрын

TRUE

@creamwarrior

Жыл бұрын

Same my guy. It suuuucccckkkkkssss

@Robin_Goodfellow

Жыл бұрын

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.

@fnaj00

Жыл бұрын

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?

@Mike-ez5mk

Жыл бұрын

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?

Me: I don't understand America: That's the point, silly! Sign here.

People are absolutely trying to push private health care up here in Canada. It's disgusting

@DevoutSkeptic

11 ай бұрын

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

@DrCranberry

11 ай бұрын

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).

@Joeysaladslover

11 ай бұрын

That’s my dad! Woooo

@pewp_tickalar

11 ай бұрын

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

@sarimkh

11 ай бұрын

@@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.

As an ER doctor, that's true, we're often private contractors. Which also means I don't get health insurance through work. Which blows and also screws patients over because the middleman who staffs the ED is often out of network. Oh, and did you know that insurance companies can completely change what drugs are covered by their formulary anytime of the year? and that doesn't count as a qualifying life event? Wait is our medical system... Irretrievably... Broken?

@AssBlasster

9 ай бұрын

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!

@Superboologan1

9 ай бұрын

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

@zhubwat

9 ай бұрын

@@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.

@magicrainbowkitties1023

7 ай бұрын

> 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

@ciscobriones5904

7 ай бұрын

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..

As a psychiatrist the part when you removed "Mental" from the definition made me laugh while crying tears of rage on the inside

@rowanredwood9316

Жыл бұрын

APAB

@Jehty_

Жыл бұрын

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

@cripplemadewhole

Жыл бұрын

@@Jehty_ 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.

@ohnoagremlin

Жыл бұрын

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

@EmperorQuacky

Жыл бұрын

@@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!

I love the argument of "Well it's either this or you wait for hours in the ER" when we literally all have to wait for hours in the ER

@creeperhunterD

Жыл бұрын

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.

@killerbee.13

Жыл бұрын

@@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!

@GiffyMcgee

Жыл бұрын

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

@ekki1993

Жыл бұрын

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

@58209

Жыл бұрын

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.)

I’m a chronically ill 18 year old American. Im on my parents insurance still (it’s Medicaid but STILL) and cannot get a job because if I do my parents will lose their insurance! Once im kicked off then I’ll need to find a job that either covers all the medical needs I have OR get Medicaid myself. I came here and learned a lot of insurance terms that I never knew so I appreciate that. It’s terrifying being ill in America. You can’t afford to live even when you’re HEALTHY let alone when your body wants to kill you or make your life a living hell constantly. Oh and god forbid you have a rare illness because then doctors don’t believe you and you’re laughed at, yelled at, and told “it’s all in your head”! I almost died last year and was just barely diagnosed with the very same thing that I told my doctor I suspected due to it being a common occurrence in people with the same other chronic illnesses I have. We’re all fucked over here please help me.

@paladinkhan

7 ай бұрын

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

@casquinhaS2

6 ай бұрын

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.

@Reveur_Lucide

6 ай бұрын

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.

@adiuntesserande6893

4 ай бұрын

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

@ernie39

3 ай бұрын

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

The idea that some people look at this and think “the system is working” makes me question their grip on reality.

@justsaying7979

8 ай бұрын

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.

@sisterfixit4017

4 ай бұрын

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.

@robert-rv8lo

2 ай бұрын

Propaganda is an extremely powerful force

@gabrielfordprefectarthurde7563

17 күн бұрын

Actually, the system IS working We need to destroy it

A clear memory of mine: Watching my dad argue with the insurance company on the phone, from his hospital bed, battling with cancer

@keqingsimp2174

Жыл бұрын

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

@seanburst564

Жыл бұрын

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

@vuuvovuuv

Жыл бұрын

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

@berni1011

Жыл бұрын

Genuinely heartbreaking, I would be so enraged I could be on that phone for 2 days

@user-qv2qf1jk5o

Жыл бұрын

@@keqingsimp2174 i want to agree but that Jesús might indicate a French keyboard and I can’t risk it

I'm so upset this came out AFTER I had to learn all this myself LMAO

@DDRWakaLaka

Жыл бұрын

just come to canada bro

@awesomeness_man9550

Жыл бұрын

YOOOOO ITS CIRCLE

@awesomeness_man9550

Жыл бұрын

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

@ScribStat

Жыл бұрын

Same lol

@bitsofgeek

Жыл бұрын

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

I live in India and got glasses at the age of 12. My myopia has cost us a net total of around $100 over the past six years, including three changes of frame style, six prescriptions, and yearly checkups at an ophthalmo. This is after zero government subsidies or aid. American people have no goshdarn clue how much corporates are ripping them off about the price of healthcare.

@sniper2349

8 ай бұрын

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.

@Zanador

7 ай бұрын

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

@joeschmo4646

6 ай бұрын

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

@Zanador

6 ай бұрын

@@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.

@ShoulderMonster

5 ай бұрын

@@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.

I've heard a lot of people talk about getting a big hospital bill, asking for an itemised bill, and discovering that about half of the cost is for procedures they didn't even recieve.

@popenieafantome9527

9 ай бұрын

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.

It's honestly crazy how Brian comes up with these weird existential nightmare scenarios... Like could you imagine if that's how health insurance really worked? That would be terrifying!

@zweenanyimbo734

Жыл бұрын

🤣🤣🤣

@MissPoplarLeaf

Жыл бұрын

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! 😂

@emilytada455

Жыл бұрын

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.

@JustTheWarning

Жыл бұрын

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.

@ahobbit1273

Жыл бұрын

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

Funnily enough, this is the most horrific video BDG has ever made.

@azyrael96

Жыл бұрын

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

@noahkarpinski1824

Жыл бұрын

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

@danielblank9917

Жыл бұрын

@i better call stop spamming

@chaosandbunnies8291

Жыл бұрын

@@danielblank9917 bro it's a bot

@AceStrife

Жыл бұрын

@@chaosandbunnies8291 Imagine people not reporting it for spam. ..or worse, imagine a couple hundred people reporting it and KZread not doing anything about it for months.

I once watched EMTs debate which hospital they should take a patient to because they couldn’t remember which hospital was in what network, while the man held his own head wound closed. That’s when I realized I might want to leave the country… …and then I did. Never have to deal with this crap in Canada 🇨🇦

@robert-rv8lo

2 ай бұрын

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

i recently had to take an ambulance ride, its AMAZING how much they charge you for STUPID THINGS, like it was over a thousand dollars to be taken by ambulance LESS THAN FIVE MILES, (after seeing my bill, i looked it up, and found out i was LUCKY as someone not that far from me, was charged OVER EIGHT THOUSAND DOLLARS for a similar ambulance ride.) and of that, there were some CRAZY fees, like an almost $200 service charge.....because they used their radio, there was also a $100 fee because they turned the sirens and lights on....NOT EVEN JOKING...

It's awfully convenient how health care doesn't cover psychological damage given that the structure of this system causes me the most psychological anguish

@hyperion3145

Жыл бұрын

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

Ah yes. How reasonable to expect a person with a concussion or with terrible wounds to stop their ambulance, doctor, and specialist before treatment and say, "Now, wait just a minute. Are you in my network? If not, would you kindly let my chances of living dwindle and get one who is? Thank you."

@nickvergara4167

Жыл бұрын

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

@Gregavision

Жыл бұрын

This is America 🇺🇸

@thikim7056

Жыл бұрын

ok

@musemccormack5436

Жыл бұрын

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

@clairifedverified2513

Жыл бұрын

@@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

i live in Europe so watching this made me nauseous. I actually feel sick listening to it

@theorderofthepurplephoenix3321

11 ай бұрын

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.

@tapwater4425

11 ай бұрын

@@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

@theorderofthepurplephoenix3321

11 ай бұрын

@@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

@tapwater4425

11 ай бұрын

@@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.

@theorderofthepurplephoenix3321

11 ай бұрын

@@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

I used to work in a billing office for a multi-hospital Healthcare company and it was really radicalizing. Medicare for All is just the beginning of what we need.

I'm a 32 year old professional and this is the most time anyone has ever dedicated to explaining health insurance to me.

@imma-burr8287

Жыл бұрын

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.

@KLondike5

Жыл бұрын

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.

@danielblank9917

Жыл бұрын

@here is the full clip stop spamming

@clairedark

Ай бұрын

Are you professional at beign 32 😂?

@PROTAsoloproject

Ай бұрын

@clairedark I was so good at it they promoted me to 33. :p

I think BDG may have found his true calling: making adulting PSAs. I can't even imagine how helpful this would have been if my high school had shown me this video 15 years ago. Please make this a series.

@purplegill10

Жыл бұрын

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

@KaitlinGaspar

Жыл бұрын

@@purplegill10 YEAHHHHHHHHHHH

@KaitlinGaspar

Жыл бұрын

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

@CheesyLizzy

Жыл бұрын

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

@Lilly-qt4yy

Жыл бұрын

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.

You know this makes me happy to live in a country with universal healthcare. I've been worrying for a couple of months bc i need to get a cronic illness diagnosed and my thoughts have been "man what if this test can't be done by public healthcare and I'll actually have to pay like 20€" watching this video REALLY puts it in perspective

@chibiyumeusa

9 күн бұрын

Omg 20 euro for a test with private insurance? That is so absolutely wild to me. I had swimmers ear last month and a 5 minute doctor consult and 1 week's worth of antibiotic ear drops cost me $140 - which would be about 130 euro - WITH my insurance. *Crying in American*

@elavihere

9 күн бұрын

@@chibiyumeusa oh you can get any prescribed meds with a discount up to 100% (it's normally 40% tho) as long as a doctor prescribes them. We don't have to have insurance for it, something like an in ear antibiotics would be like 15€

Okay you call the guide terrible but this is actually a really excellent guide. I'm a whole-ass pharmacy technician, dealing with insurance bullshit is part of my job, and there's stuff in here I didn't know and I will 100% be copping some of your wording.

Reminder, people of Europe. THIS is what “privatized healthcare” means.

@jakobvanklinken

Жыл бұрын

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

@r.koolen3180

Жыл бұрын

@@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.

@tazzioboca

Жыл бұрын

And South America

@k2_x376

Жыл бұрын

Ok

@jaxkal9596

Жыл бұрын

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

30 minutes of Brian explaining manmade capitalistic horrors beyond our comprehension

@duongchuc1834

Жыл бұрын

ok

@NonExistingName

Жыл бұрын

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

@thomasherena6956

Жыл бұрын

@@duongchuc1834 👀 ok

@dangelobenjamin

Жыл бұрын

Surprisingly informative

@kingcrimson4133

Жыл бұрын

So what you're saying is Unraveled is back?

my parents' had medicaid growing up, and because of this and the state we lived in, i became uninsured at the very adult age of 19. yep, some places in our country literally expect 19 year olds to be able to afford their own insurance. i now owe over 50k in medical bills due to one severe emergency that happened in the 5 years i was uninsured. i now have a job with "benefits" which means i pay hundreds of dollars a month for insurance so i can go to the doctor now. except, ya know, every time i go to the doctor, i still have to pay hundreds of more dollars, even thousands of dollars, out of my own pocket every visit bc my insurance wants to cover basically nothing and they also think teeth are luxury bones.

@stevechance150

9 ай бұрын

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.

@jackgeist3803

7 ай бұрын

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

I think a key thing you should have mentioned is just how difficult it is for low-income people or even retired old people to even get Medicaid and Medicare in the first place. The requirements are very stringent and require you to relinquish any amount of money you have to even qualify for these programs. If you make $1 too much over the limit, you are automatically disqualified. It's a subtle and sinister caveat.

This is genuinely the most terrifying thing Brian has ever posted, nothing is scarier than the American healthcare system.

@poppy4674

Жыл бұрын

Send help

@malmalfactor3544

Жыл бұрын

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

@jordanspencer2157

Жыл бұрын

'The IRS' has entered the chat

@franciscopetrucci

Жыл бұрын

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

@quinnfinity9750

Жыл бұрын

At least they can't calculate your HP yet

honestly, BDG pivoting into edutainment was not something I expected, but I'm all for it.

@MrPiptron

Жыл бұрын

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

@bitequation314

Жыл бұрын

@@MrPiptron *laughs in Britishness*.

@anonymous71207

Жыл бұрын

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

@shytendeakatamanoir9740

Жыл бұрын

@@MrPiptron Unravel is definitely edutainment.

@phinoxford8741

Жыл бұрын

Pivoting? Unraveled was very edutainment

I remember being SO confused when my dad told me to start deciding a health insurance plan at 18. I tried for an hour, just gave up, and somehow lived through it being off-and-on of my dad's insurance. I'm having to relook at this crap again (you were an immense help!) after a sudden "reduce in force" by my employer and to pay out of pocket....can't go without while I'm a type 1 diabetic FML

Managing my elderly arthritic mom health insurance made me quit vaping and to start eating healthier. The system is broken by design and I don’t want anything to do with

I love how KZreadrs in our generation will just organically, randomly, make the critical educational content we need the most effective or memorable way possible.

@toulouse1

Жыл бұрын

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

@SketchUT

Жыл бұрын

@@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!

@Fournier46

Жыл бұрын

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.

@reallyWyrd

Жыл бұрын

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

@lluisperegrino7832

Жыл бұрын

@@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.

So, I have a friend with a chronic disease that was working in the States for a couple of months, and when he needed prescription drugs, he found it more convenient to fly back to Europe, go to the doctor, get the drugs and return. Not just in terms of money, because it was also cheaper to do so, but that way he didn't have to wrestle between several companies so he could get his damn drugs.

@lena_a_m

Жыл бұрын

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.

@genderender

Жыл бұрын

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

@testname4464

Жыл бұрын

@@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

@testname4464

Жыл бұрын

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

@genderender

Жыл бұрын

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

I had a huge stoke of luck with my work provided health insurance. I understood none of it, and way after signing up for it I moved from full time to part time so I could go to college without losing my mind. Well no one told me that I will lose my healthcare for lack of minimum hours as a result, and I wasn't in a role important enough to check my work email. So one of my rare doctor visits, the lady at the desk told me I have no health insurance. I told her to cancel my appointment and I called my health insurance to ask them what the hell. I got a lady who sat on the phone for OVER AN HOUR explaining to me what different things meant on my previous healthcare plan so I can make an informed decision going forward. She also recommended to me that I don't keep my old plan as it would be expensive to maintain. This women even kept assuring me that I'm gonna be alright. Like dude, no one is asking her to work that hard. I hope she is living her best life. I had a point to this but got distracted. I'm gonna... I'm gonna go now. Goodbye.

I work for a health insurance company, and I am strongly considering showing this video to my new hire class to help them understand this insanity. Definitely a broken system

As a Canadian that moved to the US for work, it was maddening trying to understand why people don't riot because of this. There is literally a whole private insurance industry and departments in hospitals dedicated to just dealing with billing. It wastes so much money.

@456MrPeople

Жыл бұрын

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

@harmreductionman4474

Жыл бұрын

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.

@MagicCardboardBox

Жыл бұрын

'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.

@TrogdorBurnin8or

Жыл бұрын

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.

@planetfucksquad

Жыл бұрын

@@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

Me, an Australian: "Oh Medicare I know that one!" Me, an Australian, post-Medicare summary: "Nevermind I have no idea what that is"

@lemonlemonoflemonlemon8057

Жыл бұрын

My reaction also.

@guyspy21

Жыл бұрын

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

@degiguess

Жыл бұрын

Had this same reaction but I'm American

@DudeWhoSaysDeez

Жыл бұрын

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

@Tayl0r_

Жыл бұрын

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.

My ex's family who are multi millionaires right now admitted that they straight up just dont have health insurance since its cheaper to pay out of pocket than pay insurance. Also knew people who quit a high paying job to get medicare(or aid the state one) because it had more coverage than a mid-upper tier insurance and is free. Anyways Im a dual citizen and go to Japan for all my dental and eye care since its too complicated to find a doctor here on medicare and if i do find them, theyre booked out for several months. I hate America's health system and thats the one major thing that turns me off from staying here long term. Literally back when i was in Guam people went to East/South East Asian countries to get medical care

I turn 26 in two days, I’ve got like 15 tabs open on my laptop while watching this, and I’m consumed by fear and confusion. 🦅🇺🇸

I cant believe that Brian just tricked me, a 21 year old who is nervously gripping onto their parents health insurance, into learning about how to navigate getting my own healthcare. You’re doing to lords work Brian.

@thetiniestpirate

Жыл бұрын

I love your picture

@ianwells7916

Жыл бұрын

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!

@EricLS

Жыл бұрын

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

@danielblank9917

Жыл бұрын

@just i c e stop spamming

@ianwells7916

Жыл бұрын

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

Can I just say 1) this feels like a real return to form for fans of Unraveled 2) this really demonstrates that some creators are such that their audience will listen to them talk about literally ANYTHING and trust it to be entertaining

@coopergordon5568

Жыл бұрын

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

@JAAAY62

Жыл бұрын

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

@FranciscaPires

Жыл бұрын

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

@cygnahoshiko4629

Жыл бұрын

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

@JAAAY62

Жыл бұрын

@@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.

I haven't been to the doctor or interacted with the medical system here whatsoever since moving to the US (years ago) because I don't understand it, get most things done when I go back home (and I'm young and will never die), and every official website looks like a scam and asks me for my social security number. So thanks Brian. Because of you I might go and see someone now.

I did an English-Spanish phone interpreting training last year, the job consisted of A LOT of medical/health insurance calls and it would've been AWESOME if they showed us this video

I still can't wrap my head around the fact that a health insurance can just say: "No we won't pay for THIS doctor. Yes, we agree that you broke your leg and needed a cast and pain medication, but it was done by the wrong guy. If Peter had done it we would pay, but we won't pay for Mark!"

@MintyMoron64

Жыл бұрын

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

@tirirana

Жыл бұрын

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

@danhonks6264

Жыл бұрын

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

@shawnawilliamson5321

Жыл бұрын

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

@kirtil5177

Жыл бұрын

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

Working in healthcare, I'd like to add: Insurance companies will do everything they can to NOT pay a claim. They don't make money at the rates they do without denying claims at every chance they can.

@iamjustkiwi

Жыл бұрын

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

@AddMiller221

Жыл бұрын

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.

@Kadaspala

Жыл бұрын

@@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.

@nikolicious589

Жыл бұрын

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.

@iamjustkiwi

Жыл бұрын

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

I'm not American, so I felt a vague sense of relief during this video that I could see my GP twice a month, specialists every once in a while, trial drugs as needed, get urgent and emergency care, and such without getting billed (that frequently). My provincial government is pushing hard to privatise further, and it scares the shit out of me because I'm disabled, can't work, and depend on government programmes to get money and services. So yeah. Only vague relief.

Honestly dude I did medical billing for a couple years and let me tell you this video is so good and comprehensive Thanks for putting this out, it was a nice refresher on the Insurance Monster💀

What kills me (literally) is when the insurance companies refused coverage for anything they could label a "pre-existing condition". An infamous case was a young rape victim being denied coverage for her treatment, because she had been raped a few years previously so her being a rape victim was a pre-existing condition.

@Zeverinsen

Жыл бұрын

You what now?

@qzamboni

Жыл бұрын

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

@korrochime2432

Жыл бұрын

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

@amandasmith1236

Жыл бұрын

Obamacare got rid of pre-existing condition restrictions.

@justbrowsing9697

Жыл бұрын

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

For all those wondering if this is actually a 30 minute video on heath insurance or if it devolves into horror, just know: this video made me cry

@PBSpiralGamer

Жыл бұрын

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

@_lexi

Жыл бұрын

o-oh...

@disfibulator

Жыл бұрын

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

@foolsenigma

Жыл бұрын

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

@galactic85

Жыл бұрын

Why can't it be both?

Rewatching this because I injured my shoulder and elbow and I am dealing with it without insurance.. fuck this is so scary. Every trip is a whole anxiety filled experience trying to figure how many hundreds it might cost for a simple visit..

glad to be learning about insurance from the guy who made one of the most emotionally raw stories about fathers and sons of the modern day, and also made pepcorn.

About two thirds of the way in I felt a panic attack brewing because I was getting scared that I wasn't understanding this enough so I had to start repeating "I'm not American, I'm not American" to calm down. Not sure if that speaks more to how terrifying this system is or to how good you are at immersing me into a topic

@princessalia6

Жыл бұрын

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!

@PerishingPurplePulsar

Жыл бұрын

@@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

@princessalia6

Жыл бұрын

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

@PerishingPurplePulsar

Жыл бұрын

@@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

@RabidDogma

Жыл бұрын

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.

As an Australian, this comes off as a psychological horror video. Please don't take my Medicare away from me.

@ceptemzorpus

Жыл бұрын

you CANT let them take it away

@iamtheradicalleft3608

Жыл бұрын

Yoink 🏥

@austinglueck2554

Жыл бұрын

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.

@The_Cyber_System

Жыл бұрын

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 👍

@joshuamerchant2104

Жыл бұрын

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

Even in-network and out-of-network can be misleadingly easy. An irl example, had to go to a specialist that WAS in-network but the building was out-of-network (which we were not informed of). What was expected to be 70 bucks turned into a $3,000+ bill. BUT BUT BUT- some states have things where if they don't tell you some parts are out-of-network then you can make a claim so you can go back and be like "Uhh, hey you said it would be this but I got charged this because you didn't tell us about a part of your stuff being out-of-network so we aren't paying that." And your state will help settle. Make sure to check with your specific state! Wonderful video that I will keep forever!

i have several chronic illnesses, so i have to work with my health insurance a LOT. this video has been super helpful for me, i’ve actually watched it two or three times now as a refresher! thank you for putting this info together in a way my gen z, brain fogged self can understand easily :)

tip from a health insurance agent who hates his job: if your drug list includes tier 3 and up drugs, you can submit a tier reduction request. basically, if your doctor says you can't take the generic/plan-preferred drug a lot of the time the plan has to "price match" your tier 3 drug to a lower tier. it's not always a guarantee but we have a pretty good success rate with getting these requests approved. most people aren't aware that this is a possibility but it could save you a bit of money. also this video is amazing and made me cackle 😂

@use_alt_love_287

Жыл бұрын

+++

@sabinajoh

Жыл бұрын

Hero

@TMKing_MS

Жыл бұрын

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

@DiamondRockable

Жыл бұрын

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

@Flamme-Sanabi

Жыл бұрын

I understood nothing of this.

As a french fellow, I first laugh. Then I remember my government craves to privatize our health system and the video became suddenly a LOT LESS funnier.

@ChipCheerio

Жыл бұрын

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.

@delusion5867

Жыл бұрын

if they do, prepare the guilotines

@gggggg3912

Жыл бұрын

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

@Moncrom

Жыл бұрын

Yes, guilotines, bro.

@Moncrom

Жыл бұрын

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

This video was extremely helpful, partly by sorting out terminology, but mainly because it made me feel like I wasn't crazy for being confused and overwhelmed by the healthcare system when I tried to figure it out on my own

Keep in mind politicians will tell you socialized healthcare is bad and inefficient, when 1-No it's not. Look at literally the entire rest of the world. Everyone's doing socialized healthcare. I wonder why

As a French person, I...I have no words for this- Our healthcare is already pretty battered, it lacks funding, and there aren't enough doctors in any field anywhere, especially in the countryside, as well as specialists dying out- But this ? This makes our country look like heaven. What the hell ?!

@aag2139

Жыл бұрын

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

@DavideMenezes42

Жыл бұрын

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

@joeybuddy96

Жыл бұрын

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

@stereotype3202

Жыл бұрын

@@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!

@Xantar

Жыл бұрын

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.

As a French person, i started mechanically sharpening my guillotine while watching this

@arc-audio

Жыл бұрын

ship them over please

@Pistolita221

Жыл бұрын

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.

@shtrushtrushtru

Жыл бұрын

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

@kevinwillems8720

Жыл бұрын

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.

@kevinwillems8720

Жыл бұрын

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.

A game you cannot win unless you don't play. I simply don't go to doctors except for things like amputation repairs.

And of course, if you do have an expensive thing come up that your insurance is supposed to cover the cost of, they will do everything in their power to avoid paying what they owe. Obfuscation is one of the big tools to do that. No matter where you gamble, the house must win.

Pro tip: if you have to take a super expensive medication that has a high copay, the drug manufacturer will often have a program to cover the copay for you. This is because they'd rather eat the copay amount if it means they can still bill your insurance for the rest.

@nemo-zl1vm

Жыл бұрын

THIS. My specialty medication would have bankrupted me years ago if my doctor hadn't offhandedly mentioned that the manufacturer had a reimbursement system. It's saved me probably over $100K in the past decade.

@Zeverinsen

Жыл бұрын

You guys have to worry about this!?😭 Damn, I didn't know US Americans were struggling _this_ hard...

@acookie7548

Жыл бұрын

@@nemo-zl1vm as someone who is not american and does not take medication it baffles me to think that a life-saving medicine could even cost 10k a year. is it subsidised at all?

@tails7799

Жыл бұрын

@@acookie7548 I don't think you understood. That IS the subsidized price.

@nemo-zl1vm

Жыл бұрын

@@acookie7548 This particular medication gets billed at $40K per dose, and I get 8 doses per year, but my max out of pocket for health insurance is about $7K. With the reimbursement program, I "only" end of paying a thousand or so a year for it. Sometimes my insurance likes to deny my claim for bullshit reasons, so I get to spend a few months thinking I'm suddenly $40K in debt while I beg them to change their mind. Whatever country you live in, vote like hell to prevent them from privatising health costs - it really is hard to exaggerate how hellish it can be. As for subsidies, there's lots of "it depends" that can take age or poverty status into account. You can theoretically deduct health costs from your taxes, but it's limited and it's difficult to qualify for it.

I would totally watch a series called "Adulting" by BDG that dives in or gives an overview of all the bs the world doesn't teach you enough about until it's too late.

@effluviah7544

Жыл бұрын

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.

@kamikeserpentail3778

Жыл бұрын

I couldn't get through it without encouraging fight club

@tanyaclark8545

Жыл бұрын

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

@kaemincha

Жыл бұрын

taxes would be very good

@HelloOnepiece

Жыл бұрын

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

i've had this sitting in my tbw list for ages. just got a new job that offers healthcare and figured i should probably finally watch this to figure out wtf i'm looking at. i am so deeply appreciative i literally never would've known to check the tier list for my meds, of which i have _several_

i work as an insurance coordinator for a dental office, now i know the perfect video to show my patients 😂 though they are the same on aspects that are the same and some that are different for dental

i actually need BDG to explain every adult concept to me in this exact manner.

honestly this video has made health insurance more approachable, my plan thus far has been "Fuck that, ill just die"

@lordmalachi6

Жыл бұрын

"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

@Thatonedude917

Жыл бұрын

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

@vigilantcosmicpenguin8721

Жыл бұрын

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.

came back to this video after going from medicaid state insurance to shitty blue collar work insurance as a young adult and honestly this is a better explanation than the HR lady or the hospital receptionist OR the call center guy could give me.

I just want to thank you for doing closed captions and not using auto generated captions, very few people take the time to do it and I want to thank you for that.

You know you're chronically ill when the first five seconds of this video make complete sense to you, both in what the acronyms mean and in why BDG chose them.

@jiffylou98

Жыл бұрын

Damn some people really are born gamers. Gesundheit

@rivran

Жыл бұрын

the struggle is real 👨‍🦽

@drcatboy9278

Жыл бұрын

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

@StackedEDH

Жыл бұрын

yup

@NiminaeOld

Жыл бұрын

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.

I'm french and the video was so funny it made me forget this was actually a real thing and not some strange dystopian fiction. Then I read the comments and now I'm tearing up in a bus. This is awful, I sincerely hope this whole system gets burned to the ground and no one ever has to go through that again. How is access to healthcare not a human right??

@SamAronow

Жыл бұрын

Basically, it’s an accident of history. During the Second World War, the US froze prices and wages to prevent inflation, but companies still needed incentives to lure workers during an extreme wartime labor shortage. So they started offering health insurance in lieu of higher pay, and since the US wasn’t bombed to shit during the war and exited into an economic boom, it remained in place. Nobody likes it, but most people are afraid that a total overhaul will mess up the service they’ve already worked so hard to set up for themselves. Even many labor unions are skeptical of nationalized healthcare because they fear not being able to negotiate with employers for their own insurance will deprive them of leverage.

@noalequinoa

Жыл бұрын

@@SamAronow thank you for the lesson in US history, it's really interesting and I had never heard of this before

@philipmcniel4908

Жыл бұрын

@@noalequinoa I would add two things to Sam's explanation: First, our health insurance premiums come with the benefit of lower taxes, meaning that the money we spend on our healthcare system is, at least in theory, "extra" money that we have because our taxes are lower than yours. There's quite a bit of truth to this; in France, the average person pays 27.8% income tax, if I understand the results of my Google search correctly, along with a 20% VAT, meaning you pay an average combined tax rate of 47.8%, while--depending on your state--in my home state of Oregon, you'd probably be paying more like 20% _combined_ state and federal taxes. On the other hand, our marginal tax rates aren't that much lower than some countries that have national healthcare systems, since we also spend more money per person on our military and defense industry. (Some have even complained that foreign countries e.g. in Europe are being freed up to spend more of their taxes on social programs such as healthcare *because* the USA spends so much on defense.) Second, our private system comes with quite a bit more decision-making power for people who are looking for care (maybe not emergency care, but most healthcare). We have a lot of latitude to seek second opinions, perhaps look for a doctor with a similar healthcare philosophy to our own (e.g. on the cost-benefit analysis of ordering tests or prescribing medications). We have a lot more latitude to decide whether spending that extra $10,000 to potentially save our life is worth it, whereas a country with government healthcare will make that "worth-it decision" for you.

@Katharoni

Жыл бұрын

*British

@SkruffiRuffi

Жыл бұрын

@@philipmcniel4908 VAT stands for Value Added Tax, and it has nothing to do with income. It is just a tax added to goods and services that the end-consumer has to pay for (included in the listed price of an iPhone, which is partly why iPhones are more expensive in Europe, for example). So the average person pays 27.8% income tax (according to your research) plus some other collective deductions like health insurance and unemployment insurance (less than 10%). I've lived in both Finland and the U.S for my whole life in and out, and the system is 100% more favorable in Finland for the middle class and the poor. If you're making $100k and more, which is of course more likely in the U.S, only then the lower taxes favor you. Also, you can get private insurance in Europe as well that gives you that decision-making power for far cheaper premiums. Anyway, it's true that the U.S is as individualistic as it gets and a land full of opportunities, so with smart work and some luck you might just be able to get the best of both worlds.

As someone who’s worked in this field for 6 years and still learns terminology while running VOB’s I truly appreciate this video. This is such a great video I’m going to send it to new hires. Thank you.

“Glasses aren’t covered because some ppl don’t need them” Hey just like heart surgery and literally everything else in medicine🎉

@pedrojose660

Жыл бұрын

Also, doesnt like, 60% of the population need vision corrections?

@himanbam

Жыл бұрын

I guess the difference is that you can immediately tell if someone will need glasses in the ongoing future. If insurance companies could perfectly predict who would need heart surgery in the future, they would make that a separate payment too.

I'm in my late twenties, I have a college degree, I teach high school history, and my father once worked in insurance, and this is still the first time I've understood anything about health insurance.

Every so often I come back and watch this so I can stress myself out for no reason. PS my employer gets us a new provider every year with slightly different plans so I get to play roulette with my health insurance.

I'm not an American so the longer I look at this, the more it seems like a good idea for a satire video game, but a "What-the-fuck, who-by-god, how-did-this-fucking-happen" idea for an actual thing. Like, someone could make a video game around choosing a US health insurance.

As a disabled person who has had to literally fight the american healthcare system, this video was so cathartic. I feel heard. Thank you so much.

@slevinchannel7589

Жыл бұрын

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

@garfieldmethodactor8614

Жыл бұрын

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

@violentdelights3400

Жыл бұрын

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.

@funfromabove9728

Жыл бұрын

Samezies.

@EsotericAces

7 ай бұрын

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

I just had an AUS friend send this to me to ask if this was supposed to be satire or if this was fact. I studied medical billing and coding for a year in the US and live in the US with chronic illnesses. This is not satire. This is accurate. This is how the US system works.

@crunglemcbungley

Жыл бұрын

Nice try, I know this is a joke because it does not, in fact, work

@StoryAndSong1

Жыл бұрын

@@crunglemcbungley I haven’t laughed this hard since I finished this video.

@thefabulouskitten7204

Жыл бұрын

Oh my gosh. How do you guys survive

@iiiivvvv9986

Жыл бұрын

In Aus we have Medicare which means most general consults are government subsidied and you have the option to buy private insurance for certain stuff if you need it. Correct me if I'm wrong though

@MatthewBrackney

Жыл бұрын

@@thefabulouskitten7204 we don't

Always reach out to the facility/provider as well. Ask if they offer charity assistance. They can wipe out up to 90% of your bill sometimes, offer payment plans, they may even offer prompt pay discounts so their back office billing doesn’t have to deal with everything said in this video.

this script follows the structure of my "welcome to the US, international student!" onboarding videos eerily close

I feel like its really an indictment of the system that 1. A somewhat basic explanation takes 30 minutes 2. You really do need to understand all of it to navigate getting insurance or healthcare

@chazdomingo475

Жыл бұрын

He just scratched the surface. All the those times where he says your plan/employer/situation may differ? Yeah, that's all real and there are a thousand exceptions to every item he covered. All of them mean you will end up paying through the nose for healthcare.

@ghosthunter0950

Жыл бұрын

Haha 30 minutes? He didn't even explain enough to get started with finding health insurance that's worth your money. All he explained are absolute basics.

@lemurwrench6344

Жыл бұрын

Meh, my process for picking health insurance was basically finding the lowest combined annual premium+out of pocket maximum. I understand the rest but ultimately didn't need it.

@Dysiode

Жыл бұрын

@@ghosthunter0950 That's... literally what OP said

Glad to see BDG is sticking to his roots and still making horror videos

@OctopusOwl

Жыл бұрын

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

@mrpersoonman

Жыл бұрын

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

So, I'm a grown ass dude with employer provided health insurance. I didn't understand half of the terminology at the start of the video, and understand even less at the end of it.

@No-1-rt7tp

2 ай бұрын

I can help you with that. I’m a Licensed Health Advisor. And it’s my job to help the public.

@inscrutablemungus4143

2 ай бұрын

@@No-1-rt7tp Thanks for the offer. Most of it was in jest though -- I generally know how my insurance works, but it's crazy that our system is this complicated to begin with.

Should I show this video at the Friday coworker KZread watch party? Or would I risk my insurance? I work for my insurance provider