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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-billsNow, 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!
You can bet your ass that will get revoked if the Republicans are in charge.
you deserve so much just for attempting to understad and helping people much love
@endel12 I had a similar experience a few years ago with balance billing by a company representing an out-of-network anesthesiologist brought in by a hospital. I sent them a certified letter stating I had no contract with them and they had already accepted some payment from the insurer and were entitled to nothing more. I gave them 30 days to respond. After 30 days, I sent a second certified letter noting their silence, and essentially told them to pound sand. Never heard back.
@Think3r Is that what taxes are for?
Huh, I thought that already existed. When the country you pay taxes to won’t even help you when you’re dying, welcome to the USA.
As an outsider, this feels like the worlds greatest legal scam.
It's truely a work of art, and an amazing sight to behold
@Wackson Jittemore I wonder if that's because most states are gerrymandered to hell.
It's not just a scam. It's also a racket. It's rare to get both of those at once, but by God, the health insurance industry pulled it off.
One thing that BDG forgot to mention is how insurance companies pretend to negotiate 'discounts' with your healthcare provider, even before your deductible is paid up. But studies have shown that the base price for the same service quoted to someone without insurance is usually lower. Healthcare providers literally quote a fake inflated price, to then be "discounted" by the fact that you have insurance, so the insurance company looks like it's saving you money. So, yes, it's 100% a scam.
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.
@BIGRED The US is constantly borrowing by allowing its own citizens to invest in safe government bonds, and is also constantly paying it off. The debt isn’t just piling up.
@Nobody NPR had an article about it after Obamacare passed. Look up “is rape a pre existing condition”. Basically, the treatments that people get after being sexually assaulted, such as treatment for STIs or medications to prevent STIs, could be used to claim that they have a pre-existing condition. Since the passing of the ACA, a person can’t be denied health care coverage simply because they’d been raped previously and had been again, but it’s still technically possible depending on the kind of treatment you needed (I think). I can’t find a source for the original claim, but it was - and maybe still is - a legal possibility.
@ticklord stay vigilant. I would hate to see another country suffer like we do.
@ChumBucket347 Haha, don't get too comfy, our healthcare is only a couple steps away from this kind of hell. Conservatives are trying REALLY HARD to defund public healthcare.
Shit like this makes me glad to be Canadian
as someone with ADHD who has tried several times to look into this stuff but simply CANNOT stay focused enough to do it, this was actually so insanely helpful and calming
As someone with ADHD I agree this made things so much more understandable
took me about 5 months to get proper care, but it's worth it.
i have ADHD and I've met so many fellow americans with ADHD, did they put stuff in the water or something? I can't sit through all of these terms and taxes and stuff and its maddening. It makes me think that taxes and medical insurance were on purpose "obfuscated" while at the same time making it so we couldn't sit still to see through it, maybe it goes even further into our education system as well.
@Marshmallow Being worried that you might get a sh-tty doctor is totally valid, some of them are just stinkers. I feel like I've been lucky, most of the doctors I've delt with have been good, they've really known what they're talking about and have REALLY cared and wanted to help me. Only a couple have sucked. I would suggest just do what you have to do anyway, get a second opinion if you have to/when you can afford to : /
@Severinsen "if it's impairing your life, then there's something wrong." Sometimes doctors DO just suck though, one time I described some sh-t to my new psychiatrist and she literally said to me "you know, some people are just lazy." I was really dismayed b/c i don't want to have to find new doctors, it's a pain in the ass b/c I'm taking medications and I need to KEEP taking them, I don't want to have to shop around for doctors and have them write me my scripts all over again and waste time w/ that... (She wasn't new by choice, my last one quit/switched to pediatrics and I HAD to take her on)
Lobbying is just a fancy term for legalized bribery.
@Xamot II gay
Its funny because lobbying is such a tiny amount of the bribery that goes on. Most bribery to politicians is actually done through insider trading because it can be very difficult to trace.
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!"
@Shawna Williamson to be fair, insurance would probably see it the other way round.Amputation is ok, an artificial knee joint is cosmetic and not needed
@Bryn Bloom Damn, that's effed up. Hope it all went well in the end.
Quite literally when I was a kid we were on vacation hiking in the mountains in Mammoth, California my brother cut his foot open, hobbled down the mountain and called our insurance to see where to take him. Rather than going to the nearby Mammoth hospital to get stitches they wanted us to drive 4 hours to the closest in network hospital
@Elijah Gellock you bruised your knee badly once before, so a harmed leg is a pre-existing condition
@Dan Honks but make sure mark doesn't amputate them we won't pay for that
I'm so glad Brian is still doing psychological horror content, this is great.
@Pattern Recon 1; Please AT LEAST show what your sources are, if you're going to regurgitate them verbatim. 2; I sense you are trying to make a comparison between BID (a disorder where someone desires to become disabled) and GD (the condition where someone is uncomfortable with their birth gender and wants to change things about themselves because of it.) Otherwise, I really do NOT see the point in bringing BID up. Keep to the ONE topic at hand, Don't make any attempts at goalpost moving.
@Airei R i reject your social construct
@Airei R hey baizuoGender dysphoria (GD) is the distress a person feels due to a mismatch between their gender identity-their personal sense of their own gender-and their sex assigned at birth. The diagnostic label gender identity disorder (GID) was used until 2013 with the release of the diagnostic manual DSM-5. The condition was renamed to remove the STIGMA (lmao) associated with the term disorder.LmaoBody integrity dysphoria (BID, also referred to as body integrity identity disorder, amputee identity disorder and xenomelia, formerly called apotemnophilia) is a mental disorder characterized by a desire to have a sensory or physical disability or having discomfort with being able-bodied beginning in early adolescence and resulting in harmful consequences. BID appears to be related to somatoparaphrenia. People with this condition may refer to themselves as "transabled".
@Pattern Recon I'm pretty sure there's more than just one study confirming the validity of transgender people. Also, many credible institutions (I will pull up a list in a reply) say officially, that transgender people are real. I'm not going to even get STARTED on how there's more than 2 genders. Gender is a social construct. Again, BIOLOGICAL SEX IS NOT EQUIVALENT TO GENDER.Let me use myself as an example.I am biologically male, yes. That is a fact that I cannot change. but my feelings about and towards my gender, are that of apathy, and not really feeling either masculine or feminine. This is why I identify as "Nonbinary." I also use different pronouns, than a cisgender male would use. (I use they/them/their/they're, instead of he/him/his/he's.) Maybe if you didn't cherry-pick to fit your narrative, you'd realize that you may be wrong.
@Airei R i said FCK John Money
My dad had a heart attack and drove HIMSELF to the hospital. To him, an ambulance ride wasn't worth the risk (or the cost).
@Dream Up i'm not even sure uber was a thing in my town at the time, but that could've been helpful if we'd had any knowledge of it. it was several years ago now
Fainted in school once, hospital was 2 blocks away. They billed MY DAD the 2,500 ambulance ride, not the school. Grandpa lost his wife to cancer and died years later form it himself because he knew he couldn't afford treatment even as a vet. It's so fucking depressing living here.
@glowstickblood Uber ?
My dad drove himself home after breaking his back for the same reason. When my mom, who has a nursing degree, took a look at him and determined his back was broke (a few of his toes were numb) they called an ambulance. After. After he drove home with fractured vertebrae. Because money.
Heh, funny story, I did the exact same thing myself. My wife was furious with me afterward. Honestly I probably made the right choice though, I survived and avoided thousands of dollars in cost we couldn't pay. I'd likely have a different opinion if I'd died on the way.
It’s terrifying how the companies have so clearly made getting help as convoluted and confusing as physically possible
They scare a large majority into compliance by using communism/socialism as a scare tactic. Even though those are two completely different things that are not even remotely related to a Universal Health Care
It's entirely deliberate. Ever wondered why big companies bankroll anti-public-healthcare politicians? Surely they would want state funded healthcare to remove the extra cost & overhead of managing health insurance for all their workers? Except no, because it stops people from leaving. When "I'm going to lose my health insurance if I lose this job" is on the table, suddenly you're willing to take a much lower wage and you might even vote for those anti-healthcare politicians yourself out of an aggrevied sense that you're already paying too much for your own healthcare, why should you pay for someone else's?
@PowerBeard it's hard to do something against it since it's private. They'll use the ' then don't pay for it if you don't like it' card. Yes, if a lot of people stoped paying for it, they'd have to adapt to not lose income, but sadly, if pretty much the whole market works that way, you have to choose between being leeched by those companies or risk going super saiyan bankrupt if you have any health problem.
it's more terrifying that the people have passively sit by and let this happen to them.
THANK YOU for making this. Seriously. I go to the University of Washington School of Medicine in Seattle, and I think this video should be mandatory for our class. Despite our privileged position as future doctors, we haven't been informed how this stuff works, possibly under the assumption that understanding the minutiae of healthcare costs is below us. It isn't. Understanding how our patients (can't) access and pay for healthcare *is* healthcare. Understanding how they (can't) get medicine *is* medicine. I was already a big fan of yours, but this is next level stuff.Get in touch with me if you ever want to speak to our class, as a panelist, or guest lecturer, or something. Again, thank you so much.
im glad there are folks like you going into healthcare, i have had to come up with strategy plans with my doctors to fight for coverage on certain meds with my insurance on too many occasions when i should just be focusing on getting better and increasing my quality of life with my debilitating chronic illness. truly im glad that you have chosen this field and i wish you so much success in your future. godspeed dear stranger!
This, i worked at a BCBS provider call center and had plenty of MDs calling because they didnt understand the tier list or why certain medications werent covered…. Fun times
(Edit: Sorry, this is posted from my school account but it's still me, author of the original comment.)@Chedder Snevets I half-agree with you. It bears mentioning that the Affordable Care Act was written by insurance companies, who wanted to set things up so that our taxes pay for the "unhealthy" people that they can't make a profit from insuring. That way, they can fleece the rest of us "healthy" people into paying them and making a profit. Really, from every defensible angle, insurance companies shouldn't exist, and there should just be a single-payer system. We're sharing the cost either way - it's just that right now we're sharing it in a dumb way that diverts a bunch of money to evil jerks.As for doctors, yes and no. Patient autonomy exists on a spectrum. If a patient comes in with what is (probably) a rhinovirus and she wants antibiotics, I'm not giving her antibiotics. I'll tell her that antibiotics don't work on viruses and to come back in a week if she's still feeling cruddy and/or her symptoms get dramatically worse. But if I have someone coming in with endometriosis, who wants a hysterectomy despite being 23 years old with no partner or kids, then yeah, I'll sign off on that. I'm pretty sure that patient knows what she wants, and it's her body, so she gets to make that choice. In either case, I inform the patient how this medical situation works, and tell them what their options are. Insurance would approve the antibiotics (which wouldn't cure the patient), but deny the hysterectomy (which *would* cure the patient). My job is to do no harm, and cure the patient. Insurance companies are in the way of me doing both of those things, requiring me to order unnecessary tests before I can proceed with treatment, put patients in danger getting sicker while we wait for approvals, and undermine my options for medications by generally forcing patients to choose older ones with more side effects.
Doctors never understand it. They write scripts based on patient needs...but as the number of patients skyrockets, especially since the adult Medicaid program went into effect during Obamacare, they are giving out more scripts based on patient wants. Whatever will get them out of your office fastest. Insurance has to deny a lot of frivolous testing and medication because doctors rely on it to appease the patient and not because the patient actually needs it.
I'm sending this to one of my professors because it is honestly the most coherent explanation of insurance hell I've ever found(Side note, I too am a gay in Seattle)
As a recent member of the “turned 26 so they lost their parents health insurance” club, this video was immensely helpful. I’ve watched it twice through and legitimately took notes the second time as I choose new health insurance plans for myself.
@D. P. Oh yeah I'll just pay for my thousands of dollars of medical expenses out of pocket instead!!! great idea!!! idiot.
Don’t pay for it your young. Let the system collapse on itself please it’s our only hope.
Exact same boat here. Any tips on what you eventually decided on?
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!
@zee …There is so little you guys have that is better in any way compared to other countries around the world. You have higher crime rates than Australia, worse healthcare, a more confusing tax system, worse public transport, and a whole host of other things. And Australia isn’t the best by far.It really is that bad.
Yeah, if this existed in real life, the people perpetuating this system would definitely deserve to be publicly executed wouldn't they?Good thing they're not real!
@zee you know what your right it's better then how Utahs government tried fixing the pando aspen(the worlds biggest organism) when it started to break apart because somehow they decided to not do much research into the species of the plants because like many species of plants they need to be trimmed and there solution to deer eating way to much of it was a wall instead of fixing there earlier decision of getting rid of the predators because more hunters would pay for hunting license which is dumb but accurate anyway im sad that this millennium old colony of trees is gonna die because of a dude who can't be bothered to do some research
@Noble Moore it's really not bad lmao
Welcome to the USA it sucks here (also mr fbi agent if your reading this please don't jail me for saying that)
This video made me need mental care but I can’t get it because my insurance won’t pay for it
This was like watching a lost episode of Black Mirror. I laughed at a few points while despair tears simultaneously ran down my cheeks. Thanks for the nightmare fuel, Brian!
c'mon theres is nothing even 1% as terrifying as this on black mirror
This actually made me go look at my family insurance's drug formulary and I found out that the medication I take now (SSRI) and every single medication that I am able to take as a replacement, are all teir 3 (which basically means our insurance is only paying 10% of it, and the prices for the medication run upwards of $400)They also refused to pay for one of my mom's exams because the anesthesiologist was out-of-network (we were told by both the hospital and insurance company that they were in-network), so the whole entire visit was no longer covered.
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??
@Sam Aronow thank you for the lesson in US history, it's really interesting and I had never heard of this before
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.
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.
@bb Hi there! So, a copay is a kind of guarantee that the patient will ALWAYS be responsible for X amount of money on a type of service, and the insurance company will ALWAYS pay the rest. The benefit of this is always knowing what you will owe for commonplace stuff like office visits or labwork, and oftentimes at a lower rate than if you only had a deductible. The downside is that you will always owe the copay, and most plans still have a deductible for things like surgery or ambulance services. Does that make sense?
Can you help me understand the 8:06 part? He gives the example of not having paid your entire deductible, getting a test and ONLY having to pay a 10 dollar copay. But wouldn't you also have to pay for the test if you haven't reached your deductible? I'm Irish so I am not familiar with this
@Sydposting Thank you so much for your important work! I support you!
Godspeed, you beautiful hero.
yeah i currently work at my health insurance company and just. yep. yep this is 10000% accurate. also he didn’t even get into behavioral health (my department) but it’s basically just like vision and dental 😭😭😭😭😭
I lost my health insurance due to essentially a technical error. I found out when I needed a really expensive procedure at a facility with facilities fees. It took FOUR FUCKING MONTHS of daily calls, letters, eventually taking it to my attorney general and I had the assistance of an attorney friend who specializes in insurance. It was the hardest, most stressful thing I have ever done. If I hadn't desperately needed the medical procedure I would have given up. I don't know how anyone could do it. I had all the advantages a person could get and I think everest without oxygen would have been easier and taken less time. This system needs to be burned to the ground.
The last year I could find data on was 2019 and it looks like a million people lost their insurance that year alone. That number likely only went up since then.
@CGBK you can't get COBRA when your employer doesn't supply health insurance. I, like a lot of people, work for a small business. There's only three of us. It's a small consulting firm. All of us are older so it would be obscene to offer insurance. We are all insured through the state exchange and the insurance is quite good at an affordable rate. The downside is you are your own HR department and when something goes wrong the exchange blames the insurer and vice versa. It's a completely different world than employer provided insurance. Things like COBRA don't exist. The rules are different. You're taxed different. It's still private insurance but how you manage it is completely different.
@flaffling I don't know what you're talking about but you can get cobra at almost any time. And if you "fall on hard times" you have Medicaid. You are not the norm at all in any way. Again, sorry you went through that but this is not indicative of the system. The system does need to change in general though - insurance should be tied through your job it should be something anyone can get at any time just like other types of insurance.
@CGBK the only way it's not the norm is I actually won after 4 appeals. People get dumped all the time. If you're outside of open enrollment good luck. So if someone falls on hard times, they lose insurance, they can't get back on. They're off and there is no appeal.
@CGBK go lick some boots somewhere else, this is an extremely normal story that millions of Americans go through all the time.
As someone with a JOB in insurance, I want nothing more than to burn this whole industry down.
The most absurd health insurance experience I’ve had to date was the time I was mistakenly sent a letter out of nowhere saying I had been rejected for medicare. (Most likely my name accidentally got tossed in there when my parents were renewing.) I ended up missing open enrollment that year, and a state health insurance agent was telling me I was SOL until I asked them about the bizarre medicaid letter. They immediately perked up and said that if I had a documented rejection, regardless of whether it made sense, then they could qualify me for special enrollment and allow me to find a healthcare plan.All because I, in my 20s, was mistakenly sent a letter about a nonexistent application for elderly coverage.
Sorry I said both; I meant Medicare. The one that made the least sense for me at the time.
I want you to know, I recently took a four hour long training on insurance provided by a national independent living organization and you explained this better in 30 minutes.
This is genuinely the most terrifying thing Brian has ever posted, nothing is scarier than the American healthcare system.
@Quinnfinity Any long term doctor or nurse can take a few seconds look at you and pretty much know your HP to a level that would shock you.
@Endig the amount of times you can get shot with a cannon
@Goofy ahh stop spamming
@Endig only if you're the navy
@Quinnfinity There is a job specifically for calculating the likelihood that you'll die so..it's almost there
I started out laughing, but ended up crying. That’s theater, babeeeee!
Ah yes, drug tiers, I know those well! It was such a joy when United Healthcare inexplicably upped the tier of all my ADHD meds so that they cost so much I could barely afford them! I love the US so much. *sobs uncontrollably.* Also got hit with that good ol' "ambulance is out of network" fun and games and have been paying off the full bill for an entire year.
And this is why I stopped taking my ADHD meds all together. They didn’t help me enough to pay almost $250 out of pocket every month.
And what sucks is when you DO go to the hospital and pay all that money you often don’t get taken serious and end up going home with a misdiagnosis
This. Both my brother and my mother have had to go into preventable surgery that made it so they had exponentially worse short and long term health repercussions (with my mom's being life threatening emergency surgery) and too many a times have I turned to Google because it doesn't make sense to pay for a doctor's visit just for them to say 'your blood and pee is healthy go drink water or something'
I really wish something would be done about the healthcare in America. It is horrible having to gamble your health and potentially a life/death situation. Even with insurance it is still so expensive to seek out help. And not to mention how sometimes it can take months/years to be properly diagnosed. Because you have to make sure that your insurance covers the right doctor/hospital or covers a procedure/test. It is so frustrating. Don’t get me started on women’s health omg. I went to urgent care for severe chest and arm pain on my left side. Was told it was just my anxiety and given an anti inflammatory pill. I felt I wasn’t taken serious. And was in pain for over a month. Thank you healthcare of America, you’re great. 😢
The developers really dedicated a lot of time into the worldbuilding of this dystopia. I'm beyond impressed.
@Randarr The Barbarian I feel like people don't understand how much they pay for healthcare when i hear the complaint about taxes
@PBMS123 It's less insane when you consider how they propagandize. They prattle on about how much of an increase in taxes it will be to have healthcare while conveniently ignoring how much take home money people will actually gain when they trade their premiums out for public healthcare. They talk about wait times being longer in countries with universal healthcare, because in the US with the system we have it's impossible to gauge how much time you waited before going to the doctor because you couldn't afford it so we can't count that as wait time. Fudging the numbers all the way to the bank.
@Chaz Domingo It's not a functioning democracy. It's a functional oligarchy as things stand currently.
you can't say that, it's too real
@Chaz Domingo > a functioning democracyAmerica's never been a democracy. One side of the political aisle prides itself on that fact.
I'm finding a new health insurance provider rn and on top of the normal stress of diving into the marketplace I've been HOUNDED by scammers like non-stop; no idea how they got my number or email but they're like stalkersI feel so bad for the elderly or those with poor english cause the likelihood of being scammed is so high
This is objectively Brian's most terrifying horror video.
Unironically the most intuitive and helpful guide to American Health Insurance I've ever seen. Thank you for making this.
I worked in a dental ins call center for maybe three weeks and had to leave. The healthcare is so confusing for the members but the training is abysmal and it’s so sad because it’s so convoluted you really can’t give proper answers bc you’re confused yourself. Every day felt so demoralizing and soul sucking for these poor people who just wanted care. I couldn’t take it and had to quit. Our healthcare system is such a joke.
As an Australian, this comes off as a psychological horror video.Please don't take my Medicare away from me.
Then be sure to fight for it with your ballot, it's a lot more fragile than it looks. I live in Cairns, and the number of GPs here that still bulk-bill can be counted on one hand (and you'll either be waiting 4-6 weeks for an appointment, or it's basically an overflow clinic for urgent care)
*NEVER* LET THEM TAKE IT FROM YOU! DO WHATEVER YOU CAN. RESIST WITH YOUR ENTIRE BEING. *NEVER*, *NEVER* LET THEM TAKE IT AWAY!!!
@Panicking Strumpet Psst!, just a thought: private healthcare is probably better in most countries with strong public healthcare, precisely because strong public healthcare forces them to be extremely competitive, right?
Nah, it isn't a psychological horror film, don't be sillyit's our lives
yeah this made me realise i'd probably be dead without medicare. whitlam very literally saved lives by creating it and got repaid by being kicked out by the queen :/
As someone who does licensing for Drug Addiction Treatment facilities.............. it gets worse :)
i applied for medicaid 2 days ago and was on the phone with an agent crying for an hour bc i thought i was gonna go to jail for seeing if i was eligible for medicaid and it turned out i was eligible for medicaid but not really and he told me that applying for medicaid is so confusing for the average american that they usually just assume someone to be uninformed when they make a major illegal mistake on their application
What I learned is that I will never understand any of this no matter how hard I try. Every new acronym just confuses my adhd mind more. I just want to fucking pay one flat monthly fee and get the best treatment available when I need it.Jesus fucking christ I hate this county.
As someone whose wife is diabetic and child has seizures... no... meeting the deductible doesn't mean we had a lot of unexpected health issues. It literally just means we got regular, normal care for people with such conditions, and met our deductible in like a few months. Oh and the deductible is like $3000.But at least we don't actually have copay/coinsurance on most services after that. Although we do pay like $500/month for it...Oh, right. So our regular expenses basically come to a wash. It's literally only worth it because it means we don't have to pay taxes on any of that money (premiums and deductible since we use an HSA) and we might pay slightly less thanks to insurance discounts (although mostly insurance discounts just inflate the cash-pay prices at doctors who accept insurance). Okay, and because it covers stuff like surgeries that might happen.
Can't wait for this to be the unironic insurance guide that everyone grows up with
can't for for this system to get scrapped with a simpler more equitable one that actually serves people and not an industry
@Riley Shaw no u
already there ://
@Clay Hamilton not necessarily but I would at least like to have been given a handout
@occam saturnson do you really think you that American students would pay any attention during a class about health insurance?
I used to sell health insurance in a call center and I can confirm this is all accurate especially the gambling on your health part. I legit started saying it's gambling almost a decade ago, I harped on that so much.Obfuscation is accurate too, do you know how often I knew how to answer a question someone had on the phone? Like, 50%. Seriously, health insurance companies won't even tell the people selling their stupid plans everything they need to know! Half the time their websites weren't even helpful to me, someone literally trained to use their website! I can't count how many times someone wanted to know if their doctor was in-network and the website's doctor lookup tool turned out to be outdated on that front!You don't even want to know how customer service was, half the time new members would just call us instead because it'd take an hour to get to customer service and they would have less training than us somehow.
You ever go inpatient because your suicidal, your insurance won't pay for ECT treatment after 23 failed antidepressants inpatient, and then come home to a letter from your insurance that they didn't cover it because "you wouldn't actually do it". Wouldn't that be SOOOO funny /s (it was me, this happened to me)
Thanks for putting the work into this funny and informative video.
I've been paying for a single ambulance ride for 4 years now and every month they send me a thank you letter with a hand drawn happy face that I cannot bring myself to throw out so I have these letters hanging around my room like the room in a beautiful mind America feels like a dystopian novel I can't believe this is really our lives
Glad to see BDG is sticking to his roots and still making horror videos
This is the clip u all looking for :kzclip.net/video/mCfYi7634rU/бейне.html
This is even scarier cus everyone in the US has to deal with this.
I'm upset that I'm still confused ): I don't think it's Brian's fault, it's just this is so dumb and complex at the same time
As a European I feel obligated to say; "This is fucking crazy!" and/or "We have it so much better!"With that out of the way; one hell of a funny video man!
As an American I feel obligated to say: "Please don't let this happen to you!!!"
yeah, cant say our healthcare system here in Sweden is great, at least I dont have to worry about ambulances and if i am in network
This was fascinating to watch and also cemented my belief that I could never live in the US since I already find my much simpler and almost entirely subsidized healthcare options in my country extremely overwhelming
This video makes me want to die, but I know the funeral business is almost even larger scam
30 minutes of Brian explaining manmade capitalistic horrors beyond our comprehension
@Adélaïde You're parroting poorly digested leftist dogma, you are not making arguments. It's not my fault that your ideas are wrong. Jesus, you complain about corporations as if they're not _exactly_ what you want. They're massive, state created, publicly owned firms that control _vast_ swathes of the economy. An ideological capitalist would _never_ create something like that, that's a _socialist_ wet dream, and that's why they're pure evil and they're destroying the fucking world. "My people" lost control over a century ago, after the end of the industrial revolution here in the west, it's been _your_ people running things ever since, and we've been on a _harsh_ downward trajectory since you've come to power.
@Robert Martin it's funny how you advocate for systems, then blame it on socialists when your systems go wrong because you refuse to acknowledge its your people that caused this corporate hellscapeBut ok. Think whatever makes you happy ig. Whatever helps you sleep at night.
@Adélaïde 1. The wealthy are the most productive. They're the ones who make and sell everything, the workers and the non-working poor are the _least_ productive, their contribution to the economy is labor and consumption, not productivity. There _are_ wealthy people who aren't productive, but they're the ones you're trying to empower by centralizing control of everything within the state. They get wealthy by stealing from everyone else, not by making anything. 2. You are arguing for socialism, you're arguing that the state should annex total control over every aspect of the economy, and that's socialism. Public control of the means of production. It has nothing to do with worker control over the means of production, the workers can control a factory or a farm privately, what you're advocating for is _public_ control over the means of production, and that's a very different beast. 3. No, the cost, quality, and availability of housing do not improve when the market is controlled by the state. Again, the reason that housing is so expensive in the modern developed world is because of taxes and regulations imposed by modern states that drive up costs for buying, renting, and developing new housing. The costs of transportation don't go down when it's owned and controlled by the state, they're just spread out across the whole of society so they _appear_ to have gone down. Same for healthcare. All the while the actually health of the economy is diminishing as fewer people produce less efficiently, and capital is either wasted or flees to better markets. And yes, so called social democracies do pay their workers more, they just take home less. And yes, that is why the wealthy are taxed more. Frankly they should be the only ones getting taxed at all, but the kinds of systems that people like you insist we build necessitate taxing _everyone_ dramatically more than is necessary.
@Robert Martin 1. The wealthy aren't nearly as productive as the workers. If capitalism was a meritocracy (which it isn't), almost the entire thing would be flipped except for Healthcare workers, which would still be boosted up to the top.2. You're not arguing against my point, you're trying to argue against socialism... but also what you're describing isn't even socialism, it's a heavily misinterpreted form of socialism due to the red scare and anti-leftist propaganda. (Democratic socialism is the workers owning the means of their labor and therefore having more control over their hours and being payed more for their work because there is no one cutting parts of their paychecks out to stuff their own wallet)3. Housing prices go down substantially of housing is treated as a basic necessity, not an investment by real estate agents. Transportation goes down with the decentralization of cars and more stable public transport and walkable/bikeable cities, and Healthcare costs go down all for the same reason... everyone contributes to everyone else.You don't get payed more in a social capitalist democracy, you just don't have to pay nearly as much for the basic necessities to live and you can spend more on things you enjoy in life.The wealthy are taxed more because they can afford to be taxed higher. Taking a poor person 40% of their income would slam them into poverty quickly, yet a billionaire being taxed 40% of their income would be perfectly fine.
@Adélaïde Yes, if you tax the wealthy and the productive, and redistribute that wealth to the poor and unproductive, then you are incentivizing people to be poor and unproductive. The wealthy and productive stop producing, or they raise their prices, or they just _leave_ and then you've got nothing to subsidize the poor and unproductive with and the system collapses in on itself. You'd go homeless because housing, transportation, and healthcare are all dramatically inflated due to the heavy taxation and regulation that those industries have to cope with, if you reduced the tax and regulatory burdens on those industries, and stopped the state meddling with them so much, then those prices would go down to more reasonable levels, and a car accident wouldn't be such a financially damaging event for people anymore. You'd just go to the hospital to have your wounds mended, and you'd either fix your car, or go out and buy a new one, the way that people did it sixty, seventy years ago.
I’m now realizing that if I wanted to I could make my hair look just like bdg’s with a little time, a comb, and a brush. Like I have the same kind of hair as him
Man, the worldbuilding on that dystopian fiction is crazy
Sometimes you pay your premium and then get kicked off your insurance with no notice, then you find out at the ER right after they tell you you need emergency surgery 🙃
I have just the slightest feeling this is just maybe, possibly based on a true story...
One time, I randomly got a letter from my health insurance, suddenly saying they'd stop covering my medication (they did for the previous 3 years?) because there was "no evidence to support it's effectiveness for (my illness)." I literally use it for it's primarily marketed use. My doctor was a real one- She literally just edited the prescription so the pills were half-dosage, but instructed to be taken x2. Literally the same exact treatment, but I take two pills instead of one. They accepted it. (Now I just pay my expensive copay x2 as often as before, going through a prescription twice as fast... Got me there.)
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.
ooo a horror series!! sounds fun
@Lilly ok boomer. anyways shake your general doc down until you get what you want, & tell your therapist every appointment when will you get a retest (if you need it)
@Lilly you do realize neurodivergency is vague and broad as hell of a word and that it really Does Not affect life that much unless youve got the really bad ailments anyway
@Cheesy Lizzy what do you mean explain taxes? You use TurboTax or some bullshit middleman that lobbies to prevent the IRS from just fucking DOING IT FOR YOU and answer the questions. Accept the standard deduction if you don't own a house(since you asked this of a KZclip twink I'm guessing you don't) and you're done. Taxes are ez pz with modern software and the rules change year to year.
Yes. Indoctrinate the children early into the obscene man made horrors to come.
its almost like that they make this complicated on purpose...🤔
not even a minute in and i already feel at ease knowing that i am not alone in feeling like my mind is made of mush after going over health insurance options
Oh my god, BDG, this video needs to be seen by literally every American adult. I had a tenuous working grasp on this shit, enough for a reasonably acceptable plan, but man, I felt my world open up with this video. It's just what I needed. It's an entertaining definition of terms but contextualized and presented smartly. I just wanted to say: Well done! And, thank you.
So, I don't normally comment on youtube videos, but I wanted to say you did a fantastic job explaining this. I work as a Benefits Coordinator for my company and as much as I try to help simplify and explain this to my employees and coworkers, it is always confusing :/ You did a great job explaining this. Thanks Brian!
Can I just say1) this feels like a real return to form for fans of Unraveled2) 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
@FiveByFive You're in denial.
@Vigilant Cosmic Penguin That's just because it's impossible, due to BDG being a fictional character.He's not real and his videos about this "American health care system" can't hurt you.
@David Duarte Come to think of it, I've never seen BDG and Yakko in the same room together.
@im sacred stop spamming
@Cooper Gordon I just realized that BDG is for me an "adult" version of Yakko Warner, I could just watch him read the dictionary and I'm sure I would be entertained
I've been studying to be a medical interpreter, aka translator, and have been losing motivation because I don't want to throw people into this monster of a system.
Please don't -- they will need to navigate it regardless. I've worked with a ton of medical interpreters in my job and an engaged and compassionate interpreter can make all the difference!! They do not get recognized for their hard work nearly enough.
In summary: Health insurance is basically just the world's absolute worst coupon book of all time.
My wife has a blood condition that 4 people in the US have. It’s SUPER cheap to treat, but bc it’s rare, we’ve had to fight for 9 months to get care. Thank you for this cathartic, and hilarious, recap of our year.
Same thing happened to my family, insurance wouldn't accept the first Dr.s letter so had to literally beg the chief of medicine of a children's hospital in person so my family wouldn't be financially crippled for life... and we're the ones who are lucky
I think his explanation on Kingdom Hearts made more sense than the US health system.
Reminder, people of Europe. THIS is what “privatized healthcare” means.
@Kelly Nolen Copyright and patent laws and things like that are important. If someone can just copy your work and profit from it just as much as you will, then you've got no incentive to _make_ new things in the first place, and if no one has any incentive to innovate then no one will innovate and the economy will stagnate. Indefinite patents and copyright are bad because then innovations can't _spread_ throughout the economy and you'll wind up with singular firms dominating each of their markets, and the economy will stagnate. Companies paying politicians to change those sorts of laws to favor their own firms is a great example of state interference _harming_ the economy.
@Robert Martin true also artistic copyright no artist needs the rights to there one imaginary story after there dead thats just bullshit how could they let it get that long i understand letting an artist have there sory for a good few years but having to wait a lifetime to inovate and retell anything is just criminal
@Robert Martin true also artistic copyright no artist needs the rights to there one imaginary story after there dead thats just bullshit how could they let it get that long
@Kelly Nolen Yes, that can happen but in a free market cartels like that are rare and inherently unstable, all it takes is for one member to abandon the cartel and the whole thing falls apart, and that _always_ happens. Cartels like that can only survive with the support of the state.Medieval guilds were entirely dependant upon their states for stability, and they collapsed as soon as they lost that support. The modern Canadian syrup cartel is entirely dependant upon state support to maintain their monopoly. In a free market monopolies are unsustainable, they do not perpetuate themselves unless they're being supported from outside the market.
@Robert Martin yes but lets be real the buisnesses will make there own guilds to stop out competition and self regulate for the benifite of the few if you let them
I just got laid off and when I got my cobra letter and read that my monthly premium would be 1600 a month I was honestly speechless, so I decided to get another job instead
@PowerBeard …You severely missed the point
And then there's still like 3 months before you're eligible for a new employers plan
@Florian Idschok It's either that or pay 100% of medical costs out of pocket, or not afford to live and actually die.
@Florian Idschok aye, ‘n feck ur ancestors fer shipping mine across the Atlantic. This is a joke if that wasn’t obvious
@Rob thank god I don’t live in america then lol
10:11 I actually got prescribed Levaquin when I had double-pneumonia and an ear infection at bootcamp! Easily earns it's place in the bangable tier. Man, getting a taste of "free" healthcare was fun while it lasted...
As a French person, i started mechanically sharpening my guillotine while watching this
Could you cover these as well:The real estate industryCorporate tax codeAnnuities 401ksThe criminal justice system The divorce industry Car dealership financingStudent loans Higher education financial practices
I'm so upset this came out AFTER I had to learn all this myself LMAO
@Engliships huh bro what r u talking about
@Eye es bot
@Engliships scam links
The two types of comments:**American suffering**And"Good video, mate!"
You should have received a government grant to make this, goddamn
I am a biology major and trying to find a healthcare plan has been harder and more confusing than any class I've taken so far.
I'm an EMT. The money you spend on an ambulance ride (which I'm aware can be upwards of $10,000) does not go directly to us. I'm not confident it even directly benefits the hospital. Depending on the organization, and I will be fair with saying that I mainly do contract/ICF work, some fire stations and ambulance corps have actually struck me more as under-funded. Which is odd, because I've also seen fire stations with better equipment than some actual hospitals, including a geothermal power plant in Salt Lake City.While I do understand the sentiment of how unbelievably bullshit the amount of money one must pay to insure their own life and health, I understand just as well that the healthcare in the United States is some of the highest quality care one can receive on the planet. I see exactly how advanced a lot of what we do is and I know it dwarfs the quality in many other places. Hell, many of the advancements in modern health come predominantly from this country.So it is no small statement for me, a healthcare worker, to say that the way in which we privative healthcare is fucking horrible.The amount of money that medical research costs is high, but in no way should any person experiencing legitimate and at times urgent issues with their health ever,AND I MEAN EVER,have to pay as much as they do on average. The costs of the equipment I will use in even some of the most dire emergencies I can think of even happening that can be handled by an average response crew on an ambulance as well as ALS and other resources called would realistically be satisfied by a fraction of what the victim actually has to pay, sometimes even with insurance.While I do not think socializing healthcare is necessarily the answer, I can tell you as someone who has 7+ years in EMS as an young plucky EMR at age of 17 to now, we have to do something different. There needs to be a serious reexamination of our healthcare system that will benefit the quality of care given as well as effectively managing research into better methods of treatment that doesn't make a low income family go into severe debt because of an illness or traumatic injury one of them suffers from.
As a psychiatrist the part when you removed "Mental" from the definition made me laugh while crying tears of rage on the inside
I've actually heard doctors say "it's just anxiety". Even the American medical culture doesn't respect mental health like it should.Hell it was just TODAY in the ER that it was the psychiatrist who told the MD treating me that he was wrong to push for a psychward admittance and that I needed better testing by various specialists. That makes him the 3rd psych to stand up for me against doctors who dismissively try to write off my symptoms as "just anxiety". It pisses me off. It's a refusal to acknowledge anxiety as a real and frequent secondary symptom of a number of diseases and it's a complete dismissal of everyone who is a primary sufferer of anxiety as tho they aren't experiencing a real phenomenon. Some of these docs have really really pissed me off over the years.Shoutout to the mental health profession where by ratio I've encountered a substantially larger percentage of competent, rational professionals than in any other medical field to date.
@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!
@Jehty in most cases folks just don't seek it.
@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.
So who pays for mental healthcare?Do you have to get special insurance?
I've been saying that somehow private corporations are beuracratic than government on this issue and I've been dismissed or ignored for years. The HR departments can't even explain the terminology well and somehow they're paid more than me. Thank you for making this. You've vindicated not only me, but my late Grandmother whose death was preventable but she had to wait on a referral through her plan.
BDG doing a french accent to mock us brits and then immediately remind us that wow he actually knows british politics and has for a while is the exact smash cut of feelings i watched this video for. Thanks Brian!
he's been in britain long enough in his life to know exactly which buttons to press to make british people cringe. source: twitch stream frequenter, where the british accents are endless, endlessly varied, and terrible
I love how Brian is now appealing to the new college students who watched him. Good job staying with your audience
There was a surgery I wanted to get that a lot of doctors straight-up refuse to do and when I finally found a really great specialist who is vocal about being willing to do that surgery, *she* was covered by my insurance but the *building* the surgery would take place in wasn't. I legitimately almost cried in frustration. But I eventually found a less-good surgeon who took me seriously and didn't try to "But what if your husband dies and you marry someone else and he wants kids? What if after years of saying you don't ever want to have kids you suddenly change your mind and decide this thing that you have literal nightmares about sounds like a great idea?!" me like other doctors have.Being an American woman is great. :') Thanks for this entertaining and informative look at the nightmare that is health"care".
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.
I think I need a clock that's constantly ticking to remind me how much time I have before my health insurance can no longer be on my parent's plan.
Some states let you keep your parents insurance until you're 29, check your local laws 🤞
@Eric Swenson 3 to 4, depending on when her birthday is. It drops when you turn 25.
@just i c e stop spamming
Well….can’t you have it for 6 more years?
This falls squarely under that "shit they should have taught us in highschool but didn't" category. Thank you for this video. I sure hope every health class shows this video on a Thursday at the end of the period before a holiday Friday/on a half day.
every year i have a baby, we hit out max out of pocket... babies are luxury goods in the USA
coming back to watch this because i have to get insurance now.
This video has explained health insurance more efficiently than LITERALLY ANY open enrollment presentation at any job I've ever had.
As an American college student, this video is genuinely very helpful. They never teach you any of this stuff but it can be life ruining if you don't know about it.
@Chaz Domingo Sorry, but wouldn't the lemon problem suggest that adverse selection runs the other direction in health insurance?
@thebadpoet dang. as a music/audio tech major hopefully I'll get that stuff too soon...
@Alan Daniel I think and hope we are approaching the day where the insurance system race to the bottom creates an environment where you just go to walgreens and pay out of pocket for everything lower consequence than surgery. It is clear the Walgreens/CVS etc. are already slowly advancing toward this.
Can confirm, as a 35-year-old who's been paying upwards of $750/month (that's just the premium alone) for >10 years now for a personal health insurance plan and STILL pays thousands each year on medical bills/prescriptions/etc. The entire system is absurd.And even still the insurance company nickel-and-dimes you or straight-up refuses to pay for things. I have a fairly good plan, and the 3 prescription meds I'm on are cheaper using GoodRx coupon codes than my insurance prescription copay. Like what's even the point of it if it doesn't help me pay for things?
All of this is why I'm chaotic good and afraid I'm heading towards extremism.Meaning I do my own goddamn taxes, and would sooner vote for a literal boot then any politician that is in the pocket of tax act or TurboTax or whatever.
Love trying for two years to get a referral to see a specialist and being told that it could be a waste of their time by someone who doesn’t understand the field well enough to identify the symptoms only to have to waste THEIR time enough through multiple visits until they cave and I finally get the medication I need from the specialist and it changes my life. YAY HARASSMENT 👍🎉
As a chronically ill person this is the most I've laughed at a video in a while
If this hurts my brain as an American, I can't imagine how it feels to learn about this for people from Canada or Europe.
Dutchie here.My insurance costs roughly 110 euro's.I get 112 euro's from the government to pay for that. We call this "zorgtoeslag" (roughly translates to "care bonus"). It means that if you make under a certain amount a year (usually around 36K) the government will fund part of the insurance to make it more affordable.You have to apply for all this of course.I basically have a form of free health insurance as I am a young adult who does not make more than 36K a year. The american system seems from my point of view pulled straight from a dystopian science fiction novel.
Me: I don't understandAmerica: That's the point, silly! Sign here.
I'm a 32 year old professional and this is the most time anyone has ever dedicated to explaining health insurance to me.
@here is the full clip stop spamming
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.
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.
I'm hella disabled and on Medicare, and having gone through so many of these plans in my very sick life, BDG nails my frustration.
This helped me feel less anxious since we're coming to that time of the year for renrollment. Also making sure I keep my therapist and doctor in-network.Also glad to know I'm not crazy, cause friends and family the Healthcare system is normal and I just have to work my way through it. But really, if obfuscating and making things hella confusing. At least with this video and comments there's people who knows something is wrong with our US Healthcare system. Also think it's super mean that obfuscating people is "normal and fair" and to get the real deals you must find the right secrets and such. Like yeah, unfortunately it's normalized since this is how the US system goes, but it doesn't mean it's good, and I wish I could make my family and friends understand that
It’s almost like open enrolment is at Christmas so no one has time too actually look into health insurance options
This video should be shown to people in highschool.
I love how KZcliprs in our generation will just organically, randomly, make the critical educational content we need the most effective or memorable way possible.
It's necessary. Con men were elected and specifically engineered this to be confusing to scam you. Inevitably someone fights back
@Zoë Nightshade 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.
well exactly. They're filling a vital niche that no one else is. Anyway, Brian's cool.
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.
@Zoë Nightshade 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!
Damn, at this point I’d rather just have them slap the actual bill than to go through all this tiring nonsense 💀Oh also, Brian, my professor included one of your videos in his PowerPoint so congrats!
This is amazing. Subscribed!😂
This video sure does make me happy and proud to be an American! More terrifying videos from BDG, just in time for Halloween!
I know this is a comedy skit with a very-subtle political flair, but this is legitimately a fantastic resource? Leaving my dependent status in a few short weeks has me totally overwhelmed trying to understand all this stuff, especially when you aren't sure what's just marketing and what's tangibly important.
honestly, BDG pivoting into edutainment was not something I expected, but I'm all for it.
@Bully peter stop spamming, i will literally report all your comments, I can go all day
What do you mean? This is existential horror content.
did you not watch the jorts video ????
So if we nationalize healthcare, then we'll have to simply take from the military budget to cover all costs. No copay, no deductibles, no premiums, now bullshit.
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.
Working as an interpreter for non-english speaking patients in the US and seeing this killed the already tiny desire of moving to the US. It's al a messy maddening racket and I hate it.Also I beg for someone to make subtitles in other languages. For the love of all that is good, everyone that goes to the States should know about this.