It’s always crazy when you go to the hospital and you bill is $20,000. Then they find out you don’t have insurance, then the bill goes to 3,500. Lol! That really happened to me.
It’s because of insurance The companies basically barter with the hospital saying they won’t pay that much, haggling with the hospital to get the cost lower So the hospital will compensate by raising the price so even haggling down they still make a profit (even if the profit isn’t massive) That’s why we have such high hospital bills, but if you don’t have insurance; they don’t need to haggle, just give you the price and you’re good At the end of the day, the doctors just need to be paid and the hospital needs to stay up, it’s the insurance companies that cause all the mess
@@jimmac1185on PC, you can download an extension for your browser for RUclips that shows thumbs down. Only for the video though. If you thumbs down my comment no one can see that, even with the extension. Just Google something like see thumbs down extension. Can't remember the name.
Self employed, been paying 18k per year for a family of 5, for literally no script coverage, $60 doctor visits, and a 14k deductable. We're finally done, not renewing. Going with a health sharing network, and an HSA. It's a total racket, straight up should be illegal.
Lol. I had a company charging me $1600 dollars a month for family health insurance. I said I'll take my chances with the doctors. $20k a year for health insurance that doesn't pay anything to begin with. You must be outside your damn mind.
I had to pay the exact same amount.. but I had to get it because my wife is a type one diabetic.. they tried to fight us on paying for her labs, and they practically refused to cover for her insulin pump supplies until we had her doc say it was a necessity because she was pregnant with our second and was a high risk pregnancy. We payed out of pocket for all her blood work, her supplies and her labs for 6 months. An extra 2k every 3 months
“We could also only pay for the services if the user is willing to call us 3-5 times and spend an average 3-4 hours arguing that we are supposed to pay.”
"At least the Mob held up their end." Oh shut up. The "protection" the mob was giving businesses was from them. And if you declined their "offer" for protection, they'd make sure your business had an "accident". Don't sit there and act like mobsters had any kind of honor, because they didn't.
@@Commodore22345I won't say they're honorable, but they DIDN'T have hidden fees, you knew where they were coming from and it was mostly a flat rate. That's already a far sight better than what insurance companies do today.
@@Matt-ve3ql No it doesn't. There are no instances of an insurance company burning someone's business down because they refused coverage. If you're going to make a joke, it at least has to have some basis in reality.
Sent this to my whole family who is self employed. You started a new group chat excitement. Hahahaha thank you for all the good content. Always getting me through the days.
This is not just self employed people. Its all people who work for any company. What most of you dont get is that on top of your $15-$25 per hour, companies are paying for your insurance, insurance on the worksite, insurance on the property, insurance on the company. On top of the taxes on your wages and the never ending State, Federal, County, City taxes AND your unemployment. It literally makes a $25 an hour employee cost the company $55 an hour or more.
@@dontbestupid6664 that's the price for manufacturing a world full of slaves..slaves have to be paid for..in exchange for their pointless energy output in the name of greed and materialism..
I work in ems and the amount of people we get that are seriously injured but don’t decide to go to the hospital because they’re afraid of bankrupting themselves is UNCANNY.
Very good friend's father in law cashed in on that plan a couple weeks ago. I don't guess he meant for his 20 something year old daughter to find him. The world screws you, so when you have a tough time you screw up your kids? His first granddaughter is due mid January. You realize you're not actually solving a problem right? Just creating more? Fucking cowards.
And then, even if they get sick, before the docs can even start the treatment, we are going to require them to get a “pre-authorization“. And you know the best part? We are going to deny most of the pre-authorizations. Or, better yet, we are going to require that the patient fail a couple different treatment alternatives (even ones we know don’t work) before we might pay for the one that works, but most times, because we know most people won’t appeal our decision, we will deny the pre-authorizations without even opening the chart. And we’ll get a program that will do this in mass. Think about the money we make from 50,000 denials a minute. --- The really sad part is that insurance companies have already been caught doing this.
@@Tech21101 Well of course we do. See those insurance companies and Hospital mutuals been putting penny's in goverment pockets and each others pockets. Now that might not sound related but... Our politications have been calling any attempt at all to let Dr's and paitents make up thier own minds "socialism", "Communism", and when those two stopped working because the people saw through it, well they went real reeal evil. And called it "Parents rights" Or did you think this whole thing was about trans people? Oh no son. Trans people, sometimes, as adults, get surgeries done to have certian wobbly bits. And almost no one is transgender. Most states you can count the number of transgender folks with a six inch talley stick. So those folks cant fight back see? So since they sometimes get care, and they cant fight back, and insurance dont want to pah, and hosptials board of directors (investors) dont want Dr's to have final say on anything, well we just attack the transgender in any way we can, then push the *abstract ideas* through the suprime court. And since the insurance companies have about 6 of the judges in thier pockets, and have spent 4 decades making sure they had the right kind of judges in the suprime court, well now. Those judges can rule based on the attacks that are being made against the transgendered community; on cases that effect our ability to have a Dr and a patient decide whats best for us. See how that works? It is not the only thing either. See about 60 years ago congress made it law that hosptials couldnt just take anyone organs for any reason and sell them for profit. Around about the same time yhe suprime court ruled that abortion bans where fully un-inforcable, in oart because the mothers organs where being used to grow the baby, consent of the organ holder is a requirement. This is not what they ruled was unconstitional, they just mentioned it, and said abortion bans would ALSO be unconstitional for that, if it was under the scope of the case. And about that sane time came up a whole lot of money for churches whos pastors would protest against abortion.... And now its legal for hospitals to take your tissues and sell them for profit, and the suprime court decided to change the prior ruling on abortion rights allowing states to ban abortions..... Oh ya buddy. America is reeeeally screwed right now. People in general do not pick up on misdirection very fast
@@Tech21101Want to know a dirty little secret? Insurance companies employ doctors whose job it is to second guess your physician. It's your doctor saying you need A, while theirs says B.
Both are important but I couldn't agree more. So much time is wasted on mostly unimportant minutiae. They really need to teach kids about money, finance, investment and how to navigate the legal system.
@@MattM-oe6qsMost people don't know. Your parents can't teach you something they don't know. Also, you consider knowledge that can help them throughout life a waste but you don't complain about school sports? That is a waste of school resources.
Man, you're so right it really pisses me off. My wife and I have been without insurance for about 10 years, and until recently have been fine. I have developed type 2 diabetes so now I'm losing weight and getting back healthy, although I did get a type of insurance that covers everything I would need without a deductible. They pay a certain amount for certain things and if the bill is more then I pay the rest , if it's less then I get a check. $425 a month for just me, a little ridiculous.
watching this as a german (yea I know we get screwed a lot in other ways, *cough* income tax, electricity) is just crazy. i've never paid more then 5€ for any prescription i've ever gotten, pay about ~100 bucks per month (still a student, have to pay because i've turned 25 now in my last semester of my masters, prior to that I was in the family insurance so had to pay nothing) to have everything except teeth for free. even the teeth stuff is like 25 bucks for a professional fluoridation. The only thing where I actually had to pay for some service was when emergency responders thought I had a problem with my appendix. They transported me to the hospital, kept an eye on my inflammation numbers for three days, then let me go home, had to pay 30 bucks for the stay because it was deemed "not an emergency". Hearing stories from the U.S. makes me feel like a giant dick by being a little pissed at the 30 bucks.
We canceled our health insurance and signed up for Samaritan's ministries. The child birth bill was $23k for no complications and only in the hospital for 24 hours. I called and let them know we weren't insured. They dropped it to $3k.
The cancer is what kills me the most. I remember insurance really started skyrocketing like crazy in 2004. Then, when they offered their new 28 percent higher insurance from the previous year, then they offered supplementary cancer insurance for even more. I was like were not working to live. We are working for insurance.
"Patriot act" "affordable health care act" etc., they call it the opposite of what it implements so they can call you crazy for pointing out the contradictions
Recently had hernia surgery. I ended up paying the same being self pay as my buddy did with insurance. Actually he paid a little more, as he was also paying his premiums every month. 🤦♂️
Damn life insurance company tripled my premium as soon as I said I was on the medication Suboxone. I never felt so targeted in my life. How am I 3x more likely to die just for being on a life saving medication that allows me to work and support my family
My family policy from work is $25.5K for 2023. I paid $6.6K, the job paid the rest. They would never do this, but if it was an option I'd rather get the full amount and find my own insurance.
Same with car insurance. Used to be, it was based on your driving history. Now its based on credit score & driving history. Watching this reminded me I forgot to go BUY my birthday present from the tag office today. Shit! Happy Birthday to me🎉🤦🏼♀️ At least I got a new video from Marshall on my birfday🥰 (& a penalty from the tag office🙄). P.S. Happy Birthday to all the others born today, thanks to their parents getting it on on Valentines Day😂
Same with auto insurance. We're forced to have it. Pay into it with premiums going up every year. When we do have to use it, we STILL have to cover a ridiculous deductible anyway. It's all a scam.
I can tell it's the time of year he has to renew his insurance. We had it correct in the 1970s. Insurance was only major medical, for hospitalization or such. Everything else was out of pocket. We need to go back to that. That's what the high-deductible health plans attempt to do, make you see that you don't get any insurance benefit at all....until you spend x dollars. The hilarious thing is that some medications are cheaper if you don't use insurance for them. How insurance companies ever negotiated prices that were higher than the going price for simple drugs is unfathomable.
Not sure how insurance started, but heath insurance took off during the Great Depression/ww2. The government put price caps on what private employers could pay, so they had to come up with creative ways to pay people to get around the law. They came up with a scheme to pay for any employee healthcare costs, and that was the start of employer provided health insurance.
Keep making this content! Just discovered you today and I subscribed and am I’m liking your videos. Truth tellers like you need to get more attention and followers.
Our family hasn't had health insurance in 25 years. We've only had one instance where we could have used insurance but just ended up making payments for 6 years on an emergency surgery. Just create a savings account for health emergencies.
If you don't care about your credit, simply don't pay and have your bill sent to collections. When it goes to collections they will substantially reduce the payment amount over time until you're ready to pay. I've seen $20k bills reduced to $3k without the need to file bankruptcy
One of the positives of being a Union member.. after x amount of hours, my insurance for my family and I is free.. as long as I maintain x amount I keep it.. but in the winter, when I get laid off. It's about 1000 some of a month... When I'm not working. Like wtf. But. It's only accepted by certain hospitals, doctors, dentists etc. kinda a pain in the ass. Want to go to the Dr. Or a dentist? I gotta drive 45 miles away.
These companies also invest the money received from customers and make even more. If for some reason they lose money in the stock market the just raise the money they charge you to offset it. Auto insurance does the same.
The mere fact that through insurance larges amounts of cash are accumulated makes the entire system not work. The one that pays is the one getting screwed.
I pay $500 a month just to have a high deductible HSA family plan. So, basically, I'm paying $6000 a year for the right to pay another $3500 in deductibles JUST IN CASE something catastrophic happens. But, from what I can tell, this doesn't sound too bad compared to others. Oh well, at least most of my antidepressants are $0 copay because with this system, I need them. The two most popular healthcare plans in our country are Medicare and Medicaid...both gov't run. The problem with gov't mandating individuals to buy a private healthcare is that was literally the only crappy fix that could pass Congress and it only fixed about 3% of the problem (free yearly checkups, lifetime out of pocket maximums, can't be denied for pre-existing conditions). The rest of it was a boondoggle for private insurance.
Its worse than this. government subsidizes insurance, the people pay for insurance, the hospitals pay to be in network and pay more for cheaper operations, that extra goes to insurance, pharmacies not only charge more than they need for products, but they're often owned by insurance; and charge customers with competing insurance more. everyone involved in this system pays insurance, and insurance pays for almost nothing. Lobbying and emergencies; but theyll get that money back plus interest over time. and now that auto insurance is required, cars are going the same way. Thats the real reason cars, operations, and OE car parts suddenly started costing so much more toward the end of the 2010s.
The amount of life experience that you have to have to pull off these characters so spot on is immense
Must be multiple personalities
It’s always crazy when you go to the hospital and you bill is $20,000. Then they find out you don’t have insurance, then the bill goes to 3,500. Lol! That really happened to me.
Something very similar happened to me, I had a $2,500 medical bill. I told them I was paying myself and suddenly it was $349.
The cost of dental work is the same out of pocket whether you have insurance or not as well. Absolute lunacy.
@@chrismartin500yeah I wish my dental bill went from 6k to 600 lol but they want that just to take all my teeth out, no replacements or dentures
i had $200,000 in medical bills settled for $22,000 (see video of injury on my page)
It’s because of insurance
The companies basically barter with the hospital saying they won’t pay that much, haggling with the hospital to get the cost lower
So the hospital will compensate by raising the price so even haggling down they still make a profit (even if the profit isn’t massive)
That’s why we have such high hospital bills, but if you don’t have insurance; they don’t need to haggle, just give you the price and you’re good
At the end of the day, the doctors just need to be paid and the hospital needs to stay up, it’s the insurance companies that cause all the mess
This has been one of my pet peev since I've been old enough to realize what a scam
THANK U LIKEWISE LOL
That makes 3 of us! God do I hate insurance!
Guess who has a database that knows who has home insurance and who doesn't...
The 5 thumbs down are from the INSURANCE COMPANY
How do you see the thumbs down?
@@jimmac1185on PC, you can download an extension for your browser for RUclips that shows thumbs down. Only for the video though. If you thumbs down my comment no one can see that, even with the extension. Just Google something like see thumbs down extension. Can't remember the name.
Self employed, been paying 18k per year for a family of 5, for literally no script coverage, $60 doctor visits, and a 14k deductable. We're finally done, not renewing. Going with a health sharing network, and an HSA. It's a total racket, straight up should be illegal.
the whole society is a racket...full of sheeple....
18k? That's like the cost of getting cancer treatment every year
Get an herbalist and stop
Be cautious.
@Elbereth42 I'd rather not have anything, but when you've got a wife and family I guess it's good to have something.
Lol. I had a company charging me $1600 dollars a month for family health insurance. I said I'll take my chances with the doctors. $20k a year for health insurance that doesn't pay anything to begin with. You must be outside your damn mind.
Yup. I did it for a few years. Stopped and now I pay everything out of pocket. I probably pay like 0-1k per year for doctor visits now. lol.
Yup, I paid $1680 for a family of 4 for a while before I decided to drop it and pay as I go
I had to pay the exact same amount.. but I had to get it because my wife is a type one diabetic.. they tried to fight us on paying for her labs, and they practically refused to cover for her insulin pump supplies until we had her doc say it was a necessity because she was pregnant with our second and was a high risk pregnancy.
We payed out of pocket for all her blood work, her supplies and her labs for 6 months. An extra 2k every 3 months
Sounds like a wrap
It seems like you would end up paying less even if you self pay at the ER a couple times in a year
Started out just fine. After about a minute, the pain of reality slowly cut through.
“We could also only pay for the services if the user is willing to call us 3-5 times and spend an average 3-4 hours arguing that we are supposed to pay.”
Legalized "protection money." At least the Mob held up their end.
"At least the Mob held up their end."
Oh shut up. The "protection" the mob was giving businesses was from them. And if you declined their "offer" for protection, they'd make sure your business had an "accident". Don't sit there and act like mobsters had any kind of honor, because they didn't.
@@Commodore22345I won't say they're honorable, but they DIDN'T have hidden fees, you knew where they were coming from and it was mostly a flat rate.
That's already a far sight better than what insurance companies do today.
Amen brother
@@Commodore22345sounds like insurance companies too lol
@@Matt-ve3ql No it doesn't. There are no instances of an insurance company burning someone's business down because they refused coverage. If you're going to make a joke, it at least has to have some basis in reality.
the storm slowing rolling in as he escalates the insanity, this video is a masterpiece
Sent this to my whole family who is self employed. You started a new group chat excitement. Hahahaha thank you for all the good content. Always getting me through the days.
Thank you for the kind words! Hope your family gets a kick out of it in the group chat! 😂
@@MarshallPatrickI feel like I just watched a Thomas Sowell documentary 😂
This is not just self employed people. Its all people who work for any company. What most of you dont get is that on top of your $15-$25 per hour, companies are paying for your insurance, insurance on the worksite, insurance on the property, insurance on the company. On top of the taxes on your wages and the never ending State, Federal, County, City taxes AND your unemployment. It literally makes a $25 an hour employee cost the company $55 an hour or more.
@@dontbestupid6664 ohhhhhhhhh
@@dontbestupid6664 that's the price for manufacturing a world full of slaves..slaves have to be paid for..in exchange for their pointless energy output in the name of greed and materialism..
This is more depressing than funny just because it’s true
I work in ems and the amount of people we get that are seriously injured but don’t decide to go to the hospital because they’re afraid of bankrupting themselves is UNCANNY.
uncanny is not the correct word for that sentence. it should be eerie, or horrifying.
My boss told me if I fall off the ladder, I'm fired before I hit the ground
Dang
I told mine I couldn't take it anymore, and that I was going to kill myself. He said: "Do it on your own time, and don't mess up my carpet."
My health insurance and retirement plans are the same. It's the 45 caliber health plan. It's very affordable.
Pretty terrible state of affairs when the Smith and Wesson Retirment plan is the best choice.
Very good friend's father in law cashed in on that plan a couple weeks ago. I don't guess he meant for his 20 something year old daughter to find him. The world screws you, so when you have a tough time you screw up your kids? His first granddaughter is due mid January. You realize you're not actually solving a problem right? Just creating more? Fucking cowards.
I went with the 40 Caliber health plan. I don’t care too much for the 45.
Mine is of the 12 gauge variety.
And then, even if they get sick, before the docs can even start the treatment, we are going to require them to get a “pre-authorization“. And you know the best part? We are going to deny most of the pre-authorizations. Or, better yet, we are going to require that the patient fail a couple different treatment alternatives (even ones we know don’t work) before we might pay for the one that works, but most times, because we know most people won’t appeal our decision, we will deny the pre-authorizations without even opening the chart. And we’ll get a program that will do this in mass. Think about the money we make from 50,000 denials a minute.
---
The really sad part is that insurance companies have already been caught doing this.
The fact that non-medical professionals have any say over what treatments you can and cannot get is absolutely insane to me.
@@Tech21101 Well of course we do.
See those insurance companies and Hospital mutuals been putting penny's in goverment pockets and each others pockets. Now that might not sound related but...
Our politications have been calling any attempt at all to let Dr's and paitents make up thier own minds "socialism", "Communism", and when those two stopped working because the people saw through it, well they went real reeal evil.
And called it "Parents rights"
Or did you think this whole thing was about trans people? Oh no son. Trans people, sometimes, as adults, get surgeries done to have certian wobbly bits.
And almost no one is transgender. Most states you can count the number of transgender folks with a six inch talley stick. So those folks cant fight back see?
So since they sometimes get care, and they cant fight back, and insurance dont want to pah, and hosptials board of directors (investors) dont want Dr's to have final say on anything, well we just attack the transgender in any way we can, then push the *abstract ideas* through the suprime court.
And since the insurance companies have about 6 of the judges in thier pockets, and have spent 4 decades making sure they had the right kind of judges in the suprime court, well now.
Those judges can rule based on the attacks that are being made against the transgendered community; on cases that effect our ability to have a Dr and a patient decide whats best for us.
See how that works?
It is not the only thing either.
See about 60 years ago congress made it law that hosptials couldnt just take anyone organs for any reason and sell them for profit.
Around about the same time yhe suprime court ruled that abortion bans where fully un-inforcable, in oart because the mothers organs where being used to grow the baby, consent of the organ holder is a requirement. This is not what they ruled was unconstitional, they just mentioned it, and said abortion bans would ALSO be unconstitional for that, if it was under the scope of the case.
And about that sane time came up a whole lot of money for churches whos pastors would protest against abortion....
And now its legal for hospitals to take your tissues and sell them for profit, and the suprime court decided to change the prior ruling on abortion rights allowing states to ban abortions.....
Oh ya buddy. America is reeeeally screwed right now.
People in general do not pick up on misdirection very fast
@@Tech21101Want to know a dirty little secret? Insurance companies employ doctors whose job it is to second guess your physician. It's your doctor saying you need A, while theirs says B.
Best skit yet, you Sir have a large Brain.
United Health Care watches this before every staff meeting.
Some of your best work. 🤣🤣
This is health insurance, but you forgot the increases in premiums every year for no reason, even if you never used the insurance.
We didn't even have health insurance as an institution until the government set wage caps during ww2
Brilliant.
Welcome to America !
Insurance companies drive up prices . Such a scam!
I had this exact conversation with a European coworker. The whole health insurance system blew his mind.
"They should call it, in case of "- Chris Rock 😂
Gotta love the "family" treatment you get from a company 😂😂😂
The way tom holds his sandwich towards the end should tell you everything you need to know about tom
😂😂😂 I never did like Tom, and now since you pointed that out… IT ALL MAKES SENSE!!!
More people need to see and understand this. Seriously.
I feel like this should be re-categorized under informational. Then retitled as how to understand insurance in 5 minutes.
I love that it must have started raining while you were setting up, and you still decided to film :D
Ya know, it's stuff like this they need to show in school, instead of mitochondria being the powerhouse of the cell...
Both are important but I couldn't agree more. So much time is wasted on mostly unimportant minutiae. They really need to teach kids about money, finance, investment and how to navigate the legal system.
@therationalanarchist
The Rockefeller based and funded school system isn't going to teach you what it takes to overthrow them.
@therationalanarchist
John D. Rockefeller -
"I don’t want a nation of thinkers, I want a nation of workers".
Can't your parents just tell you, why waste school resources for this?
@@MattM-oe6qsMost people don't know. Your parents can't teach you something they don't know. Also, you consider knowledge that can help them throughout life a waste but you don't complain about school sports? That is a waste of school resources.
Man, you're so right it really pisses me off. My wife and I have been without insurance for about 10 years, and until recently have been fine. I have developed type 2 diabetes so now I'm losing weight and getting back healthy, although I did get a type of insurance that covers everything I would need without a deductible. They pay a certain amount for certain things and if the bill is more then I pay the rest , if it's less then I get a check. $425 a month for just me, a little ridiculous.
I can’t get over the continuity of that sandwich…. ✋😆🥪
I swear this guy has the most hilarious videos. Love this guys stuff!
the laugh he does is contagious
God damn son. This is spot on. I don't think I've ever been doubled over laughing while also in a murderous rage in my entire life. You special.
It's a racket. Organized crime
"I don't like it. I don't want anythin to do with it." 😂💀
You just know Marshall just completed his open enrollment for 2024 😂
Hahaha there may be some clues! 😂😂😂
watching this as a german (yea I know we get screwed a lot in other ways, *cough* income tax, electricity) is just crazy.
i've never paid more then 5€ for any prescription i've ever gotten, pay about ~100 bucks per month (still a student, have to pay because i've turned 25 now in my last semester of my masters, prior to that I was in the family insurance so had to pay nothing) to have everything except teeth for free.
even the teeth stuff is like 25 bucks for a professional fluoridation.
The only thing where I actually had to pay for some service was when emergency responders thought I had a problem with my appendix. They transported me to the hospital, kept an eye on my inflammation numbers for three days, then let me go home, had to pay 30 bucks for the stay because it was deemed "not an emergency". Hearing stories from the U.S. makes me feel like a giant dick by being a little pissed at the 30 bucks.
It all comes out in the wash. Uropoors\Cucknadians pay for it in taxes, Burgers pay for it this way. The system is idiotic both ways.
Lmao “this is the most crooked shit I’ve ever heard in my life.” 😂
Just found this channel. Love this dude
Very first ad on this was about contractors insurance! Lol
We canceled our health insurance and signed up for Samaritan's ministries. The child birth bill was $23k for no complications and only in the hospital for 24 hours. I called and let them know we weren't insured. They dropped it to $3k.
"We goin drop a little bit of change on their pckets and fill ours up ha ha". True words about most industries
The cancer is what kills me the most. I remember insurance really started skyrocketing like crazy in 2004. Then, when they offered their new 28 percent higher insurance from the previous year, then they offered supplementary cancer insurance for even more. I was like were not working to live. We are working for insurance.
"Affordable Healthcare Act" then why the fuck did my premium triple?
"Patriot act" "affordable health care act" etc., they call it the opposite of what it implements so they can call you crazy for pointing out the contradictions
Thank you Marshall! I’ve been saying this for years! The homeowner insurance in Florida is far worse then auto/health insurance!!
Recently had hernia surgery. I ended up paying the same being self pay as my buddy did with insurance. Actually he paid a little more, as he was also paying his premiums every month. 🤦♂️
Just got a health care. Gov ad after this.. Had a catchy song and cartoon character 😂
"We ain't giving nothing back" honesty at it's best! "Get the government involved" 😂
I don't know wether to laugh or cry at this one 😂😂
Damn life insurance company tripled my premium as soon as I said I was on the medication Suboxone. I never felt so targeted in my life. How am I 3x more likely to die just for being on a life saving medication that allows me to work and support my family
Dude
My family policy from work is $25.5K for 2023. I paid $6.6K, the job paid the rest. They would never do this, but if it was an option I'd rather get the full amount and find my own insurance.
I speak perfect spanish, if I get really sick I'll go to Mexico.
Same with car insurance. Used to be, it was based on your driving history. Now its based on credit score & driving history. Watching this reminded me I forgot to go BUY my birthday present from the tag office today. Shit! Happy Birthday to me🎉🤦🏼♀️ At least I got a new video from Marshall on my birfday🥰 (& a penalty from the tag office🙄).
P.S. Happy Birthday to all the others born today, thanks to their parents getting it on on Valentines Day😂
Same with auto insurance. We're forced to have it. Pay into it with premiums going up every year. When we do have to use it, we STILL have to cover a ridiculous deductible anyway. It's all a scam.
“That’s what GoFundMe is for” 🤣🤣🤣
U knocked this one out the park brother
This one hurt my chest a little. Well done.
I can tell it's the time of year he has to renew his insurance.
We had it correct in the 1970s. Insurance was only major medical, for hospitalization or such. Everything else was out of pocket.
We need to go back to that. That's what the high-deductible health plans attempt to do, make you see that you don't get any insurance benefit at all....until you spend x dollars.
The hilarious thing is that some medications are cheaper if you don't use insurance for them. How insurance companies ever negotiated prices that were higher than the going price for simple drugs is unfathomable.
Marshall your a GD comic genius!
Insurance: Monetizing anxiety since 1710
Not sure how insurance started, but heath insurance took off during the Great Depression/ww2. The government put price caps on what private employers could pay, so they had to come up with creative ways to pay people to get around the law. They came up with a scheme to pay for any employee healthcare costs, and that was the start of employer provided health insurance.
Thank you brother for putting up this video. More truth please. We need to hear it from people like you who know and have the talent to communicate.
Keep making this content! Just discovered you today and I subscribed and am I’m liking your videos. Truth tellers like you need to get more attention and followers.
Our family hasn't had health insurance in 25 years. We've only had one instance where we could have used insurance but just ended up making payments for 6 years on an emergency surgery. Just create a savings account for health emergencies.
Love these bits, thanks!
That background scene is at lake Sinclair. Choby’s used to be there. Near the Baldwin / Putnam county line.
The blue shirt character looks like Stacy Keach lol
The dude in red was kind for saying, "they ain't stupid."
there's health insurance ads in the middle of the video, hilarious, thanks YT
You are a man of the people. These videos are awesome
Medicare For All! ~Bernie Sanders
He is so believable as every individual🎉
This corporate mentality has bled its way into the country for long enough. But we get what we support
If you don't care about your credit, simply don't pay and have your bill sent to collections. When it goes to collections they will substantially reduce the payment amount over time until you're ready to pay. I've seen $20k bills reduced to $3k without the need to file bankruptcy
this is thee most accurate description of the "heath insurance" scum I have ever heard
Company moto. "We give people piece of mind knowing they don't want to actually use our insurance cause they can't afford too."
I would laugh but its hard to laugh thru these tears
Wow, spot on on the evil behind this. I'm glad to see I'm not the only sucker. It's legal robbery that we're forced to have. Land of the free...
“We gon make the gubment make people have insurance”
LOL
One of the positives of being a Union member.. after x amount of hours, my insurance for my family and I is free.. as long as I maintain x amount I keep it.. but in the winter, when I get laid off. It's about 1000 some of a month... When I'm not working. Like wtf.
But. It's only accepted by certain hospitals, doctors, dentists etc. kinda a pain in the ass. Want to go to the Dr. Or a dentist? I gotta drive 45 miles away.
Whats messed up is the price we pay after insurance is probably the normal price before all this madness
Car,home,and any other insurance out there is not there to help the people. It is to line their pockets every month.
These companies also invest the money received from customers and make even more. If for some reason they lose money in the stock market the just raise the money they charge you to offset it. Auto insurance does the same.
The only thing missing is the healthcare administrators and how “necessary” they are.
When the downfall comes, the insurance people are getting it first.
Irs first then insurance
@@craigholland2274atleast when the irs steals your money .4% of it occassionally goes to something good
Government always makes everything better. We need more mandates, agencies, and laws.
The mere fact that through insurance larges amounts of cash are accumulated makes the entire system not work. The one that pays is the one getting screwed.
At's rite, good ole government!!!
How many sandwiches did he eat to complete this masterpiece? Hahaha
I pay $500 a month just to have a high deductible HSA family plan. So, basically, I'm paying $6000 a year for the right to pay another $3500 in deductibles JUST IN CASE something catastrophic happens. But, from what I can tell, this doesn't sound too bad compared to others. Oh well, at least most of my antidepressants are $0 copay because with this system, I need them.
The two most popular healthcare plans in our country are Medicare and Medicaid...both gov't run. The problem with gov't mandating individuals to buy a private healthcare is that was literally the only crappy fix that could pass Congress and it only fixed about 3% of the problem (free yearly checkups, lifetime out of pocket maximums, can't be denied for pre-existing conditions). The rest of it was a boondoggle for private insurance.
Many doctors have gone cash only.
In ww2 gov said you cant give raises. So health insurance was the new incentive.
The deductible is basically what it would cost to go to the doctor if insurance didn't exist. The rest is just extortion and theft.
Its worse than this.
government subsidizes insurance, the people pay for insurance, the hospitals pay to be in network and pay more for cheaper operations, that extra goes to insurance, pharmacies not only charge more than they need for products, but they're often owned by insurance; and charge customers with competing insurance more.
everyone involved in this system pays insurance, and insurance pays for almost nothing. Lobbying and emergencies; but theyll get that money back plus interest over time.
and now that auto insurance is required, cars are going the same way. Thats the real reason cars, operations, and OE car parts suddenly started costing so much more toward the end of the 2010s.
Insurance companies hate him for this.
That's what go fund me is for!!! 😂
I just saved a bunch of money by canceling my insurance.
My company wanted to charge $280 a week for just health insurance.
I love this, it's so absolutely true.