I refuse to call it a "healthcare system" anymore. It's a "medical industry". It's not about caring for a patient's health, it's about making money from medical conditions.
We have one private Dr. here that refuses ALL insurance. He charges a fair fee and if an injection is needed, he charges slightly more than what he paid for the medication. He's consistently booked full.
Insurance companies are so corrupt. It costs individuals and healthcare providers a ton to do business w them. It blew my mind when Obama signed a bill to force us to do business w insurance companies. Honestly, our best bet is to ditch insurance completely and have businesses offer HSAs and match our contributions much like they do w retirement plans. Then each of us have the opportunity to shop around for services and determine cheaper and better care, which would force healthcare providers to compete w prices and would bring down costs. Even cancer treatment would come down significantly. I have tons of health issues. I grew up in and out of the hospital. I’m also a financial coach and nerd out on numbers. Every scenario I’ve done detailed run throughs proves this to be the most efficient way to operate
Also, there were a couple of hospitals in the southern Midwest (I think one in Kansas but I can’t remember the other) that decided to operate not accepting insurance. Very well run hospitals and it was far cheaper for people to go there than it was to go w their insurance elsewhere. Plus, pharmacies are not allowed to disclose that a medication is only $6 out of pocket if the patient has insurance w a $10 copay
@@joyfulhomemaker8053 except youre not factoring in the greed of healtcare professionals. Costs would largely stay unchanged. But I agree, Healthcare is corrupt. Our government is corrupt. Doctors are corrupt. We have a morally flawed society at large. They value money more than people.
Not only this but, I'm a nurse, and most people have absolutely no idea that hospitals are not run by Drs or nurses. ALL the policies at a hospital are decided by MBA's. Business people decide what the Drs and Nurses are allowed to do and not do, not the Drs. They also decide what products and resources we have access to, not Drs.
Pharmacies are similar in my experience - corporate administration with zero experience with pharmacy, or anything healthcare related for that matter, setting policies because it looks good on paper. Who cares whether or not it's better for the patients or the employees who are trying to take care of them?
@@Edwahlq administration everywhere tends to be a joke. When your job is contingent upon the output of others you open up the door to lots of unethical behavior. The "best" managers are manipulaters that are good at people pleasing. Actual good management views their role as a coach or mentor instead and asks and discusses with everyone in the corporate hierarchy/totem pole before implementing policies or procedures
@@bidmcms3 yeah and the doctors are working FOR the insurance companies to make this decisions... hmmm conflict of interest much? and No they aren't paying, the patient pay THEM money. So by that logic the patient gets to decide?
@@bidmcms3 Even if there wasn't a conflict of interest in doctors working for the insurance company there's still a lot of problems with it. Remember when everyone was getting all upset over "death panels" with Obamacare- that happens every day in health insurance. Doctors provide consultation, but they don't make the ultimate decision of what the company will cover or not cover. They may say these 5 treatments are life saving and essential and the insurance company will say yeah but we're only going to cover 4 (and likely non-medical professionals will make the decision which ones they are going to cover based off of the doctors report and finances). Also insurance companies don't hire that many doctors to consult. They're asking doctors to know the ins and outs of multiple specialties, e.g. when is this necessary to live vs just a quality of life thing, and keep up with the latest treatments in those fields. It's messed up
@@danielyuen8691 I don't get it, I thought the problem was that they had _no_ doctors making coverage decisions. Are you suggesting only medical professionals should own insurance companies?
@@An_AttemptMany conveniences you enjoy, as well as infrastructure are paid thru taxes.... Get a grip. The system ain't perfect, but calling all taxes extortion is just pure retardation, period.
Keep in mind your doctor likey puts in a lot of extra time battling the insurance that you don't know about. My doctor is a bit transparent about it. Nothing gets approved until it gets submitted, insurance will "tell you" but still deny a certain procedure or doctor or med. A good doctor will let you know of insurance issues or potential insurance issues if they are familiar. Insurance is not your friend and the clinic the doctor works at is not either. There are a lot of burnt out doctors from the system which can mean care is not good. If you find a good doctor make sure you let them know how much you appreciate them. ❤
When I was 14 I had a 16-hour surgery done on my stomach for various reasons, about 5.5hours in the doctor was told to stop and sew me up, I was being transferred to another hospital to finish the surgery. when he asked why they told him bc insurance said they won't pay for this hospital. The doctor outright refused saying if I close her up now her survival chance drops significantly, he proceeded to tell them him he'd figure it out afterward and if it came down to it he'd pay for the surgery. Needless to say, he finished, I survived, and he came thru for me. An amazing doctor. Sadly, it's the way insurance works here in the United States.
Yeh I’ve had health issues my whole life and Insurance has been a real pain in the butt... My parents had to switch multiple times when I was a kid because of pre-existing conditions. Then on my own insurance(Anthem Blue Cross) I was denied coverage for many things including MRIs despite having colon issues, damaged spine(football accident), and so on... It’s ridiculous...
@@sicsempertyrannis4613 I am so sorry! Nobody should have to deal with these issues. My daughter lost her foot when she was 3 months old ( a dog attack) but from the day my husband got custody we had to pay cash for her prosthetics. My husband now suffers from something called Ankylosing Spondylitis and he cannot get medical coverage without paying an absolutely insane amount. Good luck to you!
That. Is. Insane. They claim to care about the patient and always have the patient's best interest in mind, yeah, bullshit! 🐂💩! They ONLY care about the bottom line, the +/-'s, and their shareholders. So sad. 🤦🏼♀️ I'm glad you had one of the good doctors who actually make their patients a priority and genuinely care. 😊🙏 ✌️❤️😊🙏
It’s almost as if insurance companies have had to cut corners to compete with endless government funding that only resulted in MORE EXPENSIVE PREMIUMS. Seriously. Insurance companies did their job prior to Obamacare. Most of the time (if not all of the time) there was no “out of network”. You were the one they covered, not the hospital. Same with ambulance trips. This was because they didn’t have to compete with public healthcare (which was already crappy compared to the private plans, but it was cheaper, for a time.) when private industries try to compete with government programs, everyone suffers. When the government is the only option left, it is tyrannical.
@@thatcarguydom266 You are working backwards from your conclusion. If I asked how private insurance is cheaper than public you would probably say something something competition, but now it increases costs? Looking at a global scale, we are the only 1st-world country without universal coverage and as a result spend easily the most on our system, have among the worst healthcare results, is utterly convoluted and confusing, and have millions forced to file medical bankruptcy every year... which isn't a thing in other countries. HALF of Americans have some form of medical debt. That is a broken system and has always been around, Obamacare(which is a conservative system designed to keep private insurance IN PLACE) only threw a tiny blanket on the fire. By all practical standards, a universal system is more effective and ethical.
@@thatcarguydom266 That's a lie. Deductibles still existed, you still were limited at what doctor you could see, premiums were still high. People still went bankrupt or even died. You don't know what you're talking about. You pulled that out your as*
@@austinhernandez2716 and look how many fools liked it hahaha more idiots who repeat what they hear but cant do any Research themselves hahah idiots….idiots everywhere.
Wrong, it is the governments involvement that increased prices as well as advancement in technology. My private insurance was $150 a month before Obamacare. The same policy is now $765 a month. No preexisting conditions or medical problems. If you want the same medical device that was available in 1960, it is more than likely the same price with the inflation added (if it is still available). However, if you want the carbon fiber, titanium, microprocessor version, it will cost substantially more.
@@marshall4759 You have been lied to by somebody. I suggest you stop listening to them and start thinking for yourself. Your premiums went up because the insurance company needed to generate more profit for shareholders. "Obamacare" was the insurance companies grifting the American taxpayers. People didnt get health care from the government, they got INSURANCE PLANS...
@@marshall4759Obama care or the individual mandate was thought up by Richard Nixon. It's a right wing Healthcare plan that only works for insurance companies and no one else. In some blue states Obama care only cost people around $40 a month. Still shit. And then obviously where ever you lived was charging you a lot more, immoral, wrong. Who knew right wing Healthcare plan made by the crook himself would've been bad? Wow 🤦♂️
@@marshall4759also, in what world do you live in where this issue started with Obamacare? This started with the insurance companies going wild and then the government backed their decision to go wild instead of using our trillion dollars in taxes a year to give that American people what they need, health care. The government subsidizes insurance companies, with our tax money, the insurance companies take that money and give us a deductible that covers nothing and then they ask us for more money on top of that and they give us nothing. It's always been that way and it's always been shit. You think your $150 insurance before obamacare would've covered major surgery? Thats a laugh. I remember way before obamacare/nixoncare people still complained about insurance and health care and said it was one of the nation's biggest problems.
@kaiudall2583 Our taxes, like a normal country does. And the price of medicine could finally be regulated. Instead of $100 for an advil we can cut them out and get it to normal levels.
I also love that its a law in some states to have health insurance, you pay a premium, an amount the insurance compamy makes up, and then can just decide not to cover your procedure, you know, the entire reason for their existence.
@@pianogal853you don't know anything about healthcare for people that cannot get it thru their jobs. You don't seem to understand that employer health plans are impossible to use and afford to get any actual health care. You don't seem to understand how the laws were changed for people with pre existing conditions like asthma and diabetes to actually get coverage for those ailments with their insurance no matter who it's thru. So yes, THANK YOU Obama for getting some semblance of universal healthcare started. We pay enough taxes, we should be able to get help when we need it like other countries who have their shit together.
@@joostine3720 it was worse, because people could be denied insurance coverage for any preexisting condition. If you had type I diabetes, denied; MS, denied; mental health, denied; c-section delivery, denied. Do you see the problem? Thanks to the ACA insurance carriers can no longer deny for ANY preexisting condition, nor can they put life time caps on coverage. So yeah, THANKS OBAMA!! Because thanks to him my daughter who had thyroid cancer at age 18 can not be denied health insurance. Nor can I for having two c-sections.
@joostine3720 Absolutely, but O'bummercare put several 'tools' in the insurance companies' pocket that made it almost impossible for smaller independent doctors to practice as they see fit.
I saw a thing about a lady once who had to get brain surgery, and the insurance company said that putting back the wedge of skull they removed to get to her brain was an optional cosmetic surgery. So she just lived with a hole in the side of her head for several months until she and her mother could afford to get it taken care of out of pocket. Her SKULL.
Medical decisions are made by either the business student or the government bureaucrat, not the doctor and patient because the customer is almost never the patient - it is either the government or the businessperson who pays the bill. All of this is because we all pay premiums (or we paid Medicare taxes or we all pay taxes to pay for Medicaid patients) to hand over this to the third party payer.
@@drmadjdsadjadi if we are being technical the one paying is always the patient it's just in a roundabout way (they pay the Gov and they pay for insurance)
@@TSH425 actually, you are completely wrong because some patients end up paying more than they spend and others pay less - this is literally how insurance works :). Thus the insurer or the government as the collective payer is the sole payer when it comes to any insurance scheme. Individuals can only be the payer if they pay the entire bill, no more and no less,
lets not forget that said insurance company almost certainly gets tax breaks and subsidies as well as bail outs if they need it, all from our taxes. ngl, they've got a solid racket going.
And they use those subsidies to cut company provided insurances meaning it's unviable to buy insurance direct. Allowing the to negotiate co pay and coverage not with the person who would use the insurance. Aka removing the free market from the free market.
Or if I pay for years and never use the insurance and then switch companies. We don't get that money back I paid to the other company and they still can't pay for anything
Health insurance is a racket, 100%. The "charges" on your hospital bill are all made up so they can make it look like they are saving you a bunch of money when they, in fact, are spending very little.
@@simonhenry7867 the “free market” is what private insurance companies are taking advantage of when they refuse to cover “pre-existing conditions” and “high risk patients”, and barely cover anyone else - AKA pretty much all human beings who need help insurance. It’s not the “free market”, it’s a market built to the advantage of the big buy and at the direct expense of the little guy. If “free” means “less than 30% of people can afford to participate and the rest can just go die or whatever”, I don’t want free 🤷🏽♀️
I'd like to see a video about the fictional thing the insurance companies have created called "inpatient observation". The doctors admit you to the hospital and they treat you while you are there, but the insurance decides that you weren't really admitted and the doctor is really just "observing" you. Since they decided you weren't really admitted they still make you pay the emergency room copays, and they limit the number of days you can be "observed". The result is that you get kicked out of the hospital while you are still really sick.
Haha this is too relatable. My mother is in the hospital right now for surgery and all the things were arranged by an insurance agent. Talk with the doctor, insurance paperwork, getting approval, all steps were carried out by the agent. He tells us what to do, what to say to the doctor, and when we could be discharged. They booked the surgery room and a doctor for the surgery as well. 😅
It boggled my mind 10 years ago when a Texan colleague told me his insurance doesn't cover the whole medical bill. I live in a third world country and I don't have to pay out of pocket for anything. I'm not even talking about universal healthcare here, I'm talking about my employer-provided HMO.
And that's over and above the required PREPAYs that the practitioners demand. And wait til ya find out about the dreaded retrospective denials of prior-authorizations, where insurance companies initially say "OK" and patients get the procedure and insurance companies then say "UMMM.. NO" So the patient has to pay for all of it.
@@romxxii when you get healthy care through your employer here you still pay for it, usually a lot but less than it would be without your employer and you still have to out of pocket for whatever your insurance doesn't want to cover
@@brandyc9645 Nope, that's only in the US. In my country I do not pay out of pocket except for prescription medicines, which I can then reimburse in full. I live in a third world country.
One problem with health insurance networks is that they can be limited in terms of the number and types of healthcare providers included in the network.
The best finance strategy for health insurance is working with a standard and seasoned investment coach. I’ve been in touch with a professional for sometime,mostly because I lack the understanding and experience to cope with tough market conditions. I racked in almost $700k. They can help you evaluate the co-pays, deductibles, and other fees associated with each plan.
Reading, research, patience and seeking guidance is the best way to approach . I have been inclined with LUCY ROSE CARTER, a CFA whose experience and expertise speak for itself. I saw her take on risk management a couple of years back and I was amazed.
Lucy rose Carter has been the CFA responsible for my portfolio success, she operates a private client base you can confirm her yourself on the internet, regulation and all that.
@ngf5077 And in those "first world" socialized medicine countries, wait 6 to 12 months for a surgery... but die before you get it. Oh and get taxed a minimum of 40% of your income. Yeah, so much better.
I will never understand the mentality that prefers for everybody to fight against each other, clawing over each other to reach the top of the pile of bodies. There are many examples of countries where higher taxes (properly managed, so higher incomes genuinely pay more tax) is used for genuine common good. Even if you are a rich fat idiot with your own house, car and private health insurance and all that crap, how could you even sleep comfortably in your bed knowing that your selfishness was the cause of the majority not being able to live a decent quality life, because your country has no adequate social healthcare, housing, transport etc? I mean, how could you live your life happily, knowing that? Most people should be able to answer this, I think, because most people do seem to be selfish arseholes, as far as I can see. The only mystery to me is how any countries actually have made so much progress in this direction. Maybe the example of the USA shows those other countries the warning of what they could turn into if they don't look after their citizens. I mean, if a country doesn't exist for the benefit of its citizens and residents, then what's the point?
Yet another example of how the U.S. healthcare system works. Two examples in my own life- my aunt (who raised me) was literally kicked out of a hospital against the will of her doctors, because the insurance company decided they were not going to pay any more on that particular stay. Luckily she did not die. In my own case, I had chemo for 13 months, and my chemo nurse was calling the ACCOUNTING dept. before each session, NOT my oncologist, to see if I could have my infusion.
@@LaraCroftMP Thanks! I have recovered pretty well, but it seems like maybe 5% to 10% of systemic weakness remains, which I kind of think is there for life. Better than the alternative, tho.
Not nearly as bad as you have it, but I remember calling around to get a teeth cleaning in Missouri and NO dentists would take me. I'm like, "I have no insurance, I don't need any x-rays, fillings, none of that. I need a simple, easy, routine teeth cleaning and I have $200 cash that I will hand you." "we are sorry sir, but we legally can not give you a cleaning." So I went to Mexico and got my teeth cleaned for $10. And Dr. Fernandez did a great job.
Insurance companies, assuming they should exist at all, should be owned by the customers. They should not be allowed to exist to merely generate the highest possible profit for shareholders at the expense of the healthcare industry.
@@_pandart6435 Haha, the usa places dead last in life expectancy among first worrld countries even behind many 3rd world countries, but sure, whatever helps that boot stay tasty 😆
@@1objection because people choose to be huge, blobs of diabetic induced heart attacks...point being? If that's ur correlation to health insurance, then practice telling those fat-bodies that their insurance will be less if they decide to be healthier 🤷♂️
I am a psychotherapist and the insurance companies think we don’t deserve decent pay. I hate that I need to accept insurance in order to get clients. With this economy, no has money to pay out of pocket.
As a nurse of 47 years I have had to do prior authorization for medical and procedures. It has always astounded me that insurance companies can make the decisions to pay or not pay for a service. They don't know your patient or what they need so the patient suffers needlessly because they get /o "play doctor". Love this portrayal. It is so true!
in my country, the doctor has to approve that the patient needs the treatment so the insurance will pay a huge percentage of it, it doesnt cover everything but it does help a lot, hospital becomes expensive without insurance but still not 1k per visit like americans..
"Medical Industrial complex!" A guy came up with the idea in 1980, Insurance companies owning hospitals and medical services, even retirement homes! Some have 50-70,000 employees! (Google it!)
Priceless truth. Some insurance companies also retain the right to drop doctors from their plan at their discretion; so basically same as right to fire, just like an employer employee situation. Hospitals are already complaining about abuses within the alternative insurance programs offered instead of traditional Medicare, at a time baby boomers are moving into retirement: they are creating monolpolies using the heath care system, so that any heath care workers that don’t align with them have difficulty working independently from them, while also forcing patients to use doctors they have under contracts. Would be interesting what would happen if someone started sounding this alarm and asking Congress to investigate how this is beneficial to the people, over the way things have been pre COVID. Also who actually owns these companies covertly taking over Americans healthcare choices?, as another form of control of freedom of choice. Great video. God’s Blessings 🙏🏼
I do billing for a private practice. The amount of BS the insurance companies do to get out of paying even when we are IN network is astounding. They’ll ask us for the notes from the appointment, I’ll send them, and then the insurance company just says they never got the records, and deny the claim. Then I have to appeal the claim, resend the notes, and then wait months for them to respond.
@@alejandrochataing5341 it’s been a long time but I did see it. Your comment makes me want to watch it now that I’ve been behind the scenes. When I watched it before I’d only been to the emergency room once on my parents insurance lol I was so naive to how shit works
Until 2019, it was mandatory federally. If you didn't have insurance at some point during the year, you would have to pay a fine. Health insurance is the worst in the US. Literally destroys people's lives.
Yep. This is why we need Medicare for All. Under MfA, *_every_* doctor and *_every_* hospital would be in *_everyone's_* network. And none of that "preapproval" nonsense where you can't get treatment unless and until the bean counters at the insurance company decide to authorize it. (Medicare doesn't do that.) And because Medicare would be the only insurance company (i.e., a "single payer"), it would be in a powerful position to dramatically lower medical costs. And administrative costs as well.
Guess what happens if the patient doesn’t have insurance? The patient pays. Meaning Mr. big bad private surgeon sets the rates. So don’t blame insurance for you jackin up the price.
Yes I saw that with my $52K bill from the hospital outpatient surgery center for basal cell surgery on my face under general anesthesia. Insurance paid about $2500.
Meanwhile in the UK the state owns all of the hospitals and pays all of the doctors directly. If I get ill… I go to get treated, get the help I need, and leave. Private treatment is available and it is cheaper thanks to the NHS being available for everyone from homeless people to billionaires and being used by 80% of the population. But when the system was created doctors didn’t want it because they said it would give the state too much control and the British medical association fiercely protested it so the minister for health at the time bribed them and said the famous quote… “I stuffed their mouths with gold”. Since 1948 when it was created as the worlds first fully universal and free at the point of delivery healthcare service people have always loved the principles on which it provides care to us, it’s just the lack of funding which we all hate.
If you’re diabetic with bad insurance it’s likely that the insurance company will only pay for a certain amount of insulin, even if it’s not enough. God bless American Healthcare
Yea I worked with a diabetic guy barely making minimum wage and his insurance company wouldn't pay for his insulin because they claimed he made too much money or something I don't know or understand the full details. I just know there were a few weeks he'd come to work without taking any insulin because he couldn't afford it and he literally looked like he'd drop dead at any moment while working, it was crazy.
@@joshualipsonhips4640 It literally kills you when you don't have insulin! If you don't have Insulin your blood sugar rises until you die thanks to a hyperglycemic coma. Treatment like that is insane! He didn't just "look as if he might drop dead", he was rather close to _actually_ dropping dead.
I agree. I have a parent who is an endocrinologist and my cousin has diabetes. I remember my parent always coming home upset after dealing with an insurance company that refused to pay for the medication that they recommended. At the start of the pandemic, my parent gave higher doses of medication to their patients and told them to cut them in half because of the uncertainty of the next time they could get their medication. It really sucks to see this happening from an outside perspective and I wish I could do something to help.
@@fcasias7 Define "good insurance". I live in Germany and while it's not perfect and takes quite a chunk of the salaries so far I never had a problem with it. And I depend a lot on it due to epilepsy. Since over 10 years. While I don't die without medication it still makes sense to take it for obvious reasons. While I don't have diabetes I know some who do and those don't have any problems with the insurance. But that's just anecdotical. A special type of companies which are not aiming for the highest profit, but do compete, seems to be the way to go.
Ok quick breakdown for non Americans and Americans who don’t know. In America you pay for insurance, the more you pay the more hospitals you get access to in case of an emergency. But you also pay taxes, a lot of which go to the government for subsidies, which subsidies the healthcare industry. So for the ability to access the doctor without paying out of pocket, you not only pay a tax to the government that goes to the private healthcare sector, you also pay insurance which can be very limiting. But don’t worry, it gives us more freedom Edit: Hospitals in America mainly charge so much for tax reasons as well. Say they lose $300 for a session of your treatment. They will charge your insurance company maybe $2000 for the treatment. The company knows this is bs and will only pay out the $300 or maybe a bit more. What they don’t pay the hospital can write down and report to the government as a loss and get reimbursed by the government. As well the rest of that initial bill is footed to you so they profit from subsidies you pay for with taxes, direct reimbursement from the government, and whatever your insurance won’t cover assuming you have a bad plan for the wrong procedure
And the kicker is, those taxes could easily fund most of the healthcare system if the healthcare system in America was structured remotely like other countries.
@@tybahza5643Since when was it legal to criticize a foreign government in Germany? Since when was it legal to burn a foreign flag in Denmark? Since when was it legal to have an abortion in Ireland without going through pages of bureaucracy?
@aycc-nbh7289 you don't think there are weeks of beauracracy in the states for an abortion? Where is the right to sue your insurance provider in the states? The right to easily participate in democracy? The right to go to the hospital and receive treatment rather than to perish and not make your family inherit unplayable debt?
They also tell doctors what medications to prescribe and the doctor has to go through steps of testing of course the cheapest, even if the doctor wants to go straight to the test that gives the most answers.
I don't know but it really should be. I don't even live in the US and I've had to deal with health insurance taking control of my health. I have a mole like thing on my leg that doctors warn could be cancerous. But insurance won't pay for the removal because it's "cosmetic". Yes Karen my cancer is cosmetic 🙂
If that's true, then the fault most likely lies with the private health company for signing a shitty contract. I don't think there should be laws to restrict scamming potential. It's up to both sides to make sure they're not agreeing to one. If you do sign a contract (as long as you're under no external threat), then it should be your problem alone 🤷♂️. Don't blame the scammer for scamming an idiot, blame the idiot for not hiring a competent lawyer.
For the same reason a lot of shady shit that big corporations do isn't illegal - because they pay immense amounts of money to lobby the government and when said lobbyists retire they join the very government departments they were lobbying to begin with. In other words, the US is actually controlled by the very monopolies that its laws should have prevented forming in the first place (gotta love unchecked, unfettered capitalism).
My dad was a surgeon and had his own practice. I remember when managed health care became a thing. He lost so much control over his standard of care and ability to practice most effectively
@@kennethmasters9329 Not really feasible for a lot of people at the prices insurance companies charge, also, chances are you're still paying it. It's just over time so it is disguised to you.
Absolute truth, and the fact that we have allowed insurance companies to run the medicine show makes me crazier than a long tailed cat in a room full of rocking chairs.
@@lowkeylokii4205 I think the phrase is "more nervous than a long-tailed cat in a room full of rocking chairs" but people kindof mess up the phrases sometimes either because they haven't heard them enough, or heard them wrong their whole lives lol
There was a very good quote on another video, I can’t remember who posted it though, it went something like this “The American healthcare system works fine, it’s just not designed to benefit the patient”
Well, insurance is generally a good thing. Getting a good policy is an important part of financial planning. It’s just the healthcare system in America is totally fucked up.
Insurance technically is cool; Statistically, one in a 100 people will break a leg this year. Me and other 99 guys will each put 1/100 of the medical expenses into a pool and whoever breaks a leg gets that money. Really good if organized well.
@@creengton8594 except you don't get to choose and pay for the supplier. Your employer does. He then sells it onto you in exchange for man hours. Which means if they can sign things like co pay and minimum charges etc into the agreement the insurance company will offer it to them for less. The one size fits all fight to the buttom approach is why American healthcare sucks.
Oh man, your ability to sum up these complex topics in really simple, yet funny and largely accurate snippets is Amazing! Sure everything is more complex, but I don't think I could describe it any more accurately in under 5 minutes, let alone 1! Keep it up!
@@sheet-son there is a different between uneducated and idiots, uneducated know they're stupid but want to learn, like him, idiots think they're smarter than everyone else who think they can understand more complex things than everyone else but they actually don't, like you, but alas you doesn't really said in your comment that you're also an idiot or not, so i might be wrong
@@ferdinandb.s8975 you typed all that to say that he used the term idiot correctly. If you think you can convey any unbiased solid information on the healthcare system in a 60 second clip then sadly you are a useful idiot.
While I totally agree, what's gonna happen? The insurance companies will magically develop a conscience? Or will the lawmakers who are paid atrocious amounts of money by said insurance companies will do...what..? Fluff the pillows under the insurance ceos feet? Give them their choice of hookers with tiniest, softest hands for hand jobs?
@Alex first and foremost, healthcare in the USA is not the best, it is one of the worst, but it is the first in terms of costs. Second, a medical school debt of 400,000 is really a lot, you probably won't spend more than 100,000 (usually 40-60,000). The reason US healthcare is expensive is not that doctors get paid so much, (most of them don't) but that insurance companies want to make money (and no, an increase in the number of insurance companies would not drive prices down). third, it is not true that more people die in the UK from poor health care, in fact life expectancy in the US is lower than in the UK. (U can verify evrything with a quick google research) It seems to me that your political outlook affects your idea of health care, the fact that the rich have access to the best care does not make health care good in the United States.
@Alessandro Zatelli holy shit please tell me where you were able to get a 12 year Doctorate/Doctorin Degree for 40,000 to 60,000 because I had no idea!! Lmfao gtfoh dumbass literally 1 year is 45 to 60 thousand a year so more like 500,000 in debt once in the medical practice field is more realistic, and go back to your google searches for more than a quick second and gain some real knowledge and insight and not just some bullshit article that merely fits your mediocre blurts of misinformation 🤣🤣🤣
@Alex Dude, what's the data for you to say that "USA healthcare is better"? Longer waiting is nothing compared to being able to be cured no matter your financial history. Free healthcare isn't socialist, is just common sense. As being paid for a job isn't capitalist, is again, common sense.
I’m in the UK, it really scares me (and others) that our NHS (which we love dearly) is slowly being privatised. We see and hear how it can be in places like the US if you can’t afford it and it’s just mind blowing that adequate health care isn’t treated as a basic right for all, no matter if they have money, insurance or whatever. Yes we all automatically pay a small (you don’t even notice it) amount out of your wages each month towards it but even if you don’t work or have never worked you still have access to medical care without any costs or worry.
Right?? Conservatives are trying to do that in Canada too. Why?! You think you ain't gonna get sick or hurt ever?! The politicians strip more and more out of the provincial healthcare budgets, and then when, SURPRISE, they start to struggle to meet everyone's needs, the politicians go, "Oh, dear, it's looks like there public healthcare system just can't actually handle things. What a shame. Perhaps we should let those who can afford it go to private doctors, you know, ease the burden on the public system some?" 😠😠😠 The Premier of Ontario gave the provincial system like $1.3 BILLION less than they had budgeted last year, ends up! DURING A PANDEMIC!! What kind of a jerk even does that?!
The problem is that we have technologies that are so expensive to produce and administer that we would quickly bankrupt ourselves (as in, the global economy) if we covered every procedure that was optimal for the patient. So someone has to decide who is treated and what they're treated with. Doctors are going to advocate for their patients to have the best, especially if the patient and dr are not paying. Someone has to advocate for the economic side. That's either a government, a hospital, or an ins. company The problem isn't privatization, it's corruption (money bleeding out when companies "take profits"). I personally agree with publicized healthcare but I can understand how somewhere like Russia that would actually be way way way way way worse
@@seeker296 This is actually incorrect in that, our "administrative overhead" (read, insurance company and pharmaceutical company profits) now take huge amounts of money out. If we went to a system where the government just paid for care, where we all paid for our medical care through our taxes, and pharmaceutical prices were capped, we could still get all our procedures, AND... *we would actually all save money.* Really. The insurance and the pharma companies are gobbling up THAT MUCH MONEY. We would also get better care. We would not have to fight an insurance company to get care. We could just go to the doctor. It would be free at the point of service, because it already came out of our taxes. ...People die every day because they can't afford treatment or medication.😠
@@seeker296 As for the argument that capping pharmaceutical prices will limit medical research money? Big pharma collectively spends more on advertising than on pharmaceutical research. The commercials the pharmaceutical industry puts out on the subject are...well...🙄
In Australia if we need urgent hospital care it's immediate and there's no bill. If it's not urgent we may have to wait some months, sometimes more, but there's no bill. If we choose to pay for private health insurance we can and the federal government subsises it. Private hospitals may be quicker (but not better) and the private health insurance usually covers most of the cost. The system could be better but it covers most needs.
My brother had cancer and needed chemotherapy and 2 surgeries. He was sent to the hospital after diagnosis, went into surgery after a 90 minute wait, was placed on chemo after, had someone sent to drive him to and from his chemo sessions, had a follow up surgery after chemo, and is now cancer free. He paid a total of $35 for parking. We live in Canada Another story: My girlfriend's mom had COVID and was placed on life support for 3 days, needed a ventilator for weeks after, was given a private room, and ended up spending about 2 months in hospital. They paid nothing out of pocket
Canada is nice along with many other countries. I wish the US was like that. I have major back and neck pain. I just got done getting a shot in the neck for pain only for it not to work. We set another go to try a new location and insurance deined the request stating I need to do a bunch of things to which I was already doing. Anyways they fixed it and was approved. My medication is another one thing that pisses me off. They give me 2 of them for 90 days and then the 3rd one is 30 days ( 4 1 gram pills ) and they will not fill it because it cost like 400 dollars for the month because its 120 pills worth. I have a bunch of stories as to how dealing with medical care and insurance. My Doctor and her staff are far better than my former doctor in getting things approved.
@@kozmikmercu but... We don't. I have friends that work for ReMax who buy and sell homes, hell I own property and nothing was given to us or taken from us. We have the option to choose what doctors we use, I can go to any walk in clinic I want, I can change my family doctor if I don't like them. I think you have an skewed idea of what political system Canada uses. Outside of the fact that there isn't any true _communist_ country that exists, we are nowhere close to countries that identify as "communist". If we're talking _socialism_ , then Canada is more socialist than America, but only when it really comes to healthcare... I mean, how do you pay your teachers, firefighters, and police? You have a welfare system right? You have transit systems, public roads, public schools, and garbage workers, right? That's all paid for through taxes, they're SOCIALized programs (socialist programs)
And this is why having a rare medical disease or condition sucks so much. Finding a doctor who knows how to treat you and is able to accept your insurance is like looking for the short piece of straw in a haystack.
I know I'm making a large assumption here..but since I'd assume your American. You were given the opportunity to have nationwide free healthcare a few years ago remember? I thought most of you thought it was a terrible idea and would "bankrupt" you even though multiple other countries have a universal free system payed for by everyone which all work just because they made access to healthcare a basic human right?
@@FuzzzehOG Obama didn't try to install single payer since he understood that the overhaul would destroy the American Healthcare system. And also, it's not free, stop claiming it is free because that's dishonest framing, because you pay for it in taxes, in fact in most places with single payer, like Canada, 25% of your taxes go into it, which considering their tax rate is outrageous. And in the US Healthcare is a human right, because we have Medicare, medicaid, and emergency insurance which along with the main privatized system, which does have issues, but aren't nearly as bad as most other nation's(the spark notes version of the issue is that FDR prevented wages from rising leading to companies offering health insurance and to make their deals sweeter they colluded with hospitals to make their nominal prices outrageous to make the insurance seem better). Since the US's are due to regulation preventing competitive drug prices, while places like Canada's are due to them treating people like they're cars leading to surgeries, such as hip replacements, taking about 41 weeks to get done after diagnosis and scheduling, which can take another 10 weeks (and these are the generous numbers since scheduling can take up to 30 weeks) in a good year, with that number growing by 3x under covid.
@@nope929 your just wrong though in every way. As demonstrated by the multiple countries that transitioned away from health insurance, it was far fucking easier than regularly hauling large insurance companies to congress to give them a good old telling off...which results in 0 action. Yes the healthcare is not necessarily free, I'll agree on that..but what I won't entertain is the idea that bankrupting entire families because of preventable diseases and big pharma saying they'll lose profits. Good! They should lose profits for being heartless money making machines that use people's misery solely to gain. That is the real reason the US didn't switch, it had nothing to do with the cost. Just to point out. To have full medicare cover you spend around $150 a month. I live in the UK, my contribution is far...far less and I won't have to pay into this my entire life as once I retire I won't be earning to pay in any further but guess what...I'll still be covered for all range of medical issues until my dying day. This is because instead of allowing for profit organisations to have their say on a system which they put nothing into we force companies to adhere to sane pricing laws for the benefit of the British population, not investors pockets. They're also held to higher standards might I add. Also using the point that paying for healthcare means you get surgery faster makes no sense, its damn obvious that if you pay for something that is usually free your generally gonna get served quicker. For all surgery there is a waiting list meaning whoever pays most gets served first..implying the system is broken and again serves only those most who can afford it.
And that's if you even have a diagnosis. If you don't, when you make an appointment and try to explain your uncommon symptoms there's a 90% chance the doctor or nurse practitioner will try to gaslight you into thinking it's not as bad as it is.
@@FuzzzehOG listen if you want to understand America, understand that there really isn't a most. Everything is divided in half. 50% believed what ever Trump and Fox News said, even if it was to their own detriment. Lots of his supporters claiming they didn't want it, didn't realize they already had it because the assumed the official name was Obamacare. I live in California more of a 65-35 split for "liberal stuff," like affordable health insurance and medical care and taxing Billionaires. People don't agree, they don't want to meet in the middle, and "Don't Look Up." Is a clear summation of American insanity.
I just had a knee replaced & the it’s a great big game between the hospital/doctors & the insurance company. Hospitals/doctors charge high so the insurance company will pay an almost decent amount. My doctor did an excellent job on my knee & I feel like the insurance co. gave him the shaft.
This is why we need Medicare for All. Under MfA, *_every_* doctor and *_every_* hospital would be in *_everyone's_* network. And none of that "preapproval" nonsense where you can't get treatment unless and until the insurance company decides to pay. (Medicare doesn't do that.) And because Medicare would be the only insurance company (i.e., a "single payer"), it would be in a powerful position to dramatically lower medical costs. And administrative costs as well.
We should abolish the health insurance industry and send all the highest ranking employees of those companies to an island to star in a survivor style reality show for the rest of their lives.
You think a bunch of government bureaucrats would do better? The number of administrators in the medical system has risen about 3000% since passing the Affordable Care Act, aka Obamacare. If you wonder why health care costs rise much higher than the rate of inflation those high paid administrators are probably the reason.
@@CherryBotV2 You think there are many hospital administrators who make under 100k? I think there is a medical industrial complex in this country that includes the greedy insurance companies. I know a bit since I work for it.
The amount of times a specialist said I wasn’t in their network confused the crap out of me, as someone who lived in Toronto, Canada. American health care has given me so much anxiety, I am so glad I’m a dual citizen. Definitely leaving America when I’m older and need more health care. Living in the US is so overrated.
There is a part on Rich Dad Poor Dad where it says something like this: "an A student works for a C student". I get it, even doctors have to work for business owners. We need a massive Healthcare reform. I work in the health care industry and it's sad to see the lack of leverage we have as patients.
As somebody who's always been too poor to afford health insurance because my parents were shit and ive been self supporting since i was 14: ive almost died on no less than a dozen DIFFERENT occasions because hospitals will admit me for an issue, begin fixing said issue, then find out i have no insurance and go "OKAY youre all better you can go home now" only to come back in 24 hours later LITERALLY dying. People have no idea how much that law that the ER can't deny a patient is needed, because if they could theyd have let me die every single time because they know i cant pay. But they cant because that would be a crime. The american healthcare system is the most successful mafia in the world.
For the people who complain about taxes for free healthcare, put it this way. With taxes, you pay an amount of money towards a group every month/year in exchange for getting healthcare when you eventually need it. With insurance, you pay an amount of money towards a group every month/year in exchange for getting healthcare when you eventually need it- if they decide you can get it. Sometimes they say you don’t need it and you just get ripped off
ikr. Americans spend more money per capita in the world for healthcare, yet their health outcomes haven't been improving for several decades now? I come from a small European country, which is by no means perfect, but at least there is no such thing as "copay" "in network" "deductible" or even "hospital bill". Yes we pay for it in taxes, but it't better than this...
Agreed and they charge you more as it's a profit driven business. Public Healthcare tax would likely be less or same as it would remove the profit margins. And you never have to worry about getting covered or not. In network out of network or overpaying or underpaying as all hospitals would need to agree to accept it. Government can negotiate prices and keep costs down eliminating profit factor. Government can pay doctors a fair fee. And adding free education system would eliminate the debt that doctors and specialists often have to combat for first few years of their lives keeping the entire system effectively fair.
He's not in movies for the same reason movies like the death wish remake are about imaginary rape gangs instead of a dude using violence to get even with the insurance execs that rape our wallets every paycheck and still have the gall to deny lifesaving treatment.
It means he doesn't accept their insurance, not that the insurance company won't pay to let the patient see him. It means the insurance company won't let him charge three times the going rate for this type of procedure. The patient could still see him and pay the difference in most cases. There is now a law in many states that Doctors out of network can't "surprise" bill you when you go to an in-network facility for healthcare and are seen by a Dr. who is out-of network.
That slowly dawning realisation of "yes, I do actually work for the insurance company..." Makes the NZ health care look a lot less broken in comparison.
@@TD32333 yeah, the only ones that are worse are in broken impoverished countries where they just can't do much better with the resources they have....and hell, some of _Them_ are beating us. It's a barbaric disgrace.
Well do take care. These vampire companies don’t stop at anything. My country has mostly free healthcare but lo and behold they bribe their way into the system and now the corrupt govt has announced plans to shift the whole country’s health system to the oh so good American Health insurance company based model of health deliverance. Sadly our people are so blind to see it, no one is challenging it.
I’m a licensed therapist in private practice & am in-network w/ all major insurers. This video was spot on. It made me laugh but want to scream at the same time. Insurance companies, not medical practitioners, have all the power in healthcare decision making & treatment. Until that power is taken out of the very rich insurance company’s hands & given back to the medical providers of care, our healthcare system will remain a mess. We spend far more on healthcare than any other industrialized nation, & logically, that means we should be the healthiest country in the world. Not even close.🤦🏻♀️😡
It's not broken, it's working as designed. That's the problem. Can't fix something that's not broken. It needs to be replaced. That applies to medicine and education and probably a bunch of other things.
@@RutabegaNG i feel like a lot of the major issues the US faces is like a massive tangled knot of wires that are impossible to work through. it feels like voting alone often isnt enough to incite any reasonable change
That would require a libertarian or further right individual to be in office, as well as the majority of the entertainment industry and largest corporations in the U.S. to also be owned by people of the same beliefs that want a free market both in ideas/beliefs and in their economic system. All of which will NEVER happen again.
*HEALTHCARE IS A RIGHT* funny but I can’t find it in the constitution anywhere. The founders must have left that one out. What I do find is the 2A. And yet I never hear leftists clamoring that gun ownership is a right and that other tax payers have to buy me any. Yah, I don’t hear that about bibles or laptops either. It’s only their sacred cow they clamor about. How bizarre…
@@geeksofthegalaxy you really think someone who is further right is going to fix the healthcare system? they are the ones keeping it broken because the insurance companies are funding them.
This is precisely why providers (doctors) are banding together to negotiate with or cut out insurance companies. It’s also why hospital systems are merging and why insurers like Optum (United Healthcare) are flat out buying up and hiring providers. It’s a battle to determine which healthcare services are rendered for an acceptable cost. And all at the expense of patients.
Healthcare in the US is nutts! I am a healthcare worker in Tijuana Mexico and I am shocked of how little the healthcare system in the US cares about their patients because of insurances, when a patient from the US tells me they are predeabetic I already asume he is actualy diabetic and terribly managed, just last month we had a man in his early 60's who said he wa prediabetic and took metformin for it and I was not surprised at all when I check his labs and we see he is already in kidney failure because of unmanaged diabetes
Yup. That's 100% true. I worked in medical care for 40 years. It's tough not being able to treat the patients without the insurance company interference. 😪
Thats why i say to everyone with permanent health problems to come here to germany. We welcome everyone willing to work and integrate. Our country is not perfekt by far but ive got several surgerys and never saw a bill for them. Well ok once because i ordered a pizza. And thats all.
We're paying more to get worse outcomes, patients and practitioners hate the system and yet so many people bristle at the thought of adopting ideas from systems that work. Only in America.
@@MrDekuchan how do I move there sincerely I have chronic health issues and I need a masters in psychology or social work but then I am good to go as a mental health professional i am also married we are pretty poor I am willing to work through school remotely i just need to get out of the USA it's getting scary here with all the facism looming in the air.
As a working class Scot I feel sorry for ordinary people who do not get looked after. It's so stupid because having a healthy vibrant population should be seen as common wealth. That is a form of wealth. It's an investment on your
So doctors are basically contractors for the insurance companies, and the insurance are essentially medical practicioners because they make decisions on whether their customers get medical care
I had a baby at an in network hospital but somehow had an anesthesiologist that was out of network. I didn’t even know that was possible until I got the full bill and charged twice
I’ll never forget being on a bed in the middle of the procedure at UConn, and the admin walked in all upset because she didn’t think I had insurance. I was so embarrassed! Heathcare is such a nightmare.
My partner was prescribed a new medication that, without insurance, would be $500 every month. The insurance company had to decide whether or not they were going to pay for it, even though he pays for the insurance coverage. It’s ridiculous that insurance companies get to decide what medications people are allowed to take after their doctor has already prescribed the medication.
Work in Healthcare and this frustrates us all the time. I deal with cancer pts and sometimes we have to delay scans and treatments because insurance companies sometimes take forever to approve a scan or they require a peer to peer consultation. Very frustrating
😒😩 that's an absolute disgrace and those insurance company's should be barred from practicing,but unlikely to ever happen as wherever there is big money there is big corruption and no doubt in my mind political parties are getting their wallets fattened to keep it the way it is 🤔
My uncle had soft tissue sarcoma and his temperate went through the roof and he passed out and stopped breathing a few times and had to be brought back. Insurance didn’t cover the hospital bill because they said it had nothing to do with his cancer. He unfortunately passed away last month
The US doesn't have a healthcare system, we have a health insurance system.
Good
Bingo. The sooner we can stop conflating the two, the better.
And a sick care health system, at best.
I refuse to call it a "healthcare system" anymore. It's a "medical industry". It's not about caring for a patient's health, it's about making money from medical conditions.
There isn't much the American people can do about it, since no political party is willing to do anything about it.
Insurance companies need to be sued for practicing medicine without a license.
The licenses were half of how it got that way.
They have doctors with licenses deciding to approve it deny claims
@@danielshannon167 That insurance doctor didn't examine the patient.
@@danielshannon167You mean the doctors that work for the insurance companies? Would you trust the car salesman that worked for the dealership?
Insurance is legal theft
We have one private Dr. here that refuses ALL insurance. He charges a fair fee and if an injection is needed, he charges slightly more than what he paid for the medication. He's consistently booked full.
What, who, where?
Insurance companies are so corrupt. It costs individuals and healthcare providers a ton to do business w them.
It blew my mind when Obama signed a bill to force us to do business w insurance companies.
Honestly, our best bet is to ditch insurance completely and have businesses offer HSAs and match our contributions much like they do w retirement plans.
Then each of us have the opportunity to shop around for services and determine cheaper and better care, which would force healthcare providers to compete w prices and would bring down costs. Even cancer treatment would come down significantly.
I have tons of health issues. I grew up in and out of the hospital. I’m also a financial coach and nerd out on numbers. Every scenario I’ve done detailed run throughs proves this to be the most efficient way to operate
Also, there were a couple of hospitals in the southern Midwest (I think one in Kansas but I can’t remember the other) that decided to operate not accepting insurance. Very well run hospitals and it was far cheaper for people to go there than it was to go w their insurance elsewhere.
Plus, pharmacies are not allowed to disclose that a medication is only $6 out of pocket if the patient has insurance w a $10 copay
@@joyfulhomemaker8053 except youre not factoring in the greed of healtcare professionals. Costs would largely stay unchanged.
But I agree, Healthcare is corrupt. Our government is corrupt. Doctors are corrupt. We have a morally flawed society at large. They value money more than people.
@@joyfulhomemaker8053Every institution in the US is a scam or a scam in the making.
Not only this but, I'm a nurse, and most people have absolutely no idea that hospitals are not run by Drs or nurses. ALL the policies at a hospital are decided by MBA's. Business people decide what the Drs and Nurses are allowed to do and not do, not the Drs. They also decide what products and resources we have access to, not Drs.
Administration and insurance has ruined the system
@@drpotato5381 Yep.
Pharmacies are similar in my experience - corporate administration with zero experience with pharmacy, or anything healthcare related for that matter, setting policies because it looks good on paper. Who cares whether or not it's better for the patients or the employees who are trying to take care of them?
@@Edwahlq administration everywhere tends to be a joke. When your job is contingent upon the output of others you open up the door to lots of unethical behavior. The "best" managers are manipulaters that are good at people pleasing. Actual good management views their role as a coach or mentor instead and asks and discusses with everyone in the corporate hierarchy/totem pole before implementing policies or procedures
It's the rich simply buying their way into industries without necessary experience.
Evil, simply evil...
Gotta love non-medical professionals holding weird absurd amounts of power over the functions of the healthcare system.
They don’t. Insurance companies have doctors making coverage decisions. Also, whoever is paying should decide
Welcome to Capitalism! Brought to you by literal loan sharks and a staggering amount of war crimes!
@@bidmcms3 yeah and the doctors are working FOR the insurance companies to make this decisions... hmmm conflict of interest much? and No they aren't paying, the patient pay THEM money. So by that logic the patient gets to decide?
@@bidmcms3 Even if there wasn't a conflict of interest in doctors working for the insurance company there's still a lot of problems with it. Remember when everyone was getting all upset over "death panels" with Obamacare- that happens every day in health insurance. Doctors provide consultation, but they don't make the ultimate decision of what the company will cover or not cover. They may say these 5 treatments are life saving and essential and the insurance company will say yeah but we're only going to cover 4 (and likely non-medical professionals will make the decision which ones they are going to cover based off of the doctors report and finances). Also insurance companies don't hire that many doctors to consult. They're asking doctors to know the ins and outs of multiple specialties, e.g. when is this necessary to live vs just a quality of life thing, and keep up with the latest treatments in those fields.
It's messed up
@@danielyuen8691 I don't get it, I thought the problem was that they had _no_ doctors making coverage decisions. Are you suggesting only medical professionals should own insurance companies?
Health insurance is not just a scam, it’s an extortion racket.
If insurance is extortion so are taxes. keep trying.
@@99EKjohn Yes, your logic is flawless. Indeed, both are extortion.
@@99EKjohn yes
@@An_AttemptMany conveniences you enjoy, as well as infrastructure are paid thru taxes.... Get a grip. The system ain't perfect, but calling all taxes extortion is just pure retardation, period.
@@99EKjohnyou must love getting plowed in your keister
This should go viral. Straight up.
It did 😅
Keep in mind your doctor likey puts in a lot of extra time battling the insurance that you don't know about. My doctor is a bit transparent about it. Nothing gets approved until it gets submitted, insurance will "tell you" but still deny a certain procedure or doctor or med. A good doctor will let you know of insurance issues or potential insurance issues if they are familiar. Insurance is not your friend and the clinic the doctor works at is not either. There are a lot of burnt out doctors from the system which can mean care is not good. If you find a good doctor make sure you let them know how much you appreciate them. ❤
When I was 14 I had a 16-hour surgery done on my stomach for various reasons, about 5.5hours in the doctor was told to stop and sew me up, I was being transferred to another hospital to finish the surgery. when he asked why they told him bc insurance said they won't pay for this hospital. The doctor outright refused saying if I close her up now her survival chance drops significantly, he proceeded to tell them him he'd figure it out afterward and if it came down to it he'd pay for the surgery. Needless to say, he finished, I survived, and he came thru for me. An amazing doctor. Sadly, it's the way insurance works here in the United States.
Yeh I’ve had health issues my whole life and Insurance has been a real pain in the butt...
My parents had to switch multiple times when I was a kid because of pre-existing conditions. Then on my own insurance(Anthem Blue Cross) I was denied coverage for many things including MRIs despite having colon issues, damaged spine(football accident), and so on... It’s ridiculous...
@@sicsempertyrannis4613 I am so sorry! Nobody should have to deal with these issues. My daughter lost her foot when she was 3 months old ( a dog attack) but from the day my husband got custody we had to pay cash for her prosthetics. My husband now suffers from something called Ankylosing Spondylitis and he cannot get medical coverage without paying an absolutely insane amount. Good luck to you!
Speechless 😶
That. Is. Insane. They claim to care about the patient and always have the patient's best interest in mind, yeah, bullshit! 🐂💩! They ONLY care about the bottom line, the +/-'s, and their shareholders. So sad. 🤦🏼♀️
I'm glad you had one of the good doctors who actually make their patients a priority and genuinely care. 😊🙏
✌️❤️😊🙏
USA, USA, USA!!!!!
It's almost as if having a profit-driven middleman is a bad idea in a Healthcare system!
It’s almost as if insurance companies have had to cut corners to compete with endless government funding that only resulted in MORE EXPENSIVE PREMIUMS.
Seriously. Insurance companies did their job prior to Obamacare. Most of the time (if not all of the time) there was no “out of network”. You were the one they covered, not the hospital. Same with ambulance trips.
This was because they didn’t have to compete with public healthcare (which was already crappy compared to the private plans, but it was cheaper, for a time.) when private industries try to compete with government programs, everyone suffers.
When the government is the only option left, it is tyrannical.
@@thatcarguydom266 You are working backwards from your conclusion. If I asked how private insurance is cheaper than public you would probably say something something competition, but now it increases costs? Looking at a global scale, we are the only 1st-world country without universal coverage and as a result spend easily the most on our system, have among the worst healthcare results, is utterly convoluted and confusing, and have millions forced to file medical bankruptcy every year... which isn't a thing in other countries. HALF of Americans have some form of medical debt.
That is a broken system and has always been around, Obamacare(which is a conservative system designed to keep private insurance IN PLACE) only threw a tiny blanket on the fire. By all practical standards, a universal system is more effective and ethical.
@@thatcarguydom266 That's a lie. Deductibles still existed, you still were limited at what doctor you could see, premiums were still high. People still went bankrupt or even died. You don't know what you're talking about. You pulled that out your as*
Yeah but we can't have affordable healthcare because that would literally be communism /s
@@austinhernandez2716 and look how many fools liked it hahaha more idiots who repeat what they hear but cant do any Research themselves hahah idiots….idiots everywhere.
Medical tourism is a thing for a reason
Health insurance is why medical procedures cost insane amounts of money. People could actually afford doctors before they existed.
Wrong, it is the governments involvement that increased prices as well as advancement in technology.
My private insurance was $150 a month before Obamacare. The same policy is now $765 a month. No preexisting conditions or medical problems. If you want the same medical device that was available in 1960, it is more than likely the same price with the inflation added (if it is still available). However, if you want the carbon fiber, titanium, microprocessor version, it will cost substantially more.
@@marshall4759that’s why healthcare needs to be publicly funded
@@marshall4759 You have been lied to by somebody. I suggest you stop listening to them and start thinking for yourself.
Your premiums went up because the insurance company needed to generate more profit for shareholders.
"Obamacare" was the insurance companies grifting the American taxpayers. People didnt get health care from the government, they got INSURANCE PLANS...
@@marshall4759Obama care or the individual mandate was thought up by Richard Nixon. It's a right wing Healthcare plan that only works for insurance companies and no one else.
In some blue states Obama care only cost people around $40 a month. Still shit. And then obviously where ever you lived was charging you a lot more, immoral, wrong.
Who knew right wing Healthcare plan made by the crook himself would've been bad? Wow 🤦♂️
@@marshall4759also, in what world do you live in where this issue started with Obamacare? This started with the insurance companies going wild and then the government backed their decision to go wild instead of using our trillion dollars in taxes a year to give that American people what they need, health care.
The government subsidizes insurance companies, with our tax money, the insurance companies take that money and give us a deductible that covers nothing and then they ask us for more money on top of that and they give us nothing.
It's always been that way and it's always been shit. You think your $150 insurance before obamacare would've covered major surgery? Thats a laugh. I remember way before obamacare/nixoncare people still complained about insurance and health care and said it was one of the nation's biggest problems.
We NEED THIS CONVERSATION
Insurance companies need to GET OUT of the game and let physicians do their job
I wish we could broadcast this loudly to a wider audience
who would pay then?
@@kaiudall2583 the people with the taxes
@@kaiudall2583Taxes
@kaiudall2583 Our taxes, like a normal country does. And the price of medicine could finally be regulated. Instead of $100 for an advil we can cut them out and get it to normal levels.
I also love that its a law in some states to have health insurance, you pay a premium, an amount the insurance compamy makes up, and then can just decide not to cover your procedure, you know, the entire reason for their existence.
Federal law, not state law - thanks O'bummercare
@@pianogal853you don't know anything about healthcare for people that cannot get it thru their jobs. You don't seem to understand that employer health plans are impossible to use and afford to get any actual health care. You don't seem to understand how the laws were changed for people with pre existing conditions like asthma and diabetes to actually get coverage for those ailments with their insurance no matter who it's thru. So yes, THANK YOU Obama for getting some semblance of universal healthcare started. We pay enough taxes, we should be able to get help when we need it like other countries who have their shit together.
@@pianogal853wasn’t the system already messed up before then? i’m not saying what you said is wrong, mind you
@@joostine3720 it was worse, because people could be denied insurance coverage for any preexisting condition. If you had type I diabetes, denied; MS, denied; mental health, denied; c-section delivery, denied. Do you see the problem?
Thanks to the ACA insurance carriers can no longer deny for ANY preexisting condition, nor can they put life time caps on coverage.
So yeah, THANKS OBAMA!! Because thanks to him my daughter who had thyroid cancer at age 18 can not be denied health insurance. Nor can I for having two c-sections.
@joostine3720 Absolutely, but O'bummercare put several 'tools' in the insurance companies' pocket that made it almost impossible for smaller independent doctors to practice as they see fit.
I've worked in medical billing for a while, and its wild what the insurance companies try to get away with.
I saw a thing about a lady once who had to get brain surgery, and the insurance company said that putting back the wedge of skull they removed to get to her brain was an optional cosmetic surgery. So she just lived with a hole in the side of her head for several months until she and her mother could afford to get it taken care of out of pocket. Her SKULL.
getting out of the military was very interesting trying to understand how civilian healthcare works go to the hospital once and get 7 bills
When the business student gets to make medical decisions.
“I’m somewhat of a doctor myself.”
Bill gates be like
@@randomcommenter395 bill gates makes medical decisions?
Medical decisions are made by either the business student or the government bureaucrat, not the doctor and patient because the customer is almost never the patient - it is either the government or the businessperson who pays the bill. All of this is because we all pay premiums (or we paid Medicare taxes or we all pay taxes to pay for Medicaid patients) to hand over this to the third party payer.
@@drmadjdsadjadi if we are being technical the one paying is always the patient it's just in a roundabout way (they pay the Gov and they pay for insurance)
@@TSH425 actually, you are completely wrong because some patients end up paying more than they spend and others pay less - this is literally how insurance works :). Thus the insurer or the government as the collective payer is the sole payer when it comes to any insurance scheme. Individuals can only be the payer if they pay the entire bill, no more and no less,
lets not forget that said insurance company almost certainly gets tax breaks and subsidies as well as bail outs if they need it, all from our taxes. ngl, they've got a solid racket going.
And they use those subsidies to cut company provided insurances meaning it's unviable to buy insurance direct.
Allowing the to negotiate co pay and coverage not with the person who would use the insurance.
Aka removing the free market from the free market.
Or if I pay for years and never use the insurance and then switch companies. We don't get that money back I paid to the other company and they still can't pay for anything
Health insurance is a racket, 100%. The "charges" on your hospital bill are all made up so they can make it look like they are saving you a bunch of money when they, in fact, are spending very little.
@@simonhenry7867 the “free market” is what private insurance companies are taking advantage of when they refuse to cover “pre-existing conditions” and “high risk patients”, and barely cover anyone else - AKA pretty much all human beings who need help insurance. It’s not the “free market”, it’s a market built to the advantage of the big buy and at the direct expense of the little guy. If “free” means “less than 30% of people can afford to participate and the rest can just go die or whatever”, I don’t want free 🤷🏽♀️
And the weird thing is there are people who don't want to move from that model
I'd like to see a video about the fictional thing the insurance companies have created called "inpatient observation". The doctors admit you to the hospital and they treat you while you are there, but the insurance decides that you weren't really admitted and the doctor is really just "observing" you. Since they decided you weren't really admitted they still make you pay the emergency room copays, and they limit the number of days you can be "observed". The result is that you get kicked out of the hospital while you are still really sick.
I've read about that and how a Medicare member needs to make sure they get formally admitted.
Haha this is too relatable.
My mother is in the hospital right now for surgery and all the things were arranged by an insurance agent. Talk with the doctor, insurance paperwork, getting approval, all steps were carried out by the agent. He tells us what to do, what to say to the doctor, and when we could be discharged. They booked the surgery room and a doctor for the surgery as well.
😅
You're forgetting the part where the doctor then sends a bill for the remainder of what they wanted to charge to the patient.
Ya know 🤣🤣🤣
It boggled my mind 10 years ago when a Texan colleague told me his insurance doesn't cover the whole medical bill. I live in a third world country and I don't have to pay out of pocket for anything. I'm not even talking about universal healthcare here, I'm talking about my employer-provided HMO.
And that's over and above the required PREPAYs that the practitioners demand.
And wait til ya find out about the dreaded retrospective denials of prior-authorizations, where insurance companies initially say "OK" and patients get the procedure and insurance companies then say "UMMM.. NO"
So the patient has to pay for all of it.
@@romxxii when you get healthy care through your employer here you still pay for it, usually a lot but less than it would be without your employer and you still have to out of pocket for whatever your insurance doesn't want to cover
@@brandyc9645 Nope, that's only in the US. In my country I do not pay out of pocket except for prescription medicines, which I can then reimburse in full.
I live in a third world country.
insurance company’s need to be sued for manslaughter, the amount of unnecessary death this fucked up system has caused is mind boggling to me.
Not manslaughter, this is premeditated murder
Lol no they don’t god you people are ridiculous
@@user-gl1ls1jx3hwrong
I died for just under a minute in 2018. I despise that the US can’t figure out how to not kill people. I’m only 30!
Canada kills more people by not letting them ever see a doctor.
One problem with health insurance networks is that they can be limited in terms of the number and types of healthcare providers included in the network.
The best finance strategy for health insurance is working with a standard and seasoned investment coach. I’ve been in touch with a professional for sometime,mostly because I lack the understanding and experience to cope with tough market conditions. I racked in almost $700k. They can help you evaluate the co-pays, deductibles, and other fees associated with each plan.
Reading, research, patience and seeking guidance is the best way to approach . I have been inclined with LUCY ROSE CARTER, a CFA whose experience and expertise speak for itself. I saw her take on risk management a couple of years back and I was amazed.
Lucy rose Carter has been the CFA responsible for my portfolio success, she operates a private client base you can confirm her yourself on the internet, regulation and all that.
This is why the US needs to have a real national health service.
Who’s going to pay for it?
@@ngf5077 you could pay for it through general taxation, like a first world country.
@@integrationalpolytheism so I still have to pay for it?
@ngf5077 And in those "first world" socialized medicine countries, wait 6 to 12 months for a surgery... but die before you get it. Oh and get taxed a minimum of 40% of your income. Yeah, so much better.
I will never understand the mentality that prefers for everybody to fight against each other, clawing over each other to reach the top of the pile of bodies.
There are many examples of countries where higher taxes (properly managed, so higher incomes genuinely pay more tax) is used for genuine common good.
Even if you are a rich fat idiot with your own house, car and private health insurance and all that crap, how could you even sleep comfortably in your bed knowing that your selfishness was the cause of the majority not being able to live a decent quality life, because your country has no adequate social healthcare, housing, transport etc?
I mean, how could you live your life happily, knowing that?
Most people should be able to answer this, I think, because most people do seem to be selfish arseholes, as far as I can see. The only mystery to me is how any countries actually have made so much progress in this direction. Maybe the example of the USA shows those other countries the warning of what they could turn into if they don't look after their citizens.
I mean, if a country doesn't exist for the benefit of its citizens and residents, then what's the point?
Yet another example of how the U.S. healthcare system works. Two examples in my own life- my aunt (who raised me) was literally kicked out of a hospital against the will of her doctors, because the insurance company decided they were not going to pay any more on that particular stay. Luckily she did not die. In my own case, I had chemo for 13 months, and my chemo nurse was calling the ACCOUNTING dept. before each session, NOT my oncologist, to see if I could have my infusion.
Hope you recovered well from the chemo sessions.
@@LaraCroftMP Thanks! I have recovered pretty well, but it seems like maybe 5% to 10% of systemic weakness remains, which I kind of think is there for life. Better than the alternative, tho.
Let all politicians receive the same health care benefits regardless of their wealth and status n watch how fast it changes lol😊
@@raymondomit6386 Same thing I have said for years.
Not nearly as bad as you have it, but I remember calling around to get a teeth cleaning in Missouri and NO dentists would take me. I'm like, "I have no insurance, I don't need any x-rays, fillings, none of that. I need a simple, easy, routine teeth cleaning and I have $200 cash that I will hand you."
"we are sorry sir, but we legally can not give you a cleaning."
So I went to Mexico and got my teeth cleaned for $10. And Dr. Fernandez did a great job.
"Well now that sounds like slavery with extra steps"
-rick and morty
Ha! This shit funny
Imagine unironically quoting Rick and Morty 💀
Prison is a better example, and student debt is indentured servitude
@@potatopotato590 well no one made you take the loans.
@@user-jk2po3cz7d Lmao 🤣 😂 are we still not acknowledging coercion exists?
Doctors should do pro bono work constantly. Lower the cost of care by charging less yourself
Insurance companies, assuming they should exist at all, should be owned by the customers. They should not be allowed to exist to merely generate the highest possible profit for shareholders at the expense of the healthcare industry.
"I love my insurance"
-Person who has never had to use their insurance in the US.
Lol get better insurance, lunatic
@@_pandart6435 I live in Canada, I was born with better insurance than you have access to, tool.
@@1objection if u say so, ey? When u gotta wait a year to pull out a splinter, I can't imagine a major surgery 🤣
@@_pandart6435 Haha, the usa places dead last in life expectancy among first worrld countries even behind many 3rd world countries, but sure, whatever helps that boot stay tasty 😆
@@1objection because people choose to be huge, blobs of diabetic induced heart attacks...point being? If that's ur correlation to health insurance, then practice telling those fat-bodies that their insurance will be less if they decide to be healthier 🤷♂️
Managed to cut my insurance bill in half. Still costs the same, just got carried away with some scissors.
God I thought you were a geco commercial for a second
@@danielyuen8691 Definitely had us in the first half, not gonna lie 🤣
🤣🤣👍👍
Must have had some sharp scissors!
You saved no money, but for a second, I'm sure you felt like a million bucks.
I am a psychotherapist and the insurance companies think we don’t deserve decent pay. I hate that I need to accept insurance in order to get clients. With this economy, no has money to pay out of pocket.
I'm just happy to live in a country where the law and your doctor determine what health insurance has to cover.
As a nurse of 47 years I have had to do prior authorization for medical and procedures. It has always astounded me that insurance companies can make the decisions to pay or not pay for a service. They don't know your patient or what they need so the patient suffers needlessly because they get /o "play doctor". Love this portrayal. It is so true!
in my country, the doctor has to approve that the patient needs the treatment so the insurance will pay a huge percentage of it, it doesnt cover everything but it does help a lot, hospital becomes expensive without insurance but still not 1k per visit like americans..
They can also send letters weeks after, telling you that they won’t pay for a prescription that you already picked up.
Agree❤
These rules are in place so the medical system does not go the way of school tuition and charge whatever they want AND GET IT!!
well if the doctor didnt do the work cuz the ins wont pay how does that hurt the doctor?
It's like knowing you need a new engine in your car, but your car insurance says lets just replace the timing belt instead.
This is after the timing belt snapped and grenaded the engine
Very well said, run for president please 👏🏻👏🏻👏🏻👏🏻🙏🏻
"Medical Industrial complex!" A guy came up with the idea in 1980, Insurance companies owning hospitals and medical services, even retirement homes! Some have 50-70,000 employees! (Google it!)
So true. As s. We need to protest the insurance running medicine.
Priceless truth. Some insurance companies also retain the right to drop doctors from their plan at their discretion; so basically same as right to fire, just like an employer employee situation. Hospitals are already complaining about abuses within the alternative insurance programs offered instead of traditional Medicare, at a time baby boomers are moving into retirement: they are creating monolpolies using the heath care system, so that any heath care workers that don’t align with them have difficulty working independently from them, while also forcing patients to use doctors they have under contracts. Would be interesting what would happen if someone started sounding this alarm and asking Congress to investigate how this is beneficial to the people, over the way things have been pre COVID. Also who actually owns these companies covertly taking over Americans healthcare choices?, as another form of control of freedom of choice. Great video. God’s Blessings 🙏🏼
I do billing for a private practice. The amount of BS the insurance companies do to get out of paying even when we are IN network is astounding. They’ll ask us for the notes from the appointment, I’ll send them, and then the insurance company just says they never got the records, and deny the claim. Then I have to appeal the claim, resend the notes, and then wait months for them to respond.
AND getting an Authorization billing with the auth # on the claim just to get an EOB with a denied claim for not having an authorization!
@@rachelh9071 yeah that’s always a fun time lol
God I hate this country lol
Hace you watched Sicko from Michael Moore
@@alejandrochataing5341 it’s been a long time but I did see it. Your comment makes me want to watch it now that I’ve been behind the scenes. When I watched it before I’d only been to the emergency room once on my parents insurance lol I was so naive to how shit works
One of MANY reasons why our healthcare system doesn't work for anyone but insurance companies.
Until 2019, it was mandatory federally. If you didn't have insurance at some point during the year, you would have to pay a fine. Health insurance is the worst in the US. Literally destroys people's lives.
Yep. This is why we need Medicare for All. Under MfA, *_every_* doctor and *_every_* hospital would be in *_everyone's_* network.
And none of that "preapproval" nonsense where you can't get treatment unless and until the bean counters at the insurance company decide to authorize it. (Medicare doesn't do that.)
And because Medicare would be the only insurance company (i.e., a "single payer"), it would be in a powerful position to dramatically lower medical costs. And administrative costs as well.
The amount of money wasted by insurance companies (which of course they pass on to patients) on superfluous admin is criminal.
@@Milescocause it's way better when it's government bureaucrats denying your care or waiting 6 months to a year to get you your cancer treatments.
As a healthcare provider, it’s irritating, beyond all words, when an insurance company tries to dictate what tx you’re supposed to be providing.
This is so important. More people need to hear this.
I love as he explains how things work, he has a slow realization how nonsensical it is.
That’s the bit
And this why critical thinking is vital. And yet in America, so absent from policy.
I love that they look very alike
Guess what happens if the patient doesn’t have insurance? The patient pays. Meaning Mr. big bad private surgeon sets the rates. So don’t blame insurance for you jackin up the price.
@@AG-yc7vt wait are you.... defending insurance companies?
Don’t forget the part where hospitals set unreasonable prices for everything to offset the discount demanded by insurance companies
Yes I saw that with my $52K bill from the hospital outpatient surgery center for basal cell surgery on my face under general anesthesia. Insurance paid about $2500.
Meanwhile in the UK the state owns all of the hospitals and pays all of the doctors directly. If I get ill… I go to get treated, get the help I need, and leave. Private treatment is available and it is cheaper thanks to the NHS being available for everyone from homeless people to billionaires and being used by 80% of the population. But when the system was created doctors didn’t want it because they said it would give the state too much control and the British medical association fiercely protested it so the minister for health at the time bribed them and said the famous quote… “I stuffed their mouths with gold”. Since 1948 when it was created as the worlds first fully universal and free at the point of delivery healthcare service people have always loved the principles on which it provides care to us, it’s just the lack of funding which we all hate.
This is the biggest problem with the US Healthcare system, IMO. Doctors don't work for their patients, they work for their patient's insurance.
If you’re diabetic with bad insurance it’s likely that the insurance company will only pay for a certain amount of insulin, even if it’s not enough. God bless American Healthcare
Yea I worked with a diabetic guy barely making minimum wage and his insurance company wouldn't pay for his insulin because they claimed he made too much money or something I don't know or understand the full details. I just know there were a few weeks he'd come to work without taking any insulin because he couldn't afford it and he literally looked like he'd drop dead at any moment while working, it was crazy.
@@joshualipsonhips4640 It literally kills you when you don't have insulin!
If you don't have Insulin your blood sugar rises until you die thanks to a hyperglycemic coma.
Treatment like that is insane!
He didn't just "look as if he might drop dead", he was rather close to _actually_ dropping dead.
I agree. I have a parent who is an endocrinologist and my cousin has diabetes. I remember my parent always coming home upset after dealing with an insurance company that refused to pay for the medication that they recommended. At the start of the pandemic, my parent gave higher doses of medication to their patients and told them to cut them in half because of the uncertainty of the next time they could get their medication. It really sucks to see this happening from an outside perspective and I wish I could do something to help.
Dude, even good insurance will actively try to screw you over as a diabetic.
@@fcasias7 Define "good insurance". I live in Germany and while it's not perfect and takes quite a chunk of the salaries so far I never had a problem with it. And I depend a lot on it due to epilepsy. Since over 10 years. While I don't die without medication it still makes sense to take it for obvious reasons.
While I don't have diabetes I know some who do and those don't have any problems with the insurance. But that's just anecdotical.
A special type of companies which are not aiming for the highest profit, but do compete, seems to be the way to go.
Ok quick breakdown for non Americans and Americans who don’t know. In America you pay for insurance, the more you pay the more hospitals you get access to in case of an emergency. But you also pay taxes, a lot of which go to the government for subsidies, which subsidies the healthcare industry. So for the ability to access the doctor without paying out of pocket, you not only pay a tax to the government that goes to the private healthcare sector, you also pay insurance which can be very limiting. But don’t worry, it gives us more freedom
Edit: Hospitals in America mainly charge so much for tax reasons as well. Say they lose $300 for a session of your treatment. They will charge your insurance company maybe $2000 for the treatment. The company knows this is bs and will only pay out the $300 or maybe a bit more. What they don’t pay the hospital can write down and report to the government as a loss and get reimbursed by the government. As well the rest of that initial bill is footed to you so they profit from subsidies you pay for with taxes, direct reimbursement from the government, and whatever your insurance won’t cover assuming you have a bad plan for the wrong procedure
And the kicker is, those taxes could easily fund most of the healthcare system if the healthcare system in America was structured remotely like other countries.
And we barely have a lower tax rate than Europeans but maybe three percent of the rights/benefits they have 🤣
@@Darth_InsidiousBut it would still mean government bureaucrats would be motivated to make the profits that healthcare CEO’s and shareholders make.
@@tybahza5643Since when was it legal to criticize a foreign government in Germany? Since when was it legal to burn a foreign flag in Denmark? Since when was it legal to have an abortion in Ireland without going through pages of bureaucracy?
@aycc-nbh7289 you don't think there are weeks of beauracracy in the states for an abortion?
Where is the right to sue your insurance provider in the states?
The right to easily participate in democracy?
The right to go to the hospital and receive treatment rather than to perish and not make your family inherit unplayable debt?
My mom has MS and is quite literally waiting to die because we can’t afford the treatments….thank you so much for constant awareness
They also tell doctors what medications to prescribe and the doctor has to go through steps of testing of course the cheapest, even if the doctor wants to go straight to the test that gives the most answers.
Insurance is a scam, they can just choose not to pay if they don’t want to, how is that not illegal
I don't know but it really should be. I don't even live in the US and I've had to deal with health insurance taking control of my health. I have a mole like thing on my leg that doctors warn could be cancerous. But insurance won't pay for the removal because it's "cosmetic". Yes Karen my cancer is cosmetic 🙂
1 word, greed
because wealthy people write the laws.
If that's true, then the fault most likely lies with the private health company for signing a shitty contract. I don't think there should be laws to restrict scamming potential. It's up to both sides to make sure they're not agreeing to one. If you do sign a contract (as long as you're under no external threat), then it should be your problem alone 🤷♂️. Don't blame the scammer for scamming an idiot, blame the idiot for not hiring a competent lawyer.
For the same reason a lot of shady shit that big corporations do isn't illegal - because they pay immense amounts of money to lobby the government and when said lobbyists retire they join the very government departments they were lobbying to begin with. In other words, the US is actually controlled by the very monopolies that its laws should have prevented forming in the first place (gotta love unchecked, unfettered capitalism).
My dad was a surgeon and had his own practice. I remember when managed health care became a thing. He lost so much control over his standard of care and ability to practice most effectively
From the early days of HMOs, I became convinced they are the work of the devil.
In the US, they sell only the amount of health you can pay
I’m blessed to have been born in Canada!!! ❤️❤️👍
American HC is like “Thanks for coming in today, sorry for the four hour wait. That’ll be 1000.95. So can you tell me what brought you in today?”
Don't answer that question! It's a trap! The receptionist just sits there typing up your bill as you go oh I've had a sore throat for 4 days now.
Yeah you gotta love the bill for just waiting in the ER...even if you don't get any actual treatment.
Get better insurance
@@kennethmasters9329 Not really feasible for a lot of people at the prices insurance companies charge, also, chances are you're still paying it. It's just over time so it is disguised to you.
I'm not American, so I really can't tell if you are joking or not
Absolute truth, and the fact that we have allowed insurance companies to run the medicine show makes me crazier than a long tailed cat in a room full of rocking chairs.
what the hell was that analogy
@@lowkeylokii4205
I think the phrase is "more nervous than a long-tailed cat in a room full of rocking chairs" but people kindof mess up the phrases sometimes either because they haven't heard them enough, or heard them wrong their whole lives lol
Really? And hospitals don't over charge
Got some bad news. It's not just medicine that is run by corporations in your country.
YES, and you know what adds insult to injury? All the people who blame health care costs on “the government.”
Our health care system should be socialized as the costs are ridiculous
There was a very good quote on another video, I can’t remember who posted it though, it went something like this
“The American healthcare system works fine, it’s just not designed to benefit the patient”
Definition of Insurance: a dishonest scheme; a fraud. See also: Scam.
Haha love this
Well, insurance is generally a good thing. Getting a good policy is an important part of financial planning. It’s just the healthcare system in America is totally fucked up.
Insurance technically is cool;
Statistically, one in a 100 people will break a leg this year. Me and other 99 guys will each put 1/100 of the medical expenses into a pool and whoever breaks a leg gets that money. Really good if organized well.
Also: since it’s required by law, it’s technically a tax.
@@creengton8594 except you don't get to choose and pay for the supplier.
Your employer does. He then sells it onto you in exchange for man hours.
Which means if they can sign things like co pay and minimum charges etc into the agreement the insurance company will offer it to them for less.
The one size fits all fight to the buttom approach is why American healthcare sucks.
Oh man, your ability to sum up these complex topics in really simple, yet funny and largely accurate snippets is Amazing! Sure everything is more complex, but I don't think I could describe it any more accurately in under 5 minutes, let alone 1! Keep it up!
In absolute agreement!
It's oversimplified for useful idiots. Consider yourself one of them.
@@sheet-son there is a different between uneducated and idiots, uneducated know they're stupid but want to learn, like him, idiots think they're smarter than everyone else who think they can understand more complex things than everyone else but they actually don't, like you, but alas you doesn't really said in your comment that you're also an idiot or not, so i might be wrong
@@sheet-son Who hurt you?
@@ferdinandb.s8975 you typed all that to say that he used the term idiot correctly. If you think you can convey any unbiased solid information on the healthcare system in a 60 second clip then sadly you are a useful idiot.
Funny this got recommended to me. I was just talking about how stupid “out of network” is when I pay for the insurance.
That's nuts. Glad I'm Canadian.
We need more doctors talking out and complaining about the system!
While I totally agree, what's gonna happen? The insurance companies will magically develop a conscience? Or will the lawmakers who are paid atrocious amounts of money by said insurance companies will do...what..? Fluff the pillows under the insurance ceos feet? Give them their choice of hookers with tiniest, softest hands for hand jobs?
@Alex first and foremost, healthcare in the USA is not the best, it is one of the worst, but it is the first in terms of costs.
Second, a medical school debt of 400,000 is really a lot, you probably won't spend more than 100,000 (usually 40-60,000).
The reason US healthcare is expensive is not that doctors get paid so much, (most of them don't) but that insurance companies want to make money (and no, an increase in the number of insurance companies would not drive prices down).
third, it is not true that more people die in the UK from poor health care, in fact life expectancy in the US is lower than in the UK.
(U can verify evrything with a quick google research)
It seems to me that your political outlook affects your idea of health care, the fact that the rich have access to the best care does not make health care good in the United States.
@Alessandro Zatelli holy shit please tell me where you were able to get a 12 year Doctorate/Doctorin Degree for 40,000 to 60,000 because I had no idea!! Lmfao gtfoh dumbass literally 1 year is 45 to 60 thousand a year so more like 500,000 in debt once in the medical practice field is more realistic, and go back to your google searches for more than a quick second and gain some real knowledge and insight and not just some bullshit article that merely fits your mediocre blurts of misinformation 🤣🤣🤣
You get them and then they get banned off twitter because they spoke out about the vaccine
@Alex Dude, what's the data for you to say that "USA healthcare is better"?
Longer waiting is nothing compared to being able to be cured no matter your financial history.
Free healthcare isn't socialist, is just common sense.
As being paid for a job isn't capitalist, is again, common sense.
I’m in the UK, it really scares me (and others) that our NHS (which we love dearly) is slowly being privatised. We see and hear how it can be in places like the US if you can’t afford it and it’s just mind blowing that adequate health care isn’t treated as a basic right for all, no matter if they have money, insurance or whatever. Yes we all automatically pay a small (you don’t even notice it) amount out of your wages each month towards it but even if you don’t work or have never worked you still have access to medical care without any costs or worry.
Right?? Conservatives are trying to do that in Canada too. Why?! You think you ain't gonna get sick or hurt ever?!
The politicians strip more and more out of the provincial healthcare budgets, and then when, SURPRISE, they start to struggle to meet everyone's needs, the politicians go, "Oh, dear, it's looks like there public healthcare system just can't actually handle things. What a shame. Perhaps we should let those who can afford it go to private doctors, you know, ease the burden on the public system some?" 😠😠😠
The Premier of Ontario gave the provincial system like $1.3 BILLION less than they had budgeted last year, ends up! DURING A PANDEMIC!!
What kind of a jerk even does that?!
The problem is that we have technologies that are so expensive to produce and administer that we would quickly bankrupt ourselves (as in, the global economy) if we covered every procedure that was optimal for the patient.
So someone has to decide who is treated and what they're treated with. Doctors are going to advocate for their patients to have the best, especially if the patient and dr are not paying. Someone has to advocate for the economic side. That's either a government, a hospital, or an ins. company
The problem isn't privatization, it's corruption (money bleeding out when companies "take profits"). I personally agree with publicized healthcare but I can understand how somewhere like Russia that would actually be way way way way way worse
@@seeker296
This is actually incorrect in that, our "administrative overhead" (read, insurance company and pharmaceutical company profits) now take huge amounts of money out.
If we went to a system where the government just paid for care, where we all paid for our medical care through our taxes, and pharmaceutical prices were capped, we could still get all our procedures, AND...
*we would actually all save money.*
Really.
The insurance and the pharma companies are gobbling up THAT MUCH MONEY.
We would also get better care.
We would not have to fight an insurance company to get care.
We could just go to the doctor. It would be free at the point of service, because it already came out of our taxes.
...People die every day because they can't afford treatment or medication.😠
@@seeker296
As for the argument that capping pharmaceutical prices will limit medical research money? Big pharma collectively spends more on advertising than on pharmaceutical research. The commercials the pharmaceutical industry puts out on the subject are...well...🙄
The Tories have run it down over the last 10 years. Covid probably saved the NHS.
In Australia if we need urgent hospital care it's immediate and there's no bill. If it's not urgent we may have to wait some months, sometimes more, but there's no bill. If we choose to pay for private health insurance we can and the federal government subsises it. Private hospitals may be quicker (but not better) and the private health insurance usually covers most of the cost. The system could be better but it covers most needs.
👍 An excellent and amazing video. We greatly value it. Thank you.
It’s also wild that taxpayer money is going to this insurance companies as well.
My brother had cancer and needed chemotherapy and 2 surgeries. He was sent to the hospital after diagnosis, went into surgery after a 90 minute wait, was placed on chemo after, had someone sent to drive him to and from his chemo sessions, had a follow up surgery after chemo, and is now cancer free. He paid a total of $35 for parking.
We live in Canada
Another story: My girlfriend's mom had COVID and was placed on life support for 3 days, needed a ventilator for weeks after, was given a private room, and ended up spending about 2 months in hospital. They paid nothing out of pocket
Canada is nice along with many other countries. I wish the US was like that. I have major back and neck pain. I just got done getting a shot in the neck for pain only for it not to work. We set another go to try a new location and insurance deined the request stating I need to do a bunch of things to which I was already doing. Anyways they fixed it and was approved.
My medication is another one thing that pisses me off. They give me 2 of them for 90 days and then the 3rd one is 30 days ( 4 1 gram pills ) and they will not fill it because it cost like 400 dollars for the month because its 120 pills worth. I have a bunch of stories as to how dealing with medical care and insurance. My Doctor and her staff are far better than my former doctor in getting things approved.
Horrible Communism, no free market in healthcare, you really need make Canada great again 🤦
@@kozmikmercu horrible right? 😂 We're all super upset that our mothers and brothers had access to care without needing to sell their homes
@@heeeydevon8262 wait a second, you already lose your homes and properties right, I mean is a communism system
@@kozmikmercu but... We don't. I have friends that work for ReMax who buy and sell homes, hell I own property and nothing was given to us or taken from us.
We have the option to choose what doctors we use, I can go to any walk in clinic I want, I can change my family doctor if I don't like them.
I think you have an skewed idea of what political system Canada uses.
Outside of the fact that there isn't any true _communist_ country that exists, we are nowhere close to countries that identify as "communist".
If we're talking _socialism_ , then Canada is more socialist than America, but only when it really comes to healthcare... I mean, how do you pay your teachers, firefighters, and police? You have a welfare system right? You have transit systems, public roads, public schools, and garbage workers, right? That's all paid for through taxes, they're SOCIALized programs (socialist programs)
This entire series is like a doctor who graduate top of his class in every fields except the bussiness part. 😂
This is a reminder to vote for politicians who fight health insurance companies. It's an election year and your vote has more power than you think
It's funny how things sound when you just say them out loud.
And this is why having a rare medical disease or condition sucks so much. Finding a doctor who knows how to treat you and is able to accept your insurance is like looking for the short piece of straw in a haystack.
I know I'm making a large assumption here..but since I'd assume your American. You were given the opportunity to have nationwide free healthcare a few years ago remember? I thought most of you thought it was a terrible idea and would "bankrupt" you even though multiple other countries have a universal free system payed for by everyone which all work just because they made access to healthcare a basic human right?
@@FuzzzehOG Obama didn't try to install single payer since he understood that the overhaul would destroy the American Healthcare system. And also, it's not free, stop claiming it is free because that's dishonest framing, because you pay for it in taxes, in fact in most places with single payer, like Canada, 25% of your taxes go into it, which considering their tax rate is outrageous.
And in the US Healthcare is a human right, because we have Medicare, medicaid, and emergency insurance which along with the main privatized system, which does have issues, but aren't nearly as bad as most other nation's(the spark notes version of the issue is that FDR prevented wages from rising leading to companies offering health insurance and to make their deals sweeter they colluded with hospitals to make their nominal prices outrageous to make the insurance seem better). Since the US's are due to regulation preventing competitive drug prices, while places like Canada's are due to them treating people like they're cars leading to surgeries, such as hip replacements, taking about 41 weeks to get done after diagnosis and scheduling, which can take another 10 weeks (and these are the generous numbers since scheduling can take up to 30 weeks) in a good year, with that number growing by 3x under covid.
@@nope929 your just wrong though in every way. As demonstrated by the multiple countries that transitioned away from health insurance, it was far fucking easier than regularly hauling large insurance companies to congress to give them a good old telling off...which results in 0 action.
Yes the healthcare is not necessarily free, I'll agree on that..but what I won't entertain is the idea that bankrupting entire families because of preventable diseases and big pharma saying they'll lose profits. Good! They should lose profits for being heartless money making machines that use people's misery solely to gain. That is the real reason the US didn't switch, it had nothing to do with the cost.
Just to point out. To have full medicare cover you spend around $150 a month. I live in the UK, my contribution is far...far less and I won't have to pay into this my entire life as once I retire I won't be earning to pay in any further but guess what...I'll still be covered for all range of medical issues until my dying day. This is because instead of allowing for profit organisations to have their say on a system which they put nothing into we force companies to adhere to sane pricing laws for the benefit of the British population, not investors pockets. They're also held to higher standards might I add.
Also using the point that paying for healthcare means you get surgery faster makes no sense, its damn obvious that if you pay for something that is usually free your generally gonna get served quicker. For all surgery there is a waiting list meaning whoever pays most gets served first..implying the system is broken and again serves only those most who can afford it.
And that's if you even have a diagnosis. If you don't, when you make an appointment and try to explain your uncommon symptoms there's a 90% chance the doctor or nurse practitioner will try to gaslight you into thinking it's not as bad as it is.
@@FuzzzehOG listen if you want to understand America, understand that there really isn't a most. Everything is divided in half. 50% believed what ever Trump and Fox News said, even if it was to their own detriment.
Lots of his supporters claiming they didn't want it, didn't realize they already had it because the assumed the official name was Obamacare.
I live in California more of a 65-35 split for "liberal stuff," like affordable health insurance and medical care and taxing Billionaires.
People don't agree, they don't want to meet in the middle, and "Don't Look Up." Is a clear summation of American insanity.
I just had a knee replaced & the it’s a great big game between the hospital/doctors & the insurance company. Hospitals/doctors charge high so the insurance company will pay an almost decent amount. My doctor did an excellent job on my knee & I feel like the insurance co. gave him the shaft.
This is why we need Medicare for All. Under MfA, *_every_* doctor and *_every_* hospital would be in *_everyone's_* network.
And none of that "preapproval" nonsense where you can't get treatment unless and until the insurance company decides to pay. (Medicare doesn't do that.)
And because Medicare would be the only insurance company (i.e., a "single payer"), it would be in a powerful position to dramatically lower medical costs. And administrative costs as well.
We should abolish the health insurance industry and send all the highest ranking employees of those companies to an island to star in a survivor style reality show for the rest of their lives.
Should send one of them after he’s contracted a severe, communicable disease.
You think a bunch of government bureaucrats would do better? The number of administrators in the medical system has risen about 3000% since passing the Affordable Care Act, aka Obamacare. If you wonder why health care costs rise much higher than the rate of inflation those high paid administrators are probably the reason.
@@jeptoungrit9000 yup, they are definitely the reason, totally not the insurance companies wanting more money and having an easy scapegoat.
@@CherryBotV2 You think there are many hospital administrators who make under 100k? I think there is a medical industrial complex in this country that includes the greedy insurance companies. I know a bit since I work for it.
send 👏 them 👏 to 👏 Antarctica 👏
The amount of times a specialist said I wasn’t in their network confused the crap out of me, as someone who lived in Toronto, Canada. American health care has given me so much anxiety, I am so glad I’m a dual citizen. Definitely leaving America when I’m older and need more health care. Living in the US is so overrated.
Idk man, tredeau is an asshole
*Living in the US, while not being rich is overrated.*
@@makoosh3448 Fortunately for them Canada is a pretty big place. If you don't want to run into the guy it'd be pretty easy.
Clever you are just away avoiding a Toad
That’s a great idea you should leave as soon as possible.
There is a part on Rich Dad Poor Dad where it says something like this: "an A student works for a C student". I get it, even doctors have to work for business owners. We need a massive Healthcare reform. I work in the health care industry and it's sad to see the lack of leverage we have as patients.
As somebody who's always been too poor to afford health insurance because my parents were shit and ive been self supporting since i was 14: ive almost died on no less than a dozen DIFFERENT occasions because hospitals will admit me for an issue, begin fixing said issue, then find out i have no insurance and go "OKAY youre all better you can go home now" only to come back in 24 hours later LITERALLY dying. People have no idea how much that law that the ER can't deny a patient is needed, because if they could theyd have let me die every single time because they know i cant pay. But they cant because that would be a crime.
The american healthcare system is the most successful mafia in the world.
For the people who complain about taxes for free healthcare, put it this way.
With taxes, you pay an amount of money towards a group every month/year in exchange for getting healthcare when you eventually need it.
With insurance, you pay an amount of money towards a group every month/year in exchange for getting healthcare when you eventually need it- if they decide you can get it.
Sometimes they say you don’t need it and you just get ripped off
ikr. Americans spend more money per capita in the world for healthcare, yet their health outcomes haven't been improving for several decades now?
I come from a small European country, which is by no means perfect, but at least there is no such thing as "copay" "in network" "deductible" or even "hospital bill". Yes we pay for it in taxes, but it't better than this...
Agreed and they charge you more as it's a profit driven business. Public Healthcare tax would likely be less or same as it would remove the profit margins. And you never have to worry about getting covered or not. In network out of network or overpaying or underpaying as all hospitals would need to agree to accept it. Government can negotiate prices and keep costs down eliminating profit factor. Government can pay doctors a fair fee. And adding free education system would eliminate the debt that doctors and specialists often have to combat for first few years of their lives keeping the entire system effectively fair.
AND you’re paying extra to cover the insurance companies salaries for deciding not to pay for your care
Why this man is not in movies yet? His expressions are worth millions of dollars 😂 Thanks doc for these shorts. ❤️
Agree 100% such an amazing actor
Because he's too busy being a doctor lmao
@@JustLostTheGame you got a good point
Then he'd be a celebrity and it would all go belly up from that point onwards. Keep it classy Dr Glauc and stay out of show business.
He's not in movies for the same reason movies like the death wish remake are about imaginary rape gangs instead of a dude using violence to get even with the insurance execs that rape our wallets every paycheck and still have the gall to deny lifesaving treatment.
It means he doesn't accept their insurance, not that the insurance company won't pay to let the patient see him. It means the insurance company won't let him charge three times the going rate for this type of procedure. The patient could still see him and pay the difference in most cases. There is now a law in many states that Doctors out of network can't "surprise" bill you when you go to an in-network facility for healthcare and are seen by a Dr. who is out-of network.
Thank U for this video. Great Comments from all over...keep this video going!!
That slowly dawning realisation of "yes, I do actually work for the insurance company..."
Makes the NZ health care look a lot less broken in comparison.
No system is as broken as our terrible system.
Yes it is horrible. I avoid doctors like the plague. Well except for the dentist and eye doctor since I wear contact lenses.
@@TD32333 yeah, the only ones that are worse are in broken impoverished countries where they just can't do much better with the resources they have....and hell, some of _Them_ are beating us. It's a barbaric disgrace.
Well do take care. These vampire companies don’t stop at anything. My country has mostly free healthcare but lo and behold they bribe their way into the system and now the corrupt govt has announced plans to shift the whole country’s health system to the oh so good American Health insurance company based model of health deliverance. Sadly our people are so blind to see it, no one is challenging it.
@@STMARTIN009 stop shoehorning in anti science in the comments.
This is 100% truth. The insurance companies decide the quality of your care, so be very careful when choosing your plan.
I’m a licensed therapist in private practice & am in-network w/ all major insurers. This video was spot on. It made me laugh but want to scream at the same time.
Insurance companies, not medical practitioners, have all the power in healthcare decision making & treatment. Until that power is taken out of the very rich insurance company’s hands & given back to the medical providers of care, our healthcare system will remain a mess.
We spend far more on healthcare than any other industrialized nation, & logically, that means we should be the healthiest country in the world. Not even close.🤦🏻♀️😡
Denying medical attention should be a crime
I pray that one day the American Healthcare system will be fixed along with other major problems like education
It's not broken, it's working as designed.
That's the problem. Can't fix something that's not broken. It needs to be replaced. That applies to medicine and education and probably a bunch of other things.
@@RutabegaNG i feel like a lot of the major issues the US faces is like a massive tangled knot of wires that are impossible to work through. it feels like voting alone often isnt enough to incite any reasonable change
That would require a libertarian or further right individual to be in office, as well as the majority of the entertainment industry and largest corporations in the U.S. to also be owned by people of the same beliefs that want a free market both in ideas/beliefs and in their economic system. All of which will NEVER happen again.
*HEALTHCARE IS A RIGHT*
funny but I can’t find it in the constitution anywhere. The founders must have left that one out.
What I do find is the 2A.
And yet I never hear leftists clamoring that gun ownership is a right and that other tax payers have to buy me any.
Yah, I don’t hear that about bibles or laptops either.
It’s only their sacred cow they clamor about.
How bizarre…
@@geeksofthegalaxy you really think someone who is further right is going to fix the healthcare system? they are the ones keeping it broken because the insurance companies are funding them.
This is precisely why providers (doctors) are banding together to negotiate with or cut out insurance companies. It’s also why hospital systems are merging and why insurers like Optum (United Healthcare) are flat out buying up and hiring providers. It’s a battle to determine which healthcare services are rendered for an acceptable cost. And all at the expense of patients.
Happens during the switch to the new year EVERY TIME.
Happy New Year! 🥳🥳🙌🎉🍾🎊
Healthcare in the US is nutts! I am a healthcare worker in Tijuana Mexico and I am shocked of how little the healthcare system in the US cares about their patients because of insurances, when a patient from the US tells me they are predeabetic I already asume he is actualy diabetic and terribly managed, just last month we had a man in his early 60's who said he wa prediabetic and took metformin for it and I was not surprised at all when I check his labs and we see he is already in kidney failure because of unmanaged diabetes
Yup. That's 100% true. I worked in medical care for 40 years. It's tough not being able to treat the patients without the insurance company interference. 😪
I’ve always said that to my patients. We don’t run the show, the insurance company does. Broken healthcare system. Always about the money. 💰💵💸
Thats why i say to everyone with permanent health problems to come here to germany. We welcome everyone willing to work and integrate. Our country is not perfekt by far but ive got several surgerys and never saw a bill for them. Well ok once because i ordered a pizza. And thats all.
drive.google.com/file/d/1l_T2wNTYr3P1TvB4CyeHXLesJW9t51Pr/view?usp=sharing
We're paying more to get worse outcomes, patients and practitioners hate the system and yet so many people bristle at the thought of adopting ideas from systems that work. Only in America.
@@MrDekuchan how do I move there sincerely I have chronic health issues and I need a masters in psychology or social work but then I am good to go as a mental health professional i am also married we are pretty poor I am willing to work through school remotely i just need to get out of the USA it's getting scary here with all the facism looming in the air.
As a working class Scot I feel sorry for ordinary people who do not get looked after. It's so stupid because having a healthy vibrant population should be seen as common wealth. That is a form of wealth. It's an investment on your
So doctors are basically contractors for the insurance companies, and the insurance are essentially medical practicioners because they make decisions on whether their customers get medical care
Private pay is an option, crybaby
@@ngf5077 also health insurance is mandatory
I typed in “Health insurance companies have blood on their hands” and this was the first video that popped up.
I had a baby at an in network hospital but somehow had an anesthesiologist that was out of network. I didn’t even know that was possible until I got the full bill and charged twice
Ahh i love canada in moments like this
I’ll never forget being on a bed in the middle of the procedure at UConn, and the admin walked in all upset because she didn’t think I had insurance. I was so embarrassed! Heathcare is such a nightmare.
I’ve only seen these scenarios on comedy sketches that’s crazy.
Yeah no UConn is a joke in all aspects of medical......... They literally allow students to diagnose and see real patients 😬
This guy could single handedly take down the entire system, through laughter.
I could also do that through laughter and to be more specific man'slaughter
*Laughs in free healthcare*
My doctor is under contract with a local hospital. They process the claims. So the hospital is working in tandem with the insurance company.
My partner was prescribed a new medication that, without insurance, would be $500 every month. The insurance company had to decide whether or not they were going to pay for it, even though he pays for the insurance coverage. It’s ridiculous that insurance companies get to decide what medications people are allowed to take after their doctor has already prescribed the medication.
Work in Healthcare and this frustrates us all the time. I deal with cancer pts and sometimes we have to delay scans and treatments because insurance companies sometimes take forever to approve a scan or they require a peer to peer consultation. Very frustrating
😒😩 that's an absolute disgrace and those insurance company's should be barred from practicing,but unlikely to ever happen as wherever there is big money there is big corruption and no doubt in my mind political parties are getting their wallets fattened to keep it the way it is 🤔
HOW CAN YOU AVOID THINGS LIKE THIS FOR FUTURE GENERATIONS WANTING TO KNOW WHAT TO LOOK OUT FOR
My uncle had soft tissue sarcoma and his temperate went through the roof and he passed out and stopped breathing a few times and had to be brought back. Insurance didn’t cover the hospital bill because they said it had nothing to do with his cancer. He unfortunately passed away last month
Sounds like dealing with the va. 6 months to review treatment just for that treatment to be ineffective after approval
Doing cancer treatments right now and insurance is one of the biggest stressors rn.