I Hate Insurance Companies (Philosophical MWR Commentary)
HTML-код
- Опубликовано: 8 сен 2024
- Toxic Masculinity: • Toxic Masculinity (Men...
I really do hate insurance companies. Doesn't it seem like we pay them to work against us a find reasons not to cover anything? I've had almost no positive experiences and I also believe the profit motive in the health insurance industry hurts American healthcare overall. Lots of opinions and personal stories in this video today.
Second Channel: / drift0rplays
Twitter: / drift0r
I only use ASTRO Headsets. This link gives you 5% off in checkout: bit.ly/1NIzdQi
Drift0r Scuf Controller: scufgaming.com/...
Use coupon code "DRFT" for 5% off!
Drift0r Hoodies & Shirts: www.coregamewea...
My gaming Router is the Netduma R1: www.netduma.com/
Use code "DRFT" for $10 off!
All console gameplay captured with Elgato HD60 Pro: e.lga.to/Drifto...
![ARGENTINA vs. CHILE [3-0] | RESUMEN | ELIMINATORIAS SUDAMERICANAS | FECHA 7](http://i.ytimg.com/vi/De3AWmXzhuA/mqdefault.jpg)
I'm still subscribed to Driftor (I don't play cod anymore) because of these videos
I wish he would do more of these videos.
I'm in the same boat
Yup me too I don't play any of the games on his channel these days but I'm chill w/ that
The Ultraempoleon same for me!
The Ultraempoleon same here
So 15 minutes couldn't save you 15% or more on car insurance by switching to Geico?
ScarHydreigon87 nope
You are the legend27
Lol
Drift0r I honestly LOVE your more philosophical gameplay commentaries; I enjoy some call of duty gameplay while listening to some interesting topic in the real world, aside from gaming itself. It's different and refreshing and I love that. Keep it up!! Long time fan (2+ years) from California :)
That's pretty ridiculous. I'm poor as hell and we usually get most of our stuff covered by insurance. My friend has cystic fibrosis and he gets pills that totally replace all of his treatments and they cost like $20,000 a month, but the insurance company covers it despite his family being pretty poor. Paying more should get you more, not less.
Sry for the necro. But if I can pay into a system that helps people like your cousin and the company actually PAYS for it, I'm more than happy to do so.
This is why i am happy i did join the military.... I dont have to pay for shitty health care i get the shitty health care for free.
Spc Garza haha, love it!
Spc Garza The VA does its best most people do care that work there. There are issues yes, but that is mostly related to rules and regulations that the workers must follow.
Jack Meow Yeah i know but it still sucks. I go in try to get something fix they five me an appointment for 2 3 months later
I wish you the best, Spc Garza.
This is one of the reasons why I'm thankful to be a Canadian. Never really appreciate what I have until I hear how other people have it. Really wish it wasn't like this for you Drift, it's a shame...
This is what terrifies me to hell... I honestly hate the system and I'm still on my parents for another few months... never had a job anything remotely above min. wage... how the hell am I gonna afford insurance if I can't find work that pays me enough to pay rent & insurance pretty much.
I'm still in high school man (junior) ... I don't wanna get student loans for college soon
Thatlazykid going to college is the single most profitable career choice you can make. I would recommend dealing with the loans and looking for scholarships
College doesn't even guarantee a job by the time you graduate. If you really did want the best, and more profitable career choice possible, you'd look into going to a Trade School.
SkateWeird that's true I forgot about trade schools. They're a really good option if you don't want to go through the hassle of getting a degree
you get a job where your employer provides health coverage. i pay 100$/month for the same plan driftor has b\c i get it thru my employer. and trust me....its not bad like he says it is. i constantly get told by medical ppl when i go into a facility that i have excellent health coverage and that i should be thankful i have such good coverage
When you basically pay money to employ people to argue against your case xD
My 5 year old son has Cerebral Palsy, eating disorders, and other issues. Over the summer, he was diagnosed with Leukemia. I can't even begin to tell you about the nightmares I've had with insurance. It's amazing, and an act of God, that I haven't lost my house.
This sounds like very USA specific issues. USA needs legislation that protects consumers and institutions to enforce it. The notion that competition alone will benefit the consumer is naive.
GoofyChristoffer high insurance costs are caused by more regulation under Obamacare
Sam Somewhat, yes, but if you actually got what you paid for, instead of the insurance companies trying to weasel out of anything, the actual value for money would be higher.
It doesn't matter what you say in this video Driftor. If you're talking about hating insurance companies, I'm with you.
This is why universal healthcare is a MUST in the United States. I live in Canada, and a lot of us shake our heads at the for-profit nature of American healthcare. It's completely possible to have both private options (health insurance) for those that can afford it, and public options (single-payer) for most individuals that are unable to afford thousands every year for world-class healthcare.
Stories like this make me appreciate the NHS even more.
"Not everyone's gonna die" -drift0r 2017
Drift0r is like your dad who helps you with problems and teaches you life lessons while being chill
I'm an Economics major and bear in mind that on a weekly basis I have to crunch numbers and examine how money flows from one entity to another and you start to notice that the United States is one big insurance company it's super sad.
come to canada. I'm 18, I pay 45$ a month for car insurance and health insurance. healthcare is free (well it's more or less payed by taxes). and the best about it is that my insurance is great! I get 1 free tow every years if needed. not only is my hospital bill has a 0 on it, but if I get hurt, I actually get paid.
if this is how you deal with anger , I'm happy you do it this way , because I love these kind of videos
In BC Canada we have something called MSPs Medical Services Premium where we pay $900 (it's being halved then eliminated) for the year and we get all our necessary healthcare paid for
an international student living in UK. I paid 200 pounds for 4 years of NHS insurance. it covers so much even medicine that costs more than 100 pounds all cost flat fee... like 10 pounds....US can learn from UK and NHS
I really enjoy this content you put out with MWR in the background. It is fun to watch and listen. Feels like watching your BO2 or AW gameplay videos. Hope you can post some IW content soon with the contracts and weapons they are throwing out
As someone that use to work in claims they really could care less about their consumers, like driftor mention they will find any reason too not pay even if it's bs. And from me experience from that job all the ppl that don't want socialized healthcare just wait until you really have go to the hospital and see how huge that bill and terrible the service will be.
I really enjoy videos like this. Making ppl aware of real life issues. Glad you're willing to post something that won't be understood by most of your audience.
At my job, on top of being the IT guy, is I am the billing manager for home health. So I deal with insurance companies on a daily basis. And I LOATH talking to insurance companies. As much as they find ways to screw customers over, they find just as many ways to screw providers over. Just 1 claim, I filed my 5th appeal to get paid, this morning, because they keep coming up with reasons not to pay that aren't even a thing.
Therein lies the problem: insurance companies prefer large groups that pay their bills, so the government & larger companies have the greatest policies. The biggest factors that affect insurance profits is credit rating, changing insurance companies, false claims, fraud. Largest of these? Payment. If they can be assured payment by you, then you're a much more predictable asset than those in smaller pools who may not pay their premium. In large companies, that risk is hedged, allowing them less risk.
Driftor I don't even play video games but I always listen to your philosophical commentaries and love them!
Using insurance to pay for average or expected costs like regular doctor visits and prescriptions is the primary reason insurance and health care are so expensive. You're not shopping for the cheapest, most efficient, highest quality at the lowest price when you hand off the cost to the insurance company and ignore the myriad of adding up costs until they all come back in the form of the insurance bill. There is a reason doctors are now starting to only take cash only for the routine services they provide rather than insurance, because they've found that they can cut out so many of the inefficiency costs that dealing with insurance and lack of shopping for the materials they need produces.
Before Obamacare, my wife had a policy that was $130/month w/ a $2500 deductible, then it was 100% covered.That plan is now "illegal". My insurance used to be $200 for a $1000 deductible now I pay $450 for $1500 and higher co-pays. Thanks Obummer.
I don't play cod. I don't watch any other cod youtubers anymore. I stay subscribed for this kind of thing. If you're tired driftor you have people who like you without the gun reviews.
insurance companies essentially exist to try and get as much money from you as they can while trying as hard as they can to not cover anything so they don't have to pay out any money.
Reasons to subscribe to drift0r
-in depth
-philisophical commentary
Once again, love these types of videos. I don't even play CoD anymore, but these keep me coming back
The fact that politicians (and I'm assuming many people) in the US see government paid, free healthcare for all citizens as a bad thing boggles my mind.. it's 2017, why are the people of one of the most developed countries still paying ridiculous amounts of money for what should be a humanitarian right?
The Government and Health insurance companies dont make as much money. America is fueled by greed, power, and shitting on everyone else.
I think the whole word is fueled by greed and power...
No matter where you look.
At least here in Brazil we have some Consumer's Rights that know the vunerability of a consumer in face of a company. For that reason, some legal clauses are invalid because it couldnt even exist. It restrains some sort of the legalist issues you have with some contracts.
Because it'll raise the taxes on everything and everyone, even the poor who can't afford to live without government assistance.
thats ypur problem right there. its not a right. humans have aleays need food and water to sustain themselves, thats how they live. but medical help has only been around for a few hundred years. Medical treatment has not just magically come about. it was created through reaserch by someone who is educated. all that costs money, ans a ton of it. to say its a human righr is just flat wrong. but to make it affordable is the right thing to do. its moral. but to call it a right just makes you sound illogical. how would it be paid for? and how would the advancements be paid for? those who spend their lively hoods developing new ways to fight bacteria, how would they affored food and water. it cant be free and shouldnt be free. also just sp ypu guys know the average annual premium for a health insurance before obamacare was 3500 now its almost double. it was actually MORE affordable in a competitive environment before the government touched it. also the people who set the price for a ton if medical products was the government back in the late 40s (a democrat govt too). it seems to me that we shouldnt be asking the same shitty person to try and do the exact same shitty job.
I'm going against some insurance issues as well. Fully agree insurance company's are a HUGE pain to deal with.
Hey driftor this video was super interesting because I work in the insurance industry. However I am a public adjuster meaning I work for you to help with your claims. I don't do auto or life insurance but we specialize in home and contents. Especially living in Dallas (our office is in Austin but we do work all over texas) it would be beneficial on your next home claim (whether it be hail, fire, or water loss) to contact a public adjuster to help expedite and maximize your claim. This isn't a pitch but more of a public service announcement to let you know that there are people out there who can help. If you want to know more feel free to PM me and I'll answer any questions you have
Citizen of the US: "Can i get affordable education to better my future and healthcare to protect myself from dying a painful death?"
The US: "Well, our leaders can take tax money to cover everything, but why would we give that money to the CITIZENS?".
Citizen of the US: "Well, can I smoke at 18 and go fight in the war before going into debt as a student who has no insurance?"
The US: "OH WE ENCOURAGE THAT!"
Health care systems such as medicine should not be commoditized. There should not be a profit motive for hospitals(in fact, the US is one of the only major countries to have such a thing) and insurance should not be so counter-intuitive that it is in their best interests to not help you. Full stop.
The only answer is to remove profit from healthcare. That's it. It's only way. As long as greed impacts the way we treat healthcare we'll always end up in the situations you've described.
Colonel Forbin people do a service for you by providing health care, do they not deserve to make a living or what?
They do deserve to be compensated. Removing profit from the health system does not preclude people from making a living in that system. Do people not take home a paycheck from providers whom draw from Medicaid and Medicare? Drift0r very correctly points out that those systems already in place far outpace private alternatives. Medicare for all is the only answer. Just look to Canada and the UK for successful examples.
I work in agency on the property & casualty side of things (So auto and home basically), and it's hard trying to advocate for the stuff that the company we work for sometimes. From the little things like rate hikes that the company takes to one claim making your rates go up, or worse, it's really disheartening. It's hard to stand behind a product you don't believe in.
My Mother's work just so happens to have the best benefits you can think of (she works for Charter Communications), it includes family dental and health insurance, and almost every single cable/premium service. We also get the fastest internet speeds they can provide for free. Watching this video made me realize how fortunate I am to have a good health insurance plan.
If you want an answer on how to lower health care and insurance costs, get government out of health care and insurance. Any time government puts taxpayer dollars into something like say college, it gets more and more expensive. This is an observable trend over the past twenty years. IMO Government should do as the founders intended and protect it's citizens and their rights, and leave businesses alone to do their own thing.
"You have the power to heal people. You are evil."
Am I SCP-49 or the US health care system
Here in Brazil we have the SUS, is a healthcare system that cover everyone but just is good enough in places that are industrialized enough to have these clinics and aren't overpopulated.
It sounds like the USA doesn't have enough regulations to protect customers to make sure their insurance works for them, it's not as big of a problem in Canada but some provinces are still working on fixing problems such as that in Ontario domestice disputes resulting in property damage such as what happened in 2014 where after his wife asked for a divorce the man burned down their house at least as of right now as it was a joint plan the house insurance company will not pay for the damages that would normally be covered. This isn't the case in a few other provinces which have rules protecting victims of domestic abuse in relation to insurance problems.
Yup, about 340 billion goes to waste in health care fraud every year
Watching these philosophical videos drunk makes them a whole lot more interesting
As a Canadian I find it hard to understand how the healthcare/health insurance can be so bad for you guys. I've literally never had to worry about this stuff in my whole life.
For me it´s really mind blowing to hear about all of this crazy problems with insurances (especially health insurance), because I´m from Germany and here the whole health care system is completely different. I have never experienced these kind of problems and I am truly glad that we have a different approach to health care in Germany, so that I don´t have to worry about health insurance.
The type of insurance your Grandmother has is called Long Term Care (LTC for short) and it's not really sold because it's generally not profitable, and (more or less) a bad purchase as your family has had to experience. As someone who works for an insurance company, I can't help but wonder what would happen if they were run as a non-profit instead of a for-profit...
Driftor you're absolutely right.
I know a 70 year old man that has worked at my gas station for over 20 years to keep insurance for his diabetes and everything associated with that.
I work in healthcare. You always want to get Long Term Care insurance. it's specifically for when you have to put someone in a nursing home. I've seen it save so many people from bad bad situations.
Some politicians say choosing a doctor or hospital or insurance according to one's free will is his/her freedom,
but I think when they are affordable, then it can be their freedom.
When driftor expresses his opinions, they're valued and seen as opinions. When I do it, it's considered bitching and complaining. That's my rant lol
The solution is, work for the state or government be a drone for 15ish years and retire with a pension and crazy good benefits.
im a agent. the biggest problem is no one explained his coverage befor the purchase. i hate this part of my industry
The issues you describe are American problems. Universal health care in Canada may be slow and suck at times but I don't need to deal with crap like this.
My family recently switched to health insurance covered in Mexico because the insurance my dad was getting through his job was going to have a massive increase in rates per family member. Can't say I've had an issue there, things are relatively cheap as well as the Mexican peso is devalued so much against the US dollar.
Dift0r, i live in Washington state and I literally agree with every point you make with your philosophical talks !!! Don't ever stop them, these are so good!!! Keep up the good work brother
I just graduated a year ago and started working as a Civil Engineer and I’m super glad that my company has really good health insurance. That’s one of the main reasons I push petiole to go to college and get a good job in a good company. The benefits are worth it
I am an actuary... you pay those prices based on the calculations actuaries make on past data to determine the possibility of an outcome occurring. If the possibility is high like under 25 year old people in a car accident then you pay more. If the possibility is low then you pay a lower amount like people over the age of 25 have a smaller chance of having an accident and so they pay less.
Watching this, I'm very happy i live in the netherlands. You can go to the general practitioner as much as you want, you always pay 60€ a month with no additional costs for surgeries and stuff.
Now imagine the government forcing you to purchase these garbage insurances. The rates subsequently skyrocketing,and the policies worsening.
MOVE EAST TO ARKANSAS... I PAY AROUND $150 A MONTH FOR INSURANCE...FORT SMITH IS CHEAPEST PLACE TO LIVE IN AMERICA
i just googled arkansas election results and 60% voted for trump.I thought that was an important thing to let people know about moving there.
Hopefully not, because those hillbillys would ruin canada.
KeyEfSea OG most people voted for trump
Actually he had less votes than hillary, but due to the broken election system he won.
KeyEfSea OG no way, he lives in a state where the majority of people support the man who got elected? Who would've thought?
universal health care anyone ......works great in Canada and Pretty much all of Europe ......just saying
As somebody that has had to fight tooth and nail for insurance to cover stuff that doctors have said "she has to be on this medication, she is allergic to every other medication that you cover" the insurance companies have still denied me. At least it is better than the death centers called the VA.
on that note Veterans dont get near the care they deserve for their service
100% agree. My dad has been battling cancer and only has had them for care, it's been a LONG road to say the least.
Brad I 100% know what you are talking about. I have 3 jobs, and one of them is just because I get Health Coverage at part time (20 hours a week)... I have 2 jobs to get money from, and another job just so I can pay for health insurance basically... Its ridiculous.
Enjay Plays Lots of people in this boat with you
That's why i am so grateful for NHS, because from my experience i have received top tier care. Yes it has problems but i as a patient have not experienced them. The situation with lack of funding will always exist because elements in the NHS will want larger funds so they can personally benefit from.
Save your receipts, document everything, take photos. Read your policies. Don't assume coverage until you've verified it.
It seems so crazy to me that you have to pay so much for health insurance! Here in New Zealand we have universal healthcare coupled with health insurance if you need to cover more specialty incidents or you just want to fast track your treatment. I was diagnosed with cancer about five years ago and I literally had all my scans, tests, surgeries, chemo treatments and radiotherapy treatments completely covered. Do you know how much it cost my family to get me treated? $0. We even got fuel, parking and food vouchers!
Now I know what people are going to bring up. Tax. How much do I pay right now? 17.5% max with an effective tax rate between 10.5% and 15.5%. Do you know what the highest tax rate is in New Zealand? 33% if you earn over $70,000 with the effective tax rate coming out between 20% and 33%.
I pay about $600 in tax through my salary every month and that covers everything. The whole lot. Not just healthcare. If I was to look at Driftor's health insurance costs in the NZD currency, that would be about $935. I can't even fathom paying that much.
Vehicle insurance is a nightmare. They want to know everything you're going to be using the vehicle for, are you only using your car for work only, or socially, are you going on holiday with it? What job do you have? Are you going to have another job soon? For gods sake I just wanna ride my motorbike. I'm not sure what I'm gonna be using it for. Then after paying they start asking questions and find out I'm using it socially too? Well you gotta pay another £50 for that.
Any update on your house break-in?
America is one of the most economically developed countries in the world and it's doesn't have national health insurance, pathetic! Even though in the U.K. the NHS has a lot of problems, at least people won't die because they're not rich enough to afford treatment!
I've simply stopped going to the doctor at this point from fear of my insurance not covering it.
Literally in love with your philosophical commentaries, this one gets me thinking about my future. I think I'm in your match in the beginning too which is even better!
I always feel like the whole "Obamacare" situation started with some enlightened individuals in the US looking at the UK and thinking "we're a well-off, developed country, we can do that too" but then having to feebly trudge their way through the ridiculous hyper-capitalist "profit above all else" horseshit that Drift0r has been ranting about in this video.
Get insured by Trust Insurance from Cyprus, their slogan is "In trust, We trust"
Now do a video about pharmaceutical companies and their nonsensical inflation rate. Quality content as usual drift!
Last resort you could move to Canada, everyone gets the same insurance and depending on how much you make determines how much you pay. At most you'll pay 69$ a month that covers mostly everything except meds, chiropractic and dental.
I'm glad I live in Canada. Seems like health insurance / the US system is completely broken.
It’s beyond broken
I remember the hailstorm in Carrollton it damaged my roof and window the insurance actually came threw and covered everything
This video makes me so happy I live in England when I hear stories like this
All this is so true. Same thing happened to me with medical. Even with motor insurance I've been screwed over for something that wasn't even my fault.
I like how an insurance ad played during this video for me 😂😂
im so happy i live in Sweden rn. Best healthcare in the world.
So true, insurance companies are lose lose scenarios
Personally, I'm with Rand Paul on this insurance issue. If you would put Health Insurance in the free market, competition would take shape and rates would go down. But of course, the government has to have their hand in it and ruin it.
Cupacake9797 What happens when collaboration overrides competition?
Bilbo T Baggins super important point.
This literally *always* happens !!!
They always collaborate to raise prices across the board.
Competition only drives prices down on paper but in the real world the prices always go up no matter what because profit>all
Brett i feel like this would make the issue worse. yeah, the rates might go down, but on the other side there would be mire of an amphesis by the companies to not pay what they are supposed to, which might lead to a better situation for the healthy but a far worse one for the ones who need healthcare badly.
These philosophical vids are great cause it seems like you really know what your talking about
I hear you Driftor. Let me tell you my situation. I have a hernia and my insurance doesn't cover the surgery cause it's not life threatening. So I've lived in severe pain for months cause I can't afford the operation out of pocket
Nice video Drift0r.
I wonder if you'll do a, should I say, follow up to this video and do one why other countries have universal healthcare systems but America does not and if there can be a way that the US can take notes from their allies and neighbors to see if they can come up with a system where EVERYONE is covered and insurance would be a RIGHT TO ALL, not a PRIVILEGE TO A FEW.
Keep up the awesome work!
At around 12 minutes in this video, that is very true if you live off the government or get a minor amount of assistance you get a better health coverage, versus being a working citizen where you get poor coverage, our system is very wrong and corrupt in my opinion!
Please don't ever think that you're "getting" anything when paying for insurance. You pay to be protected and to avoid financial devastation. It's called transference of risk. Most of us could never pay (out of pocket) of what the typical auto/health claim cost therefore we pay the insurance company to take on the risk. In regards to gambling, I'd probably look up , "the law of large numbers" principal. That's a better explanation of what you're talking about. ✌🏻
hey driftor nice video, am a collage student working as a pharm-tech an i see some of the things u talked about like all the time.
Yeah I'm pretty much terrified to go to the hospital for the exact reasons you just listed. I think the last time I went to the hospital or saw a doctor was back when I was still a teenager and covered by my parents health care. I haven't seen a doctor or been to the hospital in probably 7-8 years now lol and unless I legit break a bone or I might be legit dying I don't plan on it/rather take my chances.
I have the gold plan with Blue Cross Blue Shield through my employer. I've never had a single issue with them not covering something I needed. And trust me, I have to use my insurance way more often the average person does. They've never not covered a procedure, never not covered a medication, never not covered a hospital visit/stay, never refused to reimburse me for out-of-pocket spending. I've just plain never had a single problem with them. In fact.....almost every time I go into a medical facility, they tell me that I have excellent health coverage and that I should be very thankful for that. So im sorry you've had issues Drift0r, but I never have with them. I do have my problems with health insurance companies in general though. Oh trust me I do lol
Same! I tore my ACL and i had to go in for prehab (rehab before surgery) and after a new year starts you are supposed to get a new cycle of 21 rehab appointments, but they counted the first 6 i had to do before surgery. Ughhh
I remember health insurance was a huge reason for the plot in the Saw series.
Honestly insurance seems just like a loan but that you might not get any value out of. You're paying for that once ever few years incident (aside from very tiny incidents) that might not even get covered because insurance companies determine whether or not they want to increase your premiums, even if you rarely use their services.
That's terrible mate. I just wish that you can work this things out, discover a better ensurance, etc and get the peace you deserve. I really wish you well mate, nobody deserve to pass that.
In Holland I only pay 100€- 120$ per month on health insurance and I am covered for pretty much anything. Thereby, the government gives me 89€ per month to pay this insurance :).
man I got hit by a car a little over a year ago (I was on my bike). luckily I wasn't hurt much (I looked really bad after getting hit but no internal bleeding/breakages) however my bike was shredded. The police report said that the person ran the red light and hit me. So it was all their fault and their car insurance has to cover my medical and bike bills. well at first they told me they wouldn't pay for anything because the person who hit me claimed I was j-walking and therefore broke the law, making me the cause of the accident. Since they told me to send in the police report prior to this, it infuriated me knowing that they had the police report saying otherwise, but didn't consult it before not paying out. I told them about that and they apologized and payed me the money i spent in hospital/doctor fees and a new bicycle.... about 6 months after the incident fighting me the whole time. Since I wasn't harmed much I didn't sue and the payout wasn't that large in the scope of things, yet I probably wasted more money (by not working, hourly job) than I got from their final check. I felt like I was dealing with a legalized scam artist, and this was one of the major car companies we see on TV (not gonna say their company tho)
I have a buddy who lost his house in a wild fire. Insurance didnt cut him a check until a year later and it was nearly half of what he was expected to get. Insurance companies are scum.