Healthcare | The Complete Moderate's Guide

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  • Опубликовано: 25 мар 2025
  • American healthcare is like no other on Earth - needlessly complicated, expensive, and ready for reform.
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Комментарии • 5 тыс.

  • @KnowingBetter
    @KnowingBetter  5 лет назад +2829

    In the interest of being a Moderate's Guide and covering bOtH SiDeS - the Republicans want to keep things the way they are... maybe even privatize them more.

    • @fionafiona1146
      @fionafiona1146 5 лет назад +259

      Germany established their universal Healthcare system in the 1880s.

    • @aturchomicz821
      @aturchomicz821 5 лет назад +17

      @@fionafiona1146 well well well.... wheres the hook?

    • @seanchambers5381
      @seanchambers5381 5 лет назад +168

      Like the somewhat unbiased look at this, I’m a die hard republican but I enjoy when people put out sensible arguments and don’t just say “no you’re a nazi for not wanting universal healthcare”

    • @matth8924
      @matth8924 5 лет назад +323

      @@seanchambers5381 your not a nazi for being a republican lol. However if you watch this entire video and still think that our system is working properly your fucking out of your mind. Just wait until you have to go to the hospital, then you will fucking understand. Everybody thinks our system works properly until it is there turn to have a major illness or accident.

    • @bumblebee9764
      @bumblebee9764 5 лет назад +16

      @@aturchomicz821 there isnt rly one Oo its just way better then the us shit

  • @chubbyemu
    @chubbyemu 5 лет назад +6430

    ☝️presenting to the emergency room☝️

    • @cxphers8328
      @cxphers8328 5 лет назад +195

      What happened to their brain?

    • @erick101ish
      @erick101ish 5 лет назад +139

      My two favorite channels 🙌🏼🙌🏼

    • @maddog7795
      @maddog7795 5 лет назад +25

      get off RUclips and get back into the E.R hahhaha

    • @motivationalmadness10
      @motivationalmadness10 5 лет назад +51

      It's amazing seeing you grow from making Nuclear Throne vids, to now being parodied! That must feel awesome.

    • @PeterHamiltonz
      @PeterHamiltonz 5 лет назад +9

      😁

  • @farhan00
    @farhan00 5 лет назад +1857

    "Just leave me here to die, I don't have health insurance"
    - My brother's friend after a severe head injury -- its funny in retrospect, but pretty tragic to say

    • @pauly260
      @pauly260 5 лет назад +361

      SomeGuy i knew a guy who operated on his own leg (numbed & anesthetized the area, cut it open with an Xacto blade, pulled a rusty metal splinter out and restitched the area) because the hospital would have decimated him financially. This is the ONLY COUNTRY this crap happens in.

    • @PandemoniumMeltDown
      @PandemoniumMeltDown 5 лет назад +165

      @@pauly260 I'm pretty sure your comment is anti patriotic, borderline socialist terroristical. How dare you! God bless you, you'll need it.

    • @enricobianchi4499
      @enricobianchi4499 5 лет назад +59

      @@PandemoniumMeltDown You know that in most of the rest of the first world countries healthcare is almost free right?

    • @jeskler
      @jeskler 5 лет назад +158

      @@enricobianchi4499 I'm pretty sure he was being satirical.

    • @enricobianchi4499
      @enricobianchi4499 5 лет назад +127

      @@jeskler In hindsight, I'm an idiot. You're right.

  • @RhizometricReality
    @RhizometricReality 5 лет назад +1009

    Why is this healthcare system a dungeons and dragons game

    • @WizbizMcBrix
      @WizbizMcBrix 5 лет назад +107

      Because private insurers are basically just chromatic dragons?

    • @worldcitizenra
      @worldcitizenra 5 лет назад +52

      Because the game is profitable for quite a few people who run the game, but are smart enough to insulate themselves from having to play the game.

    • @Zosio
      @Zosio 5 лет назад +22

      Nah, D&D doesn't have enough numbers. It's more like Pathfinder.

    • @kcraj78
      @kcraj78 5 лет назад +6

      The only thing missing is for you to roll a dice whenever you need treatment...

    • @Bighomie39
      @Bighomie39 5 лет назад +14

      Make a saving throw for your wallet

  • @fantasticmio
    @fantasticmio 2 года назад +307

    I had a friend who fell off a ladder and thought she might have broken her leg, but decided to wait a day to see if it got better before seeking treatment. As a Canadian, this is *insane* to me. **Insane**.

    • @kekkiko6647
      @kekkiko6647 2 года назад +18

      It costs roughly 500 dollars to even get a check-up on my insurance

    • @FrogsForBreakfast
      @FrogsForBreakfast 4 месяца назад +1

      What time of day is it? If it's after 6pm I need to wait until tomorrow when urgent care opens back up.

  • @Christoffer1658
    @Christoffer1658 5 лет назад +487

    And remember, if this information makes you depressed, that'll cost you extra.

    • @crimson6952
      @crimson6952 4 года назад +3

      People often exaggerate the prices but whatever

    • @IONATVS
      @IONATVS 4 года назад +9

      Most health plans don’t cover psych care, so it will cost you MUCH more.

    • @AAAAAA-zw7oh
      @AAAAAA-zw7oh 4 года назад

      @@crimson6952 including this video? (Genuinely asking, I'm not from USA and I have no idea)

    • @a.n.l.aantineoliberalismas4504
      @a.n.l.aantineoliberalismas4504 4 года назад +7

      @@AAAAAA-zw7oh nope this video is 100000000000% true

    • @SincerelyFromStephen
      @SincerelyFromStephen 4 года назад +7

      @@crimson6952 no it’s pretty accurate. I work in outpatient mental health and one of our outpatient groups is $900 a session. The program is 3 days a week for roughly 2 months

  • @Aegis82
    @Aegis82 2 года назад +335

    UK here. NHS literally saved my life. I spent 5 months in hospital. Billed cost to me was zero because I've funded the NHS through taxes and will continue to do so every year.

    • @connorpeppermint8635
      @connorpeppermint8635 2 года назад

      We Americans pay our taxes and what we get in return is crumbling infrastructure, a bloated world police military, and when we demand more we get called socialists while the Uber wealthy get all the breaks and help they ask for.
      Radicalism is on the rise because things are getting desperate and we are reaching a breaking point. The pot will boil over sooner or later.

    • @captain34ca
      @captain34ca 2 года назад +22

      My youngest child had heart surgery before his first birthday. In the US I would have spent more than half a million dollars or would have to watch him die. Luckily I'm Canadian and it cost me $1.50 for parking. I don't understand why there isn't a refugee crisis of hundreds of thousands of Americans fleeing north. As it is we do get a lot of health tourism with uninsured Americans coming for procedures and treatments because even without the benefit of a provincial health plan it is far cheaper in Canada because it is just not for profit. I have an Irish friend who needed an appendectomy in Canada. The bill was $3500, but due to agreements with other commonwealth countries the NHS reimbursed him when he returned home. Not sure if that's still a thing, the story is from the early 1980's when I was a university student.

    • @Inazarab
      @Inazarab 2 года назад +5

      @@captain34ca That’s a bit misleading. I’m 100% in favor of M4A but in the current system if you have health insurance in the US, which most do, it would never cost you anywhere near that amount. As mentioned in the video there’s a MOOP. Canadians often have this weird misconception that everyone pays for everything out of pocket. That’s not how it works. Canada’s healthcare system isn’t a huge improvement over the US. I’d much prefer something like the NHS or Japanese Healthcare system.

    • @captain34ca
      @captain34ca 2 года назад +3

      @@Inazarab I actually priced i out. Of course since you don't know what procedure was involved or what the issue was or what other complications were expected you can't possibly have any idea what the price was. I contacted 3 US hospitals out of the 7 capable of doing the procedure and $512 000 was the lowest estimate. By the way, most white Americans have health insurance.

    • @captain34ca
      @captain34ca 2 года назад +3

      @@Inazarab I would not have had health insurance if I was in the Us because I was self employed and just starting out in business at the time and my wife was fresh out of school so neither of us would have had employer benefits or enough money to self fund all of a private for profit plan. If I did have insurance the cost would have been likely a bit more than half, still prohibitively expensive.

  • @twothreebravo
    @twothreebravo 5 лет назад +2386

    You're wrong about stitches though, there is one class that is more prone to needing stitches.
    That would be Snitches. Snitches get Stitches.

    • @lanaharlow2515
      @lanaharlow2515 5 лет назад +33

      💭 +1☝😁

    • @chongjunxiang3002
      @chongjunxiang3002 5 лет назад +31

      Prisoner's insurance will terminate immediately after convicted (and all your money taken away).
      And prison will not pay your medical bills, you might just go DIY stitches lol

    • @noicrtm4472
      @noicrtm4472 5 лет назад +6

      I’ve worked on a few ambulances in my time and it’s sad the amount of people that actually do this with serious injuries

    • @sophroniel
      @sophroniel 5 лет назад +10

      I just choked on air thanks

    • @icyuranus404
      @icyuranus404 5 лет назад

      i see...

  • @SUMTimesUseful
    @SUMTimesUseful 4 года назад +1595

    A moderates guide to healthcare expenses here in Canada. To get stitches
    - Go to hospital, may cost gas.
    - get treated
    - say thanks, or don't but it's nice to be polite
    - walk out of hospital

    • @maximilianbeyer5642
      @maximilianbeyer5642 4 года назад +63

      Those canadians, always so nice😂

    • @Slenderman63323
      @Slenderman63323 4 года назад +160

      You forgot $10 parking fee

    • @thezipcreator
      @thezipcreator 4 года назад +27

      @@Slenderman63323 except I'm pretty sure canada doesn't have parking fees
      edit: am I retarded I don't know why I said this lmao of course it does most fucking countries have parking fees

    • @anyoneatall3488
      @anyoneatall3488 4 года назад +49

      @@thezipcreator a parking fee in a hospital? Why would it exist?

    • @SteamDonkey
      @SteamDonkey 4 года назад +73

      You forgot the 12 hour wait time

  • @foodplsOld
    @foodplsOld 5 лет назад +273

    Timestamps:
    0:00 Intro
    2:06 Why the Exact Same Treatment Can Cost Varying Amounts to Different People
    6:06 Health Insurance History
    6:52 Comparison with Car Insurance
    9:10 Is Health Insurance worth it? (Yes)
    9:59 Stages of Payment
    11:30 Health Insurance Programs and Terms
    15:01 Health Insurance Tiers
    18:59 Medicare vs Medicaid
    20:27 Medicare Parts and Which Costs You The Most
    24:10 Prescription Prices
    25:43 USA and UK Tax/Insurance Price Comparison
    27:49 USA Healthcare Quality per Capita (is Terrible)
    29:08 Medicare For Those Who Want it Proposal
    29:41 Medicare for All Proposal
    I wrote these for my own notes but wanted to share in case it helps anyone else :)

  • @maddog7795
    @maddog7795 5 лет назад +465

    Can we all just take a minute to appreciate how awesome it is that Will / Knowing spends tons of hours researching,writing, filming and editing to make these awesome videos! & breaks down hard topics into easily understandable chunks!

    • @garythesnail6177
      @garythesnail6177 5 лет назад +3

      right there with ya!

    • @Paul-zk2tn
      @Paul-zk2tn 5 лет назад +12

      It wasnt that easy to understand, which makes his research even more impressive. But hey, Im Scottish, so I've never paid a dime outside of tax, makes it simple if nothing else.

    • @garethbaus5471
      @garethbaus5471 5 лет назад +6

      @@Paul-zk2tn I once spent a couple months trying to develop an understanding of the us healthcare system and this video explains things I completely missed in my research it isn't very easy to find the information if you don't know what you are looking for.

    • @Brooklyn-Manhattan
      @Brooklyn-Manhattan 5 лет назад +3

      @Maddog did you just doxx his first name?

    • @onanthebarbarian9883
      @onanthebarbarian9883 5 лет назад +1

      @@Brooklyn-Manhattan I believe it was out in public prior to that reply.

  • @piplupsuper0
    @piplupsuper0 5 лет назад +364

    ngl i laughed at the start of this video, didn't expect him to chubbyemu.

    • @nativedoll2001
      @nativedoll2001 5 лет назад +5

      Seriously! I loved the intro! 😂😂😂

    • @carlousmagus5387
      @carlousmagus5387 5 лет назад +3

      I know right

    • @nokyan
      @nokyan 5 лет назад +16

      -emia meaning presence in blood.
      *-emia meaning presence in blood.*
      *-EMIA MEANING PRESENCE IN BLOOD.*

    • @gochathetruly2624
      @gochathetruly2624 5 лет назад +2

      I love that reference

  • @thenamethatwasntaken2314
    @thenamethatwasntaken2314 4 года назад +537

    So what you're saying is that if you're seriously injured in the USA you should just buy a new identity??

  • @allancampbell6699
    @allancampbell6699 5 лет назад +246

    Great video, though as a UK healthcare worker I do have one small nit-pick: when you said that Sanders's "Medicare for all" is essentially the same as the NHS in the UK it misses out the other major cost-saving factor we have over here. We don't just have socialised health insurance (like MFA) but socialised healthCARE, i.e. hospitals, doctors offices, etc are owned by the government and the staff (from specialist doctors to part-time hospital cleaners) are government employees. Obviously this comes with its own set of complications and problems (both real and politically manufactured) but it means that we don't have that extra layer of negotiations between insurers and healthcare providers that MFA would have, allowing costs to be even lower. Indeed, were an influential UK politician to seriously recommend that we adopt an MFA-style health insurance system, it would be the most radically conservative healthcare policy to be (seriously) considered in the UK since the end of WW2!
    Honestly though, watching things like this make me greatful for the NHS even more than I usually am!
    And thanks for the great video, as usual!

    • @saraa.4295
      @saraa.4295 5 лет назад +9

      I really hope the us does not adopt the part of hospitals being state owned... Image them shutting down or going without pay if the pres or senate throw another tantrum..
      Yay, we ara going to give you the emergency bypass, but just so you know, our doctor wasn't paid last month and had to take another part time job and we have no cleaning staff, they were not essential, j6st ignore the bloodstains 😳

    • @themaximus144
      @themaximus144 5 лет назад +1

      Of course the government owning that part of the process is also likely a part of why you have on average longer waiting times for care though. The government is making no profit on any of the procedures . In fact the incentive for a government body would be to allow for as few procedures / doctor's visits etc a year as they could without allowing population wide health statistics to go significantly down. The fewer health related procedures etc a year the fewer staff they need to have on hand to deal with them the less they spend. This this of course still results in a better system than the U.S. has now, but I actually think it's a worse system than the one Bernie is proposing. Bernie's system puts actual healthcare in the hands of those who are actually incentivised to provide it (doctors, hospitals, non-profits, and for-profits) to as many people as they can whilst having the government pay them to do it (thus further incentiveising them to provide it), but while still negotiating costs with them down to a reasonable level since the government becomes the only one who actually has the option to pay them to begin with. Gives them a lot of bargaining power.

    • @tamoramuir2089
      @tamoramuir2089 5 лет назад +6

      @@themaximus144 That will only go so far until you start having riots. Emergency situation can't be put off. It's really bad press for the gov't to have people bleeding to death on the sidewalk. On the other hand, you might need to wait a while to get that torn ACL fixed--it's urgent, but not life threatening. What I want to know is how they handle crucial preventative care (immunizations, annual wellness visits, blood work with follow-up nutritioun/lifestyle counseling, etc).

    • @tamoramuir2089
      @tamoramuir2089 5 лет назад

      So how long does it really take to get care? How long for preventative stuff (annual visits, well child check-ups, immunizations)? How long for urgent but not life threatening care (torn ACL, gall bladder removal, etc). How long for urgent care/non life-threatening emergency treatment (stitches, ear infections, strep throat, broken bones)? How do they handle long term high intensity care (cancer, diabetes)? Does it take so long to get cancer treatment that it's untreatable by the time you get in? I'd love to compare. Because it's not like we get really efficient medical service here. I have to make appointments for annual wellness visits at least 2 months in advance, but I can almost always get a child screaming from an ear infection in for a same day visit, or in to an urgent care clinic if it's a weekend or in the middle of the night.

    • @MrHSwager
      @MrHSwager 5 лет назад +3

      No plan in US will be as efficient as The NHS for a while, not including the savings gained from the government staffing the hospitals directly. The UK has been doing socialized health care for a century. It is going to take the US a long time to negotiate prices down and get hospitals to focus on efficiency over pretty glass buildings.

  • @amym7122
    @amym7122 5 лет назад +476

    Gotta love the free market where educated consumers can make educated decisions. All you need is an associates degree in medical billing and you too can be an educated consumer.

    • @PSYxTV
      @PSYxTV 5 лет назад +67

      Amy Montgomery Its by design. Same reason we have a underdeveloped rail system. So you can be forced to buy cars and gas. Same reason we have the 40 hour work week and low wages. Unregulated capitalism is designed to be be neofeudalism

    • @delve_
      @delve_ 5 лет назад +2

      +Feckless
      I see you there, comrade ;)

    • @altrag
      @altrag 5 лет назад +35

      America likes to call itself capitalist, but they're really not. Nor is anybody else. Capitalism requires _informed_ people making _rational_ with _honest_ suppliers. All three of those things are missing in practically all aspects of life. Even something as simple as picking out produce at the supermarket can be confusing if you truly care about what you're putting in your body (place of origin, what chemicals they use, whether those chemicals are "organic" or not (another term that doesn't mean what most people think it means,) and so on and so on.
      Suppliers have a natural incentive to advertise their product as the best it can possibly be. That means they exaggerate all of its best features while hiding all of its worst features. And things like corporate espionage laws and trade secrets mean consumers often have no way to know how accurate that advertising is -- we're not informed _and_ the suppliers are not always honest. Two of the important factors of capitalism shot down by the nature of well.. capitalism. Its a self-conflicting ideology
      And no I'm not trying to say communism is the answer (never mind that this isn't a binary choice anyway. Its not even a one-dimensional spectrum.) Communism is also pretty self-conflicting. It relies on everyone being treated equal, but someone has to make decisions so they necessarily become "more equal" than their comrades. defeating the whole purpose of communism (and often leading to dictatorship, as we've seen many times around the world.)
      The answer is, as with almost everything in life, somewhere in the middle. Capitalism works well for commodity items where the market can reasonably support many suppliers, the barriers to entry are reasonably low, and (here's one that's often overlooked) the externalities are minimized -- that is, the harms to other people, the environment, etc that aren't explicitly covered by the supplier as part of their cost of doing business.
      Roads are a perfect example of something that can't really be dealt with by capitalism. Even if the costs were small enough that you could have multiple competitors, having 14 roads covering the same route would be a massive waste of space and a huge eyesore -- ie: huge externalities. For those kind of cases, a socialized system isn't just the "best" option its really the only practical option.
      Its not necessarily as obvious to see why healthcare shouldn't be subject to capitalism. But it falls under the "harms other people" category. Most people instinctively think "what do mean? How does it harm anyone else if I don't want health insurance?" But they're thinking in the wrong terms. _They_ aren't the supplier. They are the customer. The health insurance provider is the supplier, and every time they deny a claim for the purposes of their financial gain, they've caused the claimant harm -- and not always just financial harm. If the claim denied was for something life threatening and the claimant can't afford to pay out of pocket, they may not even live long enough to see the court case finished, even if the lawsuit would have been ruled against the insurance company.
      Also, socialized programs are almost universally cheaper (.. on average, which is a big caveat for a lot of people ..) than similar capitalist systems, mostly due to economies of scale. What they typically are not is innovative. If a company makes a product for $50, all equivalent products are generally going to be around $50 as well. If you multiply the production factor by ten thousand by socializing it, you may reduce the cost for $48 through scaling. And that's kind of where it would stay forever in a socialized system (barring external influences such as the cold war provoking the USSR's military innovation.) While bringing it back to the capitalist system, sure all the _equivalent_ products might remain $50 forever (slightly more expensive,) but there's far more incentive for someone to innovate a _better_ product that either provides more benefit for the same $50 or does the same job for $40.
      Of course, that innovation angle is one that many people try to take with respect to healthcare as well. But those people are misleading you, either because they're being deceptive or because they don't know any better due to only having heard arguments from deceptive people. Its true that there is huge amounts of innovation in the _medical_ industry (and getting faster by the day it seems,) there is very very little innovation in the medical _insurance_ industry. And its the insurance industry that ideas like medicare for all is wanting to replace. Because figuring a new legal loophole to screw your customers for another 0.01% profit is not "innovation" by any normal person's standards, and that's about the only "innovation" that medical insurance providers have really offered in the past 4 or 5 decades. All you're doing by keeping private providers is paying them that extra $2 for the privilege of being able to shout "rah rah capitalism!" whenever someone points out the failings of the US healthcare system.

    • @mukkaar
      @mukkaar 5 лет назад +5

      @@altrag Capiralism works just fine without all that, as long as there's private market that's all you need. But if you want capitalism to work as advertised you need perfectly informed customers.

    • @altrag
      @altrag 5 лет назад +14

      @@mukkaar Unfortunately that's not all you need. You can have a private market under a communist system. Everyone is considered equal under communism (supposedly,) but they're not considered to be identical replicas of each other. Even communism recognizes that one person is going to want beets for dinner while the other person wants potatoes. Under communism, _supply_ is centrally controlled.. but demand is not, and pretty obviously can't be (at least until we perfect cloning.) Look no further than China to see this in action.
      But none of that was my point. My point was simply that America is _not_ capitalist, yet they constantly try to claim capitalist ideology, mostly from rich people as an excuse to never change anything because the current system disproportionately benefits the rich (whether they earned it or inherited it or just got plain lucky.)
      Yes they have a free market, and certain individual industries are _kind of_ close to being truly capitalist, but as a whole they're just.. not. And anyone who tries to claim "but we shouldn't do it because capitalism" without any further argument, no matter what "it" is, is either being intentionally deceptive, or doesn't know what they're talking about.
      That kind of touches on what I was alluding to when I suggested that capitalismcommunism isn't just a binary, its not even a spectrum. Capitalism invokes private supply, but it also invokes individualism, while communism invokes both centralized supply and also pure equality. That is, there's both an economic dimension _and_ a social dimension to that dichotomy, and not only can you consider possibilities on the line between the two well-known ideologies, you can find possibilities across an entire grid.
      And there's also been a political dimension added to the terms as well along the way. This is especially true in the US where the two-party system means all issues have to be split down the middle and over time get associated with each other -- conservatism is "capitalist" while liberalism is "communist." Even though the political and economic/social systems have nothing to do with each other. A "conservative" in China would be a communist as that's the status quo in their country, and therefore its the system they're trying to conserve.
      Of course Americans tend to be kind of bad at reframing questions and arguments in the context of other countries, so that point is moot for the majority of people in the US and for all intents and purposes, conservatism and capitalism have been inextricably linked, becoming a third dimension in that "dichotomy" from the American standpoint. Which makes silly assumptions like "gay people are communist" actually happen at times, because the Democrats tend to support both gay rights and (slightly more) social policy while the Republicans tend to oppose both. I call it crazy because as far as anyone knows, there is absolutely no link between sexual orientation and economic concerns, beyond the fact that they both happen to be "Democrat" ideals in the two-party world of American politics.

  • @timb83
    @timb83 5 лет назад +249

    It may have been beneficial to add context to the "you may have to wait longer" by showing that in the UK (for example) wait times to see things like an oncologist or a cardiologists are the same or faster but you may have to wait longer to get into the podiatrist to get that wart frozen off. But I can understand not wanting to bloat an already 30+ minute video. Thank-you RUclips analytics!!

    • @TheIceColdBikeDestroyer
      @TheIceColdBikeDestroyer 5 лет назад +11

      yeah its about whether it is urgent or not

    • @Paul-zk2tn
      @Paul-zk2tn 5 лет назад +20

      Which makes sense, unless you want rich people with less urgent needs pushing ahead of poorer people with more urgent needs. Ah, class warfare.

    • @TheIceColdBikeDestroyer
      @TheIceColdBikeDestroyer 5 лет назад +6

      @@Paul-zk2tn well thats the us for you

    • @meandmyEV
      @meandmyEV 5 лет назад +5

      We in the US have wait times too, just a different kind. My family is pretty much middle class and we depend on credit cards for emergencies. We have a high deductible health plan which means we pay out of pocket almost all of the time. If I need to see the doctor for something non-urgent, I almost always WAIT until it becomes urgent and I have to use a credit card. Even a regular doctor visit runs around $125 and that money is usually prioritized for other things like food and clothes.
      I was diagnosed in the early stages of cancer in 2013. By dumb luck I happened to have awesome insurance at the time so the $2000 CT scan that found it (the scan was for kidney stones) only cost me $45. That type of plan is virtually not available through employers anymore. The "good" insurance I have now has a $2000 deductible. There is no way I would get that same scan done now and pay out of pocket so I would only find out about the cancer when it was making me sick.

    • @potatorodka2795
      @potatorodka2795 5 лет назад +20

      @@meandmyEV Dude... I hate you break it to you but if you can't drop 125 dollars on the doctor when you need to go because it's earmarked for food or clothes... You're not middle class.

  • @charliepi
    @charliepi 4 года назад +89

    I was a healthy 31 year old in Wisconsin with terrible private health insurance ($250/month) that doesn't seem to cover anything. Got attacked by a dog while riding my bike. Biked my ass to Urgent Care. Got a tetanus shot and 3 stitches. I got a bill for about $600 a couple of weeks later. Then a couple of months later I got another bill for nearly $700, due immediately, and quickly went to a collections agency. The first bill was apparently just for the facility, and the second bill was the fee for the physician services. Oh, plus another $100 to get the stitches removed, and whatever the antibiotics cost that I got prescribed at the time. Over 5% of what I earned annually at the time went to those 3 stitches. If you factor in how much I was already paying monthly for insurance, over 16% went to healthcare that year. We need universal socialized healthcare, and I don't care who we need to guillotine to get it.

    • @brucecaldwell6701
      @brucecaldwell6701 Год назад +1

      What happened to the dog & more importantly, the dog's owner.

    • @wyattevert9269
      @wyattevert9269 Год назад +3

      No guillotine please. I was ignorant and was against it. Now I'm for it. Ignorance is cured w knowledge

    • @LMB222
      @LMB222 Год назад +1

      I got a bill of around $70 in Poland, when I hit a lamp with my hand. There was no tetanus,that's the difference.
      Time: 45 minutes from coming in to getting out.

    • @Annoyed_Human
      @Annoyed_Human 5 месяцев назад

      Leggo! 👊🏽😵🥴

  • @Kapin05
    @Kapin05 5 лет назад +333

    The only phrase I had going through my head as I watched this was "I hope to God they don't take away the NHS"

    • @f_f_f_8142
      @f_f_f_8142 5 лет назад +34

      Don't you want all theses choices? \s

    • @charleswhitney3235
      @charleswhitney3235 5 лет назад +60

      We literally can't afford to lose the NHS. All of the crap in this video costs money we don't have. Health privatisation will be as disastrous as rail privatisation.

    • @krankarvolund7771
      @krankarvolund7771 5 лет назад +35

      Same thing in France, it's been decades since right-wing politics blame our Social Security for having a big debt, but... that will cost a lot more if it's private run (and if we look at the numbers, the annual debt is rougly the same as the cuts on compagnies taxes XD).

    • @Charlie-et4td
      @Charlie-et4td 5 лет назад +1

      Same

    • @Charlie-et4td
      @Charlie-et4td 5 лет назад +6

      @@charleswhitney3235 and Britain really needs it because we have far more impoverished and poorer citizens.

  • @andrewcleary9952
    @andrewcleary9952 5 лет назад +185

    14:17
    Had to do a double take there. The acronym IRA means something very, very different to an Irishman.

    • @Shivom.Parihar
      @Shivom.Parihar 5 лет назад

      Amazing comment.

    • @MadPhoxPirate
      @MadPhoxPirate 5 лет назад +9

      *Come Out Ye Black and Tans intensifies*

    • @cocoabeanzwantstopuzzle
      @cocoabeanzwantstopuzzle 5 лет назад +1

      I'm American, and I thought the exact same thing, not gonna lie.

    • @Halfdanr_H
      @Halfdanr_H 5 лет назад

      I had it on in the background and that got my immediate attention.

    • @lainiwakura1776
      @lainiwakura1776 5 лет назад +4

      Yeah, Roth IRA and the IRA are completely different things lol

  • @HumansOfVR
    @HumansOfVR 5 лет назад +363

    haha you got me to laugh out loud with that intro

  • @peterhou4359
    @peterhou4359 4 года назад +74

    Hi I'm an actuary having worked in this industry for over 15 years. Great summary! I would've characterized the plan types and ACA metal tiers a little differently, but minor details. Like your other videos, I'm super impressed by how someone who hasn't been immersed in this field could go so deep on these topics.
    One thing I want to call out with regard to the $3,000 stitches example is that if you were on the hook for the entire premium (which is most definitely not the case for most people with an employer-provided plan), you really can't expect to break even 95% of the time. The same is true on car insurance, and we accept that as a fact. However, nobody should go without health insurance in America because a simple hospital stay could run up a bill in the 5 to 6 figures. It's also increasingly common to see patients that need over $1 million of services in just a few short months, thanks to our fancy medicine and the capitalist system that runs it.
    Lastly, a nod to your "bloat" comment toward the end. The more I think about every aspect of my work, the more I believe in a single-payer system. It's the right answer to every American, their career ambition or life goals, their employers, and their dependents. Yes it would cost me my job, which I enjoy for the problem-solving challenges, but it's the right thing for America to eliminate the need for people like me. It's unfortunate that these discussions too quickly evolve into blue vs. red political shouting match without thoughtful substance. Well, I guess we now at least have your audience who knows better :)

    • @LordWaterBottle
      @LordWaterBottle Год назад +1

      Honestly you and others in your career could do so much more good for society if we had a single payer system. Unfortunately, it seems that we will literally have to wait for the baby boomers to die out before we can actually modernize the financial side of health.

  • @NeoKillerXTC
    @NeoKillerXTC 5 лет назад +186

    Hey KB, I'm a professional in the Healthcare industry and am very impressed with how you presented the information and the fact that almost all of it is 100% spot on. Keep up the great work!

  • @TheNinja404
    @TheNinja404 5 лет назад +431

    When you watch a 30 minute video explaining the system three times in two days and you're still confused, that probably means something's wrong

    • @eldermoose7938
      @eldermoose7938 5 лет назад +27

      just like our tax code, at the point you need to pay a professional to explain or file for you and you don't run a business. Somethings defiantly fucked.

    • @charlescalthrop2535
      @charlescalthrop2535 4 года назад +3

      I laugh from Singapore and Australia.

    • @regular_being
      @regular_being 4 года назад +3

      Im so glad to live in germany.So easy here!

    • @banegas0411
      @banegas0411 4 года назад +1

      @@regular_being im happy i left germany also happy i was never made a citizen of Germany

    • @sweettea3879
      @sweettea3879 4 года назад +9

      Add on to the fact American students aren't taught any of this in high school, so they are pushed into the adult world, completely oblivious and uneducated on how to.... live in America.

  • @akernis3193
    @akernis3193 5 лет назад +499

    As someone who lives in Denmark where healthcare is entirely free for all citizens (or rather universally paid through tax), this hurt more then a little to watch.

    • @KatrinaHawkins
      @KatrinaHawkins 5 лет назад +74

      As a married American with four children who lives with this system every day: it is excruciating. And our family doesn't even have any preexisting conditions. I just want to be able to take my kids to the doctor and know what it's going to cost. Instead, I take them for their physicals and if they don't need shots it's $30 bucks and we're good to go. But, if they need any kind of shot, I can look forward to receiving a bill costing $$$s. The "system" is such a joke and the fact that there are so many people who are against nationalizing our system makes me furious.

    • @suserman7775
      @suserman7775 5 лет назад +22

      @@KatrinaHawkins And why do you assume that socialism is the answer for you? I think the system is frustrating too, but NOT because I think we should raise taxes and tell doctors and nurses and drug companies we're going to take their salaries away. The reason it's frustrating is because there are so many RULES, PROCEDURES, RESTRICTIONS, and a complete disregard to talk PRICE.
      Imagine shopping for a sofa absolutely nowhere in the store is a PRICE listed. "We'll send you a bill, don't worry about the price right now. Just get the sofa. Oh and the only color you can get it in is white. Also, we'll need a letter from the store that sold you a chair that you actually qualify for a sofa".
      What we need is a completely transparent and capitalist healthcare system.
      Nationalized healthcare? Screw you.

    • @MadPhoxPirate
      @MadPhoxPirate 5 лет назад +53

      Well your government actually cares for it's people. The US is way overdue for a violent revolution.

    • @Drroccy97
      @Drroccy97 5 лет назад +60

      @@suserman7775 You have no idea what socialism even is based off that comment. But, all you did in said comment was a load a horse shit, especially about taking salaries away from doctors and nurses. The problem isn't rules, procedures and restrictions. It is price and it how private insurance companies continue to fuck over working Americans.
      You're using the price of a sofa as a way to argue against universal healthcare... wow. Screw you.

    • @Jaker788
      @Jaker788 5 лет назад +41

      @@suserman7775 Who said anything about taking doctors salary away? They're still employed by the same person. The only thing that changes is the insurance provider. The insurance pays for whatever that doctor says you need and it gets paid for no questions by single payer insurance, the doctor is trained to know what you need, insurance is not. I'd rather not have insurance say I don't need this surgery and let my doctor decide what's necessary for me.

  • @stevewindisch2882
    @stevewindisch2882 2 года назад +40

    I always like to boil it down into super simple terms: Health Insurance companies do not add value to the system. Once I can get the person I'm talking to to agree to that point, it becomes really easy to explain that they're not charities and therefore any money sent to them has less impact than giving it straight to the hospital or alternatively some sort of central health savings account so we can pool our expenses. Makes the argument for abolishing insurance companies pretty simple.

    • @connormullin4547
      @connormullin4547 Год назад +1

      It's ridiculous to say that health insurance doesn't add value. The alternative is paying out of pocket for everything. For many people that would mean if they got sick it would bankrupt them. The health insurance companies allow you to pay a premium whether or not you get sick and spread the cost out between multiple people which reduces risk for each person. If you are very wealthy its probably not a good deal, but with how expensive healthcare is to perform almost nobody should be paying out of pocket.
      Some countries like Canada have public health insurance instead of private like the US. The NHS at its core is also just basically health insurance provided by the same entity that owns the hospitals and clinics. Most people don't want to just gamble their livelihood on a medical bill.

    • @hmkhgx8068
      @hmkhgx8068 Год назад +5

      ​@connormullin4547 you should read his comment again, try reading it about 10 times to make sure you actually get the point he was trying to make.

    • @SandfordSmythe
      @SandfordSmythe Год назад

      @@hmkhgx8068 I think the comment about having cash is still relevant.

    • @alexwyatt2911
      @alexwyatt2911 Год назад +3

      @@connormullin4547 It is always mind blowing to watch a person walk up to the point and completely miss it. Bravo.

    • @EthanPerales.
      @EthanPerales. Год назад

      ​@@connormullin4547ok Mr. Healthcare insurance rep

  • @rylieweaver1516
    @rylieweaver1516 5 лет назад +141

    Correction at around 30:00
    The U.K. is public funding of public institutions. M4A is public funding of private institutions. They are different in this way.

    • @SpiderWick12
      @SpiderWick12 5 лет назад +13

      hello secular talk viewer lol

    • @rylieweaver1516
      @rylieweaver1516 5 лет назад +6

      @@SpiderWick12 Accurate lol :)

    • @ioniornvpijrv5171
      @ioniornvpijrv5171 5 лет назад +7

      This is true, Medicare for all is actually a lot like the French health care system, where the insurance is national but the providers are private.

    • @michaeljmeyer3
      @michaeljmeyer3 5 лет назад

      I am concerned about abuse. America has a history of lobbyists and government stooges ensuring that corporations git theirs.
      I think that is the point that any true moderate has to contend with. b0tH sIdEs pitch ironically dubious questions giving the illusion that they represent the spectrum. They often do not.
      In this case, what about assurance, private practice coops, insurance driven health clinic, etc. there are so many options for fixing things, it kind of suck that we only get presented with 2

  •  5 лет назад +401

    Jeez! In Norway this video would be 10 seconds long. “You are born. You are covered. The end. “

    • @mariuszfurman6531
      @mariuszfurman6531 5 лет назад +9

      Heh, some European countries have better story: a free pill fail, you are covered from now till the end. :)

    • @a-10wartaboo77
      @a-10wartaboo77 5 лет назад +5

      Okay dude America doesn’t have the oil or the healthy life style it’s not possible to have anything like the Norwegian style even if everybody wanted it

    • @idyyott1467
      @idyyott1467 5 лет назад +73

      @@a-10wartaboo77 America doesn't have the oil? Are you sure?

    • @ispartacus1337
      @ispartacus1337 5 лет назад +43

      @@a-10wartaboo77 we 100% could do it. Don't be naive.

    • @BjoerNisse
      @BjoerNisse 5 лет назад +20

      @@ispartacus1337 besides the tax savings I actually think it could be a net benefit because it could cut the days lost to illness and sickness significantly and increase gdp

  • @DahVoozel
    @DahVoozel 5 лет назад +299

    "I want choice in my insurance!" Okay, do you have choice now? "Yeah! My employer has like, 5 plans!" Do they all have high deductibles? "No! Some have LOW deductables!" Can you afford them? "No... they're like $3000 a month for my family." Okay, so, then choose an plan your employer doesn't sponsor. "Well, I can't afford those either." So... do you actually have choice?

    • @Drroccy97
      @Drroccy97 5 лет назад +33

      Thank you! It's so frustrating when people make this argument about giving people a choice between shitty insurance plans that have no real benefits.

    • @sharp7j
      @sharp7j 5 лет назад +8

      As mentioned in the video hospitals can artificially inflate prices and then the insurance companies can pretend they lowered them with a special discount. This is the real problem with the system. All procedures that are never covered by insurance such as lasik eye surgery go down in price and complications exponentially over time as you would expect for any product. The problem is private insurance companies and hospitals are basically screwing over everyone else by artificially inflating prices. Single payer would obviously get rid of this scheme, but is the most heavy handed solution. We could also you know, JUST GET RID OF THE SCHEME ITSELF. As mentioned in the video it's based on hospitals being "non-profit" when they are clearly profiting, this loop-hole incentivizes them to make their costs insanely high so they can steal money from the government, and is made worse by the "discounts" they have with the insurance companies, who also get paid based on how much they "reduce the price" even if the "reduction" is only because the hospital made a deal with them to artificially make the prices insane.

    • @account2871
      @account2871 5 лет назад +3

      >conveniently ignores direct pay medical practice which, even despite regulatory burden, does quite well for cheap in the US

    • @seraphina985
      @seraphina985 5 лет назад

      @ReddoFreddo The former would suggest you think that someone on a low income with no assets as security would have a hope in hell of getting anyone to give them a few hundred thousand dollars or more line of credit to cover the non emergency portions of cancer treatment. This seems completely beyond improbable to me, some in the middle class homeowners perhaps especially later in life as they could well be sitting on $250k worth of collateral in the family home if they have not already been remortgaging it for other purposes. Younger middle class people though probably still not as they may call themselves homeowners but if they needed cash will quickly find out they still do not own very much home at all as most of the equity will already be encumbered by the mortgage on it.

    • @seraphina985
      @seraphina985 5 лет назад +2

      @ReddoFreddo Well yes most countries have had at least one adminstration that can do basic math tends to happen quickly once they figure out the taxes on the GDP loss to preventable medical absenteeism is more per capita than the cost of healthcare would be so it's usually break even before you use it as an excuse to add an extra tax that's just profit lol.

  • @EnergyCuddles
    @EnergyCuddles 4 года назад +84

    As a Scandinavian, watching this makes me so anxious ... e__e;

    • @Gigika313
      @Gigika313 4 года назад +8

      That how we feel the whole time in the US

    • @Virjunior01
      @Virjunior01 3 года назад +3

      Just don't think about the US. It causes ass cancer.

    • @kamilareeder1493
      @kamilareeder1493 3 года назад +6

      @@Virjunior01 colo-rectal cancer IS the most common type of cancer in the US 🇺🇸. Coincidence? I think not.

    • @Virjunior01
      @Virjunior01 3 года назад +1

      @@kamilareeder1493 sounds about right. We have the most obese tools.

  • @kubakrupinski9533
    @kubakrupinski9533 5 лет назад +219

    I live in Poland (where we have a single-payer system), and I got reminded today about how lucky I am not to be living in the US. I needed to go do a medical check up, so I called the clinic and just said "I would like to visit *insert favourite doctor*. Does she have time tomorrow?" and I got a visit scheduled for the next day. I came in, waited a few minutes in a queue, and into the doctor's office. During the check up, she looked at my documents and said "Oh, you don't have these 3 vaccinations done. Let's do them." Within 30 minutes I had the vaccinations done. Total cost: 0. I didn't even need to take anything there or talk to any receptionist! Americans don't know what they're missing out on.

    • @TymeTaylor
      @TymeTaylor 5 лет назад +70

      Oh, most of us know exactly what we're missing. But money [lobbyists] has a much louder voice than us.

    • @nostalgic9597
      @nostalgic9597 5 лет назад +9

      Where i live i just walk into the cvs or clinic to get vaccinations that day

    • @justinowens2077
      @justinowens2077 5 лет назад +35

      Sure, you get to live, but you don’t have FREEDUM

    • @realGBx64
      @realGBx64 5 лет назад +2

      In Hungary you get an mri appointment for 3 months later unless you bribe your doctor of course.

    • @justinowens2077
      @justinowens2077 5 лет назад +3

      Ger Tar but you have no FREEDOM 🦅 🇺🇸

  • @xBris
    @xBris 5 лет назад +205

    As a non-American I'd love to just laugh at this complete insanity, but it's just so damn sad. I'm so sorry for you.

    • @gwills9337
      @gwills9337 5 лет назад +5

      It's really sad, we literally have people shitting and dying in the streets.

    • @Yetizod1
      @Yetizod1 5 лет назад +4

      Don't be. It's nowhere near as bad as you think, and i'd rather have what we have then what Europe has

    • @suserman7775
      @suserman7775 5 лет назад +1

      As a non-American you really can't grab the concept that my AMERICAN GOOD HEALTHCARE is better than yours, while I drive my better-than-european's car to my better-than-european's home.

    • @Useless0305
      @Useless0305 5 лет назад +4

      @@Yetizod1 you'd rather pay for healthcare than not?

    • @midnightClub543
      @midnightClub543 5 лет назад +3

      @@Yetizod1 lol, this is why it's so hard to get the US can't move forward. Tell me a good reason why the US healthcare should be kept in the insurance system and not socialized like other first world countries?

  • @LashknifeTalon
    @LashknifeTalon 5 лет назад +348

    "You'll understand what they're talking about, because now you know better."
    I understand it's your catch phrase...but I feel MORE confused now.

    • @aaronrobinson2121
      @aaronrobinson2121 5 лет назад +46

      "So if you thought you knew how medical costs worked in America, now... you know better." ;)

    • @somedragontoslay2579
      @somedragontoslay2579 5 лет назад +9

      At least you know better...
      Than most Americans as you are actually aware of the mess you're in.

    • @theedguardian
      @theedguardian 5 лет назад +2

      You know that the topic is more confusing than you initially thought so because you're confused... technically you do know better... 🤔

    • @AvroBellow
      @AvroBellow 4 года назад +1

      I'll make it easy for you. Do something that is very Un-American and study the health care systems of developed countries that AREN'T the USA. I know that it probably never occurred to you (the USA is the centre of the universe after all, right?) but do it anyway.

    • @PMdaddyStick
      @PMdaddyStick 4 года назад

      Avro Arrow what society in history has ever been better than current day US

  • @mcsmaria28
    @mcsmaria28 4 года назад +162

    A better title would be “why American Healthcare is a Pain in the Ass”

    • @WallaWaller
      @WallaWaller 3 года назад +5

      "Why American Healthcare is yet another way for rich bastards to take staggering amounts of money from working class people"

    • @rakkatytam
      @rakkatytam 2 года назад

      Easy explanation: American suppositories are just a lot larger

    • @sams3533
      @sams3533 2 года назад +5

      Misspelt "active scam"

    • @kaleb749
      @kaleb749 2 года назад +2

      Such a video would be more focused on insurance lobbying and propaganda rather than just focusing on the costs and such

  • @jakobfriedrich5117
    @jakobfriedrich5117 5 лет назад +355

    I live in germany and the thought of having to pay for the ER is so weird to me. Or bankrupting your entire family if you get cancer

    • @jamesh7469
      @jamesh7469 5 лет назад +125

      Jakob Friedrich us Americans don’t have to bankrupt our families, we just start cooking meth in an RV

    • @garethbaus5471
      @garethbaus5471 5 лет назад +11

      I once took my father to the hospital he could barely get through the door and before we even got to the point of filling out the sheet to be seen they asked for $70

    • @ianwells5414
      @ianwells5414 5 лет назад +43

      Yeah were also considered the "radical left" for suggesting that it dosnt have to be this way.

    • @jakobfriedrich5117
      @jakobfriedrich5117 5 лет назад +42

      @@ianwells5414 that's the saddest part. Just looking at the replies to Bernie Sanders tweets makes me wanna cry. He would be considered a conservative in germany

    • @jessepinkman3075
      @jessepinkman3075 5 лет назад +2

      Same lol, From Sweden

  • @chstoney
    @chstoney 5 лет назад +806

    As a European, I did not laugh once. But I despaired on your behalf.

    • @TheLolzKnight
      @TheLolzKnight 5 лет назад +53

      You're a good soul. We cannot act for them, only weep for callously squandered lives and futures.

    • @chrishieke1261
      @chrishieke1261 5 лет назад +46

      Despair we can. Vigilant we must be. Vigilant, that we don't lower our standards and achievements to the low point the USA healthcare system is at.

    • @Enginshim
      @Enginshim 5 лет назад +24

      Too large of a country. Too heterogeneous of a country. The U.S. is set in its ways with individualism and entrepreneurs that any changes, no matter how common sense based, will be seen as Communist and crazy. I do not think we should have single payer, but we should also have a system in place where people know what they will pay.

    • @karsten69
      @karsten69 5 лет назад +5

      As a fellow European I shed a tear for them.

    • @maryannlammersen6536
      @maryannlammersen6536 5 лет назад +1

      You are most charitable and altuistic.

  • @VoluptuousDumpsterFire
    @VoluptuousDumpsterFire 5 лет назад +1239

    Dear Americans,
    We are not laughing at you, we are crying for you.

    • @briankurth4405
      @briankurth4405 5 лет назад +28

      Thanks

    • @mlgprussian7115
      @mlgprussian7115 5 лет назад +136

      OH HELL NAH! IM A FREEDOM LOVING SECOND AMENDMENT PROTECTING GUN SHOOTING HILLBILLY FROM MISSISSIPPI! ID RATHER SPEND $1.3 TRILLION IN TOTAL DEFENSE SPENDING THAN FIXING OUR CRIPPLING DEBT OR HAVING FREE HEALTHCARE! GOD BLESS AMERICA AND GOD BLESS DONALD TRUMP WOOOOOOOOOOO TRUMP 2020!!!!!!

    • @allmight9840
      @allmight9840 5 лет назад +23

      We are sad for Europe and the low birthrates. Do you have any plan to not go extinct?

    • @ChrisPage68
      @ChrisPage68 5 лет назад +130

      @@allmight9840 You don't need to have many children for them to survive childhood. This is the 21st century.

    • @kaufmanat1
      @kaufmanat1 5 лет назад +9

      @@mlgprussian7115 to be fair, many of those guys don't trust hospitals, so healthcare is a moot point for tbem.

  • @samhughes8017
    @samhughes8017 3 года назад +68

    One advantage of the UK system is its extremely easy to budget for healthcare since you can easily compute your NI contributions from your salary and the maximal extra cost is prescriptions (which is unlikely to be more than £200 in a given year). The amount of stress this relieves is incredibly notable.

    • @tcm81
      @tcm81 2 года назад +2

      The UK system doesn't cover long term care. If you need people to help you cook and wash because you got injured, you will have to pay out of your own pocket. If you run out of money, the state will then cover these costs.

    • @Daniel_leading_the_13_Plateans
      @Daniel_leading_the_13_Plateans 2 года назад

      That is a big problem

    • @AndrewGillard
      @AndrewGillard 2 года назад +2

      Quick note about -UK- _English_ prescription costs, because not enough people here seem to know about this... (Prescriptions are totally free in Wales and Scotland! Not sure what Northern Ireland's doing, sorry…)
      *If you need regular prescriptions, you'll probably save money by getting a prescription prepayment certificate (PPC)!*
      "Regular" = 4+ items in 3 months or 12+ items in 12 months.
      Current prices are:
      • Prescriptions: £9.35 per item.
      • 3-month PPC: £30.25.
      • 12-month PPC: £108.10.
      (Prices tend to rise a little each year. And I don't have data on this, but it feels like the 12m PPC increases _less_ than the individual prescription charge.)
      The 3-month PPC's £30.25 has to be paid upfront, but the 12-month PPC can be split over ten monthly £10.81 Direct Debits with zero interest or extra cost. Kinda weird that it's 10 months, but… 🤷‍♀️
      So _even if you only need ONE prescription item every month_ (or every 28 days), a 12-month PPC will save you £4.10-£13.78 per year (1-month vs 28-day scripts).
      While that's not a huge saving, and it leaves you paying an extra £1.46/mo for 10 months (vs one £9.35 item/month), _any_ additional prescriptions are completely free (and the 2 extra months drop the average cost to £9.01/month, remember).
      It's also convenient to not have to worry about paying when collecting meds :)
      The 12-month one also renews automatically, so I haven't even had to do anything to keep it active for _years._
      Personally, I'd be paying almost £500/year without a PPC. Instead, I pay £10.81 a month between October and July, spend August and September feeling like I've got a bit of extra money, and save £30+/month overall 😸
      (And if you don't yet have a PPC but suddenly get prescribed something that would make it worth getting one, I believe you can ask the pharmacy for a special receipt while collecting _and paying for_ any scripts you need while you order and wait for a (presumably-backdated) PPC, then the NHS will refund any prescription charges you have receipts for.
      *It's NOT a normal till receipt!* You need to ask for the special NHS one which has a code that I don't recall right now.
      It's been a long time since I've needed to do this so check for yourself first. It may even be mentioned on the prescription itself, if you're given a paper prescription.)

    • @kaitlyn__L
      @kaitlyn__L Год назад +1

      @@AndrewGillardwhoa, this needs to be more widely known

    • @AndrewGillard
      @AndrewGillard Год назад

      @@kaitlyn__L Right‽ The NHS isn't actively trying to keep PPCs a secret or anything, but I keep finding people who'd benefit from one but don't know about them. I think GPs and/or pharmacists should mention them more often tbh. (I realise they're all very busy and over-worked-especially my local GP surgery-but maybe we can fix that as well… maybe? please? 😩)
      (Also, hi~ 😸 Your name shows up in the comments of many channels I frequent :))

  • @iammrbeat
    @iammrbeat 5 лет назад +197

    I'm so glad you tackled this topic.

    • @richardballstein5132
      @richardballstein5132 5 лет назад +4

      Without this video, I never would have known that the completely moderate position on healthcare was totally in favor of government healthcare.

    • @Omega-fb9ji
      @Omega-fb9ji 5 лет назад +10

      @@richardballstein5132 Than I won't tell you that even most conservative parties and politicians in other countries support goverment run healthcare.

    • @richardballstein5132
      @richardballstein5132 5 лет назад +1

      @@Omega-fb9ji Those "most conservative politicians" in other countries have some advantages. The first of those advantages is that they don't have 100 million obese people whose healthcare they need get the public to pay for. The second of those advantages is that those countries don't need to worry about their own defense. They know that, realistically, the US would step in and protect them if they needed it, so spending money on defense is more of a token gesture. If they actually needed to allocate enough funding to their military to be impactful, they wouldn't have the money for their massive welfare state.

    • @Omega-fb9ji
      @Omega-fb9ji 5 лет назад +5

      @@richardballstein5132 If you watched the video you would know that It's cheaper to transit to the Single Payer system than it is to stay on current one.

    • @richardballstein5132
      @richardballstein5132 5 лет назад +1

      @@Omega-fb9ji As long as the 50 million obese people who currently don't get any healthcare at all don't use the government plan, then it might be cheaper, yes.

  • @WeabooMilk
    @WeabooMilk 5 лет назад +159

    Eerily timely; I just started signing up for health care a few days ago and have been bombarded by non-stop emails and phone calls ever since.
    I need an(other) adult.

    • @estefanolivares4159
      @estefanolivares4159 5 лет назад +1

      That's the only calls I get nowadays

    • @garethbaus5471
      @garethbaus5471 5 лет назад +1

      In not even looking for health insurance right now, and I get so many calls from health insurance companies that they make up a majority of the calls I receive.

    • @sierrasouthwell9237
      @sierrasouthwell9237 5 лет назад +2

      You may have gone to the wrong site. There are several health care sites that proclaim that they are part of the ACA and can help you get insurance. However, all they do is give out your info so you can be spammed.
      There is only the one healthcare.gov, who does not give out your information.
      Additionally, you might want to Google "do not call list." It's a national registry that excludes you from sales calls. It doesn't do much for robo calls, but it does prevent anyone legit from bugging you.

  • @Halfdanr_H
    @Halfdanr_H 5 лет назад +18

    As a Brit I can't imagine living in a country without a national health service. Our NHS has it's fair share of problems, but as a somewhat regular patient since childhood I'm so grateful that it's there. It's worth every last penny of the monthly National Insurance contributions.

    • @krixpop
      @krixpop 3 года назад +1

      In Belgium we look in horror at the british "No Health System"
      But compared to the US "I am gonna watch you die" medical miscarriage
      The British NHS is heaven.
      -
      I am a Monarchist, 110% capitalist leaning and paid for my "free" health-care all my life.
      The same percentage absolutely all my fellow citizens paid for our collective health.
      450 € / month all included in my case (or 380?) before tax.
      Our health is then "hired" by private entities which are strictly controlled by various citizen and ministerial commissions.
      But our medical personnel is so dedicated, that all those controls are for show only...
      -
      Lang leve Koning Filip van het Koninkrijk België !!!

  • @arc717
    @arc717 5 лет назад +156

    Gotta say I’ve been living in Japan since I finished college and while I pay a good amount for my insurance, I was happy to see that I’m in fact paying less annually than what I would’ve been paying in the US. And I pay next to nothing for using the hospital, and it covers dental as well. Eyeglasses cost less here too because the exams are always free. And the care is in general good.

    • @a.n.l.aantineoliberalismas4504
      @a.n.l.aantineoliberalismas4504 4 года назад +6

      Well yes in Japan the government heavenly subsidies healthcare

    • @PianoForteKitty
      @PianoForteKitty 4 года назад +1

      I had insurance there provided by my work and I only paid $90 a month, but I probably paid more out of pocket (I believe it was 20%). I had to pay $300-$500 a month when in the U.S.

    • @johannesgutsmiedl366
      @johannesgutsmiedl366 2 года назад +4

      @@a.n.l.aantineoliberalismas4504 yes, which is how it should be

  • @MrBritishNinja
    @MrBritishNinja 5 лет назад +41

    Canadian here: I feel like the Americans who died because of their healthcare system deserve a memorial. Didn't laugh at the prompt.

  • @homeofthemad3044
    @homeofthemad3044 5 лет назад +34

    We know you work really hard on these videos and we have no problem with them coming out a few days later. Thank you KB

  • @liberalaco829
    @liberalaco829 5 лет назад +167

    Knowing Better: Say MOOPs
    Me: I' M SORRY, BUT THE CARD SAYS, MOOPS

  • @caryrodda
    @caryrodda 5 лет назад +18

    Great job trying to explain an infinitely complicated system. I wrote a research paper 25 years ago comparing our system then to the single-payer system. Not surprisingly, the single-payer system was better. However, since that time our system has just gotten more expensive, complicated and worse. Thanks for trying to help folks understand it.

  • @gabrielfraser2109
    @gabrielfraser2109 5 лет назад +69

    I regularly hear people who want the US to keep it's healthcare system the same tell horror stories of the NHS and Canadian healthcare system - sometimes, those systems let people down. Sometimes people die in waiting lines, although triage keeps this at a very low minimum. Here's the thing - Countries with socialised, public Healthcare generally also have private healthcare, and the private healthcare tends to be cheaper, since they're competing with "free".
    So what you need to remember is that every single time someone dies on a waiting list, every time public Healthcare let's someone down, private healthcare let them down too, because private hospitals were available - those people simply couldn't afford them. In South Africa, our public health system is extremely hit and miss - depending on your location, the nature and severity of your condition, you could get excellent treatment, or you could die slowly in the hallway. But for those who can't afford private treatment, it's better than nothing. A shitty hospital that lets you through the door is better than a good hospital that doesn't, any day of the week.

    • @gabrielfraser2109
      @gabrielfraser2109 5 лет назад +6

      @UC8itJg8ectxhHvPDdXjDw6Q Many innovations occur in socialized environments - France is renowned for their medical devices, for example. Countries with socialised medicine absolutely do pay for the American innovations they use, I don't know why you would say they don't - they just have bargaining power.
      There are many ways the current free market, particularly the patent system, can be abused to stifle innovation. The components and construction of an EpiPen costs less than $5, and R&D was recouped decades ago. But one company still owns the rights to that style of medication delivery system, blocking others out of the market. If the free market was actually built around innovation and competition, we'd have companies competing to get the cost of an EpiPen down to $1.
      Much of the excess innovation in the US medical industry is simply bullshit - for example, a company knows when they develop a drug that it will be effective for fever, headaches, and cramps, but they only indicate and register it as being effective for fever and headaches. Five years later, the end of their patent is drawing near, so they start trials to have it tested for cramps, just out of pure curiosity - what do you know, it turns out its good for that too, and their patent gets extended, since development has continued.
      Or they just add a useless methyl group, and run studies until they get data sets that suggest some type of improvement - boom, that's innovation, patent extended. It's not the same thing as actually developing new, useful treatments.

  • @celestialangel666
    @celestialangel666 5 лет назад +174

    "It's own system and a bottomless well of asterisks"
    me: that is basically their motto, yes.

  • @johnyarbrough502
    @johnyarbrough502 5 лет назад +87

    When I needed surgery, the surgeon and hospital were in my employer's network. My cost was up front. Nobody said the anesthesiologist was out of network. His unexpected charge for over $1000 was sent to a collection agency before his office ever sent out a bill.

    • @georgejorgenson7347
      @georgejorgenson7347 5 лет назад +15

      Lol, yep. You never even get told. And they often don't even actually try to collect it from you. Half the time they don't even send an actual bill to you. Because they *know* it won't get paid---largely because people realize the system is a huge scam--imagine a system where you go to Costco and buy stuff then Costco sends you another bill later after you already paid---yeah. So it just goes to collections and they annoy you for a couple years, you ignore it, and it goes away. But the people who do pay have to pay more, and the viscous cycle continues, it's totally screwed up!

    • @heinzbaron9129
      @heinzbaron9129 Год назад +5

      That should be in violation of the Fair Debt Collections Act, but health providers are often exempted from these laws.

  • @plasticbutler
    @plasticbutler 5 лет назад +78

    This video had me in stitches.
    Good thing I'm in Canada where it's free.

    • @Gammify9001
      @Gammify9001 5 лет назад +3

      Believe me as someone who lives in the us I don’t want free health care

    • @somemorewords9714
      @somemorewords9714 5 лет назад +23

      @@Gammify9001 believe someone who also lives in america, yes we fucking do, youre in the minority

    • @kylesteinhauser2535
      @kylesteinhauser2535 5 лет назад +11

      Fat Yoshi you know it’s more economical on the long term you doofus

    • @colbydenton2050
      @colbydenton2050 5 лет назад +4

      Weird, I thought it was payed for through taxes. Had no idea it was free.

    • @nihilisticspacelizard1868
      @nihilisticspacelizard1868 5 лет назад

      plasticbutler What are the requirements for becoming a Canadian citizen?

  • @joshuasalem5022
    @joshuasalem5022 5 лет назад +370

    “How are you going to pay for it?” Was a question asked at every single democratic debate, and was answered at every single democratic debate, yet they keep asking hmmmm...

    • @frankartanis1290
      @frankartanis1290 5 лет назад +116

      Almost as if they don't care about the answer, but just want to have a gotcha moment. I wonder why...

    • @RavenStorm332
      @RavenStorm332 5 лет назад +9

      Well not every Democrat said how they would pay for. The real question is how much healthcare should be provided by the government so for me it would be primary care would be free while hospitals stays and everything else would be taken care of by health insurance.

    • @Carlosgzz93
      @Carlosgzz93 5 лет назад +8

      @@RavenStorm332 why?

    • @RavenStorm332
      @RavenStorm332 5 лет назад +1

      @@Carlosgzz93 why, what

    • @freddyt55555
      @freddyt55555 5 лет назад +8

      @@RavenStorm332 Why the separation?

  • @NikhilAutar
    @NikhilAutar 5 лет назад +31

    As an Australian, I thought I was getting scammed paying $120/month with a $500 deductible. We have a public health system which is virtually free for everyone here.
    As an ex cancer patient, I need better cover. No discrimination is allowed by age/sex/race etc though which is also sweet. This is gobsmacking.

    • @charlescalthrop2535
      @charlescalthrop2535 4 года назад

      Nikhil Autar Congrats on getting through.

    • @jonver92
      @jonver92 4 года назад

      American here. I pay $86 a month premium and can see any specialist on any network.

    • @crimson6952
      @crimson6952 4 года назад +1

      There isn't discrimination in the US

    • @gyrobyte626
      @gyrobyte626 3 года назад +1

      laughs in uk

  • @blairdawn
    @blairdawn 4 года назад +62

    got a better job recently so I'm watching this while crying to understand why I can no longer afford my heart medication after losing my medicaid love it

  • @nikolascoffey6453
    @nikolascoffey6453 5 лет назад +83

    this video should be called: why moving to europe is a great monetary investment.

    • @jupiterkansas
      @jupiterkansas 5 лет назад +11

      not to mention the free college

    • @averagejoe6031
      @averagejoe6031 4 года назад +1

      @@jupiterkansas yeah no kidding

    • @averagejoe6031
      @averagejoe6031 4 года назад +6

      Or Canada, it’s closer.

    • @daithipol
      @daithipol 3 года назад +4

      You do realise we in Europe do have border controls too tho here in Ireland if a grandparent was born in Ireland Irish citizenship is just a formality but documents proving this is required.

    • @irishbattletoster9265
      @irishbattletoster9265 3 года назад

      @@daithipol it's not as bad

  • @Chili_Rasbora
    @Chili_Rasbora 5 лет назад +64

    Nice take on ChubbyEmu's format in the intro!

    • @derpmcgerp8062
      @derpmcgerp8062 5 лет назад +4

      Was looking for this comment. Lol

    • @maddog7795
      @maddog7795 5 лет назад +1

      yup!

    • @maddog7795
      @maddog7795 5 лет назад +1

      @Germanman225 willst du, dass ich für dich ins Englische übersetze?
       Learn to pronounce

    • @GhengisJohn
      @GhengisJohn 5 лет назад +1

      @@derpmcgerp8062 I was looking to make this comment, lol.

  • @HistoricaHungarica
    @HistoricaHungarica 5 лет назад +232

    "I hope you accurately predicted the medication you'll need in the future."
    Weed is all i need maaaaaaaaaaaan.

    • @sni-ri1yg
      @sni-ri1yg 5 лет назад +16

      Too bad if you in wrong place you could go to jail for years

  • @ashr
    @ashr 5 лет назад +152

    This was a well done thorough look at the unnecessarily complicated US healthcare system. Thank you!

  • @xIRWINBx
    @xIRWINBx 5 лет назад +65

    UK citizen here - I love that end point about "Quality?". You always see this point made in comment sections under like Ben Shapiro videos - that UK healthcare is plagued with long wait times and terrible quality. First I would say from both quantitative and qualitative knowledge, that isn't completely true. But also we still have private healthcare here. If you are fortunate enough to earn enough money you can go out a pay for private healthcare - you still have to pay for the public option through taxes but it's nice to have both options.
    This system in the US just makes me sad, it baffles how the country ever got to be the success that it is today when it is being chained down by this confusing mess of costs and systems.

    • @Krasov92
      @Krasov92 5 лет назад +5

      Ben Shapiro, actually almost died because american hospital had long line, and he had to wait at the floor of the parking lot, dying, unfortunately his turn was just in time so he's breathing and talking crap again.

    • @artyfarty87
      @artyfarty87 5 лет назад +7

      Kind of similar to New Zealand, in that we hae both private & public systems. The waiting lists are usually for so called "elective" surgeries (which still sucks for those people who need them), but weather it's emergency or not, your not going to get treated, then get a surprise bill for it. Our system's not perfect but it's actually pretty good.

    • @Kimmaline
      @Kimmaline 5 лет назад +4

      Sounds pretty much the way it is in Australia, too. I dont live there but have some close friends who do - I'm disabled and a wheelchair user, and in the past year have developed a life threatening brain disorder stemming from my spinal disability. All of my friends in other countries like in Europe, Australia, Canada, etc, just want to swoop me up and bring me to them.
      I dont really have family exactly, so I don't have the typical help many in my situation would have. I do have a PHENOMENAL "chosen family" and a wonderful local community, but when I see people in Europe who have carers and the like I just want to cry. I have a 7yo daughter who is the light of my entire soul, and I just focus as much as I can on giving her a normal childhood and loving her to the moon and back.

    • @davincicod1
      @davincicod1 5 лет назад +1

      So you basically have a 2 tiered system: one for those who can afford both the taxes plus private healthcare and one for those who can't?

    • @xIRWINBx
      @xIRWINBx 5 лет назад

      @@davincicod1 You could say that yeah

  • @d.l.7416
    @d.l.7416 5 лет назад +106

    I mean, who cares about **shudder** helping **shudder** people

    • @OGPatriot03
      @OGPatriot03 5 лет назад +1

      You're so ungrateful for the miracle Capitalism has done for world wide healthcare... We've essentially ended world hunger and have never had a better grasp on disease but all you see is low prices in Europe because Americans foot the R&D bill.
      If we didn't have to pay for the world's R&D bill then even our convoluted half way socialist system would be cheaper. Let alone if we didn't have the horrid regulations in place that cause all of this. But the fact remains the US is the largest innovator and supplier of medical resources in the world.

    • @d.l.7416
      @d.l.7416 5 лет назад

      ​@@OGPatriot03 Imagine you were to be born to a random family. Would you want to be unable to afford healthcare?

    • @d.l.7416
      @d.l.7416 5 лет назад

      @@OGPatriot03 Im glad that we have good healthcare, but that doesn't mean capitalism is perfect

    • @OGPatriot03
      @OGPatriot03 5 лет назад

      @@d.l.7416 No, it's imagine a world without Capitalism where everyone still starves to death and the survivors are ruled by despots. Capitalism in it's essence not only crates that which did not previously exist but it frees people from the tyranny of every day serfdom to get food and other goods from their lords.
      It's the main part of society now, where as before Government was the main entity in your society.
      Governments on their own rarely create anything new and when they sometimes do it never lasts. Only the power of Capitalism could have solved world hunger and it has. We don't have a Capitalist Healthcare system in America, it's a Socialist program that's a half mix of mandated Business interactions.
      In other words it's an Alien Amalgamation we call capitalist despite it having been mandated by the will of the government to be socialist. So it's in the middle, perhaps the worst place to be. Either do it like Europe and companies will STOP investing billions into R&D to create that which did not previously exist, or demolish the current system and allow true Capitalists to fill the void, they WILL offer services the people can afford, there will be competition + massification and even exportation of our good.
      PS: Europe is freeloading off of Americans paying their share of the R&D cost of medicine since European countries refuse to pay for more than the cost to physically manufacture the pill.

    • @d.l.7416
      @d.l.7416 5 лет назад +2

      @@OGPatriot03 "solved world hunger" um yes so starvation isn't a thing? And people dumping grain in the ocean?

  • @rory109
    @rory109 5 лет назад +54

    In ireland health insurance (in my experience) is sorta like a fast pass that lets you skip the line by going to private hospitals

    • @jamesgreene6817
      @jamesgreene6817 5 лет назад

      chaffinch420 I know right?

    • @OlOleander
      @OlOleander 5 лет назад

      Same in Spain.

    • @jamesgomez9151
      @jamesgomez9151 5 лет назад +5

      Why are Americans so oppose to a system like that. We pay more per capita in the devolped world, but our health care is also among the worst. There's great examples all around the world of socialized medicine, half of Americans are too arrogant amit it.

    • @karsten69
      @karsten69 5 лет назад +3

      @Dr.Science The only irony is that they are the poor they don't want to get health insurance.

    • @EmmaB843
      @EmmaB843 5 лет назад +1

      Out of pocket is a little faster than insurance from my experience, kinda like
      Out of pocket (private) >insurance (private) >medical card (public)
      Probably because people generally don't pay out of pocket, so doctors take ailments a bit more seriously if you're asking if paying will be faster.

  • @sara9saysyo
    @sara9saysyo 5 лет назад +140

    Hearing him praise the NHS knowing there's talks about privatising it is honestly so sad, I hope it stays public and just gets reformed

    • @dickhamilton3517
      @dickhamilton3517 4 года назад +16

      haven't you been paying attention? there's been creeping privatisation since Tony Blair's govt. It goes on still.

    • @fishofgold6553
      @fishofgold6553 4 года назад +1

      @@dickhamilton3517 What exactly has been privatised? And have costs increased? (silly question, I know.)

    • @a.n.l.aantineoliberalismas4504
      @a.n.l.aantineoliberalismas4504 4 года назад +5

      @@fishofgold6553 o my god no its steel free and if the people of the UK start getting medical bill of £100,000 then riots my friend riots

    • @vernonrabbetts
      @vernonrabbetts 4 года назад +16

      @@fishofgold6553
      Since the Thatcherite government the blur between private and public care in the UK is more and more blurred.
      About 18-20%, depends on your source, of all NHS expenditure actually goes to the private sector. The private sector apparently does it cheaper, but not the difficult stuff and not using its resources.
      Cataracts are now heading to be almost all done by private health providers...cheap and easy - very profitable.
      However all staff in private health are providers were not trained by those companies. The NHS bears those costs as they are the source of all provate healthcare staff.
      As always when it comes to Chicago/Vienna school economics, private profits, socialise debt, glorify the rich, fuck the poor.

    • @averagejoe6031
      @averagejoe6031 4 года назад +3

      Don’t let that happen UK. Take us as a warnings

  • @andrewlampert1878
    @andrewlampert1878 5 лет назад +14

    Thank you for breaking this down so well. I'm a medical student and at no point are we taught any of this or the pros and cons of the different types of health insurance. And thank you for breaking it down as a cost argument rather than a philosophical "is healthcare a right" debate. Very helpful!

    • @JLacan
      @JLacan 5 лет назад

      Which to be honest, as a healthcare professional/provider SHOULD be an importante debate. No amount of people should go without medical care just because the society they live in considers they're not valuable enough to access it. For instance: People who by whatever circumstance cannot "pay" for their healthcare, are usually the ones that need it the most.

    • @andrewlampert1878
      @andrewlampert1878 5 лет назад +3

      @@JLacan I never said that I didn't believe it was a right. I personally do. But often that argument sadly falls on deaf ears. And then the next argument is usually it costs too much so I appreciate that he explained it in terms of what comes out of people's wallets. People's beliefs are hard to change but telling them they will have more money left at the end of the year is very convincing

  • @number1spritefan
    @number1spritefan 5 лет назад +62

    i get so unbelievably pissed every time i see how messed up our healthcare system really is... i learned some things about health insurance from this video tho. thanks for putting in the effort to tackle such a complex subject!

    • @account2871
      @account2871 5 лет назад

      What KB is ignoring though is important. If he actually did want to inform the population, he would have made mention of direct pay medical practice which even despite being at a disadvantage in the US due to insurance laws, still provides very cheap care.

    • @account2871
      @account2871 5 лет назад

      @ReddoFreddo ReddoFreddo Direct pay in it's current state is basically restricted in growth because of red tape, but even now it does routine healthcare FAR better than what insurance can get you here. Routine healthcare is what drives up healthcare costs and is not as inelastic as emergency healthcare. Proponents of universal healthcare like to pretend that all kinds of medical care have inelastic demand but it's just false.
      Direct pay works by cutting out the middle men (which are usually insurance companies). Did it sound odd to you when KB stated that 70 percent of PRIVATELY owned hospitals in the US are NOT run for profit? Well that's pretty much because we don't pay physicians themselves, they're paid by insurance companies. And the INSURANCE companies can rip us off easier than a hospital DIRECTLY can when they pay for pretty much everything. Imagine if car insurance covered light bulb changes and oil checks.
      KB is being kind of sly with what people actually wanted to know about healthcare in the US. We're concerned with why it's wrong and proposals to fix it. Instead, he just goes into how it works and then denounces it in favor of single payer.
      Remember not to confuse "US healthcare" with "private healthcare" because we've been regulated into this inefficient insurance system since WWII.
      EconClips made a good video on the history of US healthcare, I encourage you watch it.

    • @account2871
      @account2871 5 лет назад

      @ReddoFreddo Oh no I'm not a supporter of annihilating ALL regulation, but in the US, we have been pretty much regulated INTO the system we have now, which is the problem, those regulations need to be lifted. When I say "red tape" I'm just referring to regulations that slow or altogether stop growth.
      And the ACA is not what is responsible for insurance covering all medical expenses, contrary to what you heard from other commenters, but the great depression was. Since then regulations have fitted us into this expensive system. ACA was in part a bid to get everyone on insurance so that it would be cheaper, but failed because the government doesn't run the healthcare industry. Some people even preferred paying the penalty to the government for not having insurance because it was cheaper!
      All I think is that a free market CAN handle healthcare, and therefore make it cheaper, better, and more bountiful, as markets have done to every other industry, but KB apparently thinks that the US is the pinnacle of private medical service, and then advocates single payer on the back of that assumption. The US is most certainly not the ultimate private system in terms of healthcare.

    • @number1spritefan
      @number1spritefan 5 лет назад

      Account something that is troubling to me about direct pay medical practices is that you have to “subscribe” to a certain individual medical provider/office... what if i (hypothetically) have an expensive specialty condition like cancer? would i have to subscribe to those specialty doctors too, or is that something that would be left out of/not qualify for the direct pay system? and what if my hypothetical cancer goes into remission? can i “unsubscribe” from that healthcare provider when my treatment is finished? how would hospitals work?
      these are all questions i would have if politicians were to move forward with implementing the direct pay method.

    • @account2871
      @account2871 5 лет назад

      @ReddoFreddo Obviously healthcare was different pre great depression, but I was only making the point that US insurance based care has it's origins then.
      I'm not even arguing that single payer doesn't "work" but arguing that a market can deliver routine care for the same price or lower with better physician-patient relationships.
      Side note: single payer does seem "logical" when your mind is still on the insurance model, direct pay does away with insurance for routine care.
      Also the ACA did make healthcare more expensive for a lot of people, as I mentioned before, some just payed the penalty foe not having insurance instead of actually getting it because the penalty was cheaper.

  • @bewilderedboy1
    @bewilderedboy1 5 лет назад +39

    So glad I live in Scotland where we don’t even pay prescription charges when I hear about the mess of the US Healthcare system. I’ll keep paying my 24.7% tax thanks

    • @Thindorama
      @Thindorama 5 лет назад +1

      If you’re paying that in taxes, someone else is probably paying for you, net. So obviously YOU like it, you are the one getting the free wealth.

    • @Alarios711
      @Alarios711 5 лет назад +17

      @@Thindorama Ah the classic "rich people pay the majority of the tax burden". Debunked and still parroted ad vitam eternam.

    • @Thindorama
      @Thindorama 5 лет назад

      Alarios711 If he didn’t need a net income from the government, why would he advocate for a system that pays for him instead of just paying money he already has for it?

    • @superdau
      @superdau 5 лет назад +11

      ​@@Thindorama
      That is part of the point of universal health care and also what any sane society, where people care at least a bit for each other, should do.
      Btw. a wealthy person still has more money after paying taxes than a person that isn't as well off. Just in case you didn't do the math.
      And to burst your bubble: here in Austria for example the amount you pay to health insurance has an upper limit. So someone who earns a million a year doesn't pay anything more than someone who earns something like 70000 (I don't know the exact number). So much for the "poor" rich people who have to pay for everyone else.

    • @Thindorama
      @Thindorama 5 лет назад +1

      superdau Being forced to pay anything for anyone else is unjust.

  • @kentw.england2305
    @kentw.england2305 4 года назад +33

    My brain melted at 24 minutes and I was a rocket scientist.

    • @EyedMite
      @EyedMite 3 года назад

      Rocket scientist , why do you need to research health insurance? You should be fine financially .

    • @sciencemanguy
      @sciencemanguy 2 года назад

      @@EyedMite AHAHAHASHAHAHAHA
      As an engineering student looking to get into Aerospace, rocket scientists and astronautical engineers make shit money. Whichever ones do make decent money work with missiles and death bombs. The jobs are also super seasonal and unstable unless you work for aforementioned companies / sectors.
      In short, if you don't mind your stuff being used to kill people, you can make money. Otherwise, it's ramen for you!

  • @Shibbymatt
    @Shibbymatt 5 лет назад +79

    That intro gave me hypernatremia.
    Hyper meaning high, natre referring to sodium and -emia meaning presence in blood.
    High sodium presence in blood.

  • @Naruedyoh
    @Naruedyoh 5 лет назад +89

    Interesting. Let me tell you how we do it in Spain
    You go to the doctor, get treated. Maybe get some discounted drug or an operation without cost. Then you go to your house without having to pay a single cent more.

    • @معرفةوترفيه-ت2ظ
      @معرفةوترفيه-ت2ظ 5 лет назад +20

      I once had a dangerous injury while playing football with my friends and the only cost I payed was the taxi fee. Keep in mind my country was (and still is) in a civil war but the idea of not having free healthcare is probably rejected by literally everyone in the country.

    • @jpe1
      @jpe1 5 лет назад

      Naruedyoh that sounds excellent but what keeps people from flooding the system with trivial or even made-up medical conditions? Basic economics tells us that the lower the cost for a good or service the higher the demand.
      For example, I have a benign growth on one of my toes, it grows to a certain size (about 1cm in diameter) and stops, and when removed it promptly grows back again to that same 1cm size. When I was younger I would pay the cost (about a week’s pay) to get it surgically removed every two years or so (it will always grow back) but in my early 30’s I stopped bothering, decided to save my money for other things. If health care were free then I might well go every few months to get it removed. Costs are a powerful guide for behavior, when costs don’t exist what guides us? And I’m not even talking about people who believe themselves to be sick when they aren’t.

    • @Naruedyoh
      @Naruedyoh 5 лет назад +27

      @@jpe1 Are you really trying to portray helthcare as an economic question rather than a social issie we owe each other as citizens?
      Simple: head doctor determine if something is harmfull or not. If it's not, they tell the patient, if it is, they prescribe medication or derive to a speciallist to diagnose further.
      Also, healthcare is Spain is focused for treatment that resolve the core of the aillment. In your case, if it's not crucial to your lifestyle, most surelly you wouldn't get operated unless it's harmful.
      Really, stop seing healthcare as an economic thing.

    • @Naruedyoh
      @Naruedyoh 5 лет назад +22

      @@jpe1 Also: Common sense... Really, people don't go to the doctor unless they are somewhat concerned. Yeah, maybe some people missuse the healtcare system, but it¡s not on a level to be bothered. It's still more affordable to just have public hospitals and health centers and having almost no one dealing with payments

    • @jpe1
      @jpe1 5 лет назад +2

      Naruedyoh I think you have very insightfully got to the core of the debate about health care in the USA. Many (most?) people view it in purely economic terms, it would seem as silly to them to offer free health care as to offer free car repairs, both are things that people with money get, and people without money don’t get.
      (I am most definitely *not* in that group, from a humanitarian point of view I think health care should be universally available like clean drinking water, but even water needs to be paid for somehow by someone)

  • @thewiiuwiiucart2498
    @thewiiuwiiucart2498 5 лет назад +281

    Me, an European, after this video:
    Wait,
    What?

    • @misery8264
      @misery8264 5 лет назад +22

      Same over here. Imagine your child gets cancer and they take your house because - treatment is expensive 0_o

    • @riccardoorlando2262
      @riccardoorlando2262 5 лет назад +40

      I mean, I live in Italy and even we have a better system. Look, we're not a hard nation to beat.

    • @GoErikTheRed
      @GoErikTheRed 5 лет назад +20

      Me, an American, after this video:
      Yeah,
      I still don't understand how it works.

    • @Procrustinator52
      @Procrustinator52 5 лет назад +3

      @@riccardoorlando2262 Dude even in turkey you don't pay for these

    • @megahunterkiller
      @megahunterkiller 5 лет назад +2

      Honestly the healthcare situation in the US is fairly simple and, holding all of the nuance and minute details at bay, is fairly straightforward. No insurance company or hospital will expect all of their policy holders/patients to have a full understanding of the legality and financial aspects of their policies.

  • @sweettea3879
    @sweettea3879 4 года назад +22

    I'm a junior in high school, completely oblivious to taxes, all types of insurance, grants, and loans bc we were never educated about these things. The thought of me having to deal with these concepts in less than 2 years legit puts me in a depressive state.

    • @gagan.dee.p
      @gagan.dee.p 2 года назад

      You don't have to worry about it. You are an American. That means you can become the next Elon Musk. # Trump 2024.

    • @simunator
      @simunator Год назад +1

      don't worry, just stay healthy but maintaining your fitness

    • @marcoboscarol2420
      @marcoboscarol2420 Год назад

      Dont worry, after you died because you cannot pay enough money for whatever health problems you may have in the future, there will be no more problems. XD

  • @adrianaadrian6759
    @adrianaadrian6759 5 лет назад +7

    Thank you so much for making this video!At the beginning of this year I lost my Medi-cal after turning 18 and I've been without insurance for almost a year. After getting a second job in hopes of getting benefits only to find out they decided to have me part time and not full. I decided to go through Covered California for insurance and I was presented with a bunch of option including the medal tiered be plans. I was completely lost then you uploaded this video. Thank you so much!

    • @throwback74
      @throwback74 5 лет назад

      I have absolutely been there! Covered California will set you up with an insurance counselor person for free who can help you understand all of your options and how everything works if you need it

    • @adrianaadrian6759
      @adrianaadrian6759 5 лет назад

      Really? I didn't even know that, I'll look into that. Thank you so much!

    • @throwback74
      @throwback74 5 лет назад

      @@adrianaadrian6759 no problem! I think you just go to the covered California website and follow the "get a quote" link, but I don't remember for sure, it's been about a year since I did it. I'm sure if you Google around you can find info on it though!

  • @DahVoozel
    @DahVoozel 5 лет назад +130

    "I'm sorry, the policy says 'MOOPS,'"

    • @Zanzopan
      @Zanzopan 5 лет назад +8

      Innuendo Studios came out with a new Alt-Right playbook video so I rewatched the series and this was my thought aswell.

    • @totallynotjeff7748
      @totallynotjeff7748 5 лет назад +3

      I am cursed to get every reference.

    • @Wafflepudding
      @Wafflepudding 5 лет назад +1

      Moors!

  • @KvatchIsInDanger
    @KvatchIsInDanger 5 лет назад +6

    Conveniently for me, I turn 26 on Nov. 1st and have been working at a company with great health care for the last year and will now be able to make an informed decision regarding the plan I choose. Thanks!

  • @Dash62g
    @Dash62g 2 года назад +6

    As a Canadian, when this topic's brought up there's almost always the "go ahead, laugh" point in the conversation but laughing is the last thing on my mind. I have friends in the US I care quite a lot about and I'm abhorred at the fact they could, at any moment, go into debt for tripping and hurting themselves.

  • @nnmmnmmnmnnm
    @nnmmnmmnmnnm 5 лет назад +141

    This is one of the most frightening videos I have ever watched. I live in England. Our government wants to move to your system and dismantle the NHS.

    • @servel2
      @servel2 5 лет назад +28

      Oh God no

    • @charlescalthrop2535
      @charlescalthrop2535 4 года назад +21

      NOOOOOO!! I’m not even British and I’m guttered!

    • @pt8306
      @pt8306 4 года назад +22

      There's a great video about it actually, talking about how the conservatices want to gut both the NHS and the UK Welfare system and replace them both with horrible private systems that barely work. Wait...SARGON made that video? The UKIP, conservative, Labor hating Sargon? WTF is going on!???!?!?!?

    • @leebrondum2643
      @leebrondum2643 4 года назад +12

      not true tho is it. The NHS is 22% private however, most of that includes GP surgeries, dentists, opticians and pharmacies that were private from the NHS’s inception. In the past 9 years, the level of private care has been between 20-22% and Regardless of whether we include charities or not, private spending is actually proportionately lower in 2018/19 than it was in 2015/16. However, it was Tony Blair that began introducing more of the private sector into the NHS and even privatized a whole hospital, Hinchingbrooke hospital, in which the Tories brought under public control again

    • @10gamer64
      @10gamer64 4 года назад +1

      Well then you must riot, and protest against, if Rwanda can do it, you can, do you want to have you and your people suffer. I live in the US, and in not-soviet Russia, healthcare is free,

  • @d_dave7200
    @d_dave7200 5 лет назад +72

    This was a great video in almost every respect, and I had to upvote.
    However, it's kind of a shame that you mischaracterized the UK healthcare system. The UK system is fantastic, but it actually goes further than M4A, because in the UK system hospitals are also owned by the government. It's fully nationalized healthcare, not national health insurance. There aren't a lot of countries with a M4A type system, but the closest would be something like Canada or Spain.

    • @jeffii9890
      @jeffii9890 5 лет назад

      It may have been a great video from a layman's point of view, but from a licensed insurance agent's point of view it is severely lacking while he passes it off as "complete."

    • @sweetpeabee4983
      @sweetpeabee4983 5 лет назад +7

      @@jeffii9890 ???? Did we watch the same thing? Pretty sure he says in the video that it's meant as a general overview, not a complete, in-depth discussion...?

    • @jeffii9890
      @jeffii9890 5 лет назад

      @@sweetpeabee4983 We did watch the same thing, but from different points of view. I'm a professional insurance agent.
      I only remember him saying overview about medicare, though I could've missed him saying it at a different time. He can say it all he wants, but the title and presentation portray him as an expert or at least someone with in depth knowledge. He's not and doesn't possess it.

    • @Moldymessiah98
      @Moldymessiah98 5 лет назад +4

      Yeah good point its called the National Health Service for a reason. The UK largely views healthcare as a service, not a business to be profited upon.

    • @WizbizMcBrix
      @WizbizMcBrix 5 лет назад +11

      @@jeffii9890 Alright then, go on. Defend your entire field. Convince us why private insurance is the way to go, and why we should continue to pay more for healthcare than any other developed nation.

  • @briangarrow448
    @briangarrow448 5 лет назад +42

    People don't realize they are ALREADY paying for uninsured citizens who need hospitalization.

    • @humansvd3269
      @humansvd3269 4 года назад

      The cost of paying for everyone vs a "free" is drastically different and insanely priced.

  • @caijones156
    @caijones156 5 лет назад +125

    honestly hearing that stitches cost $300 + sounds ridiculous for someone in the UK, you just go to the doctor and its done (ok this might take liberties with the time scale)

    • @charlescalthrop2535
      @charlescalthrop2535 4 года назад +6

      Cai Jones I know. U.S. healthcare is mental.

    • @crimson6952
      @crimson6952 4 года назад +7

      @@charlescalthrop2535 the US healthcare is the best, it just costs more.

    • @kireba268
      @kireba268 4 года назад +4

      Its Vetter if youre rich if not well

    • @dickhamilton3517
      @dickhamilton3517 4 года назад +3

      well, that's exactly what happened last time I cut myself badly. I went to the doctor. They ( actually the practice' nurse) sewed me up and told me to be more careful in future.

    • @Rob81k
      @Rob81k 4 года назад +17

      @@crimson6952 Ask yourself: do I know this from experience or from reading studies, or did someone tell me (over and over) and am I just believing. Maybe you should experience some healthcare in other countries, you'd be amazed. Or not, oh the blissful ignorance.

  • @Dankdalorde
    @Dankdalorde 5 лет назад +85

    “...can’t shop around during emergencies.”
    Challenge accepted 😎

    • @timogul
      @timogul 5 лет назад +5

      "Now I've got an ER the next state over on the line, says they can do this procedure for 5% less. You think you can match that?"

    • @adamcurtis8754
      @adamcurtis8754 5 лет назад

      While checking to see if the ER in the next state was in network, I bled out on the phone with customer service. Oopsie!

    • @chongjunxiang3002
      @chongjunxiang3002 5 лет назад +1

      MrBeast producer: Oh god no!

    • @lnas1892
      @lnas1892 5 лет назад +4

      I wAnT To SpEaK tO yOuR SuPperVIsOr diz is unacceptable!!! *Bleeds out*

  • @Yt-jc5sj
    @Yt-jc5sj 5 лет назад +4

    you work so hard and do so much research for your videos. You're one of the best. Total respect

  • @BrightEyes83
    @BrightEyes83 5 лет назад +8

    i somehow missed this when it was current, but i've seen it now and it's been fantastic.

  • @travishughes7221
    @travishughes7221 10 месяцев назад +1

    I kinda miss this style of video! Some of the best educational content on RUclips.

  • @johnsnow5305
    @johnsnow5305 5 лет назад +81

    "I hope you accurately predicted the medication you'll need in the future."
    Yep...

  • @MeganMcIntosh
    @MeganMcIntosh 5 лет назад +4

    I am from the USA but have been in Belgium for ten years. I didn’t realize how stressful the US system was until I didn’t have to deal with it anymore. Love Chubby Emu’s channel too! Also I think I recognize your Brit friend’s voice that makes an appearance too but I can’t quite place it. 😁 This is good quality RUclips.

  • @ToddHowar.d
    @ToddHowar.d 5 лет назад +9

    1:37 if stitches on your eyelid sound horrifically painful or itchy, yes on the inside they are.

  • @rickdalton9351
    @rickdalton9351 5 лет назад +31

    This feels relevant considering current events

  • @WillhelmSundman
    @WillhelmSundman 5 лет назад +22

    105$, that's the maximum you have to pay in Sweden in a year regarless.

  • @DotAHeaD-JamieJupiter-Xander
    @DotAHeaD-JamieJupiter-Xander 5 лет назад +15

    Man I absolutely love watching your videos. Your narration and video composition are among the best on RUclips if not on par with the best of educational media altogether.
    Really really glad you took it upon yourself to make this channel and manage it so well. I keep coming back and I'm never disappointed.
    Thanks for making and sharing stuff like this. I can't binge watch enough of it.
    Love it.

  • @LDProductionsClass
    @LDProductionsClass 5 лет назад +60

    Knowing Better: Medicare won't affect my audience for decades
    Bernie/Warren: Hold my beer

    • @anderssimonsen4652
      @anderssimonsen4652 5 лет назад +3

      Word

    • @12yearoldcodfanboy60
      @12yearoldcodfanboy60 5 лет назад +21

      LDProductionsClass Bernie but not Warren. She’s being a wuss right now and I’m predicting that if she gets the nomination, she’s gonna pivot on Medicare for all; and go for some broke ass Warren-care or some shit.

    • @AdamSmith-gs2dv
      @AdamSmith-gs2dv 5 лет назад +5

      @@12yearoldcodfanboy60 If she gets the nomination she's going to lose to Trump. We already know how bad her debate skills are and if can't manage Tulsi she's not going to be able to stand up to Trump

    • @caslaBBalsac
      @caslaBBalsac 5 лет назад +5

      Warren WILL NOT do it, she's been taking Corporate money, Buzzfeed and many other caught her doing this.

    • @koneal2000
      @koneal2000 5 лет назад

      @@caslaBBalsac tbh most of the dems are taking corporate money.

  • @scottbeard9603
    @scottbeard9603 4 года назад +3

    Great video! One small point is that VAT in the EU and UK is ultimately collected at the point of sale. As a transaction tax, it is paid at every stage of the supply chain, but businesses can usually recover all of the VAT they pay on supplies. Ultimately the customer pays the VAT at point of purchase. (There are exceptions where businesses aren’t fully taxable, but they are relatively rare).
    I’m a VAT advisor in the UK

  • @Forensic1Man
    @Forensic1Man 5 лет назад +4

    Thanks for a great video!! You had to study a lot of material to make this video so clear and interesting. You are the best and "Knowing Better" is a really valuable site for us all! Good work!

  • @kd1s
    @kd1s 5 лет назад +6

    One of the most interesting thing I ever participated in was helping prosecutors prove a local M.D. was upcoding his Medicare patient visits. I won't tell the whole story but the I.T. guy from the billing company and I ended up working in the same place.

  • @jennathepeculiar422
    @jennathepeculiar422 5 лет назад +5

    can we just talk about this background and lighting real quick? i’m in love with it haha

  • @mariojasso2743
    @mariojasso2743 4 года назад +4

    Loved the video, I am an independent health insurance agent, and honestly I really appreciated this video. Great job!

  • @levygaming3133
    @levygaming3133 4 года назад +19

    “Smartphones...are the same everywhere”
    Samsung exynos: allow us to introduce our selves.

  • @hemidas
    @hemidas 5 лет назад +92

    Me after watching the video: "I get it... *I don't get it!*

    • @vicmorrison8128
      @vicmorrison8128 5 лет назад +2

      As designed.

    • @JamieRobles1
      @JamieRobles1 5 лет назад +1

      like the agreement information packet you get with every and any credit card you get.

    • @artificialavocado9652
      @artificialavocado9652 5 лет назад +1

      Who knew healthcare was so complicated...

  • @Amateur0Visionary
    @Amateur0Visionary 5 лет назад +24

    "25ish"
    Sounds legit ;)
    Don't worry, my friend. I won't tell.

  • @nibiyabi
    @nibiyabi 2 года назад +2

    My wife and son are on a PPO plan, and tons of doctors are out of network. We also need prior authorizations constantly. My son saw an ENT for 15 minutes at an in-network hospital, but the ENT turned out to be out of network, so we were charged almost $2000 out of pocket, which did not count toward our MOOP. That was the worst example, but we had about half a dozen similar ones. We tried calling ahead each time to ask if the person was out of network, but the hospital told us that we had to call the insurance company and the insurance company told us that we had to call the hospital, so it was a game of Russian Roulette every time.

  • @jasonjacksonii1805
    @jasonjacksonii1805 5 лет назад +145

    Conservatives, "competition is key to the economy"
    Conservatives, "nothing is wrong about allowing companies to offer healthcare, that in no way reduces competition. Making it so that healthcare is impossible for everyone to afford without insurance, and that corporations can remove that fear while small business can't"

    • @Voxphyle
      @Voxphyle 4 года назад +16

      It isn't competition if they can't compete. That's the common mistake people make about free markets. It isn't a free market if you use the government to stifle competition. (Like not allowing nurse practitioners to do routine work they are capable of for half the price of a doctor, even knowing we've had a projected doctor shortage for decades.) And how do they do that? Certificate of Need laws is one very big way.

    • @10gamer64
      @10gamer64 4 года назад +2

      Its just there are only so many patients, a new burger joint increases demand, new hospitals do not.

    • @scottgrohs5940
      @scottgrohs5940 4 года назад +1

      The term free market has been grossly literalized over the past forty years. So, what we see today is devolved into economic Darwinism.

    • @Voxphyle
      @Voxphyle 4 года назад

      @@scottgrohs5940 Economic Darwinism how?

    • @niklasmolen4753
      @niklasmolen4753 4 года назад +5

      There are some areas that the free market is not able to handle in a good way. The largest are the military, police, fire brigade, hospitals and schools.

  • @HazyJ28
    @HazyJ28 5 лет назад +18

    I really like the fundamentals of your teaching structure. You explain everything clearly and visually. If only you were in my High School, maybe I wouldn't have fallen behind and dropped out.

  • @Misternerfer55113
    @Misternerfer55113 5 лет назад +95

    Me: time to be an adult and learn about health insurance.
    KB: pee-pee-oh
    Also me: hehe he said peepee

  • @LFPAnimations
    @LFPAnimations 9 месяцев назад

    I know this video is years old, but it is still a good reference for us young people who just got kicked off our parent's plan. I think one metric that is particularly interesting is the rate of entrepreneurship in Scandinavian countries (some of the highest in the world) was attributed to their solid social safety net.
    It turns out that if you don't need an employer to provide healthcare individuals are more likely to take a risk and start their own business. It is literally more capitalist to have universal healthcare.