If your doctor tells you that you need this potentially life saving procedure or diagnosis, but your insurance company denies it, then your doctor is not the one in charge of your health.
@taahasiddiqui1071
Жыл бұрын
Off not, your wallet is
@NovaStrike118
Жыл бұрын
Insurance Companies are in charge of your health. They get to choose which medicines and treatments you do or don't get... which means they're practicing medicine, without a medical license.
@Rolandasvt
Жыл бұрын
@@NovaStrike118 this is such a fact I remember I needed to go to therapy because I had a double knee surgery and my insurance kept on denying the form of therapy. My doctor wanted which was two weeks of heavy therapy and my doctor kept on making appeals my insurance kept on saying no, and they would only approve three weeks of basic therapy. Insurance companies will always pay for the cheaper procedures or medication, and would only approved if you need it.
@glenmcgillivray4707
Жыл бұрын
A doctor will know a cat scan will show nothing related to your condition. The MRI will offer the resolution to inspect your health. But Cat scans are cheaper. So the insurance insists we do it first and confirm how useless it is, then try to find an alternative MRI provider, who will also lack the resolution and has a waiting list, so you end up with 3 scans done for a proceedure that could have been done in house within the week and take months. All to save your insurance company some possible cash
@millasboo
Жыл бұрын
They aren’t but they can be ethically unethical and go around the system. Though this is a big big gamble as it can potentially be the downfall of a hospital if found out
@scenepunk09
Жыл бұрын
Anyone who says health insurance in this country isnt a scam is getting money from that scam.
@mlee6050
Жыл бұрын
It's not, oh wait I am in UK
@manuelight
Жыл бұрын
it’s definitely better than not having health insurance. you gotta change the whole system and pay taxes to health care instead of guns and coke
@Excaliber158
Жыл бұрын
@@manuelight It’s not though. The best alternative is to put people in office who support universal health care. Know what doesn’t have to be argued over if everyone is on the same plan? Administration. It’s all the same. Complexity goes way down. We can let doctors handle medicine.
@scenepunk09
Жыл бұрын
@@mlee6050 lucky!
@scenepunk09
Жыл бұрын
@@manuelight I know. The stress of not having health insurance is real. Also I have a friend who isnt in the best of help who refuses to get health insurance even after a really bad incident. Its very worrisome.
@errol484
Жыл бұрын
"The objective of the insurance company is not to pay." Once you recognize this as both a patient and a physician, everything about the medical insurance industry will begin to make sense.
@PowerPerPound
Жыл бұрын
Without a doubt this is the biggest take away and it begins to explain otherwise baffely things they do like suddenly denying coverage for a medication you've been receiving for months to even years. They will eventually apologize, give a bs excuse and cover the medication but by that time it's been weeks or even a month and that's extra dosages they don't have to pay for.
@Veri7a
Жыл бұрын
Its not unique to them, this is every insurance. I think Medical passes around the most money however. Especially given how unhealthy Americans have become. Lots of predatory money to be made there unfortunately.
@mikezappulla4092
Жыл бұрын
I realize this as a patient and a physician. What is suppose to make sense now?
@TheAnnoyingBoss
Жыл бұрын
Its called fraud and its a crime. If they dont want to pay they shouldnt be an insurance company
@benjaminlehman3221
Жыл бұрын
Yep. Sad but true. You can’t blame the insurance companies for doing what’s best for them. They need to make money. Insurance companies hope you never get sick. Problem is it causes all of those issues like the DR described.
@sjenkins91812
16 күн бұрын
No insurance specialist should ever be allowed to argue with a medical specialist about how to do their job.
@izabelle382
Жыл бұрын
I’m a neurologist and I am now convinced health insurance is the biggest scam. This is the first time I hear another physician verbalize this on KZitem. It’s the bane of my existence
@A_Hylian_Not_An_Elf
Жыл бұрын
It’s really sad to think about how many deaths could have been avoided if the health insurance system wasn’t so corrupt.
@antoniogallardo577
Жыл бұрын
Nice name (:
@daniellescott477
Жыл бұрын
Very true Dr. Very true 👍🏽
@andrewmikewilson
Жыл бұрын
I'm a TBI and I had to learn a lot of math to hack the system to get my basic needs.
@pixpusha
Жыл бұрын
Of course it's a scam. How else would they make money?
@DildoSchwaggins1
Жыл бұрын
Kinda crazy how insurance companies, who don't have any degree in medicine, are able to decide what is best for a patient.
@nadzrinpuad1283
Жыл бұрын
Bcoz insurans not profitable. They loosing money..
@uroczytofu
Жыл бұрын
@@nadzrinpuad1283insurance* is very profitable. People are paying for insurance only for the company to fight them like they're about to get abolished so they don't have to pay. An insurance company would rather see you die than give you the money you gave them.
@Inaa23
Жыл бұрын
They have doctors, therapist and nurses that work for insurances. I talk to plenty of them all the times.
@jordanfelt5978
Жыл бұрын
@@nadzrinpuad1283 clearly you don't know much about insurance. Most insurance companies have been around for awhile, and there's a reason for that. Because they are profitable for themselves.
@captainteeko4579
Жыл бұрын
Like politicians who decide on autonomous/medical rights of people’s bodies 🫠
@alicat9173
Жыл бұрын
“But again the objective of the insurance company is not to pay” And that right there is why it's a scam.
@dekipgamer
Жыл бұрын
Insurance companies: we don’t want to fulfill our purpose bit instead ruin an innocent cancer patient life because otherwhise it will cost us a little money
@nil_system
Жыл бұрын
With how the behave like they got free health care it’s fare game to me
@karlieriviere8445
Жыл бұрын
Literally like the whole point of insurance is to pay? Like??
@nil_system
Жыл бұрын
@@karlieriviere8445 yeah but when u realize how fked America is and how much dumb people they have it gotta be hella expensive
@karlieriviere8445
Жыл бұрын
@@nil_system which is why all these ppl in America are paying for insurance💀 being dumb shouldn’t affect your healthcare🤷🏽♀️ if anything you need it more cuz you’ll get into accidents by doing dumb things
@nuuget6996
2 ай бұрын
I work for a speciality pharmacy, and having to tell a 3 year old's parents that their insurance doesn't deem their child's cystic fibrosis meds as necessary so they're not paying is what changed me. The amount of conversations i've had with patients where i've had to tell them their insurance plan won't cover their life-saving medications and/or won't let them enroll in copay assistance has made me vow to NEVER work anywhere near health insurance companies ever again. They aren't helping people- they're killing people.
@Rhanyra
19 күн бұрын
I used to work in prior auths, anytime a med is denied the patient/doctor has a right to appeal and GENERALLY it gets approved the second time around.
@chiarac3833
18 күн бұрын
Yes, and you notice that the meds they freely give will kill you. Think statins and the like. It's sad.
@heknows9441
17 күн бұрын
Literally doesn't make any sense at all.
@Stevewilldoit96
17 күн бұрын
The US is the only 1st world country that doesn’t have universal healthcare. Place like Australia, Norway, Canada, Germany, and the UK don’t have these problems.
@chiarac3833
16 күн бұрын
@@nuuget6996 think about the veteran who used to pay $25 co-pay for pain meds but now pays out of pocket hundreds each month. Either that or go without... ridiculous in my opinion.
@naureenscreativecorner7354
Жыл бұрын
As a physician...I tell patients that Insurance companies aren't anyone's friends
@hoaxygen
Жыл бұрын
And as a consumer and a patient, I'm left wondering why I should be paying for this service if it's useless when I need it most. How come I have to pay and they don't? This needs a major reform.
@naureenscreativecorner7354
Жыл бұрын
@hoaxygen many people have demanded reform or removal of insurance, but politicians get lobbied by insurance companies, who don't allow reforms to happen
@allme813
Жыл бұрын
FACTS! An I worked for them for a long time. Believe this comment.
@APolishPlayer
Жыл бұрын
@@hoaxygenstart hanging people
@The_king567
2 ай бұрын
Yes they are
@snowleopard1831
Жыл бұрын
Every insurance company has an entire floor of employees dedicated to making sure you as a customer don't get your bills paid, and don't get the care you need.
@dickrichard5579
Жыл бұрын
And I hope they burn in hell
@NaturePNW
Жыл бұрын
My lady had our kid last August. Still getting bills. Each one is an argument. The latest one was 1800$ Kaiser claims we didn't have insurance. We did. What a joke
@dors6143
Жыл бұрын
Entire floor? The entire insurance company. With one small office signing up new victims
@christopherb501
Жыл бұрын
Remember Republicans chastising "Obamacare" because of "death panels"? Always projection; always.
@tyardovdabulldht2340
Жыл бұрын
SOUNDS LIKE REPUBLICANS!
@elainebelzDetroit
Жыл бұрын
Her last line is really important. Insurance companies literally make their money by denying care.
@danielm4436
Жыл бұрын
Not just in Healthcare too. Car insurance, fire insurance in california. I know people who got a ten thousand dollar increase in their fire insurance this year. How are people supposed to cover that? It's criminal.
@NathanHedglin
Жыл бұрын
FALSE. That's not the function of insurance
@itsnotatoober
Жыл бұрын
@@NathanHedglin I thought this comment was obvious but apparently there are some meatheads too dumb to even understand it
@bigdrill8881
Жыл бұрын
@@NathanHedglinIt certainly is from the insurers point of view.
@King__B.Logical
Жыл бұрын
Insurance agent here. That’s not the function of insurance companies. Insurance, depending on the insurers plan/policy is to get covered of what could be lost. It’s a transfer of risk.
@merrywalsh2809
5 ай бұрын
I worked as a triage nurse for a group of cardiologists. Once, an insurance rep wanted to know why the doctor ordered one test and not the one she thought should be done. In exasperation, the doctor told me to tell her, “because I am a cardiologist, and you are not.” Half the practice was spent on this nonsense. When I retired, I chose straight Medicare, not an HMO or Advantage plan, just so I would not be denied care by some bureaucrat in an office somewhere.
@tylerfb1
21 күн бұрын
Ummm, it’s Medicare, that’s exactly what will happen, and probably worse. At least, Medicaid is for sure.
@lunallena5594
16 күн бұрын
Medicare doesn't cover everything.
@merrywalsh2809
15 күн бұрын
@@lunallena5594 Correct. Forgot to add, I got a supplement which picks up the rest. The supplement does not have to pre-authorize or deny what has already been paid by Medicare, far as I know. It just seamlessly pays the rest. If you get off Medicare and go to an HMO or Advantage plan, you can NEVER go back. I highly recommend Medicare plus supplement unless you cannot find providers in your area who take Medicare. Plus, Medicare is the best if you like to travel in the U.S., but will not cover you internationally.
@PaulGuy
14 күн бұрын
@@lunallena5594IT'S SUPPOSED TO. That's why it's called health _care_ and not health _negotiations._
@victorialander
11 күн бұрын
It covers everything IF you pay for add ons such as doctor visits, pharmaceuticals, etc. Medicare does cover hospital stays even if you dont pay the extra for full coverage, therefore, there's no one to say yes or no during the hospital stay, no insurance people to contend with. You will be getting the bill from the doctors and anything else that was used to treat you during that time. Insurance is outrageous and definitely a scam.
@marymccarty9374
Жыл бұрын
He is correct. It's disgusting. I had an insurance company deny a patient's right to go home and die. After arguing with them for over an hour I hung up. They later called me back and told me after they thought about it they decided that they were going to let that patient go home. Patients rights are being controlled by insurance company personnel who may or may not be having a bad day.
@printingwithpeek4897
Жыл бұрын
No, he's not correct. He's looking at a symptom of a much larger problem. Certificate of need laws.
@FrancisR420
Жыл бұрын
@@printingwithpeek4897 I don't know if you think writing "certificate of needs" is like a good enough explanation but when I Google it it says that it's something that prevents medical companies from large scale expenditures like new buildings. Doesn't seem to have anything to do with medical rights, insurance, or doctors. doesn't seem to contradict or really have anything to do with anything in the video You're really going to have to walk us down this road.
@aangranaa5352
Жыл бұрын
@@FrancisR420 thank you for fact checking for us homie
@indigoechos6796
Жыл бұрын
@@printingwithpeek4897 death shmeath babe 😘 buncha babies they are
@printingwithpeek4897
Жыл бұрын
@mauirandall8176 No, it prevents local emergency cares from purchasing equipment that is at a smaller scale such as MRIs, EKG machines, etc. It reduces competition and that's just one example of how government makes Healthcare more expensive. We had the cheapest medical care in the world until FDR made laws requiring insurance for private companies a thing.
@suejohnson2608
Жыл бұрын
Amen!! I’m a nurse. I miss being “just a nurse”. Now I’m a coder, insurance rep, biller, secretary, hostess, pharmacist, referral specialist, etc….the list continues to grow.
@fardinarnob5057
Жыл бұрын
you making bank
@DantheManZ-wn6zg
Жыл бұрын
@@fardinarnob5057 Possibly making same or similar amount as "just a nurse"
@LogicalNiko
Жыл бұрын
To be honest I wish I could get out automation applications for this faster. It’s being worked on, and unfortunately that is just taking time. But the number one request I see in the field after providing a solution to help reduce physician work intrusions on (“pajamas time”) is those physicians begging to get more products to nursing staff. As nursing mental stress is unfathomable.
@bribrownrobinson4934
Жыл бұрын
Understood. The work just continues to be passed down the line. I’m a pharmacist. We complete prior authorizations, therapeutic interchanges, etc. on the behalf of providers.
@HOSS257
Жыл бұрын
@@fardinarnob5057nurses don't make bank. My mom is a nurse with 30+ years experience and management and she still doesn't get paid her worth
@infernoarmor
Жыл бұрын
The best part is he's arguing with someone at the insurance company without a medical degree
@mariosblago94
Жыл бұрын
my responses to denials are usually along the lines of: "Can I please have your name down? So, when you kill the patient, I can point the family in the right direction."
@TheQu3tzalify
Жыл бұрын
I believe insurance companies do have in-house doctors and pharmacists that check the claims and make sure that it's coherent.
@mariosblago94
Жыл бұрын
@@TheQu3tzalify No, most don't. They generally just have a doctor signing paperwork in the background to comply with requirements but they don't pay them enough to actually discuss cases with the providers. Instead, they rely on cheap labor to be on the phone all day and deny claims as much as possible.
@olorin3815
Жыл бұрын
@@TheQu3tzalifyyeah there have been news how some insurance companies just made a system some things automatically get rejected and they just send them over to the doctor to mass sign a bunch of documents, actually they basically do that a lot then if you file a complaint doctor actually checks. So if some people dont complain for some reason insurance company just gets away with free money
@rachellobello
Жыл бұрын
@@TheQu3tzalifythis is correct! I knew an RN who did this, she got bonuses for meeting quota for denying a certain # of people. You can't win.
@catabat49654
2 ай бұрын
So when are we, as a country, going to file a class action lawsuit against the insurance companies for practicing medicine without a license? Because is they’re making decisions on what medicines/procedures they’re going to cover, then they are technically saying what healthcare I should receive, and that’s PRACTICING MEDICINE
@AliciaGuitar
6 күн бұрын
I think we already did that back in the 90s but it didnt last, back to the old tricks again if they ever even stopped
@idiocracy2806
6 күн бұрын
Insurance companies hire doctors who know nothing about your needs. They are there to say no. They get a bonus for saying no and saving the company money. There is a special place in hell for these doctors.
@salishseas
9 ай бұрын
I’m an oncology nurse in Seattle. I have seen Group Health deny tests that would have saved the patient’s life. This needs to be criminalized. Insurance companies are killing people.
@denisesurber8176
6 ай бұрын
And raking in a fortune in the process.
@1retiredknight
6 ай бұрын
The real solution there is for all providers to stop accepting any insurance that requires pre-approvals.That would also mean refusing medicare and medicaid.
@joaquinvargas6351
6 ай бұрын
Politicians have stocks in these health insurance companies
@anflexboi
6 ай бұрын
That’s not true. There is no test that in a moment is going to save a life bc a test I not treatment and treatment is not instant. You all can vilify insurance but you won’t improve outcomed
@SpecialK711
6 ай бұрын
absolutely 💯 tests reveal vitally impt details needed to make informed treatment decisions. If they don't approve needed tests, then they don't have to pay for the treatments.
@kboyd268
Жыл бұрын
"The objective of the insurance company is not to pay." They should be BANNED. They have ZERO value in Healthcare.
@publicserviceannouncement4777
Жыл бұрын
Agreed
@zir456
Жыл бұрын
True, don't know who that person is but She sounded like people from Insurance company who always denied people no matter the reason to save more money💀
@abellyold4859
Жыл бұрын
They are rent-seekers.
@VierundDB
Жыл бұрын
@@zir456 That's Barbara Corcoran, of Shark Tank fame. I don't know her politics, but it's probably safe to assume 'Bad.'
@tgbluewolf
Жыл бұрын
Same for government. If we just let doctors be doctors and everyone else keep their noses out of it, maybe costs would come down, more people could pay their doctors, and more people might want to be doctors. Maybe also a barter system could help. Financial aid should come from local individuals or groups dedicated only to that; in order to be sure the person applying genuinely needs it rather than is trying to abuse the help, there are other, better ways to determine that than some bean-counter making health decisions for others. Unfortunately, at this point in history there's a better chance of discovering that unicorns and pegasuses?...pegasi?...whatever, flying horses lol...are real.
@gyinagal
Жыл бұрын
“The objective of the insurance company is not to pay.” That’s exactly why it’s unethical! The company’s continued existence depends on death and human suffering. We need a new system where human lives are not balanced against making a profit.
@JanuWaray
Жыл бұрын
The existence of the health insurance company in the US defeats its purpose. Gosh.
@annaw27
Жыл бұрын
Government oversight makes things worse.
@danilicious2308
Жыл бұрын
@@annaw27 yeah. Companies will totally not take the utmost advantage without any oversight. Just trust them bro.
@7PlayingWithFire7
Жыл бұрын
@@annaw27 Yeah thats why healthcare is better in other countries, bcuz oversight bad mkay lmao
@korhonenemilia1816
Жыл бұрын
@AW So you'd rather trust faceless people in companies trying to make a buck off of you, instead of officials you yourself elect and who have to put their name behind all decisions made? Please. Even if we assume utmost selfishness, the private company will rather have you die than to lose money, while the government official will *have* to do something to benefit you in order to get ee-elected, therefore they'll have more incentive to help the people.
@OSussannah
2 ай бұрын
In Australia, we all pay a levy through our taxation system. I can go to a bulk billing doctor, with no out of pocket expenses. Most of our prescription medications are also government subsidised, and we have free public hospitals. We can optionally pay additional health insurance, and then you have more choice with private hospitals and Doctors.
@Ms2cents
20 күн бұрын
May I ask how Australian gets taxed for this? Is it through your wages like a health care tax? What % of your income do they take? What if you’re homeless or unemployed?
@WarlocksHQ
18 күн бұрын
Yeah, we know the entire developed world has it better than us.
@HomeMain
18 күн бұрын
Need a roomate?
@Ms2cents
18 күн бұрын
@@WarlocksHQ I had a conversation with my psychiatrist a few years ago about free healthcare in Europe and how our our health insurance keeps going up and our deductible too keeps going up. On top of that, the insurance companies will limit the quantities of certain drugs and only covers a percentage of name brand drugs. Also, his office has a team of staff just dedicated to calling insurance companies just to get paperwork done and approval for treatments and medications they require because the psychiatrists don’t have time to argue with these companies on the phone all day. It costs them money and time with their own patients. My doctor said a lot of those countries have a higher income tax rates than we Americans, sometimes, 50% and some even higher just to cover everyone. Imagine covering all 340 million Americans and taxing them. I do think that because healthcare costs has balooned because it’s privatized and it’s not fully regulated by the government. It’s a corporation and its main goal is to make a profit no matter what. If it’s regulated by the government, they would stabilize the prices for treatments and costs of medication. That will be a huge undertaking and there’s going to be a lot of pushback from so many sectors that are interconnected to this industry. Because the government didn’t do anything before it became a big problem and instead politicians have been lining their campaign coffers with money from lobbyists on this field, we are now suffering the effects of this and our future generations as well.
@yxmichaelxyyxmichaelxy3074
9 күн бұрын
Your government subsidises medications? You mean everyone else subsidises your medications, as in the taxpayers. Here in Canada, none of our medications are subsidised by the taxpayer. Health Canada negotiates the price of medications for a fair, lower price. Big Pharma know that if they disagree with Health Canada, the medications will simply be copied and sold as generics at a far, far lower price.
@justanalthere2187
Жыл бұрын
She perfectly summed it all up in the last line. Most companies exist to turn a profit
@GBS4893
Жыл бұрын
No matter the consequences as long as they're fine
@RaulBetancourtC
Жыл бұрын
Capitalism in a nutshell. It's not about caring for each but about how to best exploit each other.
@ToyotaTacomaOfficial
Жыл бұрын
Yeah
@witnessg431
Жыл бұрын
Thats why we need medicare for all. Get rid of all these scam insurance companies.
@iandegiovani4703
Жыл бұрын
probably all of them.
@the0master200
Жыл бұрын
This is why I do not argue with the insurance company anymore. I tell them exactly what should happen and that it is medically warranted with the patient listening. We get this documented, and if they refuse i just tell the patient to file a case immediately. That gets results so much faster.
@sparklemotion86
11 ай бұрын
Yes, but their insurance can drop them. I’ve seen this happen to nurses, they’re always hurting their backs work.
@pysvtfa4
11 ай бұрын
They haven’t been able to do that since the Affordable Healthcare Act passed. Other things they can’t do: They can’t assign you doctors who don’t take your insurance without permission. There is no longer a pre-existing condition clause. Emergency care has to be covered if you’re somewhere in the country that doesn’t take your insurance. Unpaid medical bills don’t affect your credit score. Friendly reminder that this is the law that Republicans have desperately wanted to appeal. And everything except the pre-existing condition clause was added under this administration. Keep this in mind when you vote.
@the0master200
11 ай бұрын
@sparklemotion86 I don't know how it works in your country. Over here we can give the patient documentation of their needs and why it is necessary, if they refuse they get sued.
@sapphirelane1714
10 ай бұрын
@@pysvtfa4you know what else happened during this administration I’ll keep in mind when voting? My disabled, white male homeless friend was denied Medicaid; I, a black mother with a (once) hefty savings account & reliable support, was FORCED onto Medicaid after becoming disabled at work. Despite having more than enough means to pay for my and my son’s insurance, I was denied that, all while my homeless friend with no income was denied Medicaid and told his $0 income is enough to pay for insurance.😂 I will never believe democrats “care” again!
@mariacastillo8060
10 ай бұрын
There is a bad faith law that I found by doing my research after they low balled me but of course there is a statue of limitations how is this legal. We pay for a service and trust they will provide us and receive the service we pay for.
@FancyUnicorn
10 ай бұрын
"The object of insurance companies is not to pay" the root of the problem right there
@rs72098
6 ай бұрын
That's not necessarily the truth though. Insurance companies still make lots of money even if they make payouts. Especially if it's for lifesaving medications because they want the customer to stay alive to continue making payments. The U.S. health insurance is definitely monopolized by blue cross, so that's the real problem right there.
@thomascleveland9777
6 ай бұрын
Thats what i have been saying for years.
@1retiredknight
6 ай бұрын
That is the reality of the business. Insurance is gambling and every gambling establishment seeks to minimize pay-outs.
@The92Waffles
4 ай бұрын
@@1retiredknight I agree. its about time we stop making a healthcare a "business" and nationalize it... this is very uniquely an american problem
@TheNinjaFam
3 ай бұрын
Finally people are speaking out on this. Thank you! We need politicians to speak up.
@Nerazmus
2 ай бұрын
People have been speaking out on this for ages. But people don't own the government, companies do.
@Pottercraft278
11 ай бұрын
I had a supervisor several years ago who used to work for Aetna. She said that she was told to deny a medication for a patient and when she argued that it wasn't right, her supervisor said to her, "yeah but he will be dead before he can sue us over it." She said that was the final straw that made her quit.
@oreosaysb00
6 ай бұрын
That's a smart tactic
@brettlarch8050
6 ай бұрын
That’s pure evil.
@justr6982
6 ай бұрын
And now she's replaced by someone who will do it, and the major insurers have docs autodenying thousands of claims a day without reviewing them
@susiex6669
6 ай бұрын
@@justr6982Great, let that person deal with the negative karma of being employed in such a horrible position.
@dianal8520
6 ай бұрын
AETNA IS THE WORST INSURANCE COMPANY. I had my baby and three months later they sent me an EOB saying the would not cover the delivery costs because my husband also had insurance and baby should be under his policy because “his birthday is first in the year than mine”. Boy, did I fight! It’s all a scam!!
@WarriorStrong7278
Жыл бұрын
This is absolutely true. I have been a nurse for over 30 years. I now write appeals for the denials. Insurance companies will refuse to pay on technicalities no matter how medically necessary the service or hospitalization was! It is horrible.
@xleticiax22
Жыл бұрын
!!!!
@calicomm1481
Жыл бұрын
And time means nothing to them, they will “wait you out”. Hope you survive 😞
@snowleopard1831
Жыл бұрын
@@calicomm1481 The insurance companies hope you die so they don't have to pay anything out.
@navisanecrab9267
Жыл бұрын
Would you say Obamacare made things worse since then or has it not changed?
@snowleopard1831
Жыл бұрын
@@navisanecrab9267 Obamacare is the only reason things have held together this long.
@samuelschneider9067
Жыл бұрын
Auh yes, the hidden evil of insurance companies. Story: My family had to pay for my mom's cancer out of pocket. Not because it wasn't covered. They simply said. "Sue us, you'll lose more money and delay her treatment." I still remember as a little 4th grader when we simply did not have the money to continue treatment. Our community pooled money for the bill.
@vanessab.6682
Жыл бұрын
Wow! That's really nice of your community but you should still have sued. You might have gotten your money back to pay the community back. Maybe you still can.
@clashthegamer4873
Жыл бұрын
At that point you not only sue you try to blow the situation up in their face. If other people who use that company find out that paying customers were refused coverage for a life threatening illness they'll take their premiums somewhere else. I can't imagine how that won't add up to thousands of lost customers leading to millions in lost revenue.
@artifach
Жыл бұрын
Is this a US thing? I’m not familiar yet with how claims work in our country, but hearing more and more about insurance companies doing this really gives me second thoughts about getting health insurance
@austinhernandez2716
Жыл бұрын
@@artifach very common in the US
@j.a.c3813
Жыл бұрын
I would have brought this to the national news and the local government and attorney general's office.
@MakaykayLAMB
3 ай бұрын
As someone who has worked with an insurance benefits team. It’s hard as hell. That’s all they do is wait for approvals, retry if you get a denial over and over. They’re constantly stressed too.
@bjcomrie1
6 ай бұрын
“The objective of the insurance company is to NOT pay…”. As a Primary Care Physician, I agree with this statement, and that is the problem.
@Taniz7683
5 ай бұрын
Not to pay, yet charge you
@user-wj9bl5eu9o
5 ай бұрын
Well I should have read your post before I wrote mine.I agree with you
@mitchellwood4133
5 ай бұрын
Well I've got news for you buddy. The rich lady from tv thinks you're wrong.
@bjcomrie1
5 ай бұрын
@@chickontheright2771 I spend hours on the phone after patients are seen for their office visits, reviewing and defending the need for ordering the tests. Please don’t think most doctors don’t call the insurance companies back to complete peer-to-peer rebuttals to defend the need for these tests. The doctors are not in charge anymore. When the laws suits appear, however, the buck stops on the physicians’ licenses, which is why we call the insurance companies to plead our and the patients cases. Our phone calls also become our documented defense that we argued why the patients must have the tests performed.
@GoBoltsGo
5 ай бұрын
That’s why no insurance should be allowed to be for-profit
@JohnDeaux161
11 ай бұрын
‘The objective of the insurance company is not to pay’. Never ever forget that sentence as long as you live because it is as close to truth as you can get in today’s world
@nef11
Жыл бұрын
I have worked as a medical assistant and have been heart broken and stressed out when insurance companies don’t cover certain medications or imaging. Then we have to keep calling and sign forms which takes longer for patients to get appropriate care. I always felt bad when this happened, especially when they are older and can’t afford it :/. Insurance companies need to be held accountable. I hate passing by their giant fancy buildings 😑.
@soulfulfilled4382
Жыл бұрын
This is why people are moving to homeopathy and more holistic ways of healing, it will be health insurance company own doing when it crumbles. It’s called karma. How you treat people will be how you are treated. Especially when it comes to caring about another life. This will make folks who are desperate and not financially able turn to that form of healing and when they see it actually works instead of temporarily putting a bandaid on it, health insurance is in trouble. This could be what is destined to be anyway. Car insurance is no different. Insurance was stemmed from slavery anyway.
@joetoe9947
Жыл бұрын
@@soulfulfilled4382 … but there is also a problem with “homeopath/naturopath”- THEYRE TOO EXPENSIVE!”- particularly the, ahem, “well established” ones… RIDICULOUSLY EXPENSIVE!… “UNAFFORDABLY”- expensive!… “KEEP- LOOKING!”- expensive… effective “illness- treatment” SHOULD BE affordable- AND effective… sheesh! …
@Kyiecutie
Жыл бұрын
Hehe. I feel you.. but, now imagine being chronically ill, having a genetic disorder with no cure but available treatments and requiring frequent tests and imaging, and medications that are atypical for a 25 year old. Having medication allergies that mean you must be prescribed something that requires a 1-year prior authorization form just to get it sent to the pharmacy so you don’t have to pay $1,000 out of pocket. Having to see half a dozen in-network specialists because the one provider in your entire STATE who treats your condition does not accept insurance and bills $450 AN HOUR, and you can’t afford it after already spending half your paycheck on medical insurance. And you are responsible for figuring out half the billing because nobody in each clinic seems to be able to communicate with another clinic leaving YOU to do the leg work. Imagine having to be dealing with this day in and day out, with no medical training 🙂 and the insurance company, when you ask for more information, says “well I’m not sure, we’re not medically trained” and sees no irony in expecting patients who are not medically trained to do the work. All of this, all while being chronically ill, having a full time job and being in pain, twenty. Four. Seven. 🙂 it’s me. The story is my life.
@joetoe9947
Жыл бұрын
@@Kyiecutie … I’m empathetic about your situation and hope you find remedy… I too have had a need for remedy- and ZERO FAITH in the “allopathic” model (from prior experience)- and upon subsequently visiting with a “known” naturopath (of “Orthomolecular medicine”)- in which I paid upwards of $400 for a 1hr visit! (yes- “quite outrageous”/“absolutely- unsustainable”!)… there definitely needs to be a change (in favor of the individual requiring treatment) in how- “effective- less harmful/ MORE beneficial [curative!?] services and pricing for those “chosen” services are offered/PROVIDED!… best to you in your journey and DONT GIVE UP!- I haven’t!👍🏻
@im-gi2pg
19 күн бұрын
@@soulfulfilled4382holistic healing is very expensive. I can’t afford that either. The people need to rise up and throw the health insurance companies out NOW, not wait for trickle down karma. We are just as guilty because we are not demanding it stop. In 1973 there was no mention of health insurance companies- it was not the norm. If it was created since then, it can be “un-created.” It hasn’t worked. It’s harmed people. Get rid of it!
@angelalandgraf3547
21 күн бұрын
I once had a Dr. fight for me. I was still under my parents insurance (and about the age out) when I needed knee surgery. He fought with them to pay because the surgery was before my birthday. He also argued that the two follow ups needed to be covered by insurance because one was after my birthday but before the month was over and the other while after the cutoff was still related to the initial issue. Him and his team were successful and saved me THOUSANDS. God bless Dr.s.
@iamlsusam
6 ай бұрын
How dare the insurance company overrule your medical doctor. They should be prosecuted for practicing medicine without a license!
@queenj.8i895
5 ай бұрын
Technically, they don’t overrule him as the doctor, they just refuse to pay for what the patient needs. They tell the patient to pay themselves. That’s why it’s such a scam!
@margaret4807
5 ай бұрын
EXACTLY!! 👍 💯🙌👏🤬🖕🤬🖕🤬🖕🤬🖕🤬🖕
@shawntailor5485
5 ай бұрын
@@queenj.8i895cuz mobsters became insurance Co.CEOs .
@donanderson2264
5 ай бұрын
Technically,… they hurt us all. I’m an expat. Still having the cost of my medical insurance deducted from my social security. But I just self pay. And so far, it’s cheaper to pay 100% than paying my deductible or my owed portion of the bill. I don’t want to have another kidney stone take me down anywhere in the world. It’s all a crapshoot, but not for the insurance companies. Ever notice that their names are on the skyscrapers in the big cities?
@chrismay2298
5 ай бұрын
You'll keep paying for the system that kills you, expecting the people profiting from it to stand up for you... Braindead normies everywhere. 😂
@MsAshleyCulp
Жыл бұрын
Truth, I once had to tell a25 year old cancer patient that she had met her lifetime limit of treatment. Basically her insurance refused to cover additional treatments regardless of how much she needed it. She died nearly a year later. I knew i had to get out of Healthcare at that moment. It's been over 5 years and i still think about her...
@ashish4451
Жыл бұрын
The blood boiling hate I feel for the insurance companies after reading this message
@N0xiety
Жыл бұрын
If i was in her place i would find where the insurance company executives live, i have nothing to lose anyways, might as well go out kicking...
@TNikki93
Жыл бұрын
I’ve had similar experiences in school and it’s a big reason I decided against medical school at the last second. I hate the system and don’t want to be apart of it.
@AcesAlliance
11 ай бұрын
I don’t see how this isn’t murder. Death by neglect
@erickrodriguezarechiga7934
11 ай бұрын
@@AcesAllianceit is so tragic. Her life was not profitable, so they let her die.
@cynthiaskaggs6645
Жыл бұрын
Our insurance company denied paying for my daughters medical transport from our local hospital to a level one childrens hospital not once but twice. Both times the transfer was ordered directly by her pulmonologist, both times she had pneumonia and required oxygen and monitoring while in the ambulance due to a partially collapsed lung. Their reason for denial was that ‘I should’ve just driven her myself’. Insurance companies don’t care about people.
@nicoleowens2318
Жыл бұрын
You think that's bad? I was on Medicaid when my daughter died of SIDS. I recieved a $10,000 bill for the emergency services a few days later because she was dead on arrival, and I was confused. I got a letter from social services a day after that saying I "no longer qualified" for Medicaid because I no longer had a child at the time she was transported. They did not cover the ambulance because she was dead. I sh!t you not. I couldn't believe what I was reading. I still can hardly believe it 15 years later. I understand them ending the coverage, there was a specific criteria, but to refuse to cover the ambulance? That seems criminal. They ARE criminal. I'm sorry you went through that, I know how scary that is. I hope your daughter is doing better now, and pray she has a good doctor that fights for her.
@lindaforetia8624
Жыл бұрын
You need to sue the health insurance company
@juliemcdaniel499
Жыл бұрын
@@lindaforetia8624 How can someone sue medicaid/welfare?
@popeoftea
Жыл бұрын
@@juliemcdaniel499 you don't.
@millersam07
Жыл бұрын
Unfortunately an insurance company as a COMPANY, it's goal is to make money. This is why COMPANIES have no business in healthcare, bc unlike a new car, or fun hobby, you can't say "No" to a medical treatment, if you do you'll either be jailed for being a bad parent, have it forced on you anyway from being unconscious at the time, or die. Corrosion under penalty of death is not a choice. The only logical conclusion is to see healthcare as a human right, and make funding mandated by the government. Other countries do it. America could too with like 1/2 a percent of what's spent on the military!
@MichaelGaryScott90
24 күн бұрын
*As a medical coder and auditor, Dr. Mike is spitting facts. I can’t tell you how many times we get claims denied by insurances who make us jump through hoops with Authorizations, One Time Agreements, Single Case Agreements, Letters of Agreements, HCPCS Codes on Letters of Medical Necessity, and all other kinds of loopholes to get out of paying for claims.* *Doctor Mike is a good doctor who genuinely cares because he’s basically donating his time to help his patients while the “insurances” who are supposed to help, all but ensure that no claims they can avoid paying get paid.*
@wariannn1253
Жыл бұрын
As a breast cancer patient , this is spot on. I’ve had to call my insurance myself and ask why they keep denying my screenings. There is always a reason !!!!!
@paige-vt8fn
Жыл бұрын
Yeah same here, I've had masses in my breast for at least 12 years and have an appointment next week with a specialist, finally, after 12 YEARS! Hopefully nothing else gets dismissed, but unfortunately I only have state aid so I'm not too confident
@joe1071
Жыл бұрын
Denied because it’s Monday. Denied because it’s Tuesday. Denied because it’s Friday. Sorry, now it’s the weekend and we aren’t open til Monday!
@davidm4566
Жыл бұрын
The reason is they want to collect money from you and buy expensive cars, boats, and private jets. Paying money to you makes it harder to do all of those things.
@paige-vt8fn
Жыл бұрын
@@davidm4566 maybe. But j know for sure that my life and the lives of so many women suffering from breast cancer are far more valuable that a boat or a plane, and nobody can tell me otherwise
@burgersnchips
Жыл бұрын
@@paige-vt8fnyes they are, but not to the guy at the insurance company. They don't know you so they don't care.
@celiaibarra8761
Жыл бұрын
I am so glad this Dr. Spoke up because it is true. My mom went into the hospital for a gallbladder emergency surgery and she passed away because the insurance didn’t give approval quick enough. Insurance companies just rip you off your money and then when you really need them, they give you the runaround or they just don’t cover the expense. To me they are useless and a total ripoff!
@falconerd343
Жыл бұрын
The ideal patient for the insurance company is one who faithfully pays their premiums and then passes away quickly.
@joetoe9947
Жыл бұрын
@@falconerd343 … or rather “then passes away years later”- and “quietly”- without a fuss🤫…
@Slowburn726
Жыл бұрын
Sorry for your loss.
@celiaibarra8761
Жыл бұрын
@@Slowburn726 🙏 thank you!
@falconerd343
Жыл бұрын
@@joetoe9947 true to the years later, but years later tends to not be quiet. We usually start adding on meds, procedures, and surgeries.
@hasdrubalsosamarquez5430
Жыл бұрын
We need more guys like this that go the extra mile not only to expose the scam but to actually have a care in his heart
@daveweisbrich1769
Жыл бұрын
Except he fully supported Fauci and big pharma during the pandemic.
@stevensines7026
Жыл бұрын
I've often referred to it as the "HippoCritic oath, not Hippocratic.
@captaingainzproductions1876
Жыл бұрын
This particular doctor partied without social distancing at the start of covid, without ever apologizing
@willehq
Жыл бұрын
@@captaingainzproductions1876this particular doctor is also a human with a whole life and history of being a person. I’m sure there’s plenty of not-great things he’s done, just like all of us. That doesn’t make him less worth to listen to.
@MsLucia4179
Жыл бұрын
@@captaingainzproductions1876which honestly wouldn't be that bad except he was telling everyone else to mask up and social distance.
@NickHammer99
28 күн бұрын
I lucked out in my cancer journey that my insurance behaved themselves. I couldn't imagine how stressful it wouldve been if they kept trying to deny everything
@cherylallis2458
2 күн бұрын
Chemo and radiation tend to get covered rather easily these days. Big pharma sees to that. But treatments that actually heal the body so that the body eradicated the cancer are never covered. Chemo and radiation cause secondary cancers years later, so big pharma gets a big payout later on. That's why they pay.
@nicoleanime400
Жыл бұрын
I had to fight to get my insurance to pay for me having my first child. Even though when I signed up they said it would cover the whole prenatal, delivery and post partem appointments.
@TiffanyALuna
Жыл бұрын
Put 'em on BLAST and leave a public review so others know NOT to do business with them. Companies👹 like that don't deserve cuatomers!
@jeanettewilliams8898
Жыл бұрын
Put them on blast because they lied. If they said we don't cover that you would have said Thank you and chose another one without a fight but they are dicks seriously
@EvLSpectre
Жыл бұрын
Well how do we know YOU were the one who birthed the child?
@navalsealsnipersports1199
Жыл бұрын
Did they say they’d cover the whole thing or the whole thing AFTER you reached deductible?
@jeremylackey3477
Жыл бұрын
I know it's been a month since you posted this, but my wife and I went through the same thing with our daughter. They approved her C-Section and hospital stay but denied the nursery care because "they didn't know who the baby was". Like the outcome of a c-section isn't a new human who doesn't have a SS# yet... It's asinine.
@Pippop38
Жыл бұрын
As a human with two chronic illnesses, the WORST part of it all is the insurance. I literally have dead organs and the part that makes me crying is fighting with my insurance
@mauryarriola9451
11 ай бұрын
revelation church
@NuNugirl
11 ай бұрын
They didn’t cut them out? I had two removed by the time I was 26. Thyroid & spleen. I’m holding on to as many as I can, including my teeth. I’m starting Medicare next month. I chose a Supplement plan where I can go to any Doctor who takes Medicare, with no referrals needed. Some people think I’m nuts to pay so much for it, but I know better, because it’s there if I need to use it. I’ve had to fire Doctors in the past, so I can do it again.
@tiffhamill567
10 ай бұрын
I believe God sees these wicked higher-ups in these organizations. They cannot get away w this forever. Have you looked into a naturopathic medicine Dr?
@susanallen8214
9 ай бұрын
@@mauryarriola9451 ?
@mikyma-jr2uj
7 ай бұрын
My eyes have strabismus and lazy eye the doctors say I need insurance and please get a job that will make you good money to pay for your insurance abbit ok
@KalijahAnderson
Жыл бұрын
A trick I have used for this is to ask them for the name of the doctor they used that said this isn't needed. They don't want to admit they have interns searching for keywords to make these decisions. I've never had an insurance company deny a scan or treatment after asking for the doctor that denied the request.
@bayoubabe6698
6 ай бұрын
Thank you…I will try this the next time a treatment for my condition is denied by my insurance!! Ask for the name of the doctor that backed a denial!! Great approach, I’ve never heard anyone else advise this much less do it!!! We absolutely have to advocate for ourselves.
@Queenmoller
27 күн бұрын
I work for a local medical provider as a biller. I’m lucky if I even get someone on the phone who isn’t “off shore” who are just following a script, don’t care or understand our messed up medical system. It can take months to get paid pennies for services rendered that our patients need.
@heknows9441
17 күн бұрын
Wow, 💯% agree.
@metal-k9069
Жыл бұрын
More people need to talk about this! I’ve been in the hospital administration industry for 10 years it gets worse and worse every year!
@skjexplorer
Жыл бұрын
Every day the insurance companies are adding more things that need prior authorization . yet they are cutting reimbursements to physicians.
@mikemann1960
Жыл бұрын
Not to be violitile but, when people overstand that 1% is willfully trying to kill mass amounts of Americans for being the richest country for profit; then they become the hunted of the human hunger games!
@craigharrison1274
Жыл бұрын
You’re not going to get any serious reform or progress in America without major bloodshed.
@12yearssober
Жыл бұрын
Another truth is that most insurance companies do not allow the doctor to notify the patient of a potential issue found while looking for something else. Example is let’s say a patient goes to the ER after a fall and complains of rib pain. Doctor orders an X-ray. Patient does not have any broken ribs but the radiologist does notice a spot on patient’s lung in X-ray. Since the patient did not come in for a lung issue most insurance companies will not allow the doctor to tell the patient about the spot. Some time later the patient is having lung problems and is found to have lung cancer and at this point it is stage 4 and terminal. Insurance companies do this daily. Always after any test request all reports and documentation regarding your visit and look over them carefully.
@Redditor6079
Жыл бұрын
@@12yearssober thanks Jeff
@clarainesgonzales93
Жыл бұрын
I'm a pharmacy technician, and believe me, the insurance will find all the loop holes to not pay. Each drug has its own unique code and the insurance company will have a list of medications they will cover. If it's not on the list, you have to pay out of pocket or just go without. The insurance companies are one of the biggest thieves and most merciless people I deal with. It's a fight to get them to agree to do anything for patients.
@ivanmunoz2984
11 ай бұрын
The insurance policy is one that is bought by the employer lmao. They choose what drug lists they will cover, there's a lot of blame to be placed but ultimately your employer dgaf
@syzygy4365
11 ай бұрын
@@ivanmunoz2984 Not necessarily, many companies were skimpy "cheaper" policies in the belief they were getting a good deal once the insurance companies found a way to make "good standard" insurance policies affordable. They came in sold the idea that there's not really much of a difference between our old policies, and our new standard "GOLD" plan saving them a fraction of what they were paying. Insurance salesmen were told how to sell those new policies hiding the fine print. Guess who gets a nice bonus cutting costs everywhere? Everyone in HR including the company you work for.
@MarkWadey
7 ай бұрын
Don’t act like the doctors arent at fault as well… they know what they are doing.. n they know most times a drug will reject and still prescribe it anyways. N they get paid trips n gifts to prescribe certain drugs over others
@Indah_Lusion
7 ай бұрын
I agree I am on medicaid and they cover my test strips and my meter for my diabetes but they won't cover the lancets for for it. It doesn't make sense
@ernestogarcia3193
7 ай бұрын
@@MarkWadey Doctors do not in fact have a list of what your insurance covers.
@tatanation7091
Жыл бұрын
Imagine a doctor arguing what the patient needs with someone who doesn't have a doctor degree telling them what they need
@SpecialKel66
6 ай бұрын
Exactly, and it happens every minute of every day.
@keepingit763
20 күн бұрын
He is so right! Health insurance companies aren’t doctors and it sounds like they aren’t in the business of helping people, but putting up roadblocks to deter care. Don’t get me started on the cost of insurance and a 5 minute doctor visit!
@butterbeanqueen8148
5 ай бұрын
My insurance denied my adult tonsillectomy because I hadn’t had strep throat enough times. I had a STAPH infection that wouldn’t go away. The doctor that denied it was a gynecologist and was basically following the guidelines set by the insurance company. I was sitting in the exam room listening to my doctor absolutely lose their $hit on the phone with the insurance doctor. After reaming the insurance doctor out for not even being qualified to make that call they got the surgery approved. “You are questioning me?” “You are second guessing my opinion?” “What medical school did you go to?” It got ugly. After my tonsillectomy I felt better than I had ever felt in my entire life. And I thank that doctor for standing up to the insurance company every time I see them. Thank goodness I had a doctor that was willing to fight my insurance company. But it shouldn’t have had to happen.
@levigriffin5553
2 ай бұрын
Send them a thank you card or Christmas card or something like that. Showing personalized heartfelt gratitude like that will keep them going for other patients in the future and make those calls to the insurance company bearable to them when looking at it
@butterbeanqueen8148
Ай бұрын
@@levigriffin5553 she definitely knows she’s appreciated. ❤️
@ngotemna8875
Ай бұрын
What a G
@justarandomstranger1
Ай бұрын
@@butterbeanqueen8148 Big W for your doctor
@singhatishkumar
Ай бұрын
The fact they had to do this is beyond a scam
@TheMayaangelsmommy
Жыл бұрын
As a former doctor's assistant, I fully agree with these statements! I spent half of my day on the phone or emailing insurance companies for approval for the doctor's orders. It was maddening! I miss my doctor and our patients but I choose not to continue once she retired. Medicine has changed.
@kalijasin
Жыл бұрын
Why do you agree with him on doctors should be paid more? A lot of doctors are millionaires and doctors in the USA get paid more than doctors in all other countries.
@Asdfgfdmn
Жыл бұрын
God bless you
@Asdfgfdmn
Жыл бұрын
@@kalijasin Many doctors (primarily boomers) have become millionaires because they weren’t in deep debt like the younger generation of doctors. They got access to capital many years ago when they invested in the market and learned how compound interest works with stocks and real estate.
@realtalktina
Жыл бұрын
I mean isn’t that what the billing department or person does I’ve never seen a doctor on the phone most have a billing assistant who went to school for that specifically
@TheMayaangelsmommy
Жыл бұрын
@Real Talk Tina the billing "department" tells you that you coded something incorrectly and you need to fix it by "mo/day/year" or it will be rejected. BUT that's JUST billing for services rendered ... getting treatments and testing approved is a whole other process that requires negotiating patients care with someone that never met your patient, never went to med school, never set foot in your clinic, and has the sole priority of approving as little as possible. We (office vs insurance) have different priorities and it shows in the frantic way that doctors and their assistants have to interact with big insurance. It's like having to step into a ring to defend your patient against Thanos who would happily "snap" them away to cut costs. It's tiring and disheartening if you care about the patients' wellbeing.
@shaafi1579
Жыл бұрын
Greed is the underlying problem 😢
@NyJoanzy
Жыл бұрын
If it's incentivized it's what you get.
@doribellan
Жыл бұрын
It’s like no one here understands how insurance, government , and companies work.
@shaafi1579
Жыл бұрын
@doribellan True they are greedy on another level
@MarkovChains223
Жыл бұрын
It's capitalism, my friend
@doribellan
Жыл бұрын
@@MarkovChains223 Greed is not a result of capitalism… it’s one’s bad reaction. Having a free market capitalist society allows all access and prosperity.
@kendrikhawk7436
2 ай бұрын
I was just thinking about that, recently... Watch any tv show involving lawyers other than criminal cases, and at some point one of them will say, "I have to go... this time isn't billable."
@Jukki_BatRat
Жыл бұрын
I'm not American, but I seriously feel bad for the people of America who aren't rich and needs medical care. I've heard so many awful and sad stories of people not being able to afford the help they need and go in to lifelong debt. The American health care system destroys lives. Even the cost of getting an ambulance is insane. Here in Denmark we pay some of the highest tax in the world, but it also means we have free healthcare among many other things. I know many people in the US gets paid minimum wage, so maybe they can't afford to pay more in taxes, but the government and businesses should want the best for their people, instead they're just greedy.
@neckofkwoods4261
Жыл бұрын
Amen
@angelataylor5241
Жыл бұрын
Never lived any where else but the states. The the thefts of our wages, our health, our freedoms, our intelegence and common sense, also our education and right to persue our own happiness are directly because of the rich (the 1%), the oligarchy. The experiment here needs to take a different direction because if we don't, off the cliffs we will go.
@bibichannamini3873
Жыл бұрын
Yes it's wierd. Like a third world country. However it is the NHS is a godsend and I'm proud to work for it.
@Threemore650
Жыл бұрын
Only good if immigration is under control.
@bryanmavis8771
Жыл бұрын
@@KalebPrentice This is like telling a homeless man to just go get a house.
@klc7275
7 ай бұрын
I remember, when I was a kid, I asked my parents how insurance companies make money if they're always giving the money they make to their customers. My parents said exactly what this woman said - their goal is to not give money to people. I haven't trusted insurance companies since then.
@mtn1793
5 ай бұрын
Actually they’re more like banks, using the money from premiums to invest and grow so they have funds when the trouble comes. Course nowadays the financial markets are more casino than investment. And Republican politics are more cannibalism than leadership. The chamber of commerce is a parasite that calls itself business as usual.
@Beemernow
5 ай бұрын
Well, the main way they make money is buy using your money that you pay for the policy combined with everyone else's to invest in the stock market, but yes, they want to keep that money by not paying out.. JustSaying
@alejmc
5 ай бұрын
@@Beemernow I would have expected at least that by pooling resources, concentrating administration, armies of people finding the best deals that they could stretch each of our $ a whole lot more than if we went on our own pocket… except that bureaucracy knows no bounds. Just like government programs, if you give a $ today to a homeless person, that person gets a full fledged dollar… if you do it through government, that homeless person will get not even 10cents. Same with these insurances, pretty sure the money they receive gets diluted into oblivion, probably by paying a lot to the people that will deny health bills
@i_heart_dollhouses7327
5 ай бұрын
Agree. My eyes were opened when I worked in medical billing. By the way, not just Health Insurance, a lot of other insurances run the same way. They will do anything not to pay.
@ohanailo6681
5 ай бұрын
Thats a great observation of the, Corporate Structure.
@webportal6659
2 ай бұрын
I find in most of the time, don't get insurance. Take what you would pay into that insurance and put it in a savings account meant for medical.
@FrogGuy-tt1wq
2 ай бұрын
@@webportal6659no no no no no no no no no. just no
@missydelcoglin4087
2 ай бұрын
@@webportal6659Choosing not to have health insurance is very dependent upon every person’s situation and requires a lot of deep thought and takes on a lot of risk. If you’re healthy and never see a doctor, it may be right for you. You may end up with a broken bone that requires surgery - the savings is not going to cover that. I had really thought of going without when I was 25. I’m so glad I took it instead. I ended up having an emergency total colectomy and permanent ileostomy on 25 December. There is absolutely no way it would have covered that. I’m now medically fragile and easily hit ur $5k deductible within the first to second months each year.
@Deutsch_Gamer
24 күн бұрын
^ part of the reason why tornadoes don’t get rated ef5
@Rhanyra
19 күн бұрын
Dear people watching this video: I used to work for the department that dr. Mike is talking about here. Prior authorizations. ANYTIME your meds or equipment gets denied, you have the right to appeal. I highly suggest appealing because the request will *almost* always be denied the first time. And generally, they get approved if you appeal it. Most of the time stuff gets denied for stupid reasons like the doctor didnt fill out the forms correctly or at all, sometimes the phone number you give us for your doctor doesn't work and we cant get ahold of them. Stupid stuff. APPEAL! APPEAL! APPEAL!
@loveinc.7438
Жыл бұрын
I just had cancer and went through chemotherapy, and I can confirm that health insurance does make everything harder. There were several times when my doctor prescribed me medication and the health insurance denied it so I was unable to get the important medications I needed because of my health insurance.
@pabloriveraperezderada6223
Жыл бұрын
In Spain we have public health care and these things don't happen. Hope you are doing better!
@vladislavohremenco3472
Жыл бұрын
In Austria we have perfect public health insurance and we don't have this kind of problems over here. My mom just beat her second cancer because of our health insurance. Over here, they first treat the patients with the best possible medication and treatments in the whole world and then fight over what's being payed for. That way, there are no delays and most of the patients problems can be resolved faster which then fights the cancer faster. She didn't had to pay for anything in end😅 cause the insurance took everything over. Best country in the whole world in my opinion.
@ab-js2gw
Жыл бұрын
Because for your health insurance company it is better if you die rather than go through expensive treatment.
@infinity2394
Жыл бұрын
ngl what is health care I'm a 16 year old kid turning 17 and I'm wondering why people keep paying insurance companies if they aren't doing their Job. When they can just get a loan or something?
@coffee-with-sprats
Жыл бұрын
@@infinity2394 Oh kid... You're in for a ride... That's a long-ass story, but to keep it simple - it's the only possible way due to so many reasons, unfortunately. I'm not an expert and can't really tell you much and make it easy-to-digest. So I'd really suggested you to research it on the internet yourself, because there's basically more than I personally know and it exists in many stages of complexity from "I am from the insurance field, need to make sure I remember it all and check if anything has changed" to "dumb it way down, so my distant cousin from another country with room temperature IQ (in Celsius), who can't speak, write or read English text, could understand this". I'm sorry, you're on your own, kid. I'm basically underqualified to teach, especially that subject. But remember one thing, if it may help you on this one: "there's always an interesting story, you just have to be creative yourself to spot it". Bon voyage.
@JW-bu3xt
Жыл бұрын
This was my headache as an RN. And administration harassed me until I quit when I insisted I needed a medical assistant to take vital signs so I could do all that paperwork he is speaking of, while my MD saw his patients. I still had to also help with procedures, refill prescriptions, triage phone calls, make appointments, and schedule procedures. You think doctors don't make enough money? Try being a nurse.
@carolyperez8075
Жыл бұрын
Exactly. And they run a skeleton crew on purpose
@JW-bu3xt
Жыл бұрын
@@carolyperez8075 Yes. And when the older more experienced nurses complain, they fire them or run them off, and hire fresh nurses right out of school so they can pay them entry level salaries. One place I worked even let a medical assistant call herself that MD's "nurse" because she had been there so long, and did everything a nurse did, including call in prescriptions! Illegal and dangerous much? They didn't care. That same office's "executive director" started out answering phones when the office opened, and got no additional education over the years. She is now in charge of a facility with last count 80 physicians of different specialties.
@jhezzy
Жыл бұрын
@@JW-bu3xt🤯😠
@siesies000
Жыл бұрын
Truth
@siesies000
Жыл бұрын
@@JW-bu3xtexperience is sometimes better, but this is definitely crossing the line in the u.s.... maybe a 3rd world country it would be ok, because something is better than nothing
@therehastobesomethingmoore
Жыл бұрын
The US healthcare system is severely broken. We live abroad, stay as healthy as possible, and pay out of pocket for medical and dental.
@swizzthesecond
Жыл бұрын
Good for you and keep winning.👍 Which country did you choose?
@therehastobesomethingmoore
Жыл бұрын
@@swizzthesecond We still have many countries and cities to visit before we pick a place. I hope you join us as we go live in all of them. Next up is Guatemala and we will be there in February.
@leannerobinson1536
Жыл бұрын
I subscribed! I want to leave this country so badly!
@therehastobesomethingmoore
Жыл бұрын
@@leannerobinson1536 So happy to have you joining us on our journeys !
@darkopz
Жыл бұрын
@@swizzthesecondI’m not sure you read what they said. If they have a severe medical issue they’re screwed. They’d need to be in a country that would pay for all their needs even if they’re not a citizen. If they are, then they’re good. If not, no amount of “healthy living” will stop an emergency medical condition.
@wtfvenusss
16 күн бұрын
i remember as an early teen i asked my mom to explain insurance to me, and after couple more follow up questions i said “isnt that kinda a scam??” and to my recollection it was a reluctant “yyes”. i hold the same attitude a decade later, today. if i pay for insurance and try to use it, it covers very little to nothing and ill be sorry i paid for it. but if i choose to just not pay bc i cant afford it and try seeking treatment, ill be super sorry for it 😭.
@sarahbloch384
Жыл бұрын
As a medical assistant I spent a huge amount of my time trying to help my surgeon convince the insurance company to approve the procedure, test,medication,ect. It's a game with the patient as the pawn. He is telling the absolute truth. Insurance you pay for will do anything to say no. What is even more ridiculous is insurance will cover and approve a series of less expensive tests procedures that will NOT help and eventually the original test or procedure is finally approved but by now 6 weeks of useless treatment and test have been paid for.
@CynthiaPrice79
Жыл бұрын
And the condition has worsened to a point that a measurable percentage of your patients have already died by that time.
@pipedgolf4634
Жыл бұрын
Danm my country has a decent health care system but I got transferred to a private hospital for a knee surgery, only had to wait 2 weeks before I got the operation done, if I did have insurance I would get anything I want done in a couple weeks. A keyhole tendon repair would have only cost me $2500 if I had no insurance and just wanted it done quick
@CynthiaPrice79
Жыл бұрын
It was kind of a blessing that I went in for my brain surgeries and all with no insurance. I didn’t have to argue with a pencil pusher about whether it was necessary, and what else we should do first, when I had 6 weeks to live without surgery.
@hikarychan3997
Жыл бұрын
not to mention that's wasted time between ok we can operate on that tumor and oh sorry we waited to long the tumor grew too much, metastisized, or has damaged other systems requiring a completely different approach. That's not ok.
@WhiteBuffaloWakanGli
Жыл бұрын
Insurance companies are such a scam. I hate how I pay for insurance and they fight tooth and nail to not pay the bills I pay them to take care of. Absolutely insane
@mlee6050
Жыл бұрын
I understand that in UK with car insurance, I wish it was not mandatory
@ent1311
Жыл бұрын
How will the insurance executives get paid 50+million dollars if they have to pay out? How will politicians and news anchors get their kickbacks if they have to pay you for what you paid for?? Have you no sense??
@heresjonny666
Жыл бұрын
@@mlee6050 I think that insurance is neccessary to stop people getting screwed over if an uninsured driver hits them and they lose their car without any payout. But I think the gov't should offer a bog standard basic level of insurance that doesn't cost much but gets you minimal coverage. It's obscene what insurance companies can charge, especially to new and young drivers.
@mlee6050
Жыл бұрын
@@heresjonny666 yeah, a car I looked at once £500, insurance £2-3k I wish was insurance but maybe covers other drivers and so if damage own car still pay for it but that like lowest level I wish I could have
@dragonixheli5474
Жыл бұрын
Honestly yes. Insurances are needed, that a fact but I HATE how they offer a service they are not willing to provide. It's something different if I want my insurance to cover for something that was not in the contract, they should decline with their right. But it can't be that people, let's say, pay for a car insurance in case an accident happends for years but at the second they have an accident, they deny and throw you out. And you have to spend more money, time and stress in court for the right they promised you in their contract? That's bs. And insurances is a world wide problem, I don't live in the US but I still hear so much insurance problems from friends. I have some as well because you need them and I am actually terrified if I actively have to use them one day
@antoniowebbmd
Жыл бұрын
Couldn’t agree more with you on this one doc! Very frustrating part of my job as well. Me spending 15 years training to become a surgeon where I have studied, mastered my craft and and being questioned by someone with less than a college degree. C’mon!!!!
@sherride2002
Жыл бұрын
That is messed up. A true slap in the face.
@Earlydoors272
Жыл бұрын
Hey you're webbmd!!!
@middleagebrotips3454
Жыл бұрын
But they have money, if you do the surgery for free then none of this is a problem /s
@magoo9279
Жыл бұрын
@@middleagebrotips3454And how is the surgeon doing this for free? It's not like they can live for free.
@middleagebrotips3454
Жыл бұрын
@@magoo9279 the insurance doesn't care if surgeons don't get to eat, as long as they don't have to pay.
@hhjk377
18 күн бұрын
If the insurance company’s goal is ”not to pay” then they aren’t even serving the baseline purpose they’re paid to do.
@yomikuro6153
Жыл бұрын
I’m working as a medical assistant right now. Every single day, we get demands for prior authorizations, calls that a medication isn’t covered, denials for biologics; we argue for the patient and the doctors argue, but we never win 100% of all the arguments. And it’s heartbreaking.
@Amy_Dunn
Жыл бұрын
I will keep saying it until I'm blue in the face, if a health insurance provider is denying a patient life saving procedures and/or medicine, they are practicing medicne without a license and should ve held liable for breaking the law. PERIOD.
@syzygy4365
11 ай бұрын
AMEN
@DagwoodDogwoggle
7 ай бұрын
Y'know, it's not the "life saving" stuff insurance usually fights about. They will pay to save you, BUT ... then you are on your own to recover. The treatments that allow a sick or injured person to go from useless and in pain back to feeling good and working and really being a person - those are the things insurance does not like to pay for.
@daphne10120
Жыл бұрын
Fun fact: the doctors I work for make way less than the administrators at our hospital. Doctors who have hundreds of thousands of dollars in student loans and were in school/residency until they were 35-40. Our doctors have also been put through pay cuts and are short staffed. They work long hours with little appreciation. One of our favorite hospitalists was just fired for “admitting too many people and not making the hospital enough money”. He had been with us for 11 years and the administration terminated him for admitting sick patients. This is the state of healthcare. These are the people who are saving lives and our country treats them like garbage. One ER doc I work with turned to me one day and asked if I knew how much he was making per patient. He said he was making $89 a patient. Your 3k+ ER bill isn’t because of your doctor.
@soonahero
Жыл бұрын
But still, he could be making less per patient. Doctor salaries are higher than they need to be. Half them.
@xplicitgoofy1015
Жыл бұрын
@@soonahero wrong, doctors who work in hospitals deal with the BS administration, that’s why a lot of them go their own way in good practices. That’s not the point though, healthcare in the USA has gotten out of hand because of the insurance companies
@soonahero
Жыл бұрын
@@xplicitgoofy1015 there’s more administration as an owner than as an employee
@xplicitgoofy1015
Жыл бұрын
@@soonahero Who said doctors are the administrations? They hire people to do that because that’s a whole full time job. It’s just specifically hospital administrators only care about themselves that’s why they are so hated
@soonahero
Жыл бұрын
@@xplicitgoofy1015 imagine thinking corporate employee doctors do more admin than business owner docs
@janelisv
16 күн бұрын
This is the part I hate about healthcare. I work at a clinic and wanted to become a doctor at one point, but at this point the emotional drain, debt and years it takes it’s not worth it. Plus I’m not okay with patient having to pay deductible and out of pocket for the insurance to cover the visit. What’s worst is that they barely even pay the entire visit.
@hopeanna9201
Жыл бұрын
So good to hear a Dr tell the truth about what happens outside the patient rooms.
@rehman1833
Жыл бұрын
There are a lot of people telling it, media just calls them socialists and americans immediately turn their brains off
@GameChanger597
11 ай бұрын
I don't believe anything emotional related coming from this doctor. He's too arrogant and self-absorbed to trust
@allrounderal2958
Жыл бұрын
its honestly disgusting to hear about this... this is why i rather make an HSA on my bank account than pay a dime on insurance company. insurance company can be that disgusting and would rather see you dying than losing their money they got from your trust.
@ProfessorDeezNutz
Жыл бұрын
Time to get schooled, "Can i have an HSA without insurance?". . . "While you can use the funds in an HSA at any time to pay for qualified medical expenses, you may contribute to an HSA only if you have a High Deductible Health Plan (HDHP) - generally a health plan (including a Marketplace plan) that only covers preventive services before the deductible." -t. Insurance agent
@marzemarcel9529
Жыл бұрын
@@ProfessorDeezNutz Thank you!!
@voodoo6821
Жыл бұрын
@@ProfessorDeezNutzthere is also the fact that even if you could have an HSA without an insurance plan you can federally only put away like $7750 for a family or $3850 for an individual. That would cover a few visits and maybe an x-ray. And MRI is about $10k.. so yes insurance is a scam, but the whole system seeps and bleeds money on the back of a patient (or taxes)
@coquigirl0789
Жыл бұрын
@@ProfessorDeezNutz I don’t think that’s what they meant. I think they literally meant just putting aside money for medical bills in their bank account lol
@ProfessorDeezNutz
Жыл бұрын
@@coquigirl0789 No they didn't. They thought they could put money into an HSA tax free without having health insurance. The whole point to a hsa is the tax exemotion. If he meant that he would rather self-pay, that is called self-insuring.
@EmilyJelassi
Жыл бұрын
I’ve been the patient end of this scam. My oncologist ordered a PET scan.. I couldn’t even make the appointment until my insurance company approved it. Then, when the scan found nothing, they turn around and deny payment, saying I didn’t need it!! The insurance industry in this country needs to be completely scrapped and we need to start from scratch. The fact that people who have zero medical training (& no, a degree in health doesn’t count!) are making life and death decisions on my health is absolutely unacceptable and infuriating!!!
@willp.8120
Жыл бұрын
In the American Health Industry, you are just a number and their primary objective is to make as much money as they can, even though they are gauging people unethically.
@aycc-nbh7289
Жыл бұрын
But this may only mean a new insurance industry takes the reins and making the same mistakes.
@90836usaful
5 ай бұрын
Not as much today as years ago but I can remember arguing with an 18 year old kid about the necessity of a procedure and them saying no. When I asked them if they were a physician or had a medical background, the response was no. This used to be very common but now we have office managers etc. to handle this sort of thing.
@MHSMagicLuver
11 ай бұрын
I’m a PA and I hate insurance because like you showed.. they don’t let us make decisions! They are not clinical in any way and they decide what tests and medicines can be done or given. It really sucks. Leave it up to the medical providers who actually went to school for this!
@TetraSky
Жыл бұрын
Insurance companies think they know better than doctors do for what a patient needs...
@mlee6050
Жыл бұрын
Too many retired doctors becoming insurance company employees
@georgelux126
Жыл бұрын
No, they just don't care what the patient needs. They care about what they get paid.
@audrey5175
Жыл бұрын
You got that right. I work for a physical therapy company and seeing so many denials for medically necessary services blows my mind. Superior Healthplan is the worst. A patient who literally cannot walk and WANTS to improve and needs PT for it…gets 1 visit approved. Then we use that 1 visit to try to get more visits approved, continuing the cycle. What a joke.
@jaydem8611
Жыл бұрын
I can’t remember where I heard it but someone once said “only an insurance company can make medical decisions without going to medical school”. Disgusting
@mlee6050
Жыл бұрын
@@jaydem8611 bet they use Reddit for all their medical knowledge
@jakesouth2
Жыл бұрын
Now imagine being in the middle of a sick patient, stubborn insurance, and a confused doctor. That's called a pharmacist.
@TheTransDevin520
Жыл бұрын
And then people blame the doctor or the pharmacist instead of the insurance company.
@kathleenhack
Күн бұрын
My sister had a brain bleed and her Advantage Plan denied her MRI. They said it wasn't medically necessary. Scary!😢👵💙🇺🇲
@mjmjmj28
Жыл бұрын
Exactly, maddening. Patients need to start suing insurance companies for negligence, breach of contract ect
@shadowwolf143
Жыл бұрын
I tried to sue the medical insurance when they caused me life long health issues due to prolonging a surgery because they didn't agree with my doctor. I was told by lawyer its not worth the case because I would lose my insurance and then have no other insurance company interested in taking me. Granted this was almost 15 years ago now
@shawnbottom4769
Жыл бұрын
That would never work. They have all the money and the lawyers. The only way to fix this is to vote the right politicians into office.
@OmarOsman98
Жыл бұрын
@@shadowwolf143Are you self employed or have a job?
@davidbingham4348
Жыл бұрын
I’m an orthopedic surgeon. I saw a patient in the emergency room who had been hit by a car near his home. Needed emergency surgery. Their health insurance company informed him that he only had coverage at hospitals over an hour a way. Think about this-he has health insurance, he pays for health insurance, but suddenly finds out he can only get care by traveling over an hour away. Best argument for Universal Health Care I’ve ever seen.
@fanofcodd
10 ай бұрын
Yeah , every little trick they can go , they will do.
@melissam7379
10 ай бұрын
Yeah universal healthcare will definitely fix all the issues 😂😂😂😂
@ronaldhudson169
9 ай бұрын
Nah, It may help, but it will still be a group of non-doctors deciding how to dole out a finite resource without regard to outcomes. They will still be looking for the cheapest way out to stretch that finite resource as far as they can.
@m136dalie
9 ай бұрын
@@ronaldhudson169 The "without regard to outcomes" part is false. In Australia for example, you can buy any medication (that is licenced, with a prescription) but for the government to cover the cost it needs to meet certain criteria. The way a medication meets these criteria is usually by having many doctors sit together in a room, discuss the available evidence, and then decide if it's justifiable for the taxpayer to cover the cost of the drug for a particular disease. Once this is done, prescribing doctors never have to worry about things like pre-authorisations. So yes, it is much better than the USA system where doctors constantly have to fight with insurers for their patients to receive necessary healthcare.
@ronaldhudson169
9 ай бұрын
@@m136dalie But I am in the USA. Several times my Dr. had prescribed a specific med for me and the Insurance company said NO. The dr. was able to argue it and I got the med but really insurance company?
@aedsell
5 ай бұрын
Former medical transcriptionist here. Doctors are also completing their own medical records now too, making them the most expensive clerk in the system. Your medical records are now less accurate than they used to be.
@Yellow-oc4sl
4 ай бұрын
Wonder how much less or more bc Everytime we turn around medical records are being hacked and exposed information smh , what a joke , it's better you try to identify what is going on with your body besides the doc now a days they are limited
@heknows9441
17 күн бұрын
Another wow wow wow
@idiocracy2806
6 күн бұрын
Well, thanks to the lack of payment from medicaid and Medicare, a lot of doctors do what they have to do just to stay in business. So yes, they are now charging for obscure things they can charge for but never have. Then most of the time, you are fighting them for the payment they owe you. You owe the govt, it comes out of your next paycheck. They owe you, it may take months to get paid.
@7PlayingWithFire7
2 күн бұрын
"But you gotta understand that the goal of this scammer is to scam you. Don't you understand?" Exactly why people wanna get rid of these scammers
@xXReihachanXx
Жыл бұрын
Oh my god, I can relate to this. I'm a medical receptionist and there are soooooooo many different codes for every different scan/procedure/trreatment etc. Health care system is so strict with the criteria for what they cover and they will make it as hard for you as possible.
@the_expidition427
Жыл бұрын
LMAO I think in this scenario the name applies
@PatrickKQ4HBD
Жыл бұрын
@@the_expidition427 Then it would be appropriate, IF op was actually expecting a response from him.
@retired5218
Жыл бұрын
Because they are in business to make money. And they dont care if you die because they are saving $$.
@KawaiiCat2
Жыл бұрын
I so relate to this. As someone who has adverse allergic reactions, my dr ordered a special allergy test to try and figure it out. To this day after my insurance has denied it, I still don’t know what I’m truly allergic to. My dr just told me to be careful and prescribed medication for which in case I get a reaction. It’s horrible that insurance companies won’t put patients care before and just listen to the dr.
@emmettdonkeydoodle6230
Жыл бұрын
Call them up yourself and give them hell. Patients weirdly have a better chance at success than doctors with this kind of situation
@anncata7368
Жыл бұрын
It’s all about mankind a profit NOT healthcare for people.
@KawaiiCat2
Жыл бұрын
@@emmettdonkeydoodle6230 that’s not a bad idea. I will have to see to it.
@KawaiiCat2
Жыл бұрын
@@anncata7368 yup pretty much and fighting insurance companies as a patient to dr is hell.
@falconerd343
Жыл бұрын
And then the medication isn't covered...
@renb6133
Жыл бұрын
Imagine arguing about an MRI for a person with a growing brain tumour!!!! It’s insane & shows you how much health insurance companies care about your well-being. I live in Australia & this would never happen and we don’t even have the best universal healthcare in the world. It’s good but others do better. This is appalling that both doctors & patients are put into this situation. You Americans deserve SO much better! 💕
@soniasias6226
Жыл бұрын
MRI cash $350 in the US. Call around. I would rather be free from mandated healthcare participation.
@nadinewhite993
Жыл бұрын
@@soniasias6226 What do you mean by mandated healthcare? And do you feel as aggrieved about the fact the American government takes a fortune from American taxpayers to run the most expensive military on the planet? Or are you ok with tax dollars being spent in abundance on the military while Americans have the most expensive and useless healthcare in the Western world? Oh, and America's infrastructure is 10th rate to the rest of the Western world. Educational status is pretty low too. The gun problem has been out of control for a long time. And the happiness index is extremely low compared to other countries. There is a massive mental health and drug crisis. But free healthcare like the rest of the civilised Western world is apparently a problem???
@amymoores1112
Жыл бұрын
Nadine white, the state I live in, mandates everyone to pay for health insurance. You have to have it.
@dungeonmaster6292
Жыл бұрын
The only thing modern western allopathic medicine will do for your cancer is try to carve it out, chemically poison you, or radiate you. Either way you'll die 6 months after you would have had you done nothing only having spent all your money and living the worst kind of life those 6 months.
@DieGurkenfresser
Жыл бұрын
@@soniasias6226unless you get sick. Then you choose poverty. Weird
@StonedtotheBones13
Ай бұрын
And as a patient, I appreciate the time spent on that. I've gotten stuck with big bills before bc even tho the procedure should be covered, the Dr was not in network. And then one time insurance decided after the fact that a diff (painful) test was unnecessary, so to add insult to injury, bill. And then sometimes when I call insurance to find out if smthn IS covered, they have no clue 🤦
@TownGirl04
Жыл бұрын
So true. Even in Canada, putting codes in for Health Care is a problem. And it eats up everyone's time. This NEEDS to stop.
@Stumblingthroughlife
Жыл бұрын
Unfortunately fraud is very real and is very costly to everyone.
@TownGirl04
Жыл бұрын
@@Stumblingthroughlife They are not doing it for fraud they are doing it because no one can find the freaking code to use.
@yxmichaelxyyxmichaelxy3074
9 күн бұрын
What???
@noelleabra147
Жыл бұрын
This lady is a business women with endless amounts of income. If her insurance doesn't pay, she'll be fine paying 10s of thousands of dollars for any procedure she needs. 90% of America don't have that luxury. This doctor treats that 90% and is a patient advocate. Keep fighting doc, we need people like you.
@AndreLobov
7 ай бұрын
People like her--everyone working for health insurance companies at an executive level--should get the Robespierre special
@samaraisnt
7 ай бұрын
Why tf are you attacking her? She’s rich, so is he. You don’t know what she advocates for. He’s a doctor ofc he advocates for medical care. She’ll do pro bono(free of charge) work for vulnerable people she sees as in need even above financial need, such as children, disabled, people on death row, or whatever she’s passionate about. Even just being poor is a good enough reason to be helped by a lawyer when you need it. People are passionate about different things. I’m passionate about orphans, water access(#1 killer of children) and indigenous rights. Get off your high horse. She’s there to learn, not to be judged.
@At76812
7 ай бұрын
@@samaraisnt I think you might be confusing her with someone else, are you thinking she’s a lawyer?
@theBestElliephant
7 ай бұрын
@@samaraisnt She's not a lawyer, she's a venture capitalist. She makes money by taking advantage of people trying to get their ideas off the ground, aka she makes money by having money. There is nothing altruistic about what she does.
@aidankelley2696
6 ай бұрын
@@theBestElliephant if we want to talk about venture capitalists who take advantage, look no further than kevin o;leary, absolutely out of touch with reality
@LILJROD90
10 ай бұрын
“The objective of the insurance company is not to pay” truer words never spoken. Unfortunately insurance companies don’t give two shakes about you. They only want your money and to never have to pay out. And will do everything they can not to do so.
@denisesurber8176
6 ай бұрын
They will pay though sometime. Just not the way they expected.
@1retiredknight
6 ай бұрын
Insurance is gambling. Anything they do that appears to be for you has been calculated to increase profits. Do people think casino's comp hotel stays to be nice?
@yxmichaelxyyxmichaelxy3074
9 күн бұрын
Here in Canada, we have private health insurance included as an EXTENSION of our provincial health insurance. The majority of those private health insurance programs are provided as benefits from your employer. Private health coverage only covers anything not covered by our provincial health insurance. It is illegal to do otherwise.
@place4All
11 ай бұрын
This is so true! Not only the Health Insurance Companies is wasting the doctors time and questioning without having knowledge, they are deciding who lives and not. All while they charge more then ever for less coverage.
@rosegoddess2688
Жыл бұрын
“But again the objective of the insurance company is not to pay” 💭 👀👂
@cathymckay5915
Жыл бұрын
You got that right!
@maximeboissonneault6203
Жыл бұрын
That is called universal public healthcare, and literally every modern country has it except the USA
@ally_h8742
Жыл бұрын
Get everyone to sign up, and cover as little as possible.
@ally_h8742
Жыл бұрын
Get everyone to sign up, and cover as little as possible.
@xplicitgoofy1015
Жыл бұрын
switzerland doesn’t have a universal healthcare system and it is doing just fine with the best healthcare system in the world. Universal healthcare won’t solve any problems we must regulate these insurance companies and get everyone insured these insurance companies must pay they make billions of dollars each year in profits and pay their CEOs 10s of millions of dollars Id say that’s pretty messed up and they must be punished
@EricKreckman
Жыл бұрын
True true true. It's important to note that most of us are seeing more and more patients during typical business hours and to fight an insurance company literally takes you away from another patient.
@kpoponbeet
2 ай бұрын
I’m a pharmacy tech. One of the biggest insurance rejections is that a medication isn’t covered by the insurance, or that the diagnosis code provided by the doctor isn’t covered for that medication. Sucks for people just trying to get/feel better :/
@Texbun2
Жыл бұрын
And what sucks even more: without insurance, you are fucked.
@Camazotz-kz9wr
Жыл бұрын
@@prokrastnation6071 Um... no they won't. Where are you from? If you can't pay, you go into debt.
@Camazotz-kz9wr
Жыл бұрын
@@prokrastnation6071 If by paying, you mean they will do procedures you can't pay for. Yeah. Because they cannot deny care. But you're going into debt. It doesn't magically get paid for you.
@Texbun2
Жыл бұрын
@@prokrastnation6071 That may be in the case of an emergency, but when you are doing preventative care, you pay a lot more out of pocket. For example, without my health insurance, I would pay over 200 dollars each to see my psychologist or psychiatrist. For a doctor visit and blood tests...out of pocket expenses. For my medication, luckily with our grocery store discount and I can take generics, 60 plus for a ninety day supply. God forbid I get other prescriptions where I may need to pay full cost. If i get glasses, you bet I'd be paying about $500, dental...full cost....and you pay for each procedure. We went without insurance for a while, and it was costly then and costly now because we were paying catch up with our health. I was lucky when it came to my teeth...one extraction and several crowns. My husband...not so much. Since he grinds his teeth, they got to a point they started to rot. He has lost most of his teeth, has had several abscesses, has pain, and requires dentures.
@kellitrevino650
Жыл бұрын
@@prokrastnation6071 I know first hand that the state will not eat cost or even get care for services even when the person is dying. I went through this last year with a young adult child. I had to drop state insurance and buy private to save her life. I make 42k a year.
@stanleyjones1935
Жыл бұрын
Not necessarily, put the money you'd pay to the insurance into a high interest savings account, tell the hospital to bill you. Insurances actually only pay 10% -15% of what doctors bill them. Often even less, the hospital will send you a bill that's so so much lesser than the actual billed amount.
@aaatt268
Жыл бұрын
Why do we need a third party (insurance companies)? Why is Healthcare in America so backwards? Who gains from this?
@SilverReviews
Жыл бұрын
The rich gains from this
@gary9933
Жыл бұрын
People like Mitt Romney.
@swannyriver75
Жыл бұрын
Pharmaceutical companies and hospitals
@carmaela2689
Жыл бұрын
Everyone gains but the one paying the premiums and the healthcare bill
@GabrielleTollerson
Жыл бұрын
politicians and the elite
@Hava_Hadi
Жыл бұрын
As a patient with auto immune disease, I can’t tell you how many times the insurance company doesn’t pay.
@TyphinHoofbun
Жыл бұрын
Oh man, I had disability insurance through work, and I ended up having to sue them because they wouldn't pay. The lawyers I had gotten to help me had a doctor who specializes in my specific type of autoimmune condition and the neurological damage it causes go through my file, and the insurance company rejected it because "That doctor never actually saw you in person, so their determination can't be trusted. Instead, we'll trust the determination of our neurologist who specializes in head trauma from car accidents who never saw you in person."
@Hava_Hadi
Жыл бұрын
@@TyphinHoofbun I am so very sorry.
@TEDOGIRL02
Жыл бұрын
Ditto. I just commented about this.
@Hava_Hadi
Жыл бұрын
@@TEDOGIRL02 it’s such a shame. Stay well friend!
@NuNugirl
11 ай бұрын
The number one reason I didn’t get the Covid “ vaccine “ is, the high percentage of patients like me who came out of remission after getting it. I would rather risk getting the virus over that any day. I never got the virus! I had to have my spleen removed in order to go into remission, so how could I be sure another treatment would even work. I don’t. Auto Immune Blood Disorders suck.
@arfriedman4577
18 күн бұрын
Years ago, my friend went to school for medical billing. She has a great company owner. After a few year there, she can make her own hours to start and finish. She just has to get the work done for that day. It's nice to see Barbara and Dr Mike's podcast.
@angelsgranny
Жыл бұрын
This is exactly why my doctor gave up and quit being a doctor. All the good ones are either retiring or changing their career choice.
@musical_lolu4811
11 ай бұрын
As soon as I found my outlet (April this year) I bounced. Never looking back.
@356z
7 ай бұрын
I find it incredibly sketchy when medical doctors get involved in law.
@angelsgranny
7 ай бұрын
@@356z Seems downright criminal.
@genericscout5408
6 ай бұрын
Or never going in.
@projectkj7643
6 ай бұрын
I just posted the same! My PCP just quit… she loved being a doctor, she loved her patients… but she couldn’t work 24/7 with these insurance companies. She was burned out.
@thebigomn2907
5 ай бұрын
Unreal the level of corruption . If he being a doctor orders a test or meds it's not up to the insurance to say what his parents need.
@csnide6702
4 ай бұрын
What Mike isn't saying is that Doctors and hospital administration lack of taking action LED TO THIS HAPPENING... They are just as much to blame.
@Melody-ym4do
3 ай бұрын
I think some really do try, but you're right about some of them, there are some that shouldn't be doctors, or in any health, medical, or mental health profession, sometimes the hospital hires flat out druggies and criminals too. Shouldn't be allowed at any places claiming to be any type of "health or wellness center"@@csnide6702
@strnvii
2 ай бұрын
@@csnide6702they're doctors, not politicians
@WarlocksHQ
18 күн бұрын
Shouldn't be but it is
@WarlocksHQ
18 күн бұрын
@@csnide6702what?
@MattcraftMSTR
Жыл бұрын
I honestly can’t fathom why we pay people who play professional sports or people who play a character in a movie tens to hundreds of millions of dollars while we leave people like doctors, firemen, police officers, and teachers with relatively low pay in comparison.
@testilande9116
Жыл бұрын
Bro u have any idea how harder it is to be in professional sports or acting compared to doctor firemen police officers and teachers 💀
@connorokeefe269
Жыл бұрын
@@testilande9116 yes. Way easier.
@filipe.sm31
Жыл бұрын
Unfortunately because this is how business works and succeeds. An actor or a sports player brings a lot of fame (which means cash) while a doctor is discret
@69cheesyfries
Жыл бұрын
Right? These people are essential to the community! They come before any entertainers.
@Wolky324
Жыл бұрын
Because they generate more money
@user-bn5qw6ep2n
8 күн бұрын
Most insurance companies are an abomination. Bless this doctor for being honest.
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