Healthcare | The Complete Moderate's Guide
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- čas přidán 22. 10. 2019
- American healthcare is like no other on Earth - needlessly complicated, expensive, and ready for reform.
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In the interest of being a Moderate's Guide and covering bOtH SiDeS - the Republicans want to keep things the way they are... maybe even privatize them more.
Germany established their universal Healthcare system in the 1880s.
@@fionafiona1146 well well well.... wheres the hook?
Like the somewhat unbiased look at this, I’m a die hard republican but I enjoy when people put out sensible arguments and don’t just say “no you’re a nazi for not wanting universal healthcare”
@@seanchambers5381 your not a nazi for being a republican lol. However if you watch this entire video and still think that our system is working properly your fucking out of your mind. Just wait until you have to go to the hospital, then you will fucking understand. Everybody thinks our system works properly until it is there turn to have a major illness or accident.
@@aturchomicz821 there isnt rly one Oo its just way better then the us shit
☝️presenting to the emergency room☝️
What happened to their brain?
My two favorite channels 🙌🏼🙌🏼
get off CZcams and get back into the E.R hahhaha
It's amazing seeing you grow from making Nuclear Throne vids, to now being parodied! That must feel awesome.
😁
You're wrong about stitches though, there is one class that is more prone to needing stitches.
That would be Snitches. Snitches get Stitches.
💭 +1☝😁
Prisoner's insurance will terminate immediately after convicted (and all your money taken away).
And prison will not pay your medical bills, you might just go DIY stitches lol
I’ve worked on a few ambulances in my time and it’s sad the amount of people that actually do this with serious injuries
I just choked on air thanks
i see...
I remember when I still lived in Spain with my family, one particular year, my brother broke his hand and sliced a tendon down to the bone, I needed a series of complicated lung tests, and my grandmother needed three surgeries. None of us paid anything out of pocket.
Fast forward a few years, me and my immediate family now living in the U.S., and my mother breaks her leg and requires a year of healing, regular visits, and rehab, and the financial strain it put on my family almost broke us and eventually contributed to my parents getting divorced due to the high amounts of stress it placed on the family.
If that's not a broken system, then I don't know what is.
What happened in Spain? Did your house collapse?
@@alanli2404 our house? or representatives?
if you're talking about the confusing mess that is our political system right now... Nobody knows, lol.
Essentially, the constitution says you need 51% of the electoral votes to form a government, but there's currently 5 "main" parties and many small ones. So.. you do the math. None of them have reached 51% for the second time in a row. There used to be only two main parties, but they broke apart and now there are more than 5.
@@the-real-zpero I meant when a group of 3 gets broken bones, sliced tendons, require lung test, and several surgeries. All in one year.
ie literally your house collapsing, or a catastrophic car crash, prob something else?
People want free healthcare, they don't know it could work.
@@the-real-zpero why did you leave spain????
O wait I know you probably though American was this shining city upon the hill like that's what all the cold war propaganda said but wait upsy it turned out to be the muddy rotten city behind the hill
I had a friend who fell off a ladder and thought she might have broken her leg, but decided to wait a day to see if it got better before seeking treatment. As a Canadian, this is *insane* to me. **Insane**.
It costs roughly 500 dollars to even get a check-up on my insurance
"Just leave me here to die, I don't have health insurance"
- My brother's friend after a severe head injury -- its funny in retrospect, but pretty tragic to say
SomeGuy i knew a guy who operated on his own leg (numbed & anesthetized the area, cut it open with an Xacto blade, pulled a rusty metal splinter out and restitched the area) because the hospital would have decimated him financially. This is the ONLY COUNTRY this crap happens in.
@@pauly260 I'm pretty sure your comment is anti patriotic, borderline socialist terroristical. How dare you! God bless you, you'll need it.
@@PandemoniumMeltDown You know that in most of the rest of the first world countries healthcare is almost free right?
@@enricobianchi4499 I'm pretty sure he was being satirical.
@@jeskler In hindsight, I'm an idiot. You're right.
Why is this healthcare system a dungeons and dragons game
Because private insurers are basically just chromatic dragons?
Because the game is profitable for quite a few people who run the game, but are smart enough to insulate themselves from having to play the game.
Nah, D&D doesn't have enough numbers. It's more like Pathfinder.
Car rolled a 20. I rolled a 1 at the hospital. Critically billed.
The only thing missing is for you to roll a dice whenever you need treatment...
I was a healthy 31 year old in Wisconsin with terrible private health insurance ($250/month) that doesn't seem to cover anything. Got attacked by a dog while riding my bike. Biked my ass to Urgent Care. Got a tetanus shot and 3 stitches. I got a bill for about $600 a couple of weeks later. Then a couple of months later I got another bill for nearly $700, due immediately, and quickly went to a collections agency. The first bill was apparently just for the facility, and the second bill was the fee for the physician services. Oh, plus another $100 to get the stitches removed, and whatever the antibiotics cost that I got prescribed at the time. Over 5% of what I earned annually at the time went to those 3 stitches. If you factor in how much I was already paying monthly for insurance, over 16% went to healthcare that year. We need universal socialized healthcare, and I don't care who we need to guillotine to get it.
What happened to the dog & more importantly, the dog's owner.
No guillotine please. I was ignorant and was against it. Now I'm for it. Ignorance is cured w knowledge
I got a bill of around $70 in Poland, when I hit a lamp with my hand. There was no tetanus,that's the difference.
Time: 45 minutes from coming in to getting out.
UK here. NHS literally saved my life. I spent 5 months in hospital. Billed cost to me was zero because I've funded the NHS through taxes and will continue to do so every year.
We Americans pay our taxes and what we get in return is crumbling infrastructure, a bloated world police military, and when we demand more we get called socialists while the Uber wealthy get all the breaks and help they ask for.
Radicalism is on the rise because things are getting desperate and we are reaching a breaking point. The pot will boil over sooner or later.
My youngest child had heart surgery before his first birthday. In the US I would have spent more than half a million dollars or would have to watch him die. Luckily I'm Canadian and it cost me $1.50 for parking. I don't understand why there isn't a refugee crisis of hundreds of thousands of Americans fleeing north. As it is we do get a lot of health tourism with uninsured Americans coming for procedures and treatments because even without the benefit of a provincial health plan it is far cheaper in Canada because it is just not for profit. I have an Irish friend who needed an appendectomy in Canada. The bill was $3500, but due to agreements with other commonwealth countries the NHS reimbursed him when he returned home. Not sure if that's still a thing, the story is from the early 1980's when I was a university student.
@@captain34ca That’s a bit misleading. I’m 100% in favor of M4A but in the current system if you have health insurance in the US, which most do, it would never cost you anywhere near that amount. As mentioned in the video there’s a MOOP. Canadians often have this weird misconception that everyone pays for everything out of pocket. That’s not how it works. Canada’s healthcare system isn’t a huge improvement over the US. I’d much prefer something like the NHS or Japanese Healthcare system.
@@Inazarab I actually priced i out. Of course since you don't know what procedure was involved or what the issue was or what other complications were expected you can't possibly have any idea what the price was. I contacted 3 US hospitals out of the 7 capable of doing the procedure and $512 000 was the lowest estimate. By the way, most white Americans have health insurance.
@@Inazarab I would not have had health insurance if I was in the Us because I was self employed and just starting out in business at the time and my wife was fresh out of school so neither of us would have had employer benefits or enough money to self fund all of a private for profit plan. If I did have insurance the cost would have been likely a bit more than half, still prohibitively expensive.
ngl i laughed at the start of this video, didn't expect him to chubbyemu.
Seriously! I loved the intro! 😂😂😂
I know right
-emia meaning presence in blood.
*-emia meaning presence in blood.*
*-EMIA MEANING PRESENCE IN BLOOD.*
I love that reference
And remember, if this information makes you depressed, that'll cost you extra.
People often exaggerate the prices but whatever
Most health plans don’t cover psych care, so it will cost you MUCH more.
@@crimson6952 including this video? (Genuinely asking, I'm not from USA and I have no idea)
@@AAAAAA-zw7oh nope this video is 100000000000% true
@@crimson6952 no it’s pretty accurate. I work in outpatient mental health and one of our outpatient groups is $900 a session. The program is 3 days a week for roughly 2 months
A moderates guide to healthcare expenses here in Canada. To get stitches
- Go to hospital, may cost gas.
- get treated
- say thanks, or don't but it's nice to be polite
- walk out of hospital
Those canadians, always so nice😂
You forgot $10 parking fee
@@Slenderman63323 except I'm pretty sure canada doesn't have parking fees
edit: am I retarded I don't know why I said this lmao of course it does most fucking countries have parking fees
@@thezipcreator a parking fee in a hospital? Why would it exist?
You forgot the 12 hour wait time
So what you're saying is that if you're seriously injured in the USA you should just buy a new identity??
yes
Probably cheaper too
sign over your belongings to a company which you are the CEO of, then declare bankruptcy after the treatment...... profit?
@Luís Andrade What?
Luís Andrade what’s wrong in the video?
haha you got me to laugh out loud with that intro
Chubbyemu reference detected😂
same! :'D
@@TheValkosuklaa YEP!
14:17
Had to do a double take there. The acronym IRA means something very, very different to an Irishman.
Amazing comment.
*Come Out Ye Black and Tans intensifies*
I'm American, and I thought the exact same thing, not gonna lie.
I had it on in the background and that got my immediate attention.
Yeah, Roth IRA and the IRA are completely different things lol
As a Scandinavian, watching this makes me so anxious ... e__e;
That how we feel the whole time in the US
Just don't think about the US. It causes ass cancer.
@@Virjunior01 colo-rectal cancer IS the most common type of cancer in the US 🇺🇸. Coincidence? I think not.
@@kamilareeder1493 sounds about right. We have the most obese tools.
A better title would be “why American Healthcare is a Pain in the Ass”
"Why American Healthcare is yet another way for rich bastards to take staggering amounts of money from working class people"
Easy explanation: American suppositories are just a lot larger
Misspelt "active scam"
Such a video would be more focused on insurance lobbying and propaganda rather than just focusing on the costs and such
Gotta love the free market where educated consumers can make educated decisions. All you need is an associates degree in medical billing and you too can be an educated consumer.
Amy Montgomery Its by design. Same reason we have a underdeveloped rail system. So you can be forced to buy cars and gas. Same reason we have the 40 hour work week and low wages. Unregulated capitalism is designed to be be neofeudalism
+Feckless
I see you there, comrade ;)
America likes to call itself capitalist, but they're really not. Nor is anybody else. Capitalism requires _informed_ people making _rational_ with _honest_ suppliers. All three of those things are missing in practically all aspects of life. Even something as simple as picking out produce at the supermarket can be confusing if you truly care about what you're putting in your body (place of origin, what chemicals they use, whether those chemicals are "organic" or not (another term that doesn't mean what most people think it means,) and so on and so on.
Suppliers have a natural incentive to advertise their product as the best it can possibly be. That means they exaggerate all of its best features while hiding all of its worst features. And things like corporate espionage laws and trade secrets mean consumers often have no way to know how accurate that advertising is -- we're not informed _and_ the suppliers are not always honest. Two of the important factors of capitalism shot down by the nature of well.. capitalism. Its a self-conflicting ideology
And no I'm not trying to say communism is the answer (never mind that this isn't a binary choice anyway. Its not even a one-dimensional spectrum.) Communism is also pretty self-conflicting. It relies on everyone being treated equal, but someone has to make decisions so they necessarily become "more equal" than their comrades. defeating the whole purpose of communism (and often leading to dictatorship, as we've seen many times around the world.)
The answer is, as with almost everything in life, somewhere in the middle. Capitalism works well for commodity items where the market can reasonably support many suppliers, the barriers to entry are reasonably low, and (here's one that's often overlooked) the externalities are minimized -- that is, the harms to other people, the environment, etc that aren't explicitly covered by the supplier as part of their cost of doing business.
Roads are a perfect example of something that can't really be dealt with by capitalism. Even if the costs were small enough that you could have multiple competitors, having 14 roads covering the same route would be a massive waste of space and a huge eyesore -- ie: huge externalities. For those kind of cases, a socialized system isn't just the "best" option its really the only practical option.
Its not necessarily as obvious to see why healthcare shouldn't be subject to capitalism. But it falls under the "harms other people" category. Most people instinctively think "what do mean? How does it harm anyone else if I don't want health insurance?" But they're thinking in the wrong terms. _They_ aren't the supplier. They are the customer. The health insurance provider is the supplier, and every time they deny a claim for the purposes of their financial gain, they've caused the claimant harm -- and not always just financial harm. If the claim denied was for something life threatening and the claimant can't afford to pay out of pocket, they may not even live long enough to see the court case finished, even if the lawsuit would have been ruled against the insurance company.
Also, socialized programs are almost universally cheaper (.. on average, which is a big caveat for a lot of people ..) than similar capitalist systems, mostly due to economies of scale. What they typically are not is innovative. If a company makes a product for $50, all equivalent products are generally going to be around $50 as well. If you multiply the production factor by ten thousand by socializing it, you may reduce the cost for $48 through scaling. And that's kind of where it would stay forever in a socialized system (barring external influences such as the cold war provoking the USSR's military innovation.) While bringing it back to the capitalist system, sure all the _equivalent_ products might remain $50 forever (slightly more expensive,) but there's far more incentive for someone to innovate a _better_ product that either provides more benefit for the same $50 or does the same job for $40.
Of course, that innovation angle is one that many people try to take with respect to healthcare as well. But those people are misleading you, either because they're being deceptive or because they don't know any better due to only having heard arguments from deceptive people. Its true that there is huge amounts of innovation in the _medical_ industry (and getting faster by the day it seems,) there is very very little innovation in the medical _insurance_ industry. And its the insurance industry that ideas like medicare for all is wanting to replace. Because figuring a new legal loophole to screw your customers for another 0.01% profit is not "innovation" by any normal person's standards, and that's about the only "innovation" that medical insurance providers have really offered in the past 4 or 5 decades. All you're doing by keeping private providers is paying them that extra $2 for the privilege of being able to shout "rah rah capitalism!" whenever someone points out the failings of the US healthcare system.
@@altrag Capiralism works just fine without all that, as long as there's private market that's all you need. But if you want capitalism to work as advertised you need perfectly informed customers.
@@mukkaar Unfortunately that's not all you need. You can have a private market under a communist system. Everyone is considered equal under communism (supposedly,) but they're not considered to be identical replicas of each other. Even communism recognizes that one person is going to want beets for dinner while the other person wants potatoes. Under communism, _supply_ is centrally controlled.. but demand is not, and pretty obviously can't be (at least until we perfect cloning.) Look no further than China to see this in action.
But none of that was my point. My point was simply that America is _not_ capitalist, yet they constantly try to claim capitalist ideology, mostly from rich people as an excuse to never change anything because the current system disproportionately benefits the rich (whether they earned it or inherited it or just got plain lucky.)
Yes they have a free market, and certain individual industries are _kind of_ close to being truly capitalist, but as a whole they're just.. not. And anyone who tries to claim "but we shouldn't do it because capitalism" without any further argument, no matter what "it" is, is either being intentionally deceptive, or doesn't know what they're talking about.
That kind of touches on what I was alluding to when I suggested that capitalismcommunism isn't just a binary, its not even a spectrum. Capitalism invokes private supply, but it also invokes individualism, while communism invokes both centralized supply and also pure equality. That is, there's both an economic dimension _and_ a social dimension to that dichotomy, and not only can you consider possibilities on the line between the two well-known ideologies, you can find possibilities across an entire grid.
And there's also been a political dimension added to the terms as well along the way. This is especially true in the US where the two-party system means all issues have to be split down the middle and over time get associated with each other -- conservatism is "capitalist" while liberalism is "communist." Even though the political and economic/social systems have nothing to do with each other. A "conservative" in China would be a communist as that's the status quo in their country, and therefore its the system they're trying to conserve.
Of course Americans tend to be kind of bad at reframing questions and arguments in the context of other countries, so that point is moot for the majority of people in the US and for all intents and purposes, conservatism and capitalism have been inextricably linked, becoming a third dimension in that "dichotomy" from the American standpoint. Which makes silly assumptions like "gay people are communist" actually happen at times, because the Democrats tend to support both gay rights and (slightly more) social policy while the Republicans tend to oppose both. I call it crazy because as far as anyone knows, there is absolutely no link between sexual orientation and economic concerns, beyond the fact that they both happen to be "Democrat" ideals in the two-party world of American politics.
I live in germany and the thought of having to pay for the ER is so weird to me. Or bankrupting your entire family if you get cancer
Jakob Friedrich us Americans don’t have to bankrupt our families, we just start cooking meth in an RV
I once took my father to the hospital he could barely get through the door and before we even got to the point of filling out the sheet to be seen they asked for $70
Yeah were also considered the "radical left" for suggesting that it dosnt have to be this way.
@@ianwells5414 that's the saddest part. Just looking at the replies to Bernie Sanders tweets makes me wanna cry. He would be considered a conservative in germany
Same lol, From Sweden
Hi I'm an actuary having worked in this industry for over 15 years. Great summary! I would've characterized the plan types and ACA metal tiers a little differently, but minor details. Like your other videos, I'm super impressed by how someone who hasn't been immersed in this field could go so deep on these topics.
One thing I want to call out with regard to the $3,000 stitches example is that if you were on the hook for the entire premium (which is most definitely not the case for most people with an employer-provided plan), you really can't expect to break even 95% of the time. The same is true on car insurance, and we accept that as a fact. However, nobody should go without health insurance in America because a simple hospital stay could run up a bill in the 5 to 6 figures. It's also increasingly common to see patients that need over $1 million of services in just a few short months, thanks to our fancy medicine and the capitalist system that runs it.
Lastly, a nod to your "bloat" comment toward the end. The more I think about every aspect of my work, the more I believe in a single-payer system. It's the right answer to every American, their career ambition or life goals, their employers, and their dependents. Yes it would cost me my job, which I enjoy for the problem-solving challenges, but it's the right thing for America to eliminate the need for people like me. It's unfortunate that these discussions too quickly evolve into blue vs. red political shouting match without thoughtful substance. Well, I guess we now at least have your audience who knows better :)
Honestly you and others in your career could do so much more good for society if we had a single payer system. Unfortunately, it seems that we will literally have to wait for the baby boomers to die out before we can actually modernize the financial side of health.
I always like to boil it down into super simple terms: Health Insurance companies do not add value to the system. Once I can get the person I'm talking to to agree to that point, it becomes really easy to explain that they're not charities and therefore any money sent to them has less impact than giving it straight to the hospital or alternatively some sort of central health savings account so we can pool our expenses. Makes the argument for abolishing insurance companies pretty simple.
It's ridiculous to say that health insurance doesn't add value. The alternative is paying out of pocket for everything. For many people that would mean if they got sick it would bankrupt them. The health insurance companies allow you to pay a premium whether or not you get sick and spread the cost out between multiple people which reduces risk for each person. If you are very wealthy its probably not a good deal, but with how expensive healthcare is to perform almost nobody should be paying out of pocket.
Some countries like Canada have public health insurance instead of private like the US. The NHS at its core is also just basically health insurance provided by the same entity that owns the hospitals and clinics. Most people don't want to just gamble their livelihood on a medical bill.
@connormullin4547 you should read his comment again, try reading it about 10 times to make sure you actually get the point he was trying to make.
@@hmkhgx8068 I think the comment about having cash is still relevant.
@@connormullin4547 It is always mind blowing to watch a person walk up to the point and completely miss it. Bravo.
@@connormullin4547ok Mr. Healthcare insurance rep
Jeez! In Norway this video would be 10 seconds long. “You are born. You are covered. The end. “
Heh, some European countries have better story: a free pill fail, you are covered from now till the end. :)
Okay dude America doesn’t have the oil or the healthy life style it’s not possible to have anything like the Norwegian style even if everybody wanted it
@@a-10wartaboo77 America doesn't have the oil? Are you sure?
@@a-10wartaboo77 we 100% could do it. Don't be naive.
@@ispartacus1337 besides the tax savings I actually think it could be a net benefit because it could cut the days lost to illness and sickness significantly and increase gdp
As someone who lives in Denmark where healthcare is entirely free for all citizens (or rather universally paid through tax), this hurt more then a little to watch.
As a married American with four children who lives with this system every day: it is excruciating. And our family doesn't even have any preexisting conditions. I just want to be able to take my kids to the doctor and know what it's going to cost. Instead, I take them for their physicals and if they don't need shots it's $30 bucks and we're good to go. But, if they need any kind of shot, I can look forward to receiving a bill costing $$$s. The "system" is such a joke and the fact that there are so many people who are against nationalizing our system makes me furious.
@@KatrinaHawkins And why do you assume that socialism is the answer for you? I think the system is frustrating too, but NOT because I think we should raise taxes and tell doctors and nurses and drug companies we're going to take their salaries away. The reason it's frustrating is because there are so many RULES, PROCEDURES, RESTRICTIONS, and a complete disregard to talk PRICE.
Imagine shopping for a sofa absolutely nowhere in the store is a PRICE listed. "We'll send you a bill, don't worry about the price right now. Just get the sofa. Oh and the only color you can get it in is white. Also, we'll need a letter from the store that sold you a chair that you actually qualify for a sofa".
What we need is a completely transparent and capitalist healthcare system.
Nationalized healthcare? Screw you.
Well your government actually cares for it's people. The US is way overdue for a violent revolution.
@@suserman7775 You have no idea what socialism even is based off that comment. But, all you did in said comment was a load a horse shit, especially about taking salaries away from doctors and nurses. The problem isn't rules, procedures and restrictions. It is price and it how private insurance companies continue to fuck over working Americans.
You're using the price of a sofa as a way to argue against universal healthcare... wow. Screw you.
@@suserman7775 Who said anything about taking doctors salary away? They're still employed by the same person. The only thing that changes is the insurance provider. The insurance pays for whatever that doctor says you need and it gets paid for no questions by single payer insurance, the doctor is trained to know what you need, insurance is not. I'd rather not have insurance say I don't need this surgery and let my doctor decide what's necessary for me.
Knowing Better: Say MOOPs
Me: I' M SORRY, BUT THE CARD SAYS, MOOPS
When I needed surgery, the surgeon and hospital were in my employer's network. My cost was up front. Nobody said the anesthesiologist was out of network. His unexpected charge for over $1000 was sent to a collection agency before his office ever sent out a bill.
Lol, yep. You never even get told. And they often don't even actually try to collect it from you. Half the time they don't even send an actual bill to you. Because they *know* it won't get paid---largely because people realize the system is a huge scam--imagine a system where you go to Costco and buy stuff then Costco sends you another bill later after you already paid---yeah. So it just goes to collections and they annoy you for a couple years, you ignore it, and it goes away. But the people who do pay have to pay more, and the viscous cycle continues, it's totally screwed up!
That should be in violation of the Fair Debt Collections Act, but health providers are often exempted from these laws.
It may have been beneficial to add context to the "you may have to wait longer" by showing that in the UK (for example) wait times to see things like an oncologist or a cardiologists are the same or faster but you may have to wait longer to get into the podiatrist to get that wart frozen off. But I can understand not wanting to bloat an already 30+ minute video. Thank-you CZcams analytics!!
yeah its about whether it is urgent or not
Which makes sense, unless you want rich people with less urgent needs pushing ahead of poorer people with more urgent needs. Ah, class warfare.
@@Paul-zk2tn well thats the us for you
We in the US have wait times too, just a different kind. My family is pretty much middle class and we depend on credit cards for emergencies. We have a high deductible health plan which means we pay out of pocket almost all of the time. If I need to see the doctor for something non-urgent, I almost always WAIT until it becomes urgent and I have to use a credit card. Even a regular doctor visit runs around $125 and that money is usually prioritized for other things like food and clothes.
I was diagnosed in the early stages of cancer in 2013. By dumb luck I happened to have awesome insurance at the time so the $2000 CT scan that found it (the scan was for kidney stones) only cost me $45. That type of plan is virtually not available through employers anymore. The "good" insurance I have now has a $2000 deductible. There is no way I would get that same scan done now and pay out of pocket so I would only find out about the cancer when it was making me sick.
@@richdaley9982 Dude... I hate you break it to you but if you can't drop 125 dollars on the doctor when you need to go because it's earmarked for food or clothes... You're not middle class.
Can we all just take a minute to appreciate how awesome it is that Will / Knowing spends tons of hours researching,writing, filming and editing to make these awesome videos! & breaks down hard topics into easily understandable chunks!
right there with ya!
It wasnt that easy to understand, which makes his research even more impressive. But hey, Im Scottish, so I've never paid a dime outside of tax, makes it simple if nothing else.
@@Paul-zk2tn I once spent a couple months trying to develop an understanding of the us healthcare system and this video explains things I completely missed in my research it isn't very easy to find the information if you don't know what you are looking for.
@Maddog did you just doxx his first name?
@@Brooklyn-Manhattan I believe it was out in public prior to that reply.
Gotta say I’ve been living in Japan since I finished college and while I pay a good amount for my insurance, I was happy to see that I’m in fact paying less annually than what I would’ve been paying in the US. And I pay next to nothing for using the hospital, and it covers dental as well. Eyeglasses cost less here too because the exams are always free. And the care is in general good.
Well yes in Japan the government heavenly subsidies healthcare
I had insurance there provided by my work and I only paid $90 a month, but I probably paid more out of pocket (I believe it was 20%). I had to pay $300-$500 a month when in the U.S.
@@a.n.l.aantineoliberalismas4504 yes, which is how it should be
One advantage of the UK system is its extremely easy to budget for healthcare since you can easily compute your NI contributions from your salary and the maximal extra cost is prescriptions (which is unlikely to be more than £200 in a given year). The amount of stress this relieves is incredibly notable.
The UK system doesn't cover long term care. If you need people to help you cook and wash because you got injured, you will have to pay out of your own pocket. If you run out of money, the state will then cover these costs.
That is a big problem
Quick note about -UK- _English_ prescription costs, because not enough people here seem to know about this... (Prescriptions are totally free in Wales and Scotland! Not sure what Northern Ireland's doing, sorry…)
*If you need regular prescriptions, you'll probably save money by getting a prescription prepayment certificate (PPC)!*
"Regular" = 4+ items in 3 months or 12+ items in 12 months.
Current prices are:
• Prescriptions: £9.35 per item.
• 3-month PPC: £30.25.
• 12-month PPC: £108.10.
(Prices tend to rise a little each year. And I don't have data on this, but it feels like the 12m PPC increases _less_ than the individual prescription charge.)
The 3-month PPC's £30.25 has to be paid upfront, but the 12-month PPC can be split over ten monthly £10.81 Direct Debits with zero interest or extra cost. Kinda weird that it's 10 months, but… 🤷♀️
So _even if you only need ONE prescription item every month_ (or every 28 days), a 12-month PPC will save you £4.10-£13.78 per year (1-month vs 28-day scripts).
While that's not a huge saving, and it leaves you paying an extra £1.46/mo for 10 months (vs one £9.35 item/month), _any_ additional prescriptions are completely free (and the 2 extra months drop the average cost to £9.01/month, remember).
It's also convenient to not have to worry about paying when collecting meds :)
The 12-month one also renews automatically, so I haven't even had to do anything to keep it active for _years._
Personally, I'd be paying almost £500/year without a PPC. Instead, I pay £10.81 a month between October and July, spend August and September feeling like I've got a bit of extra money, and save £30+/month overall 😸
(And if you don't yet have a PPC but suddenly get prescribed something that would make it worth getting one, I believe you can ask the pharmacy for a special receipt while collecting _and paying for_ any scripts you need while you order and wait for a (presumably-backdated) PPC, then the NHS will refund any prescription charges you have receipts for.
*It's NOT a normal till receipt!* You need to ask for the special NHS one which has a code that I don't recall right now.
It's been a long time since I've needed to do this so check for yourself first. It may even be mentioned on the prescription itself, if you're given a paper prescription.)
@@AndrewGillardwhoa, this needs to be more widely known
@@kaitlyn__L Right‽ The NHS isn't actively trying to keep PPCs a secret or anything, but I keep finding people who'd benefit from one but don't know about them. I think GPs and/or pharmacists should mention them more often tbh. (I realise they're all very busy and over-worked-especially my local GP surgery-but maybe we can fix that as well… maybe? please? 😩)
(Also, hi~ 😸 Your name shows up in the comments of many channels I frequent :))
The only phrase I had going through my head as I watched this was "I hope to God they don't take away the NHS"
Don't you want all theses choices? \s
We literally can't afford to lose the NHS. All of the crap in this video costs money we don't have. Health privatisation will be as disastrous as rail privatisation.
Same thing in France, it's been decades since right-wing politics blame our Social Security for having a big debt, but... that will cost a lot more if it's private run (and if we look at the numbers, the annual debt is rougly the same as the cuts on compagnies taxes XD).
Same
@@charleswhitney3235 and Britain really needs it because we have far more impoverished and poorer citizens.
When you watch a 30 minute video explaining the system three times in two days and you're still confused, that probably means something's wrong
just like our tax code, at the point you need to pay a professional to explain or file for you and you don't run a business. Somethings defiantly fucked.
I laugh from Singapore and Australia.
Im so glad to live in germany.So easy here!
@@regular_being im happy i left germany also happy i was never made a citizen of Germany
Add on to the fact American students aren't taught any of this in high school, so they are pushed into the adult world, completely oblivious and uneducated on how to.... live in America.
Hearing him praise the NHS knowing there's talks about privatising it is honestly so sad, I hope it stays public and just gets reformed
haven't you been paying attention? there's been creeping privatisation since Tony Blair's govt. It goes on still.
@@dickhamilton3517 What exactly has been privatised? And have costs increased? (silly question, I know.)
@@fishofgold6553 o my god no its steel free and if the people of the UK start getting medical bill of £100,000 then riots my friend riots
@@fishofgold6553
Since the Thatcherite government the blur between private and public care in the UK is more and more blurred.
About 18-20%, depends on your source, of all NHS expenditure actually goes to the private sector. The private sector apparently does it cheaper, but not the difficult stuff and not using its resources.
Cataracts are now heading to be almost all done by private health providers...cheap and easy - very profitable.
However all staff in private health are providers were not trained by those companies. The NHS bears those costs as they are the source of all provate healthcare staff.
As always when it comes to Chicago/Vienna school economics, private profits, socialise debt, glorify the rich, fuck the poor.
Don’t let that happen UK. Take us as a warnings
This was a well done thorough look at the unnecessarily complicated US healthcare system. Thank you!
Timestamps:
0:00 Intro
2:06 Why the Exact Same Treatment Can Cost Varying Amounts to Different People
6:06 Health Insurance History
6:52 Comparison with Car Insurance
9:10 Is Health Insurance worth it? (Yes)
9:59 Stages of Payment
11:30 Health Insurance Programs and Terms
15:01 Health Insurance Tiers
18:59 Medicare vs Medicaid
20:27 Medicare Parts and Which Costs You The Most
24:10 Prescription Prices
25:43 USA and UK Tax/Insurance Price Comparison
27:49 USA Healthcare Quality per Capita (is Terrible)
29:08 Medicare For Those Who Want it Proposal
29:41 Medicare for All Proposal
I wrote these for my own notes but wanted to share in case it helps anyone else :)
Again thanks for doing this....
Thanks
"You'll understand what they're talking about, because now you know better."
I understand it's your catch phrase...but I feel MORE confused now.
"So if you thought you knew how medical costs worked in America, now... you know better." ;)
At least you know better...
Than most Americans as you are actually aware of the mess you're in.
You know that the topic is more confusing than you initially thought so because you're confused... technically you do know better... 🤔
I'll make it easy for you. Do something that is very Un-American and study the health care systems of developed countries that AREN'T the USA. I know that it probably never occurred to you (the USA is the centre of the universe after all, right?) but do it anyway.
Avro Arrow what society in history has ever been better than current day US
got a better job recently so I'm watching this while crying to understand why I can no longer afford my heart medication after losing my medicaid love it
@blair the loser holy shit, are you okay now?
Jeez.
My brain melted at 24 minutes and I was a rocket scientist.
Rocket scientist , why do you need to research health insurance? You should be fine financially .
@@EyedMite AHAHAHASHAHAHAHA
As an engineering student looking to get into Aerospace, rocket scientists and astronautical engineers make shit money. Whichever ones do make decent money work with missiles and death bombs. The jobs are also super seasonal and unstable unless you work for aforementioned companies / sectors.
In short, if you don't mind your stuff being used to kill people, you can make money. Otherwise, it's ramen for you!
As a European, I did not laugh once. But I despaired on your behalf.
You're a good soul. We cannot act for them, only weep for callously squandered lives and futures.
Despair we can. Vigilant we must be. Vigilant, that we don't lower our standards and achievements to the low point the USA healthcare system is at.
Too large of a country. Too heterogeneous of a country. The U.S. is set in its ways with individualism and entrepreneurs that any changes, no matter how common sense based, will be seen as Communist and crazy. I do not think we should have single payer, but we should also have a system in place where people know what they will pay.
As a fellow European I shed a tear for them.
You are most charitable and altuistic.
I'm so glad you tackled this topic.
Without this video, I never would have known that the completely moderate position on healthcare was totally in favor of government healthcare.
@@richardballstein5132 Than I won't tell you that even most conservative parties and politicians in other countries support goverment run healthcare.
@@Omega-fb9ji Those "most conservative politicians" in other countries have some advantages. The first of those advantages is that they don't have 100 million obese people whose healthcare they need get the public to pay for. The second of those advantages is that those countries don't need to worry about their own defense. They know that, realistically, the US would step in and protect them if they needed it, so spending money on defense is more of a token gesture. If they actually needed to allocate enough funding to their military to be impactful, they wouldn't have the money for their massive welfare state.
@@richardballstein5132 If you watched the video you would know that It's cheaper to transit to the Single Payer system than it is to stay on current one.
@@Omega-fb9ji As long as the 50 million obese people who currently don't get any healthcare at all don't use the government plan, then it might be cheaper, yes.
honestly hearing that stitches cost $300 + sounds ridiculous for someone in the UK, you just go to the doctor and its done (ok this might take liberties with the time scale)
Cai Jones I know. U.S. healthcare is mental.
@@charlescalthrop2535 the US healthcare is the best, it just costs more.
Its Vetter if youre rich if not well
well, that's exactly what happened last time I cut myself badly. I went to the doctor. They ( actually the practice' nurse) sewed me up and told me to be more careful in future.
@@crimson6952 Ask yourself: do I know this from experience or from reading studies, or did someone tell me (over and over) and am I just believing. Maybe you should experience some healthcare in other countries, you'd be amazed. Or not, oh the blissful ignorance.
I'm a junior in high school, completely oblivious to taxes, all types of insurance, grants, and loans bc we were never educated about these things. The thought of me having to deal with these concepts in less than 2 years legit puts me in a depressive state.
You don't have to worry about it. You are an American. That means you can become the next Elon Musk. # Trump 2024.
don't worry, just stay healthy but maintaining your fitness
Dont worry, after you died because you cannot pay enough money for whatever health problems you may have in the future, there will be no more problems. XD
Hey KB, I'm a professional in the Healthcare industry and am very impressed with how you presented the information and the fact that almost all of it is 100% spot on. Keep up the great work!
Dear Americans,
We are not laughing at you, we are crying for you.
Thanks
OH HELL NAH! IM A FREEDOM LOVING SECOND AMENDMENT PROTECTING GUN SHOOTING HILLBILLY FROM MISSISSIPPI! ID RATHER SPEND $1.3 TRILLION IN TOTAL DEFENSE SPENDING THAN FIXING OUR CRIPPLING DEBT OR HAVING FREE HEALTHCARE! GOD BLESS AMERICA AND GOD BLESS DONALD TRUMP WOOOOOOOOOOO TRUMP 2020!!!!!!
We are sad for Europe and the low birthrates. Do you have any plan to not go extinct?
@@allmight9840 You don't need to have many children for them to survive childhood. This is the 21st century.
@@mlgprussian7115 to be fair, many of those guys don't trust hospitals, so healthcare is a moot point for tbem.
As a Canadian, when this topic's brought up there's almost always the "go ahead, laugh" point in the conversation but laughing is the last thing on my mind. I have friends in the US I care quite a lot about and I'm abhorred at the fact they could, at any moment, go into debt for tripping and hurting themselves.
This feels relevant considering current events
Great video, though as a UK healthcare worker I do have one small nit-pick: when you said that Sanders's "Medicare for all" is essentially the same as the NHS in the UK it misses out the other major cost-saving factor we have over here. We don't just have socialised health insurance (like MFA) but socialised healthCARE, i.e. hospitals, doctors offices, etc are owned by the government and the staff (from specialist doctors to part-time hospital cleaners) are government employees. Obviously this comes with its own set of complications and problems (both real and politically manufactured) but it means that we don't have that extra layer of negotiations between insurers and healthcare providers that MFA would have, allowing costs to be even lower. Indeed, were an influential UK politician to seriously recommend that we adopt an MFA-style health insurance system, it would be the most radically conservative healthcare policy to be (seriously) considered in the UK since the end of WW2!
Honestly though, watching things like this make me greatful for the NHS even more than I usually am!
And thanks for the great video, as usual!
I really hope the us does not adopt the part of hospitals being state owned... Image them shutting down or going without pay if the pres or senate throw another tantrum..
Yay, we ara going to give you the emergency bypass, but just so you know, our doctor wasn't paid last month and had to take another part time job and we have no cleaning staff, they were not essential, j6st ignore the bloodstains 😳
Of course the government owning that part of the process is also likely a part of why you have on average longer waiting times for care though. The government is making no profit on any of the procedures . In fact the incentive for a government body would be to allow for as few procedures / doctor's visits etc a year as they could without allowing population wide health statistics to go significantly down. The fewer health related procedures etc a year the fewer staff they need to have on hand to deal with them the less they spend. This this of course still results in a better system than the U.S. has now, but I actually think it's a worse system than the one Bernie is proposing. Bernie's system puts actual healthcare in the hands of those who are actually incentivised to provide it (doctors, hospitals, non-profits, and for-profits) to as many people as they can whilst having the government pay them to do it (thus further incentiveising them to provide it), but while still negotiating costs with them down to a reasonable level since the government becomes the only one who actually has the option to pay them to begin with. Gives them a lot of bargaining power.
@@themaximus144 That will only go so far until you start having riots. Emergency situation can't be put off. It's really bad press for the gov't to have people bleeding to death on the sidewalk. On the other hand, you might need to wait a while to get that torn ACL fixed--it's urgent, but not life threatening. What I want to know is how they handle crucial preventative care (immunizations, annual wellness visits, blood work with follow-up nutritioun/lifestyle counseling, etc).
So how long does it really take to get care? How long for preventative stuff (annual visits, well child check-ups, immunizations)? How long for urgent but not life threatening care (torn ACL, gall bladder removal, etc). How long for urgent care/non life-threatening emergency treatment (stitches, ear infections, strep throat, broken bones)? How do they handle long term high intensity care (cancer, diabetes)? Does it take so long to get cancer treatment that it's untreatable by the time you get in? I'd love to compare. Because it's not like we get really efficient medical service here. I have to make appointments for annual wellness visits at least 2 months in advance, but I can almost always get a child screaming from an ear infection in for a same day visit, or in to an urgent care clinic if it's a weekend or in the middle of the night.
No plan in US will be as efficient as The NHS for a while, not including the savings gained from the government staffing the hospitals directly. The UK has been doing socialized health care for a century. It is going to take the US a long time to negotiate prices down and get hospitals to focus on efficiency over pretty glass buildings.
Correction at around 30:00
The U.K. is public funding of public institutions. M4A is public funding of private institutions. They are different in this way.
hello secular talk viewer lol
@@SpiderWick12 Accurate lol :)
This is true, Medicare for all is actually a lot like the French health care system, where the insurance is national but the providers are private.
I am concerned about abuse. America has a history of lobbyists and government stooges ensuring that corporations git theirs.
I think that is the point that any true moderate has to contend with. b0tH sIdEs pitch ironically dubious questions giving the illusion that they represent the spectrum. They often do not.
In this case, what about assurance, private practice coops, insurance driven health clinic, etc. there are so many options for fixing things, it kind of suck that we only get presented with 2
Got into a car accident last March. I wasn’t badly injured but still wanted an ambulance to check me out just to be SAFE. Ended up getting an X-Ray on my knee and they found nothing.
Even with insurance from my FULL time job I still got a $1300 Hospital bill... for an Ambulance ride and an X-Ray. Thats almost as much as my monthly income. I also didn’t get a stimulus check b/c lol dependent despite being the only one paying for my family’s bills at the time (i know its not that relevant but it was just salt in the wound).
If I was seriously injured or unable to keep working I’d prob have been homeless by the summer. Shit is so fucked here.
This country deserves destruction.
Conservatives, "competition is key to the economy"
Conservatives, "nothing is wrong about allowing companies to offer healthcare, that in no way reduces competition. Making it so that healthcare is impossible for everyone to afford without insurance, and that corporations can remove that fear while small business can't"
It isn't competition if they can't compete. That's the common mistake people make about free markets. It isn't a free market if you use the government to stifle competition. (Like not allowing nurse practitioners to do routine work they are capable of for half the price of a doctor, even knowing we've had a projected doctor shortage for decades.) And how do they do that? Certificate of Need laws is one very big way.
Its just there are only so many patients, a new burger joint increases demand, new hospitals do not.
The term free market has been grossly literalized over the past forty years. So, what we see today is devolved into economic Darwinism.
@@scottgrohs5940 Economic Darwinism how?
There are some areas that the free market is not able to handle in a good way. The largest are the military, police, fire brigade, hospitals and schools.
Eerily timely; I just started signing up for health care a few days ago and have been bombarded by non-stop emails and phone calls ever since.
I need an(other) adult.
That's the only calls I get nowadays
In not even looking for health insurance right now, and I get so many calls from health insurance companies that they make up a majority of the calls I receive.
You may have gone to the wrong site. There are several health care sites that proclaim that they are part of the ACA and can help you get insurance. However, all they do is give out your info so you can be spammed.
There is only the one healthcare.gov, who does not give out your information.
Additionally, you might want to Google "do not call list." It's a national registry that excludes you from sales calls. It doesn't do much for robo calls, but it does prevent anyone legit from bugging you.
I live in Poland (where we have a single-payer system), and I got reminded today about how lucky I am not to be living in the US. I needed to go do a medical check up, so I called the clinic and just said "I would like to visit *insert favourite doctor*. Does she have time tomorrow?" and I got a visit scheduled for the next day. I came in, waited a few minutes in a queue, and into the doctor's office. During the check up, she looked at my documents and said "Oh, you don't have these 3 vaccinations done. Let's do them." Within 30 minutes I had the vaccinations done. Total cost: 0. I didn't even need to take anything there or talk to any receptionist! Americans don't know what they're missing out on.
Oh, most of us know exactly what we're missing. But money [lobbyists] has a much louder voice than us.
Where i live i just walk into the cvs or clinic to get vaccinations that day
Sure, you get to live, but you don’t have FREEDUM
In Hungary you get an mri appointment for 3 months later unless you bribe your doctor of course.
Ger Tar but you have no FREEDOM 🦅 🇺🇸
“Smartphones...are the same everywhere”
Samsung exynos: allow us to introduce our selves.
Man I absolutely love watching your videos. Your narration and video composition are among the best on CZcams if not on par with the best of educational media altogether.
Really really glad you took it upon yourself to make this channel and manage it so well. I keep coming back and I'm never disappointed.
Thanks for making and sharing stuff like this. I can't binge watch enough of it.
Love it.
As a non-American I'd love to just laugh at this complete insanity, but it's just so damn sad. I'm so sorry for you.
It's really sad, we literally have people shitting and dying in the streets.
Don't be. It's nowhere near as bad as you think, and i'd rather have what we have then what Europe has
As a non-American you really can't grab the concept that my AMERICAN GOOD HEALTHCARE is better than yours, while I drive my better-than-european's car to my better-than-european's home.
@@Yetizod1 you'd rather pay for healthcare than not?
@@Yetizod1 lol, this is why it's so hard to get the US can't move forward. Tell me a good reason why the US healthcare should be kept in the insurance system and not socialized like other first world countries?
"I want choice in my insurance!" Okay, do you have choice now? "Yeah! My employer has like, 5 plans!" Do they all have high deductibles? "No! Some have LOW deductables!" Can you afford them? "No... they're like $3000 a month for my family." Okay, so, then choose an plan your employer doesn't sponsor. "Well, I can't afford those either." So... do you actually have choice?
Thank you! It's so frustrating when people make this argument about giving people a choice between shitty insurance plans that have no real benefits.
As mentioned in the video hospitals can artificially inflate prices and then the insurance companies can pretend they lowered them with a special discount. This is the real problem with the system. All procedures that are never covered by insurance such as lasik eye surgery go down in price and complications exponentially over time as you would expect for any product. The problem is private insurance companies and hospitals are basically screwing over everyone else by artificially inflating prices. Single payer would obviously get rid of this scheme, but is the most heavy handed solution. We could also you know, JUST GET RID OF THE SCHEME ITSELF. As mentioned in the video it's based on hospitals being "non-profit" when they are clearly profiting, this loop-hole incentivizes them to make their costs insanely high so they can steal money from the government, and is made worse by the "discounts" they have with the insurance companies, who also get paid based on how much they "reduce the price" even if the "reduction" is only because the hospital made a deal with them to artificially make the prices insane.
>conveniently ignores direct pay medical practice which, even despite regulatory burden, does quite well for cheap in the US
@@ReddoFreddo The former would suggest you think that someone on a low income with no assets as security would have a hope in hell of getting anyone to give them a few hundred thousand dollars or more line of credit to cover the non emergency portions of cancer treatment. This seems completely beyond improbable to me, some in the middle class homeowners perhaps especially later in life as they could well be sitting on $250k worth of collateral in the family home if they have not already been remortgaging it for other purposes. Younger middle class people though probably still not as they may call themselves homeowners but if they needed cash will quickly find out they still do not own very much home at all as most of the equity will already be encumbered by the mortgage on it.
@@seraphina985 In most countries you can just go to the doctor for free at the point of service and you don't have to engage in this kind of jibber jabber
I remember a few years back I got run over while in a crosswalk by someone who blew thru a red light and didn’t even stop to see if I was ok. I insisted to my brother that he call an Uber instead of an ambulance bc we were only a mile from the hospital and despite having insurance they wouldn’t cover an ambulance and I couldn’t afford thousands in charges. I mainly knew I couldn’t afford it bc a year or so before I’d had problems with my heart and somebody called me an ambulance while I was unconscious. I was still paying off that charge.
Anyway I get to the hospital and they tell me not to worry about it bc the driver’s insurance would cover my treatment..... until they found out I was involved in a hit and run, which they had absolutely no plan for. My insurance also refused to cover my treatment bc I was covered thru my parents who lived in another state and therefore EVERY HOSPITAL near me was out of network. Luckily I just had a broken arm and some soft tissue injuries, bc I had to pay for it all out of pocket despite being insured AND injured on purpose by another person. Unluckily, I also tore a tendon in my broken hand that rolled up under my skin and couldn’t afford to get it surgically fixed so I just lost a lot of the strength and dexterity in my left hand permanently.
The US healthcare system can only be described as evil
What shocks me most about this is the "out of network" part.
as an european i am just in shock at your story
i want to puch rich americans who say " its fine i can pay for it" in the face
Thanks for this video. Definitely the most informative, clean and precise information about health insurance I have seen.
This video had me in stitches.
Good thing I'm in Canada where it's free.
Believe me as someone who lives in the us I don’t want free health care
@@Gammify9001 believe someone who also lives in america, yes we fucking do, youre in the minority
Fat Yoshi you know it’s more economical on the long term you doofus
Weird, I thought it was payed for through taxes. Had no idea it was free.
plasticbutler What are the requirements for becoming a Canadian citizen?
That intro gave me hypernatremia.
Hyper meaning high, natre referring to sodium and -emia meaning presence in blood.
High sodium presence in blood.
ChubbyEMU??
Your content helped me become more left leaning, and I'd like to thank you for that
Ow my pinky toe that’s... not a good thing.
@@liamprentice2913 Do you think that liberal=bad?
@@owmypinkytoe6907 Have you seen King of the Hill?
@@kittykittybangbang9367 why?
@@owmypinkytoe6907 it's a great show
1:37 if stitches on your eyelid sound horrifically painful or itchy, yes on the inside they are.
“How are you going to pay for it?” Was a question asked at every single democratic debate, and was answered at every single democratic debate, yet they keep asking hmmmm...
Almost as if they don't care about the answer, but just want to have a gotcha moment. I wonder why...
Well not every Democrat said how they would pay for. The real question is how much healthcare should be provided by the government so for me it would be primary care would be free while hospitals stays and everything else would be taken care of by health insurance.
@@RavenStorm332 why?
@@Carlosgzz93 why, what
@@RavenStorm332 Why the separation?
As a Brit I can't imagine living in a country without a national health service. Our NHS has it's fair share of problems, but as a somewhat regular patient since childhood I'm so grateful that it's there. It's worth every last penny of the monthly National Insurance contributions.
In Belgium we look in horror at the british "No Health System"
But compared to the US "I am gonna watch you die" medical miscarriage
The British NHS is heaven.
-
I am a Monarchist, 110% capitalist leaning and paid for my "free" health-care all my life.
The same percentage absolutely all my fellow citizens paid for our collective health.
450 € / month all included in my case (or 380?) before tax.
Our health is then "hired" by private entities which are strictly controlled by various citizen and ministerial commissions.
But our medical personnel is so dedicated, that all those controls are for show only...
-
Lang leve Koning Filip van het Koninkrijk België !!!
Loved the video, I am an independent health insurance agent, and honestly I really appreciated this video. Great job!
i somehow missed this when it was current, but i've seen it now and it's been fantastic.
this video should be called: why moving to europe is a great monetary investment.
not to mention the free college
@@jupiterkansas yeah no kidding
Or Canada, it’s closer.
You do realise we in Europe do have border controls too tho here in Ireland if a grandparent was born in Ireland Irish citizenship is just a formality but documents proving this is required.
@@daithipol it's not as bad
Nice take on ChubbyEmu's format in the intro!
Was looking for this comment. Lol
yup!
@Germanman225 willst du, dass ich für dich ins Englische übersetze?
 Learn to pronounce
@@derpmcgerp8062 I was looking to make this comment, lol.
This is THE BEST guide to healthcare and pricing that I've ever seen. This is one of the few time's I'm actually going to share a video.
In my experience-so this is anecdotal-the poorer you are, the longer it takes to see a specialist, get access to more expensive and specialized care, and get properly diagnosed. The exceptions would be obvious emergencies like a car accident or gunshot wound, but those situations are almost always taken care of quickly without thought to cost regardless of the type of healthcare system.
"It's own system and a bottomless well of asterisks"
me: that is basically their motto, yes.
Canadian here: I feel like the Americans who died because of their healthcare system deserve a memorial. Didn't laugh at the prompt.
Would love to see a video on the VA health system and your personal experience with it. As I might be using it in the future. Great video and keep up the great work.
My wife and son are on a PPO plan, and tons of doctors are out of network. We also need prior authorizations constantly. My son saw an ENT for 15 minutes at an in-network hospital, but the ENT turned out to be out of network, so we were charged almost $2000 out of pocket, which did not count toward our MOOP. That was the worst example, but we had about half a dozen similar ones. We tried calling ahead each time to ask if the person was out of network, but the hospital told us that we had to call the insurance company and the insurance company told us that we had to call the hospital, so it was a game of Russian Roulette every time.
We know you work really hard on these videos and we have no problem with them coming out a few days later. Thank you KB
Well said, I agree
Great job trying to explain an infinitely complicated system. I wrote a research paper 25 years ago comparing our system then to the single-payer system. Not surprisingly, the single-payer system was better. However, since that time our system has just gotten more expensive, complicated and worse. Thanks for trying to help folks understand it.
Great video! One small point is that VAT in the EU and UK is ultimately collected at the point of sale. As a transaction tax, it is paid at every stage of the supply chain, but businesses can usually recover all of the VAT they pay on supplies. Ultimately the customer pays the VAT at point of purchase. (There are exceptions where businesses aren’t fully taxable, but they are relatively rare).
I’m a VAT advisor in the UK
Thanks for going through the effort in helping us know better.
I regularly hear people who want the US to keep it's healthcare system the same tell horror stories of the NHS and Canadian healthcare system - sometimes, those systems let people down. Sometimes people die in waiting lines, although triage keeps this at a very low minimum. Here's the thing - Countries with socialised, public Healthcare generally also have private healthcare, and the private healthcare tends to be cheaper, since they're competing with "free".
So what you need to remember is that every single time someone dies on a waiting list, every time public Healthcare let's someone down, private healthcare let them down too, because private hospitals were available - those people simply couldn't afford them. In South Africa, our public health system is extremely hit and miss - depending on your location, the nature and severity of your condition, you could get excellent treatment, or you could die slowly in the hallway. But for those who can't afford private treatment, it's better than nothing. A shitty hospital that lets you through the door is better than a good hospital that doesn't, any day of the week.
@UC8itJg8ectxhHvPDdXjDw6Q Many innovations occur in socialized environments - France is renowned for their medical devices, for example. Countries with socialised medicine absolutely do pay for the American innovations they use, I don't know why you would say they don't - they just have bargaining power.
There are many ways the current free market, particularly the patent system, can be abused to stifle innovation. The components and construction of an EpiPen costs less than $5, and R&D was recouped decades ago. But one company still owns the rights to that style of medication delivery system, blocking others out of the market. If the free market was actually built around innovation and competition, we'd have companies competing to get the cost of an EpiPen down to $1.
Much of the excess innovation in the US medical industry is simply bullshit - for example, a company knows when they develop a drug that it will be effective for fever, headaches, and cramps, but they only indicate and register it as being effective for fever and headaches. Five years later, the end of their patent is drawing near, so they start trials to have it tested for cramps, just out of pure curiosity - what do you know, it turns out its good for that too, and their patent gets extended, since development has continued.
Or they just add a useless methyl group, and run studies until they get data sets that suggest some type of improvement - boom, that's innovation, patent extended. It's not the same thing as actually developing new, useful treatments.
Interesting. Let me tell you how we do it in Spain
You go to the doctor, get treated. Maybe get some discounted drug or an operation without cost. Then you go to your house without having to pay a single cent more.
I once had a dangerous injury while playing football with my friends and the only cost I payed was the taxi fee. Keep in mind my country was (and still is) in a civil war but the idea of not having free healthcare is probably rejected by literally everyone in the country.
Naruedyoh that sounds excellent but what keeps people from flooding the system with trivial or even made-up medical conditions? Basic economics tells us that the lower the cost for a good or service the higher the demand.
For example, I have a benign growth on one of my toes, it grows to a certain size (about 1cm in diameter) and stops, and when removed it promptly grows back again to that same 1cm size. When I was younger I would pay the cost (about a week’s pay) to get it surgically removed every two years or so (it will always grow back) but in my early 30’s I stopped bothering, decided to save my money for other things. If health care were free then I might well go every few months to get it removed. Costs are a powerful guide for behavior, when costs don’t exist what guides us? And I’m not even talking about people who believe themselves to be sick when they aren’t.
@@jpe1 Are you really trying to portray helthcare as an economic question rather than a social issie we owe each other as citizens?
Simple: head doctor determine if something is harmfull or not. If it's not, they tell the patient, if it is, they prescribe medication or derive to a speciallist to diagnose further.
Also, healthcare is Spain is focused for treatment that resolve the core of the aillment. In your case, if it's not crucial to your lifestyle, most surelly you wouldn't get operated unless it's harmful.
Really, stop seing healthcare as an economic thing.
@@jpe1 Also: Common sense... Really, people don't go to the doctor unless they are somewhat concerned. Yeah, maybe some people missuse the healtcare system, but it¡s not on a level to be bothered. It's still more affordable to just have public hospitals and health centers and having almost no one dealing with payments
Naruedyoh I think you have very insightfully got to the core of the debate about health care in the USA. Many (most?) people view it in purely economic terms, it would seem as silly to them to offer free health care as to offer free car repairs, both are things that people with money get, and people without money don’t get.
(I am most definitely *not* in that group, from a humanitarian point of view I think health care should be universally available like clean drinking water, but even water needs to be paid for somehow by someone)
THIS is why I like watching his channel: his keeps everything realistic and down to earth.
Omggg two of my favorite channels combined
UK citizen here - I love that end point about "Quality?". You always see this point made in comment sections under like Ben Shapiro videos - that UK healthcare is plagued with long wait times and terrible quality. First I would say from both quantitative and qualitative knowledge, that isn't completely true. But also we still have private healthcare here. If you are fortunate enough to earn enough money you can go out a pay for private healthcare - you still have to pay for the public option through taxes but it's nice to have both options.
This system in the US just makes me sad, it baffles how the country ever got to be the success that it is today when it is being chained down by this confusing mess of costs and systems.
Ben Shapiro, actually almost died because american hospital had long line, and he had to wait at the floor of the parking lot, dying, unfortunately his turn was just in time so he's breathing and talking crap again.
Kind of similar to New Zealand, in that we hae both private & public systems. The waiting lists are usually for so called "elective" surgeries (which still sucks for those people who need them), but weather it's emergency or not, your not going to get treated, then get a surprise bill for it. Our system's not perfect but it's actually pretty good.
Sounds pretty much the way it is in Australia, too. I dont live there but have some close friends who do - I'm disabled and a wheelchair user, and in the past year have developed a life threatening brain disorder stemming from my spinal disability. All of my friends in other countries like in Europe, Australia, Canada, etc, just want to swoop me up and bring me to them.
I dont really have family exactly, so I don't have the typical help many in my situation would have. I do have a PHENOMENAL "chosen family" and a wonderful local community, but when I see people in Europe who have carers and the like I just want to cry. I have a 7yo daughter who is the light of my entire soul, and I just focus as much as I can on giving her a normal childhood and loving her to the moon and back.
So you basically have a 2 tiered system: one for those who can afford both the taxes plus private healthcare and one for those who can't?
@@davincicod1 You could say that yeah
Me, an European, after this video:
Wait,
What?
Same over here. Imagine your child gets cancer and they take your house because - treatment is expensive 0_o
I mean, I live in Italy and even we have a better system. Look, we're not a hard nation to beat.
Me, an American, after this video:
Yeah,
I still don't understand how it works.
@@riccardoorlando2262 Dude even in turkey you don't pay for these
Honestly the healthcare situation in the US is fairly simple and, holding all of the nuance and minute details at bay, is fairly straightforward. No insurance company or hospital will expect all of their policy holders/patients to have a full understanding of the legality and financial aspects of their policies.
Jeez, and I thought the worst part of my appendoctomy was that they filled me with air and breathing was painful because of that...
That gas is awful man
@@SoulDevoured It really is...
Your work is appreciated. These are helpful videos.
As an Australian, I thought I was getting scammed paying $120/month with a $500 deductible. We have a public health system which is virtually free for everyone here.
As an ex cancer patient, I need better cover. No discrimination is allowed by age/sex/race etc though which is also sweet. This is gobsmacking.
Nikhil Autar Congrats on getting through.
American here. I pay $86 a month premium and can see any specialist on any network.
There isn't discrimination in the US
laughs in uk
Thank you for breaking this down so well. I'm a medical student and at no point are we taught any of this or the pros and cons of the different types of health insurance. And thank you for breaking it down as a cost argument rather than a philosophical "is healthcare a right" debate. Very helpful!
Which to be honest, as a healthcare professional/provider SHOULD be an importante debate. No amount of people should go without medical care just because the society they live in considers they're not valuable enough to access it. For instance: People who by whatever circumstance cannot "pay" for their healthcare, are usually the ones that need it the most.
@@JLacan I never said that I didn't believe it was a right. I personally do. But often that argument sadly falls on deaf ears. And then the next argument is usually it costs too much so I appreciate that he explained it in terms of what comes out of people's wallets. People's beliefs are hard to change but telling them they will have more money left at the end of the year is very convincing
When I was 17, I found out about lumbar disc collapsing and herniation which would one day require surgery (now I have a not so minor preexisting condition before I'm off my parents insurance) fast forward through the next 16 years. Struggling on and off with back and leg pain it finally hit a point where my finances were good enough to do something, had insurance, and it was hindering my ability to continue working as I needed to. 7 months of scans, spinal injections, and fighting with insurance about actually getting a fusion I was forced to do a microsdisectomy.
Post surgery - surgeon comes to talk to me and tells me it was a waste of time because the herniation had been there so long it was so calcified at this point he couldn't actually remove any of it. He tried to open the nerve ending as best he could to relieve some of the pressure to reduce leg pain. 4 weeks post surgery I was scheduled for an MRI with contrast because now my back pain had subsided slightly but my leg felt like it was constantly over a grease fire. This was the first step to going back into surgery for the fusion the health insurance didn't want to pay for in the first place. How is this a profit to them when now they're paying for additional scans and a second surgery?
People who don't support a single payer healthcare plan in the US are so focused on the personal taxes while ignoring the thousands of dollars saved, pain and suffering of millions saved, and the spooky thought of not having the now now now provided services they want. This will drive down wait times for doctors and services in the long run as regular checkups and preventative care and prescriptions provided will increase overall health of the nation. So, I pay a little more in taxes; in return I can actually see a medical professional unlike when I'm paying for health insurance and have no extra money for deductible and co-pay.
Added note, with insurance as a single person, I spent over $16000 that year for a surgery that left me in more pain because the insurance company didn't want to pay for the surgery my doctors and I agreed would actually help me.
I kinda miss this style of video! Some of the best educational content on CZcams.
In ireland health insurance (in my experience) is sorta like a fast pass that lets you skip the line by going to private hospitals
chaffinch420 I know right?
Same in Spain.
Why are Americans so oppose to a system like that. We pay more per capita in the devolped world, but our health care is also among the worst. There's great examples all around the world of socialized medicine, half of Americans are too arrogant amit it.
@Dr.Science The only irony is that they are the poor they don't want to get health insurance.
Out of pocket is a little faster than insurance from my experience, kinda like
Out of pocket (private) >insurance (private) >medical card (public)
Probably because people generally don't pay out of pocket, so doctors take ailments a bit more seriously if you're asking if paying will be faster.
"I'm sorry, the policy says 'MOOPS,'"
Innuendo Studios came out with a new Alt-Right playbook video so I rewatched the series and this was my thought aswell.
I am cursed to get every reference.
Moors!
Ik now starting to realize how useful this channel is now that I'll be 18 in less than a year
This was amazing; thank you for this info!
This is one of the most frightening videos I have ever watched. I live in England. Our government wants to move to your system and dismantle the NHS.
Oh God no
NOOOOOO!! I’m not even British and I’m guttered!
There's a great video about it actually, talking about how the conservatices want to gut both the NHS and the UK Welfare system and replace them both with horrible private systems that barely work. Wait...SARGON made that video? The UKIP, conservative, Labor hating Sargon? WTF is going on!???!?!?!?
not true tho is it. The NHS is 22% private however, most of that includes GP surgeries, dentists, opticians and pharmacies that were private from the NHS’s inception. In the past 9 years, the level of private care has been between 20-22% and Regardless of whether we include charities or not, private spending is actually proportionately lower in 2018/19 than it was in 2015/16. However, it was Tony Blair that began introducing more of the private sector into the NHS and even privatized a whole hospital, Hinchingbrooke hospital, in which the Tories brought under public control again
Well then you must riot, and protest against, if Rwanda can do it, you can, do you want to have you and your people suffer. I live in the US, and in not-soviet Russia, healthcare is free,
Thank you for your service and sacrifice. Great vids.
You know this video really hits different since March of last year
"I hope you accurately predicted the medication you'll need in the future."
Weed is all i need maaaaaaaaaaaan.
Too bad if you in wrong place you could go to jail for years
“...can’t shop around during emergencies.”
Challenge accepted 😎
"Now I've got an ER the next state over on the line, says they can do this procedure for 5% less. You think you can match that?"
While checking to see if the ER in the next state was in network, I bled out on the phone with customer service. Oopsie!
MrBeast producer: Oh god no!
I wAnT To SpEaK tO yOuR SuPperVIsOr diz is unacceptable!!! *Bleeds out*
The quality of this video is unbelievable
Ah yes, done like the real pro. I love that you reference the best medical CZcamsr ever!