Understanding Your Health Insurance Costs | Consumer Reports

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Title	:	Understanding Your Health Insurance Costs \| Consumer Reports
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I was a victim of a drunk driver He was convicted and sentenced As a result, because the injury was NOT MY FAULT, I was expected to reinburse APWU/Cigna over $63,00000 the costs of my medical expenses When I appealed they offered me to set up a payment plan When I appealed again they offered to accept half of what I got from my car insurance settlement The other half did go to out of pocket medical expenses The man who hit me I gave them all his info, I told them to go after him He's suppose to give me restitution but he hasnt Why do they do this to crime victims they said they are sorry for the trauma he caused me APWU/Cigna has caused me more trauma We are now seeking legal advice READ THE FINE PRINT
Comment from : Aluapay

I find it appropriate that the “insurance” is a faceless arm looking down on the patient in a high rise building The only thing not appropriate is that the “insurance” always seems to get out of paying for much…
Comment from : Rhye Mirch

This is a fantastic video It's clear and easy to understand your explanations Thank you for providing this information
Comment from : Camila Ella

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Comment from : Enenn

I am learning so much from watching your videos Thank you so much for sharing this amazing source of information This one is quite helpful
Comment from : Telsa Morgan

Simple yet insightful explanation! Gratitude!
Comment from : Andrews Odame Gyane

Watch out for the words "not a medical necessity" by the insurance co When I had surgery my doctor kept me in the hospital for one day My insurance co is very well known, and paid for everything except the one day in the hospital They said one day in the hospital was not a medical necessity and refused to pay for it They expected the surgery to be out patient, even though my doctor said a one day stay is normal for this type of surgery So now I have to file an appeal and try to get the insurance co to pay If not, the hospital will send me a bill, which can be very expensive When I had the surgery scheduled, I had no idea that I would have this problem
Comment from : Ken Frank

Geez Looking at 2015 rates is making me jealous 2023 rates in my state are: $687 monthly premium (the cheapest option), $2,000 deductible, $18,000 out of pocket maximum brbr"I think I'll just die, thank you"
Comment from : boogaloo jenkins

Health care insurance is a Scam
Comment from : Thundergod6088

I learned that In My Health class in 10th Grade that my Coach teacher discussed the PowerPoint of The notes which is have to be “ Insurance “
Comment from : ♡︎ KᗩᙎᗩIISᙓᑎᑭᗩI ♡︎

and wall street cashes in, share holders, and of course the OVER PAID CEOs, and the middle class once again gets screwed in the bunhoolio For now this is what we have,and better than nothing Medcare for all is not the option, but it can be if you want to buy into it THE WALL STREET PROFITEERS AND THE BIG PAY TO CEO NEED TO END A CEO IS FINE MAKING 2 MILLIION A YEAR
Comment from : no name user

How is this not a scam?
Comment from : Crystal L

Informative
Comment from : DSG X

what if you have a small monthly payment but a large deductible? will i ever fill the bucket with that small amount
Comment from : JONATHAN KAY

Or we could have a national healthcare system and this hot mess could cease to exist
Comment from : Erin

Thanks for explaining the health care key concepts in such a easy to understand way!
Comment from : Rong Tang

BTW this is just for Medical Insurance Dental is separate and it's payment structure is slightly differentbrVision is different too
Comment from : Sree Raam

Where does all that money go after you start over at the end of the year
Comment from : zeoa

I’m ready to be an expatriate fuck America
Comment from : Piske

Get blue cross
Comment from : Pedro Avilez

Thanks so much for this video If I understood correctly, here in Croatia we only pay premium and we are at the stage 3 from that very moment
Comment from : DorianCroatia20

So I pay $180 a week for 13 years I never got sick I need an ultrasound and my copay is $200? Deductible is 2000 and it's September ? Does it make any sense that I've paid them over $121k where does THAT money go
Comment from : Stephanie Henderson-Cliche

Why Health Insurance? br clearcovidblogspotcom/2022/09/why-health-insurancehtml br In the US Health Insurance was designed to cover the large murder the expenses at the end of life 80 of the expense was from cancers Drug company is and doctors were addicted to that money! br Heart disease cost 15 of the health budget, while diabetes makes up the meaning 5 are profitable medicine I have published many times that ½ minute of High Intensity UltraSound each side ahead clears dementia MS, our Alzheimer's, Parkinson's and schizophrenia
Comment from : Jonathan Thomason

being alive is so fucking expensive let me die
Comment from : Kira Linaris

WHYYYY don't they teach this in school????
Comment from : scubally

I wish this was taught in high school
Comment from : Guady Compean

I don’t want to be an adult
Comment from : Tbreezy410

Awesome Thank you for explanation I’m a foreigner here and having hard time understanding different terms
Comment from : Flosset

Helpful explanation!!
Comment from : Swar Patel

Sounds like a ponzy scheme
Comment from : Jodyamn Purrier-killingbeck

3:31 I shouldnt have to pay a penny, at all!
Comment from : pizzahutcombo

The system is broken
Comment from : Valor 4 Christ

Why can’t we be like other countries in Europe or Canada with free healthcare?
Comment from : Juliana Shoultz

I make too much for Medicaid but am still scraping by The west sucks
Comment from : Invictus

Europe … I love you
Comment from : آي

The Healthcare system is the US FUCKING SUCKS!! brbrHere I am trying to understanding to properly use it
Comment from : NotaLoca12341

Marah attitude Of ms lim
Comment from : Siew eng Lim

Apology on kwong wah newspaper 20yrs old 6am pigeons tidak suka br7am komtar tidak suka brRapud cat Bus stop Tidak suka
Comment from : Siew eng Lim

This is super depressing
Comment from : Takeria Griffin

So insurance comany doesn't pay much until you pay a lot
Comment from : SunXero

And according to this stupid country it’s cheaper than just giving the ppl universal healthcare
Comment from : Chuck P

I know how hospitals are I took my dad because of he's legs he couldn't walk so we took him to the hospital they started saying does he has health insurance I said yes we all know hospitals love health insurance that's how they make their money even if you don't have nothing they will invent something just so you can stay at the hospital for 5 or 8 days same happened to me they said that my dad had a vain clogged and a liver damaged so later on they said no he is ok I was like damn now I got in the game you guys were just saying that to keep him there to take money out of the lovely health insurance we all know how they are not a big surprise they are money lovers vampires of money and blood hopefully someday we get to live without a doctor and another thing when i go visit my dad that he is still there for 4 days already he says he is fine that he already wants to go home I said I know nothing is wrong with you they just love your health insurance that's why they keeping you there and that's the truth hopefully my dad gets to go home tomorrow cause he already bored there when there's nothing wrong we only took him for he's legs not to see if he had a clogged vain or a liver damaged that's exactly what the doctor said like I said later on the doctor said that no he is fine we are just checking on him right checking how much money you can take out of lovely health insurance that's all they care money 🤑💰💰💰💰 any hospital will right away say if you have one they will love you for having one they are very 👹
Comment from : dj_knight_947

If only insurance premiums were 200$ a month
Comment from : American Chauvinist

I still dnt get itI'll review it until I get it( my brain is too small)
Comment from : Juan Kawenja

Seems like Health Insurance really only benefits those who get majorly ill and sustain prolonged hospital visits which is fine I have no problem with it because that could be any of our relatives or our friends🤷🏾‍♂️ We’re basically paying to cover each other’s health So seems like we’d be putting ourselves at risk and selfish of us to not be enrolled in a health insurance plan
Comment from : Jared Awuku

The math 🧮 is unrealistic and insulting! $20000 a month! You just pay 💰 a little here and maybe 🤔 kick in a little more here and you’re golden! I am now paying over $70000 a month with a $15,00000 deductible just for me I think 🤔 all that Obamacare did was take healthcare away from people who were working for it and gave it to people who will not or cannot work for it by the people who are working for it except now they can pay 💰 more because they have a job or retirement savings Democrats are crazy 😜 people everything they touch turns rancid!
Comment from : Cipher Oceanus

U want ur life easier, save enough money to cover for your deductible What ever u don't use put more to it next year Ppl don't realized this
Comment from : Danie

Insurance is such a scam smh
Comment from : SPICY K

The American insurance system is a total scam That's including home and auto insurance
Comment from : R Gomez

What a bloody scam the whole system is
Comment from : Xavier Carrera

Thanks for sharing such great information It is really helpful to me I always search to watch the quality content and finally I found your video Keep it up, keep posting!
Comment from : Annie Williams

This was beautifully explained
Comment from : Poison Ivy

ARE MEDICAL PROVIDERS GOOD WITH UCARE?
Comment from : karla cortez

Wait does the “bucket” fills up the cost of the bill or just the copay?
Comment from : Jessica Hinojosa

Does that mean that for this particular plan, you meet your deductible in 3 months?
Comment from : Ducky Momo

Is there a video transcript available ?
Comment from : Yvette Joseph

But where do I go to buy health insurance?
Comment from : NerdGeek Cosplay

I got a 0 dollar deducible and 1500 out pocket maximum because my dad works for Uchicago
Comment from : Ryan Gray

Do you get to choose what's your out of pocket maximum ?
Comment from : Juan Kroos Frausto

"it's important to know, that every year This starts over! 😀"
Comment from : osiris towers

Why the fuck don't they teach us this shit in school?? 🤦‍♂️ I have to watch a YouTube video to learn how to live
Comment from : osiris towers

I really wish Bernie was our president
Comment from : skooterbooters

Truly a shit system, but as an American I have to play ball
Comment from : Brakonecki

How about this Our government saysAs a law abiding citizen If you’ll go out and get a steady job or jobs Pay your taxes which keeps our economy flowing and running smoothly for 25 years You will be rewarded for your dedication and hard work to our great country with absolute, top to bottom, everything covered healthcare?
Comment from : Dad EO

Grateful for this video Adulting is a pain in the ass
Comment from : Erin Bell

They might as well not fucking help us
Comment from : Strawberrysunset23

This is bullshit
Comment from : Strawberrysunset23

Did she say free?? 😂
Comment from : Marisol Flores

What do you mean, when you fill the bucket? What does that even mean? So frustrating listening to these health care videos The insurance companies are absolute scams! Why should anybody have to pay ANY deductible AT ALL if I already paid money to purchase a plan??? I seriously don't get it! They are saying, give me money for this plan and also you need to pay money for a deductible, otherwise we wont pay when you need surgery! WTF How stupid are people!!????
Comment from : 1001 Rabid Tales

who tf came up w this bullshit system?
Comment from : whoinvitedAbel

This is ridiculous I hate how this country works sometimes I have to pay $95 a month for health care I will barely use smh
Comment from : Jazmyn Brown

Never buy insurance on the marketplace The government will tax you to death for cheap premiums
Comment from : Francisco Lopez

Her: “So in other words, you’re being completely screwed over 😄💕🦋”
Comment from : Bree Featherston

A premium, say $200/month 😂😂😂 try $1,400/month
Comment from : Michelle Cooper

how now i understand the system! its stupid as hell! nice!
Comment from : ImcHoKing

This makes me want to cry I will never not be in debt
Comment from : ĵ κ

My health insurance deductible is 2400 and I have a out of pocket max of 6800 for 220 bucks a month Seems like a rip off to me I think it'll be cheaper just to pay out of pocket for regular checkups
Comment from : Black Butterfly

Do you guys have a video explaining the different type of health care please? (HMO, PPO, and EPO)
Comment from : Heaven

Dude wtf
Comment from : Sakinah Rollins

YEAH!!! why dont they make a video about all the fine print how they dont have to cover half the shit they say they do Insurance is the biggest scam ever
Comment from : TheFlanman10

Health Insurance in US is the second most profitable industry just after Retirement & Pension Plans That should tell you everything you need to know
Comment from : Ridvan Maloku

But when? Well NEVER!
Comment from : Ridvan Maloku

I'm about to go out to the real world and I'm finding out i have to pay, health insurance, phone data, internet, car insurance, rent, life insurance, taxes, & gas I hate living
Comment from : RooTroxX

This is the one they should teach in Highschool not some bs crap you don’t need when you grow up
Comment from : apdroid geek

I’m slightly more depressed after watching this lmfaoooo fml
Comment from : Netinamay Addy

what is the point of the system resetting every year?bryou are literally paying for everything the insurance company is paying nothing brbrHealth insurance is a scam
Comment from : Selinnshade