Maybe it is more an expression of basic decency or shame for what the medical system and drs do to human beings in the name of health care.They shall save lives soothe and help. What if he'd provide info how someone sick and weakened by care can get stronger organize and change this. Maybe he says it in other videos. 1st time here.
I went to South Korea and badly sprained my ankle. I went to the hospital (that's where private doctors work) with no insurance, got checked out in an hour. An x-ray, splint, and months worth of medicine; 100,000 wan = less than $100. It was amazing.
That's only because the income levels there are lower hence the lower cost. Try paying that 100 bucks on a korean's salary and you will whine as loudly as you do paying for us healthcare with a us level income.
@@SmoothCode South korea has an average yearly income of $37.849. In comparison the average yearly income in USA is $48,672. Not the biggest difference imo
@@Horfenico The difference is roughly 29%, so if we correct for difference in income 100 bucks in Korea is worth 129 in the US, so it's not that big of a difference.
Wait. You pay over 2000 dollars a month in insurance?? What the actual heck. For someone living in Belgium this truly shocks me. We complain about being taxed too much but it seems Americans lose way more money to insurance than we ever do to taxes.
This is the difference between the United States and most other countries in terms of health insurance. Europe and many Asian countries subsidize health insurance with taxes, we subsidize it with our employment. Meaning if you aren't employed, you are literally fucked
To be fair he pays insurance for a small family. I might be in a weird boat, but I do pay quite a bit for just myself as a single 27 year old. I pay roughly $500 a month for "premium" healthcare. Here's the other shocking thing... I pay about 60% of my income in taxes (before other Americans decide to say that isn't possible, it is. Property tax, Federal, State, and other taxes.) It's insane (granted I make a good portion more then what the top bracket makes). Health insurance providers get monopolies on states and just continue to screw the consumer. I think good examples of places where the state hasn't touched with health insurance has been a great lesson about free markets. Lasik (eye corrective surgery) is a common procedure that used to cost over 40k... now it barely costs 2k. Braces (specifically for orthodontist) used to cost around 10k, now they cost less than $500. Really the power should be to the people. Optometrists (although slowly some medical insurance is starting to cover for them) is super inexpensive. About $5-20 for a prescription (don't ever buy their glasses there that's a monopoly too, do that shit online). My convoluted point is that I'm still shocked every time i go to the hospital or pay the tax man.
@@Xantosdude yeah dude that is so shocking to me. Like I got out of the hospital to get treated for a leg infection and infection around the heart. Stayed in the hospital for a week. Needed meds, scans etc... I paid 140 euros total. The rest is covered by government. Most of that 140 euros is even reimbursed by health insurance. Sure my country taxes heavily. But I don't mind if the trade-off is that I don't have to worry about either education or healthcare. I can rest assured I'll get top quality education for my kids and healthcare no matter what.
@@AlextheBant That's awesome. What a lot of Americans don't realize is that we spend more than any other country in healthcare. There could be some argument that we lead in a lot of medical advancements... I know that in eczema and stomach cancer treatment we're top in those categories, but there's no question that we shell out more than anybody else. A lot of people like to give shit to Americans, Americans included (which is great btw it's amazing we can be so critical it's how we're gonna improve), maybe it's deserved maybe not, but there's gotta be some coming together lest we all want to destroy each other. Side note: Bruges is one of my favourite places, esp chilling by the canals. Although I dislike mayonnaise a lot (why with fries?), the hot dogs are great!
It is a possibility that the service was done out of network and the insurance only paid up to what usual and customary letting the doctor balance bill the member
It really sounds like the healthcare issue is close to the education issue. Costs are going up because admin is going up because the systems are convoluted with middle-men that scalp both parties that want to exchange services/money.
What people don't understand is that this isn't an American thing... The system is the same in other Western countries too... the difference is you pay your governments the money... You guys have ANOTHER middle man added to the equation...
@@xxchancetxx errr wait no. We pay insurance like the taxes. It doesn't cover everything all the time. Depending on the state you live in it covers partially or only a few services for certain age groups. In some states the healthcare is free but it comes with higher taxes. Western countries is a lot of countries each with their own policies, it's not Murica. Such a fucked up system is hard to find outside the US. Nobody FORCES you to pay thousands you don't know what for then tells you that you can't get the care you were paying for years. The insurance is universal, the exclusion of the consumer that pays for it is not.
To the person who said in the stream, "So creating jobs", your logic is bad if you think that excuses an expensive system. Job creation is not paramount. You have to create productive jobs. Jobs that exist to further bureaucracy and bloated systems are not good jobs and they actively harm the economy. They do not help it. With the amount of money saved, those people could just not have to work and live for free. If the goal is to produce the most product and make the most money, these jobs don't help things. They make the world a worse place. Let me say it again, if these systems were changed so that these jobs didn't exist, it would be cheaper for you as an individual to take a minor hike in taxes and just pay for them to sit on their asses than it is to keep the system the way it is.
Exactly Those are called useless jobs Jobs with no meaning and bloat a system meant for basic human needs and evolution is destructive. More managers means a bloated red tape system
That's why "productivity" is a more respected metric in the country's economy than the pure number of jobs. It's what the stock market uses as one of the tools to see the health of an economy (first hand experience here)
cuz my mother died of breast cancer at 48 I was told to go in for genetic testing. My doctor refereed me and I was told it was covered. I went to the hospital for 30 minz session came out and had NOTHING done basically. I went home thought it was done. Few weeks later I got a bill, it was requesting that i pay 260 dollar because of this visit. Apparently my insurance only covered 200 sth ish. Then i looked a the bill there was a charge 200 dollar for just stepping into the hospital. The funny part is the genetic testing was covered because of referral. The visits to the hospitals are not ??? I called the hospital back and got a 25% discount lol they told me I should call earlier to get more discount. I asked them is there a reason why no one can tell me what I should pay before i get the service? I grew up in Canada and our health care is really different obv. The department said no but I can call the billing department when my doctor order something and I can check in with them then decided if I should take the order of service basically. Sometimes it is impossible since they don't even know till they ask my insurance company. They asked if I would come back to the testing. I told my counselor and my doctor I am 25 years old I don't just have thousands of dollar laying around to come for " visit" for something I don't even have. If it was cancer or something actually needed I would go obv and pay. If i do take the test insurance company can use my test results against me ( life insurance). The funny part is the doctor said they won't remove my breast either depending on result and I just need frequent testing when I turn 30+. So i basically paid 260 bucks on a knowledge i knew anyways from googling. What the worst part is, I have gold insurance from blue shield. My husband is a software engineer and we have decent insurance. We pay and his employer pay and I just get dinged sigh don't get me wrong canada is no where near perfect. My mom had to fly to asia to get her tumor removed because of the lines ( She was a doctor in asia before she immigrated). My mom eventually died to brain tumor. The government also asked me to fund some of her hospice care , but at least I don't come out of the hospital with big bills.
I am a family doctor in Ohio and having medication coverage denials and having to deal with prior authorizations is the bane of my existence. Often patients cannot get the medications they need such as insulin because of high costs, despite having good medical insurance. It is very frustrating being a doctor with the insurance bureaucracy being in control of how I practice medicine.
Sad to see this. Here where I live the employer pays the insurance for you and every citizen has to have an insurance and everyone is equal and you get the help you need if you have let's say a car accident. We also have a whole institution that makes sure the state pays insurance for you if you loose your job. It is true that many things in the Czech Republic don't work 100% right, but we are really safe here as citizens and all the health care is for everyone no matter who you are. The health insurance institutions are able to pay for even the most expensive medications in the world which is amazing (Zolgensma).
@@Chris971. In Ohio there is OARRS which tracks opioid and other controlled prescriptions. If someone were to prescribe an out of the ordinary number of these, it would likely alarm the DEA to look into it.
I knew the murican healthcare system was a mess but I didn't know it was that bad. I live in straya and I can tell you our healthcare system here is far better. I've been in an ambulance, I've been in hospital, I've had medical procedures done and all of those didn't cost me anything. I wave my government healthcare card, sign a form and it's done. The only medical thing I've had to pay for is some doctors appointments (because they didn't bulk bill) and medications (which were heavily subsidised anyway) where I end up paying $35 AUD for a doctors appointment and $6 for a medication script. Our system still isn't perfect but at least you can get proper medical care even if you don't earn a lot.
I think it might be important to mention that the issue with the US healthcare system does not lie purely on the shoulders of the health insurance companies. The costs of MRIs and CT scans, for example, are much higher in the US than anywhere else in the world. Health insurance companies are bound to the 80/20 rule, where 80% of premiums that insurance companies get must be paid out in health care costs, with the remaining 20% to be used for running the company, paying salaries, etc. Dr. K is certainly right about the corruption of the insurance system, and these things should be called out at every opportunity. But it must be stressed that this is not the sole problem with the system. Drug prices and health services are the primary force driving the price of premiums up; if these costs were to decrease across the board, then naturally, so too would the premiums that are charged to the consumers. Health insurance is highly regulated so that price gouging does not occur, although there are lots of ways to skew data to benefit an insurance company upon an audit. Tldr; artificial inflation of medical services is also a major cause of healthcare cost increases: both hospitals and health insurance companies bear culpability. Source: I work as a data scientist in the insurance industry.
@@disjaibled At least one component of this was referenced to by Dr. K. When insurance companies pay for everything, doctors will order the more expensive tests, sometimes regardless of whether the patient actually needs this. Because of this dynamic, the more specialized tests are over-ordered, increasing demand, and consequently increasing the price. Another component of this is that hospitals often overcharge for these tests because there is a severe lack of transparency in hospital billing, and it is very easy for hospitals to price gouge when the patient isn't aware of the costs. It all falls down to the consumer being powerless, and they don't have a choice when their life or well-being is at risk. The consumer is being taken advantage of at every turn, hence the price increases. As for how this compares to other countries, I don't know enough to be an authoritative source, since I am only familiar with the American system. My only guess would be that there are fewer intermediaries in other countries, and that the billing of hospitals is much more transparent.
@@Tydesda this is true. If insurance paid for everything why not do every test under the sun? There has to be regulations and checks to see if it is medically necessary
This is something Sanders was very clear about in his messaging during his campaign, thankfully. Price negotiation for drugs would go a lot better if the bargaining corporations knew they had to deal with the entire nation as a single customer instead of trying to see how much they could squeeze out of many smaller corporations.
Your videos are incredible. This is by far my favorite video of yours. I can’t speak out of the topic but I’m so glad you covered this. I really wish more physicians speak up about this specific topic.
The main problem in my point of view is that healthcare is not like other buisnesses , you dont get to choose if you want that service or not , the other choice you got is death(probably) , and nobody is going to pick that option , its not like any other services where you can decide if you want them or not , you are obligated to use them (most of the time), when you need to use them , this is a crazy industry to monetize , becouse its not like you can give consent in using them or not , imagine you get drowsy and you faint on the street , and someone calls an ambulance for you , then when you wake up you get treatment without your consent , and a huge bill which you will have to pay , a goddamn awful system to monetize
im 20 minutes in and im already sad. I knew the healthcare system was bad in america but its just insane to hear about from a outsiders perspective. the fact that ypu dont get to choose and pay those absurd amounts of money for it otherwise is so stupid. In the netherlands (where i live) its cheap and you can always change and you actually need to have one because of the government, i hope 1 day the americans get something like us or obama care again
Obamacare was trash. I had to pay a fine because I was too poor to afford healthcare because I had just graduated high school a year before and was working a shit job. The US can't get singlepayer healthcare because we have a lot of fundamental issues that haven't been addressed (birthright citizenship, illegal immigration, a population that does not care about their health, ect ect.) The US already invests in more into our healthcare system than any other country in the world. The problem is that there's so many regulations/redtape that by the time the money reached the portion of healthcare all the administrators and other bureaucratic people have eaten up most of the money.
Idk if that is true but i heard that the US healthcare system is so bad that the life expectancy in the last years went DOWN in the Us (without Corona counted in)
There's no opioid epidemic any more than there was a gin craze during the industrial revolution. Many people use opioids and have used opioids and gotten of them every day without ruining their lives. The fix the opioid crisis we would need to stop traumatising children and that is not possible in modern society. There will only be more and more junkies; modern society promotes and perpetuates trauma snd disconnection, narcissism etc.
So. I'm curious right. I live in the Netherlands. We have a mandatory basic healthcare insurance. Everyone pays about 130$/month. Unless you earn very little. Then you get subsidies up to 90$ cutting it down to 40$/month The basic version covers everything. There's something called "own risk" each year you pay the first 420$ of medical bills out of own pocket. Doesn't matter what it is. If you don't get sick that year you don't pay it. . So 130$/month + possible own risk of 430$ per year. So maximum 1990$ per year. . To fund this healthcare system (and many other things) we pay high taxes. Depending on your income; from 20%-55% income tax. . Your treatment of 120.000$? Would be 430$... Doctor recommends and extra scan to check internals? Boom! added for free! Already payed the 430$ own risk this year! Need an extended stay in the hospital? Free! Medication? Free! Well... Payed in taxes ofc. . *So! Would an An american be willing to pay taxes like that? Get mandatory health insurance? * . "Edit: Oh yeah and having a baby is free/included in the insurance... Wtf, USA ?! What was the average for a baby? 10.000$ ?!"
I would gladly pay these taxes to have the peace of mind and be able to actually receive healthcare. With our current system, it only exacerbates healthcare issues because preventative care is not affordable.
@@tyronecoachella that mean you earn less than 40k in a year, en.wikipedia.org/wiki/Income_tax_in_the_United_States#Marginal_tax_rates_for_2019 but you still get a shitty medical care
Something like this really should be trending. Having all of this information of how everyone here is getting fucked and why certain things are fucked in 1 spot is something that everyone should see. I certainly didn't realize some of the information he shared here. As someone who is frugal / doesn't spend unnecessarily, I absolutely despise paying interest on just about anything because I know I would be paying more to have something a little bit sooner. I would rather just wait and pay less overall. I know some people just can't save money for whatever reason, but I can save a good amount on my own (even with all of the healthcare bs, house payments, etc I can still save 500-1000 per month on a 50k salary). Imagine if I didn't have to fork over hundreds every month to insurance? The concept of insurance as a whole sickens me - paying for something I'm not using. 99% of warranties work the same way, so I usually also don't buy into those. They charge the maximum amount they can to end up never paying and just pocket the rest. Health insurance is essentially doing the same, but it is for a service that you may or may not use. Systems like HSAs are much more practical imo: that is still YOUR money. You're not just watching your money vanish into thin air because of a "what-if" like you do with insurance. It's your savings, period. No 3rd party company that is driving up the costs of everything in the system. I would say just crash the entire system and do a reset, but there are so many job tied to dealing with insurance in the healthcare system that I don't know if we could ever do that all at once. But it sure as hell seems like it would be a good step in the right direction of unfucking everything.
Whats crazy is that this isn't even the whole picture. The doctor in the triangle is replaced with a for-profit hospital network, which has to manage shareholders, negotiate with all the different insurance companies, and handles all the administrative stuff for the doctors\staff and then pays their salaries. The insurance company isn't just dealing with the hospital networks and the employers, but also pharmaceutical companies and medical supply providers. They will make deals to cover certain drugs and not others, or cover medical supplies provided by premium companies and won't cover generic supplies that work just as well. And what are pharmaceutical companies incentivized to do? Maintain exclusive control of a specific drugs by filing for patents so they can increase prices for life-saving drugs and treatments. Don't forget universities! They are constantly raising tuition and making it more expensive to become a doctor. Every single link in the chain pushing costs higher every year, with no downward forces in sight. All because we're trying to shoe-horn a service that is price insensitive, into a for-profit frame work. People need health care and have to pay whatever the cost might be to stay alive. Its the perfect storm for exploitative practices, and the customer has zero recourse. Its either die or shut up and pay the fee.
Drug patents only last like 7 years or something before the stuff goes generic. Drug companies have to continually do research in a very tightly regulated market in order to produce new patents and new drugs, only a slim few of which will ever make the market and allow them to recoup their investment all before their patent expires. They have an incentive to produce new, more effective medicine, and then the rest of the world (India and China) rip it off and reap the rewards. Inflated drug prices are just insurance companies forcing its customers to use a certain “discounted” drug that to an uninsured person would be unattainable. That’s how the insurance companies keeps the market trapped.
My strategy for healthcare: (1) Catastrophic insurance (2) No insurance for lesser things to incentivize myself to have both enough cash on hand and get my health in order (3) For learning how to take care of my own health, one of the most powerful tools seems to be with diet. I am currently practicing intermittent fasting (2 meals a day) along with periodic prolonged fasting (no meal for 24, 48, or 72 hours, though I end up doing 43 or 67 hours more practically). The prolonged fasting requires more caution and is more challenging (I like to replace a meal with extra liquids), so do your own research here. One can also ease oneself into intermittent fasting as well. One source I like to learn from on this, among others, is Dr. Berg.
Emergency Rooms are required to see every patient that walks into them. They will do the bare minimum to make your situation "not an emergency" then kick you out and tell you to visit a specialist or primary care doctor. Then 3 weeks later you get a bill for several thousand dollars. I thought I was having a heart attack and for them to run tests, give me an IV, and do an xray my bill was $4500.
that was a pretty stupid descision on your part. Not only are healthcare systems in other countries not a whole lot better anyway, but you could have just gotten your degree then moved out of the country if thats what you wanted to do.
The US is the closest to hypercapitalism out of all countries. If your system prints a dollar bill on anyones health, the system is broken. All systems are broken to an extent, but when a developed nations health care system scores lower than some developing countries, you know there's a deep issue with ressource distribution.
In Chile we don´t have all your problems, we can choose our own insurance (and there is a mandatory quota of 7% of your salary for healthcare) and health coverage by insurance is in % so there is a direct money transaction between patient and clinitian, and the system still sucks. In a high inequality country like mine, private insurance´s incentive is not to provide wide coverage, but rather to provide high costs plans for people that can afford it. So they make alliances with expensive clinics (whose services are poorly covered under public insurance) and charge many times what the public sector does to offer better service with no queues (this is the main difference, you pay a lot more to have that surgery right away instead of waiting for months to have one on a public hospital). This creates a great system for the wealthy, but a terrible one for the poor. Since private insurance is expensive, most people relay on the public system, which then gets overcrowded and is in a greater and greater demand for better funding, but since the wealthy hire private insurances, their money doesn´t go to those hospitals in need, rather going to private insurances companies, that then invest it in the clinics that they are in alliance with. The end result are two parallel health systems, one which is a downward spiral and one that is a upward one in both terms of service and cost (so most people can´t never afford to get on the better system).
I am literally dying of an undiagnosed nerve problem they say in my brain or spinal cord, I am in so much pain everyday, the doctors never listen. I have been waiting over 3 weeks for very important tests on my spine because I’m waiting for the insurance to approve it. Also some pain medications are not covered. I cannot walk anymore but a wheel chair was not covered. I have been waiting for over 5 months for a breathing test because the insurance won’t approve it even though doctors say I need it. I have been sick for a year and the hospital is just watching me deteriorate while they wait for their money. I’m literally preparing to die because of the medical system in the US.
This is absolutely on point. Also for those wondering the difference between HMOs, EPOs, FFSs and PPOs, think about the differences between a standard Ubisoft release and it's Gold, Complete and Ultimate editions.
You cannot do a cost-analysis of healthcare in the US without mentioning CON laws (certificate of need). It's pretty much rent-control applied to healthcare.
Limit health insurance companies to only providing catastrophic care and ban employers from offering healthcare instead of wage bumps. The savings that are promised by insurance companies because of bulk purchasing is causing the costs to go up higher than they would alone. I would also get rid of occupational licensing across the board so that doctors are forced to charge less due to competition, but let's not tell Dr.K that. We can get costs down to the point where charities can cover the small percentage of people that still can't afford it instead of taxing people or raising prices as a result of the losses incurred by hospitals. The only reason that the losses incurred by hospitals are soo high is because the cost of providing the services, as well as the cost to the consumer, are massively inflated. If we can get the costs to 1/4 their current price, or even less over time, we're talking about a very manageable problem that wouldn't require state involvement. Most importantly, innovation would allow the cost of things to decrease over time in a market that actually functions, which is the main benefit that a free system has over a single-payer one. When you include proper patient law reform, a system like this could get the cost of insulin lower than it is in Canada in no time at all. Subsidies always lose to raw market competition with time and you get the added benefit of having a more competent industry as well that can bring more wealth/employment to the country because of globalized trade.
The problem with "giving power to the consumer" is the consumer has very little power over whether they get sick or not. The price on health care is inelastic. If you're sick and you need a doctor you're going to pay anything to get better. Your health takes precedent over all the money in the world. The only way the consumer has power is if they collaberate using a single insurance provider and have that provider negotiate prices on their behalf. You either do this or you have a government mandate prices, which can cause issues with surpluses and shortages.
And it will never get better until there is a public option that allows a bigger group to negotiate. Because investors will never allow insurances to lower costs that will effect their bottom line and hospitals will never accept less because they need to stay open. And billing codes only allow portions of billing costs to be reimbursed to hospitals and medical providers, and they have employees and costs they need to maintain as well. These costs will never go down until there is a group large enough to negotiate lower costs that do not have investors profiting as well (a public option). Once a public option is created and they can negotiate prices down, all insurance companies will be forced to lower their costs too in order to keep their companies off the "better" public option. If you disagree and think there is a better way, I'd love to hear it, because the public option seems to be the only way of course correcting. And continuing down this same oath and expecting different results is just insanity.
I like the system we have here in Australia, we have universal health care, funded by tax contribution on income on a progressive basis i.e more income, greater you contribute.. there is still private health insurance but really that only gives you the ability to get the fancier treatments in private hospitals, shorter waiting lists on elective procedures and ability to choose your specialists. e.g in the field i;m in, optics/ophthalmology.... if you have cataracts, you can get your surgery done in the public hospital under medicare i.e no personal cost to you... you dont get to choose your doctors though so you may get the resident/intern doing their first surgery ever or you can get the consultant with 20 years experience... if you have private cover, you can get your surgery done at private clinics, done by those experienced consultants, have the best implants so that you wont ever need glasses anymore etc...
If doctors request more expensive tests from insurance just because they can profit more that means that if we change to a strictly doctor to pacient system the docs are going to overcharge for the service as well
@@Ossian-dr1vr members dont even know what a deductible is. How are they going to know what tests or services would be best? You are at the mercy of the doctor
@@Ossian-dr1vr ensurances can at least argue with nonsense procedures. The customer who doesn't know a thing about medicine will be easy pray and have to pay for everything. I'm not a fan of ensurances, just can't see how it would be any better otherwise
@ale No, if that happens the customer can go to a cheaper doctor. If Chipotle is cheaper than Pancheros and has the same quality, wouldn't you want to go to Chipotle instead?
Greetings from Germany our Healthcare is far from perfect but its good enough. The problems we have come from the bureaucracy, doctor have to do insane amount of paperwork and because of this they dont like mandatory insurance patients and prefer private insurance patients for money and less paper work to do because only the mandatory healtcare insurance wants everything documented and dont pay extra money for it. Sry for my bad english^^
Also note the impending doctor shortage in the next decade along with decreasing interest in those applying for med school due to increased costs in schooling and the ongoing student debt crisis.
Insurance is literally the only mechanism to align cost and resources with uncertainty. You're throwing out feelings and emotions. Stick to the facts bubba.
Governments are also a type of insurance against uncertainty and evil. As for why health insurances existed in the USA, it is because when many Americans compare private services with public services, private servicestend to win out. Most people prefer the known rather than the unknown. How many had the chance to personally compare the health services of different systems? We know of the problems this system had. How many politicians had the courage to demand and supervise that we destroy a functioning (and crumbling) healthcare system to replace it with "???????" ? We knew the problem, we knew the solutions. They are easily sprouted but acting on it are close to career-suicide and praising the current system are still a vote-winner in some states.
This is a little deluded. Insurance at its best is a necessary protection against catastrophic events. Of course the healthcare insurance system is problematic but I see no intrinsic problem with insurance. I don't think it is evil to monetize fear either. I think it is evil for the government not to regulate insurance pricing, but insurers are providing a necessary mechanism for risk reduction.
It´s not the insurance thats the problem, its the employer thing america has going on. As a german dude, I am so happy about our healthcare-system. We got a lot of insurance-companies (private and legal) wich you can choose from. This creates a healthy economy were the insurance-companies want to create the best healthcare possible for as less contributions (thats what we call the "premium" in germany) as possible to keep everyone happy. This happens because the power is within the people - the employees, not the employer or whatever. This was the point of Dr. K btw. Not everything is great in the german healthcare, but it is way, WAY ahead of the US healthcare-system.
@Foken Facher ? State or Federal Tax. ? State or Federal Control. ? Quality control if it came from slow federal central or lack of quality control if came from state fund ? Will there be more tax on meat, sugars, fast food, mom and pop restaurant, to ensure that obesity do not crush the system ? Retraining the insurance employers/expelling hospital administrators ? How are the pharmacies going to react ? How does Big Pharma will fight against this much loss of revenue ? The objective is clear, the way to do it, who is willing to be the first that fall for it? And tried to continue it after the election if the next president reverse the act because the process take long than 4 years? If there is political will to do it, it will be done. But you have to convince the people who in their entirely lives found that state services are slow, less satisfactory than the ones they directly paid for. And even if you are able to persuade them, you have to fight an all-wars with the profiteers of this mess. Then you have to build your own version that can satified 50 states with different population sizes, different cultures, different economies. How would it look like?
Okay, now when I think about it.. let's say you have to undergo some operation, wouldn't it be cheaper to fly to the Europe and just have it there? I think the cost of the flight would be much cheaper than some exclusive operations.
Yeap. happens all the time. I work in tourism with almost only old Americans and Canadians. And we always explain. If anything happens or you think you need any kind of medical assistance. Just go. If it's not free, it's super cheap. Need an ambulance? Probably free or like 200$ depending on your insurance. Don't have an insurance or money? Still don't hesitate! Our government has an emergency fund for people like that and will cover you! Healthcare is guaranteed even if you're a homeless bum.
If we put the question of correct /best medicine aside, the more ímportant question is the Drs withholding info about the disease, what needs to be done by patient vs Dr vs others, what procedure or type of psycho-therapy one is queuing up for really, withholding proper medical conversations with the Dr so that one gets sicker, more exhausted, split, de-realized, alienated,worked up in worse stress/ over-arousal in lack of emotional regulation, which gives unnecessarily worsened and new disease, wíth the risk of new auto-immune ones as well as more decreased quality of life. Unnecessary stress-aggression, fear of the slander in journals,, the grey stone-treatment that is so depressing and weakening, desorientating and dangerous when weakened.
the benefits of capitalism should never have been integrated into the healthcare system, seeing that these treatments are necessary for the survival of human beings and there should not be people profiting off of our illnesses
You know that when he said that an ideal system would be one were the consumer had all the power because he paid directly is also capitalism, right? In contrast, in a socialist system the consumer would have no power at all. You can like whatever system you like but that is not capitalism's fault, is the US fault. No hate here hahahaha, I just don't think it's good criticism.
@@evelioguaperas it's a little more complicated, because the consumer's life and well-being are at risk. If you can control the supply of medical care, you can charge almost any amount, because the alternative is grievous bodily injury or death. There are strong incentives to monopolize that care.
@@issasecretbuddy The same can be said for food, yet you have plenty of it. People have been shouting of fears of monopolization in a free market for centuries, yet it never turns out to be true. You only get long lasting monopolies when government is somehow protecting them by eliminating competition.
garbadarb companies cant charge more than what most of their customers can afford. As price goes up demand lowers and as price goes lower demand rises. However they have to meet in the middle where customers are willing to pay that amount. If that company fails to provide, an alternative company can do cheaper higher quality etc. and that will force the more expensive company to lower its price or provide different services
If you had a public healthcare system there would still be som bureaucratic positions created that people from the insurance industry could work in, the difference being that they no longer need to press as much money out of you as possible to appease shareholders.
"Benefits of M4A: No more deductible to reach No more premiums No more out of pocket costs No more headache over paperwork No more fighting/calling for insurance No more worrying about bills and payments No more chasing the down who you owe No more wasted time filing claims No more medical bankruptcies No more worrying about out of network services No more being tied to your employer for insurance Workers have more leverage over their pay, benefits, and work conditions No more being tied to your spouse for insurance No more being tied to your parents for insurance No more being tied down to where you live for insurance No more dying because of cost No more dying because of lack of coverage No more medicine rationing No more worrying about cost of ambulance No more being confined to which doctors who can visit Allows small business owners to higher more workers No more corporations making billions of dollars from people's illnesses Guarantees coverage to all Americans and at a cheaper cost! " - Adam Iaccheo, a Commentator
American healthcare fking sucks. I haven't had healthcare since I was 18 and I'm 21. I should be getting on a plan soon due to work. Never gonna use it though cause the deductible is $5,000.
You know - i live in central europe, and pay a LOT of taxes (my income is pretty high). But when i think about it - i love to pay those taxes - i don´t have to care about being fired so much as i would get payed anyway for quite some time. If i go to the Hospital - i go there without any fear of financial backlash because i pay NOTHING at all. Also i didn´t have to fear being shot in school...but that´s another topic. I really think the socialistophobia and the "freedom" fanatism made it so that the USA is a country most Europeans never would want to live in for a longer period of time.
Watched 2 seconds of this, can already tell the reason. Non-public funded healthcare. Being able to seek medical care should be a human right. Not even Margret Tatcher would touch public healthcare. But in America it's just like any other comodity, the fact that people cannot afford to go to the doctor is a disgrace.
One big part of insurance systems that can work (but doesn't in the US because the system has actively been undermined) is the bulk purchasing power / effectively, collective bargaining You say Singapore instead asks each individual to keep saving to spend them when needed. How are costs kept low to the patient in that system?
Sad to see this. Here where I live the employer pays the insurance for you and every citizen has to have an insurance and everyone is equal and you get the help you need if you have let's say a car accident. We also have a whole institution that makes sure the state pays insurance for you if you loose your job. It is true that many things in the Czech Republic don't work 100% right, but we are really safe here as citizens and all the health care is for everyone no matter who you are. The health insurance institutions are able to pay for even the most expensive medications in the world which is amazing (Zolgensma).
Pretty good explanation. I would've really liked to see you continue from where you left off. Explaining different methods of enacting a single payer system. I'm not saying it's the best option but I like how you did so far. It would be helpful to see your illustrations of the various systems side by side.
I’ve been saying a hunch for years: Reject insurance for non-critical care. Doctors visits and non-life threatening emergencies should be paid out of pocket. Insurance should be reserved for catastrophic illnesses. Care providers won’t be able to exploit the insurance system, and healthy employees-rather than insurers-can bank their employers contribution. Furthermore, patients will be cost conscious. It will force care providers to be considerate and competitive.
I'm entirely on board with single payer but I have heard the statistic surrounding administrative costs is misleading, as the majority of people currently on Medicare are older and have more expensive health issues. So with the overall cost being higher, administrative costs will always be lower as a percentage.
The mom allowance game example hit a little too close to home cause when I was a kid and I'd convince dad to let me buy a game he'd always but into my choices and never back down till I went home with a game I'd never play. "You want Lego Star Wars? No you already have Lego Batman. Buy this shovelware sports game instead cause I want you to get into sports. You want Pokemon Platinum? Pokemon is for kids. You can have this shitty shovelware mini game collection though, the cover looks mature. Sonic Unleashed? You have too many Sonic games. Get this kinect shovelware game instead cause you need to exercise." It's been years but I still get infuriated thinking about it lmao
I live in a country with a universal healthcare system. I cant imagine a life wihtout it. I would be broke as f. I were in a hospital for 4 weeks as a kid and my mom paid nothing. Its paid bye everybody in the country over their salary. Just sad and i feel with the poor families in ur country that cant get the treament that they need. Iam poor my self and i dont have to fear these things even if iam unemployed.
I disagree that the video game industry is a model that the healthcare industry should follow. If someone can't afford the video game they want to play, they shouldn't buy it. Oh well. If someone can't afford the life saving healthcare they need, they should get it anyway.
What a surprise, an american who has a capitalistic view of the medical system. The answer is much more simple. No one should ever have an incentive to do or charge more then needed. You don't want insurance, you want it all paid through taxes, and hospitals will get the money they need to help people, also hospitals have a limit to what they can pay in salary, that way they can't be exploited for their own gain. To be clear, most people will not know how to spend their money, they will not know whether something is worth it or expensive. We know what an apple is, we know how much they cost, and we do this with a clear head. We do not know if an MRI is worth it, we don't know how much they cost, and we only need them when something is wrong. And you as a doctor should know that patients do not know what is the right choice, when in distress. When I got to a doctor (in the medical field), I need to trust them, to know what's best for me, and that should be their only incentive, not to compensate for someone who has no money, not to keep the salaries up or to buy new equipment. I want them to only care about what I need. And like you said, insurance companies shouldn't even be included in this mix.
Single payer is just a better system. There are different types of single payer, I tend to agree with the Sweden style more than others. The for profit motive doesn't work in every market. Education, healthcare, infrastructure, etc.
Trust me Swedish healthcare is a joke. Statistics are missleading, they say it's one of the best healthcare qualities in the world and that's true, however you will have to wait for years to get treatment for cancer.
lol I come from Singapore and you morons think it is paradise. Where I come from you better pray to whatever god in the universe there is that you do not end up in the hospital. 1/3 Singaporeans get diabetes/cancer in their lifetime. Don't tell me that it's all rainbows and sunshine. There's a very good reason all the smart singaporeans left for the West to study and make a life here instead.
Try 75,000 for a 10 minute chopper flight while in the middle of nowhere bleeding out (motorcycle accident). Fully insured motorcycle and through my job. I get to pay 100% since I was (out of network)....... I have worked and payed for premium insurance since I was 15 and never made a single claim..... mind you this was just the flight not the ER bills... Btw pay for ambulance coverage in your area if you can.... I think my ER visit and day in the hospital came in at another 150k.
Hell yeah, I studied medicine in Costa Rica and their healthcare system is really good. Same stuff that your employer makes a contract with the only 2 insurance organizations in the country and then you get the attention. For all the people that say "oh i dont pay anything" and whatnot, remember that nothing in life is free. The medical attention you get comes from the taxes you pay or others, the quality of service might not be as good, universal or immediate sometimes... you issue or ask the patient to get a CT Scan and that whole thing might be delayed for a whole year because of waiting lines. We are also having problems of funding because people without insurace are tripling costs for every hospital... Every system has its flaws, some more than others... one thing for sure, is that US doctors are world leaders in medical research, we all have consult their books or guidelines in our career's lifetime... point for 'murica? 😅
I've been to my psychiatrist every six weeks for a couple years now, and she has not told me anything I didn't learn in undergrad psych classes over a decade ago. It's literally just a game of guess and check with (primarily) SSRI/SNRI drugs, all of which made my situation worse.
Have you ever heard about orthomolecular psychiatry? Worked for me better than anything else. Talk therapy was a joke and SSRI's are basically roulette.
Take it from someone who works in pharmacy, GoodRx is literally a godsend when it comes to prescriptions and everyone who doesn’t have super good insurance should always always always check it for their prescriptions. Skip all the prior authorizations and get the medicine you need when you need it.
In Norway we get free public health care after 600$ or something. There are obviously defects to the health system here as well and many need to seek private health care bc the state doesnt give enough craps. But like when my dad got cancer we dodnt have to worry about finances on top of it all so I really think fundamental healthcare should be free/low-cost worldwide
Healthcare should be "free" or largely subsidized, much like the Western European countries. However, Americans are indoctrinated to believe anything that exists outside of capitalism is extreme communism. Problematically, we also have enormous amounts of debt due to how our higher education system is structured and we spend TONS and TONS of tax money on national security/defense. The culture of America is heavily entrenched in war, guns, etc. (see the 2nd amendment, which people vehemently defend) to the extent that I don't see how this could easily be changed to levy taxes for other things, such as better welfare systems, healthcare, or education. Oh well, guess I'll move to Canada, the U.K., or some Nordic country 'cuz I doubt I'll see these changes in America until I'm on my deathbed since these issues are (IMO) more representative of the cultural beliefs here.
Although i believe u started out as fake it till u make it style, u truly have the mental and knowledge. Maybe u were never faking it but living it into life.
I realize you were trying to avoid political discussions, but I would really like to hear your take on how socialized healthcare would work if implemented in the US, which of these problems it would/wouldn't solve, what new problems may arise, etc.
I'm an employer & manage the benefits for a 10-person sized videogame company. I'm totally going to steal all of these gamer explanations to explain health insurance lol. But yeah, I don't know how new businesses can survive with insurance rates as high as they are, the bulk discounts aren't great at our size. Also what's insane is how much insurance costs increase year to year. It's compound interesting at such a high rate, I don't know how this can keep going on :/.
What is insurance is right for me? I'm 36 never been to the hospital except for auto accidents that were not my fault.. Luckily I'm prior military so insurance isn't required
In Australia, we have a system which is essentially free, or at least subsidised by the Medicare, which is funded by tax. You can only use this though, for certain things at times and depending on how much you earn and stuff, but still covers most public healthcare resources and pharmaceuticals. That way everyone gets access to health care, and generally useable on more things that private health insurance allows. Even under a poor governing party (FUCK THE LIBERAL GOVERNMENT! VOTE LABOR! So much money going to healthcare has been cut by the former government party, while the latter governing party wants to increase it, which it could), our healthcare system is still pretty good. Overall it's cheaper and more accessible in comparison to the American healthcare system Healthcare Triage: ua-cam.com/video/ylsO0VVy29U/v-deo.html CNBC: ua-cam.com/video/X9XZcgFZdi0/v-deo.html Here is a comparison between the American and Australian healthcare systems> This is quite entertaining too, imo. Subscribe to FriendlyJordies FriendlyJordies: ua-cam.com/video/RAINLnh9tdI/v-deo.html ua-cam.com/video/R_8HS1iVeIA/v-deo.html Our system isn't perfect, but it's closer to it than many other contries.
I’m starting to think Dr. K cares about people
How come?
Maybe it is more an expression of basic decency or shame for what the medical system and drs do to human beings in the name of health care.They shall save lives soothe and help. What if he'd provide info how someone sick and weakened by care can get stronger organize and change this. Maybe he says it in other videos. 1st time here.
Always has man
I went to South Korea and badly sprained my ankle. I went to the hospital (that's where private doctors work) with no insurance, got checked out in an hour. An x-ray, splint, and months worth of medicine; 100,000 wan = less than $100. It was amazing.
That's only because the income levels there are lower hence the lower cost. Try paying that 100 bucks on a korean's salary and you will whine as loudly as you do paying for us healthcare with a us level income.
@@SmoothCode South korea has an average yearly income of $37.849. In comparison the average yearly income in USA is $48,672. Not the biggest difference imo
@@xXTiggaBoBXx $11k is a pretty big difference if you ask me lmao.
@@Horfenico The difference is roughly 29%, so if we correct for difference in income 100 bucks in Korea is worth 129 in the US, so it's not that big of a difference.
tuzmo Increasing your income by 29% is huge and can change the way you live your life.
Wait. You pay over 2000 dollars a month in insurance??
What the actual heck. For someone living in Belgium this truly shocks me.
We complain about being taxed too much but it seems Americans lose way more money to insurance than we ever do to taxes.
That's why I plan on leaving the US, as soon as I'm rich enough to live on savings until I can find a job in Germany.
This is the difference between the United States and most other countries in terms of health insurance. Europe and many Asian countries subsidize health insurance with taxes, we subsidize it with our employment. Meaning if you aren't employed, you are literally fucked
To be fair he pays insurance for a small family. I might be in a weird boat, but I do pay quite a bit for just myself as a single 27 year old. I pay roughly $500 a month for "premium" healthcare. Here's the other shocking thing... I pay about 60% of my income in taxes (before other Americans decide to say that isn't possible, it is. Property tax, Federal, State, and other taxes.) It's insane (granted I make a good portion more then what the top bracket makes). Health insurance providers get monopolies on states and just continue to screw the consumer. I think good examples of places where the state hasn't touched with health insurance has been a great lesson about free markets. Lasik (eye corrective surgery) is a common procedure that used to cost over 40k... now it barely costs 2k. Braces (specifically for orthodontist) used to cost around 10k, now they cost less than $500. Really the power should be to the people. Optometrists (although slowly some medical insurance is starting to cover for them) is super inexpensive. About $5-20 for a prescription (don't ever buy their glasses there that's a monopoly too, do that shit online). My convoluted point is that I'm still shocked every time i go to the hospital or pay the tax man.
@@Xantosdude yeah dude that is so shocking to me. Like I got out of the hospital to get treated for a leg infection and infection around the heart.
Stayed in the hospital for a week. Needed meds, scans etc...
I paid 140 euros total. The rest is covered by government. Most of that 140 euros is even reimbursed by health insurance.
Sure my country taxes heavily. But I don't mind if the trade-off is that I don't have to worry about either education or healthcare.
I can rest assured I'll get top quality education for my kids and healthcare no matter what.
@@AlextheBant That's awesome. What a lot of Americans don't realize is that we spend more than any other country in healthcare. There could be some argument that we lead in a lot of medical advancements... I know that in eczema and stomach cancer treatment we're top in those categories, but there's no question that we shell out more than anybody else. A lot of people like to give shit to Americans, Americans included (which is great btw it's amazing we can be so critical it's how we're gonna improve), maybe it's deserved maybe not, but there's gotta be some coming together lest we all want to destroy each other.
Side note: Bruges is one of my favourite places, esp chilling by the canals. Although I dislike mayonnaise a lot (why with fries?), the hot dogs are great!
Paid $60,000 for my wife's D&C and blood transfusion. Still paying it off 8 years later.
$60,000 ?! WHAT! Wait do you have no insurance at all then? Wouldn't such important things be covered?
O M G !! WHAT IN THE HEL?!
It is a possibility that the service was done out of network and the insurance only paid up to what usual and customary letting the doctor balance bill the member
@@xander9460 HAHAHAHAHA GOOD ONE
Jesus, financially it's literally worth it to move country at that point
It really sounds like the healthcare issue is close to the education issue. Costs are going up because admin is going up because the systems are convoluted with middle-men that scalp both parties that want to exchange services/money.
Pretty much.
Eliminate the Middle-men, and sort this shit out.
As a pharmacy technician.....
Thank you for taking 50 minutes of your own time to educate a bunch of people why getting medicines can be difficult.
Breaking Bad would have never happend if there wasnt US "healthcare"
Breaking Bad never happened dude.
neon bible wow really I was sure that there was a bald man doing drugs and screwing over Mexican cartels, thanks for clarifying dude
neon bible r/woosh
@@neonbible8103 fucking no shit sherlock
except.. breaking bad never happened.....
When I was younger I wished that I would live in America, now I'm glad I don't.
LOL ME TOO WTF!!!!
@@KataokaTV Sure thing, mate ;)
Just go to Canada.
What people don't understand is that this isn't an American thing... The system is the same in other Western countries too... the difference is you pay your governments the money... You guys have ANOTHER middle man added to the equation...
@@xxchancetxx errr wait no. We pay insurance like the taxes. It doesn't cover everything all the time. Depending on the state you live in it covers partially or only a few services for certain age groups. In some states the healthcare is free but it comes with higher taxes. Western countries is a lot of countries each with their own policies, it's not Murica.
Such a fucked up system is hard to find outside the US. Nobody FORCES you to pay thousands you don't know what for then tells you that you can't get the care you were paying for years.
The insurance is universal, the exclusion of the consumer that pays for it is not.
To the person who said in the stream, "So creating jobs", your logic is bad if you think that excuses an expensive system. Job creation is not paramount. You have to create productive jobs. Jobs that exist to further bureaucracy and bloated systems are not good jobs and they actively harm the economy. They do not help it. With the amount of money saved, those people could just not have to work and live for free.
If the goal is to produce the most product and make the most money, these jobs don't help things. They make the world a worse place. Let me say it again, if these systems were changed so that these jobs didn't exist, it would be cheaper for you as an individual to take a minor hike in taxes and just pay for them to sit on their asses than it is to keep the system the way it is.
Exactly
Those are called useless jobs
Jobs with no meaning and bloat a system meant for basic human needs and evolution is destructive. More managers means a bloated red tape system
That's why "productivity" is a more respected metric in the country's economy than the pure number of jobs.
It's what the stock market uses as one of the tools to see the health of an economy (first hand experience here)
cuz my mother died of breast cancer at 48 I was told to go in for genetic testing. My doctor refereed me and I was told it was covered. I went to the hospital for 30 minz session came out and had NOTHING done basically. I went home thought it was done.
Few weeks later I got a bill, it was requesting that i pay 260 dollar because of this visit. Apparently my insurance only covered 200 sth ish. Then i looked a the bill there was a charge 200 dollar for just stepping into the hospital. The funny part is the genetic testing was covered because of referral. The visits to the hospitals are not ??? I called the hospital back and got a 25% discount lol they told me I should call earlier to get more discount. I asked them is there a reason why no one can tell me what I should pay before i get the service? I grew up in Canada and our health care is really different obv. The department said no but I can call the billing department when my doctor order something and I can check in with them then decided if I should take the order of service basically. Sometimes it is impossible since they don't even know till they ask my insurance company. They asked if I would come back to the testing. I told my counselor and my doctor I am 25 years old I don't just have thousands of dollar laying around to come for " visit" for something I don't even have. If it was cancer or something actually needed I would go obv and pay. If i do take the test insurance company can use my test results against me ( life insurance). The funny part is the doctor said they won't remove my breast either depending on result and I just need frequent testing when I turn 30+. So i basically paid 260 bucks on a knowledge i knew anyways from googling.
What the worst part is, I have gold insurance from blue shield. My husband is a software engineer and we have decent insurance. We pay and his employer pay and I just get dinged sigh
don't get me wrong canada is no where near perfect. My mom had to fly to asia to get her tumor removed because of the lines ( She was a doctor in asia before she immigrated). My mom eventually died to brain tumor. The government also asked me to fund some of her hospice care , but at least I don't come out of the hospital with big bills.
I am a family doctor in Ohio and having medication coverage denials and having to deal with prior authorizations is the bane of my existence. Often patients cannot get the medications they need such as insulin because of high costs, despite having good medical insurance. It is very frustrating being a doctor with the insurance bureaucracy being in control of how I practice medicine.
Sad to see this. Here where I live the employer pays the insurance for you and every citizen has to have an insurance and everyone is equal and you get the help you need if you have let's say a car accident. We also have a whole institution that makes sure the state pays insurance for you if you loose your job. It is true that many things in the Czech Republic don't work 100% right, but we are really safe here as citizens and all the health care is for everyone no matter who you are. The health insurance institutions are able to pay for even the most expensive medications in the world which is amazing (Zolgensma).
@@Chris971. why would it be one or the other? stop being disingenuous.
PandaKO looool wtf
@@Chris971. In Ohio there is OARRS which tracks opioid and other controlled prescriptions. If someone were to prescribe an out of the ordinary number of these, it would likely alarm the DEA to look into it.
I knew the murican healthcare system was a mess but I didn't know it was that bad. I live in straya and I can tell you our healthcare system here is far better. I've been in an ambulance, I've been in hospital, I've had medical procedures done and all of those didn't cost me anything. I wave my government healthcare card, sign a form and it's done. The only medical thing I've had to pay for is some doctors appointments (because they didn't bulk bill) and medications (which were heavily subsidised anyway) where I end up paying $35 AUD for a doctors appointment and $6 for a medication script. Our system still isn't perfect but at least you can get proper medical care even if you don't earn a lot.
I think it might be important to mention that the issue with the US healthcare system does not lie purely on the shoulders of the health insurance companies. The costs of MRIs and CT scans, for example, are much higher in the US than anywhere else in the world. Health insurance companies are bound to the 80/20 rule, where 80% of premiums that insurance companies get must be paid out in health care costs, with the remaining 20% to be used for running the company, paying salaries, etc. Dr. K is certainly right about the corruption of the insurance system, and these things should be called out at every opportunity. But it must be stressed that this is not the sole problem with the system. Drug prices and health services are the primary force driving the price of premiums up; if these costs were to decrease across the board, then naturally, so too would the premiums that are charged to the consumers. Health insurance is highly regulated so that price gouging does not occur, although there are lots of ways to skew data to benefit an insurance company upon an audit.
Tldr; artificial inflation of medical services is also a major cause of healthcare cost increases: both hospitals and health insurance companies bear culpability.
Source: I work as a data scientist in the insurance industry.
Why are the costs of MRIs and CT scans so expensive when it should be universally the same technology and furthermore, the same price?
@@disjaibled At least one component of this was referenced to by Dr. K. When insurance companies pay for everything, doctors will order the more expensive tests, sometimes regardless of whether the patient actually needs this. Because of this dynamic, the more specialized tests are over-ordered, increasing demand, and consequently increasing the price. Another component of this is that hospitals often overcharge for these tests because there is a severe lack of transparency in hospital billing, and it is very easy for hospitals to price gouge when the patient isn't aware of the costs. It all falls down to the consumer being powerless, and they don't have a choice when their life or well-being is at risk. The consumer is being taken advantage of at every turn, hence the price increases.
As for how this compares to other countries, I don't know enough to be an authoritative source, since I am only familiar with the American system. My only guess would be that there are fewer intermediaries in other countries, and that the billing of hospitals is much more transparent.
@@Tydesda this is true. If insurance paid for everything why not do every test under the sun? There has to be regulations and checks to see if it is medically necessary
Mr Helltz because the insurance company still has the ability to say no within reason
This is something Sanders was very clear about in his messaging during his campaign, thankfully. Price negotiation for drugs would go a lot better if the bargaining corporations knew they had to deal with the entire nation as a single customer instead of trying to see how much they could squeeze out of many smaller corporations.
Your videos are incredible. This is by far my favorite video of yours. I can’t speak out of the topic but I’m so glad you covered this. I really wish more physicians speak up about this specific topic.
The main problem in my point of view is that healthcare is not like other buisnesses , you dont get to choose if you want that service or not , the other choice you got is death(probably) , and nobody is going to pick that option , its not like any other services where you can decide if you want them or not , you are obligated to use them (most of the time), when you need to use them , this is a crazy industry to monetize , becouse its not like you can give consent in using them or not , imagine you get drowsy and you faint on the street , and someone calls an ambulance for you , then when you wake up you get treatment without your consent , and a huge bill which you will have to pay , a goddamn awful system to monetize
Holy shiz! This is a great explanation. I've never thought of it this way.
In Economics this is called the third party payer problem. The US Health care system is a text book example of it.
im 20 minutes in and im already sad. I knew the healthcare system was bad in america but its just insane to hear about from a outsiders perspective. the fact that ypu dont get to choose and pay those absurd amounts of money for it otherwise is so stupid. In the netherlands (where i live) its cheap and you can always change and you actually need to have one because of the government, i hope 1 day the americans get something like us or obama care again
Obamacare was trash. I had to pay a fine because I was too poor to afford healthcare because I had just graduated high school a year before and was working a shit job.
The US can't get singlepayer healthcare because we have a lot of fundamental issues that haven't been addressed (birthright citizenship, illegal immigration, a population that does not care about their health, ect ect.) The US already invests in more into our healthcare system than any other country in the world. The problem is that there's so many regulations/redtape that by the time the money reached the portion of healthcare all the administrators and other bureaucratic people have eaten up most of the money.
@@petnaby I believe you need to do a little more research as a future economist, you have a misinformed view on immigrants.
@Hi How Are You? N OMEGALUL
@Hi How Are You? Here it is the definition of being brainwashed
Capitalism is a scam lmao
Idk if that is true but i heard that the US healthcare system is so bad that the life expectancy in the last years went DOWN in the Us (without Corona counted in)
Yeah it's been going down since 2014.
it's because the usa is to FAT
There's also the opioid/opiate epidemic that no one talks about.
There's no opioid epidemic any more than there was a gin craze during the industrial revolution. Many people use opioids and have used opioids and gotten of them every day without ruining their lives. The fix the opioid crisis we would need to stop traumatising children and that is not possible in modern society. There will only be more and more junkies; modern society promotes and perpetuates trauma snd disconnection, narcissism etc.
@@GM-yb5yg Factually wrong. Spreading misinformation causes harm to real human beings. Don't do it.
The problem isn't whether you're in favor of a more social healthcare system or a more private system, the problem is corruption and bloat.
@illogicalrelish There is just as much money to made in government.
"Maybe he fires you then." That sentence completely got me off guard and made me break into laughter.
Step 1 to bettering the US healthcare system: dismantle the bourgeois
So. I'm curious right. I live in the Netherlands. We have a mandatory basic healthcare insurance. Everyone pays about 130$/month. Unless you earn very little. Then you get subsidies up to 90$ cutting it down to 40$/month The basic version covers everything. There's something called "own risk" each year you pay the first 420$ of medical bills out of own pocket. Doesn't matter what it is. If you don't get sick that year you don't pay it.
.
So 130$/month + possible own risk of 430$ per year. So maximum 1990$ per year.
.
To fund this healthcare system (and many other things) we pay high taxes. Depending on your income; from 20%-55% income tax.
.
Your treatment of 120.000$? Would be 430$... Doctor recommends and extra scan to check internals? Boom! added for free! Already payed the 430$ own risk this year! Need an extended stay in the hospital? Free! Medication? Free! Well... Payed in taxes ofc.
.
*So! Would an An american be willing to pay taxes like that? Get mandatory health insurance? *
.
"Edit: Oh yeah and having a baby is free/included in the insurance... Wtf, USA ?! What was the average for a baby? 10.000$ ?!"
@Joseph S. No no, I'm just curious of Americans are willing to pay between 20% and 55% income tax to get these kind of healthcare systems funded.
I would gladly pay these taxes to have the peace of mind and be able to actually receive healthcare. With our current system, it only exacerbates healthcare issues because preventative care is not affordable.
@@xander9460 I would not be willing to pay anything above 15% income tax.
@@tyronecoachella that mean you earn less than 40k in a year, en.wikipedia.org/wiki/Income_tax_in_the_United_States#Marginal_tax_rates_for_2019
but you still get a shitty medical care
Zack fiat that is true cuz I have no job
It's even worse because you can just choose to not play video games if it is too expensive, but you can't choose to forego necessary healthcare.
mum i want baby back ribs
mum: we have baby back ribs at home
baby back ribs at home: *pigs feet*
This is so fascinating. Thank you so much for explaining this, really good to know about this
Something like this really should be trending. Having all of this information of how everyone here is getting fucked and why certain things are fucked in 1 spot is something that everyone should see. I certainly didn't realize some of the information he shared here.
As someone who is frugal / doesn't spend unnecessarily, I absolutely despise paying interest on just about anything because I know I would be paying more to have something a little bit sooner. I would rather just wait and pay less overall. I know some people just can't save money for whatever reason, but I can save a good amount on my own (even with all of the healthcare bs, house payments, etc I can still save 500-1000 per month on a 50k salary). Imagine if I didn't have to fork over hundreds every month to insurance? The concept of insurance as a whole sickens me - paying for something I'm not using. 99% of warranties work the same way, so I usually also don't buy into those. They charge the maximum amount they can to end up never paying and just pocket the rest. Health insurance is essentially doing the same, but it is for a service that you may or may not use.
Systems like HSAs are much more practical imo: that is still YOUR money. You're not just watching your money vanish into thin air because of a "what-if" like you do with insurance. It's your savings, period. No 3rd party company that is driving up the costs of everything in the system.
I would say just crash the entire system and do a reset, but there are so many job tied to dealing with insurance in the healthcare system that I don't know if we could ever do that all at once. But it sure as hell seems like it would be a good step in the right direction of unfucking everything.
Whats crazy is that this isn't even the whole picture.
The doctor in the triangle is replaced with a for-profit hospital network, which has to manage shareholders, negotiate with all the different insurance companies, and handles all the administrative stuff for the doctors\staff and then pays their salaries.
The insurance company isn't just dealing with the hospital networks and the employers, but also pharmaceutical companies and medical supply providers. They will make deals to cover certain drugs and not others, or cover medical supplies provided by premium companies and won't cover generic supplies that work just as well.
And what are pharmaceutical companies incentivized to do? Maintain exclusive control of a specific drugs by filing for patents so they can increase prices for life-saving drugs and treatments.
Don't forget universities! They are constantly raising tuition and making it more expensive to become a doctor.
Every single link in the chain pushing costs higher every year, with no downward forces in sight. All because we're trying to shoe-horn a service that is price insensitive, into a for-profit frame work. People need health care and have to pay whatever the cost might be to stay alive. Its the perfect storm for exploitative practices, and the customer has zero recourse. Its either die or shut up and pay the fee.
Drug patents only last like 7 years or something before the stuff goes generic. Drug companies have to continually do research in a very tightly regulated market in order to produce new patents and new drugs, only a slim few of which will ever make the market and allow them to recoup their investment all before their patent expires. They have an incentive to produce new, more effective medicine, and then the rest of the world (India and China) rip it off and reap the rewards. Inflated drug prices are just insurance companies forcing its customers to use a certain “discounted” drug that to an uninsured person would be unattainable. That’s how the insurance companies keeps the market trapped.
My strategy for healthcare:
(1) Catastrophic insurance
(2) No insurance for lesser things to incentivize myself to have both enough cash on hand and get my health in order
(3) For learning how to take care of my own health, one of the most powerful tools seems to be with diet. I am currently practicing intermittent fasting (2 meals a day) along with periodic prolonged fasting (no meal for 24, 48, or 72 hours, though I end up doing 43 or 67 hours more practically). The prolonged fasting requires more caution and is more challenging (I like to replace a meal with extra liquids), so do your own research here. One can also ease oneself into intermittent fasting as well. One source I like to learn from on this, among others, is Dr. Berg.
How do you negotiate Emergency care? That's pretty tough right, as in the moment, you may not have the luxury of time.
Emergency Rooms are required to see every patient that walks into them. They will do the bare minimum to make your situation "not an emergency" then kick you out and tell you to visit a specialist or primary care doctor. Then 3 weeks later you get a bill for several thousand dollars. I thought I was having a heart attack and for them to run tests, give me an IV, and do an xray my bill was $4500.
The information in this video is what made me quit nursing school. Makes me want to move to a different country.
that was a pretty stupid descision on your part. Not only are healthcare systems in other countries not a whole lot better anyway, but you could have just gotten your degree then moved out of the country if thats what you wanted to do.
Horrible decision
@@flamemano well, university in America costs a 10× other countries and in other coutries the helthcare sistem is a whole lot better
@@flamemano we don't pay for an ambulance ad insurance even if it comes with taxes, doesn't cost 4000$
@@flamemano Laughs in European.
The US is the closest to hypercapitalism out of all countries. If your system prints a dollar bill on anyones health, the system is broken. All systems are broken to an extent, but when a developed nations health care system scores lower than some developing countries, you know there's a deep issue with ressource distribution.
28:17 can we get an f for deryankurdl, the one person who wanted Dr.K to stop talking about healthcare.
In Chile we don´t have all your problems, we can choose our own insurance (and there is a mandatory quota of 7% of your salary for healthcare) and health coverage by insurance is in % so there is a direct money transaction between patient and clinitian, and the system still sucks. In a high inequality country like mine, private insurance´s incentive is not to provide wide coverage, but rather to provide high costs plans for people that can afford it. So they make alliances with expensive clinics (whose services are poorly covered under public insurance) and charge many times what the public sector does to offer better service with no queues (this is the main difference, you pay a lot more to have that surgery right away instead of waiting for months to have one on a public hospital). This creates a great system for the wealthy, but a terrible one for the poor. Since private insurance is expensive, most people relay on the public system, which then gets overcrowded and is in a greater and greater demand for better funding, but since the wealthy hire private insurances, their money doesn´t go to those hospitals in need, rather going to private insurances companies, that then invest it in the clinics that they are in alliance with. The end result are two parallel health systems, one which is a downward spiral and one that is a upward one in both terms of service and cost (so most people can´t never afford to get on the better system).
I am literally dying of an undiagnosed nerve problem they say in my brain or spinal cord, I am in so much pain everyday, the doctors never listen. I have been waiting over 3 weeks for very important tests on my spine because I’m waiting for the insurance to approve it. Also some pain medications are not covered. I cannot walk anymore but a wheel chair was not covered. I have been waiting for over 5 months for a breathing test because the insurance won’t approve it even though doctors say I need it. I have been sick for a year and the hospital is just watching me deteriorate while they wait for their money. I’m literally preparing to die because of the medical system in the US.
This is absolutely on point. Also for those wondering the difference between HMOs, EPOs, FFSs and PPOs, think about the differences between a standard Ubisoft release and it's Gold, Complete and Ultimate editions.
this was one of the most informative vids yet! great work!
You cannot do a cost-analysis of healthcare in the US without mentioning CON laws (certificate of need).
It's pretty much rent-control applied to healthcare.
Limit health insurance companies to only providing catastrophic care and ban employers from offering healthcare instead of wage bumps. The savings that are promised by insurance companies because of bulk purchasing is causing the costs to go up higher than they would alone. I would also get rid of occupational licensing across the board so that doctors are forced to charge less due to competition, but let's not tell Dr.K that. We can get costs down to the point where charities can cover the small percentage of people that still can't afford it instead of taxing people or raising prices as a result of the losses incurred by hospitals. The only reason that the losses incurred by hospitals are soo high is because the cost of providing the services, as well as the cost to the consumer, are massively inflated. If we can get the costs to 1/4 their current price, or even less over time, we're talking about a very manageable problem that wouldn't require state involvement.
Most importantly, innovation would allow the cost of things to decrease over time in a market that actually functions, which is the main benefit that a free system has over a single-payer one. When you include proper patient law reform, a system like this could get the cost of insulin lower than it is in Canada in no time at all. Subsidies always lose to raw market competition with time and you get the added benefit of having a more competent industry as well that can bring more wealth/employment to the country because of globalized trade.
@healthygamergg is it possible to have time stamps like the older videos? I really enjoyed being able to watch specific parts when it gets busy
$2.5K a MONTH? a fucking MONTH?! HOLY....
Thank you, Dr. K for videos like this (and for all your videos)
Is this meant to be for Non-Americans to understand how it works or Americans? Cause if its for the latter than the system is already fucked.
The problem with "giving power to the consumer" is the consumer has very little power over whether they get sick or not. The price on health care is inelastic. If you're sick and you need a doctor you're going to pay anything to get better. Your health takes precedent over all the money in the world. The only way the consumer has power is if they collaberate using a single insurance provider and have that provider negotiate prices on their behalf. You either do this or you have a government mandate prices, which can cause issues with surpluses and shortages.
Nice video :D Always wondered how it all worked. The visual helped a lot.
i don't even live in America ... but it's quite interesting. Knowledge is power. Thanks Dr K.
And it will never get better until there is a public option that allows a bigger group to negotiate. Because investors will never allow insurances to lower costs that will effect their bottom line and hospitals will never accept less because they need to stay open. And billing codes only allow portions of billing costs to be reimbursed to hospitals and medical providers, and they have employees and costs they need to maintain as well. These costs will never go down until there is a group large enough to negotiate lower costs that do not have investors profiting as well (a public option). Once a public option is created and they can negotiate prices down, all insurance companies will be forced to lower their costs too in order to keep their companies off the "better" public option.
If you disagree and think there is a better way, I'd love to hear it, because the public option seems to be the only way of course correcting. And continuing down this same oath and expecting different results is just insanity.
I like the system we have here in Australia, we have universal health care, funded by tax contribution on income on a progressive basis i.e more income, greater you contribute.. there is still private health insurance but really that only gives you the ability to get the fancier treatments in private hospitals, shorter waiting lists on elective procedures and ability to choose your specialists. e.g in the field i;m in, optics/ophthalmology.... if you have cataracts, you can get your surgery done in the public hospital under medicare i.e no personal cost to you... you dont get to choose your doctors though so you may get the resident/intern doing their first surgery ever or you can get the consultant with 20 years experience... if you have private cover, you can get your surgery done at private clinics, done by those experienced consultants, have the best implants so that you wont ever need glasses anymore etc...
If doctors request more expensive tests from insurance just because they can profit more that means that if we change to a strictly doctor to pacient system the docs are going to overcharge for the service as well
no because when the customer can choose what they buy for themselves they will only go to the doctors with fair prices.
@@Ossian-dr1vr members dont even know what a deductible is. How are they going to know what tests or services would be best? You are at the mercy of the doctor
@@Ossian-dr1vr ensurances can at least argue with nonsense procedures. The customer who doesn't know a thing about medicine will be easy pray and have to pay for everything. I'm not a fan of ensurances, just can't see how it would be any better otherwise
@ale No, if that happens the customer can go to a cheaper doctor. If Chipotle is cheaper than Pancheros and has the same quality, wouldn't you want to go to Chipotle instead?
Honestly one of the most underrated videos on this channel 👍
Thanks for your work Doctor. Such a refreshing perspective on countless issues plaguing us today.
Greetings from Germany our Healthcare is far from perfect but its good enough. The problems we have come from the bureaucracy, doctor have to do insane amount of paperwork and because of this they dont like mandatory insurance patients and prefer private insurance patients for money and less paper work to do because only the mandatory healtcare insurance wants everything documented and dont pay extra money for it. Sry for my bad english^^
Also note the impending doctor shortage in the next decade along with decreasing interest in those applying for med school due to increased costs in schooling and the ongoing student debt crisis.
The fact that insurance exists and has become the norm is simply egregious. How evil can you be to monetize fear?
Insurance is literally the only mechanism to align cost and resources with uncertainty. You're throwing out feelings and emotions. Stick to the facts bubba.
Governments are also a type of insurance against uncertainty and evil. As for why health insurances existed in the USA, it is because when many Americans compare private services with public services, private servicestend to win out. Most people prefer the known rather than the unknown. How many had the chance to personally compare the health services of different systems? We know of the problems this system had. How many politicians had the courage to demand and supervise that we destroy a functioning (and crumbling) healthcare system to replace it with "???????" ? We knew the problem, we knew the solutions. They are easily sprouted but acting on it are close to career-suicide and praising the current system are still a vote-winner in some states.
This is a little deluded. Insurance at its best is a necessary protection against catastrophic events. Of course the healthcare insurance system is problematic but I see no intrinsic problem with insurance. I don't think it is evil to monetize fear either. I think it is evil for the government not to regulate insurance pricing, but insurers are providing a necessary mechanism for risk reduction.
It´s not the insurance thats the problem, its the employer thing america has going on. As a german dude, I am so happy about our healthcare-system. We got a lot of insurance-companies (private and
legal) wich you can choose from. This creates a healthy economy were the insurance-companies want to create the best healthcare possible for as less
contributions (thats what we call the "premium" in germany) as possible to keep everyone happy. This happens because the power is within the people - the employees, not the employer or whatever.
This was the point of Dr. K btw.
Not everything is great in the german healthcare, but it is way, WAY ahead of the US healthcare-system.
@Foken Facher ? State or Federal Tax. ? State or Federal Control. ? Quality control if it came from slow federal central or lack of quality control if came from state fund ? Will there be more tax on meat, sugars, fast food, mom and pop restaurant, to ensure that obesity do not crush the system ? Retraining the insurance employers/expelling hospital administrators ? How are the pharmacies going to react ? How does Big Pharma will fight against this much loss of revenue ?
The objective is clear, the way to do it, who is willing to be the first that fall for it? And tried to continue it after the election if the next president reverse the act because the process take long than 4 years? If there is political will to do it, it will be done. But you have to convince the people who in their entirely lives found that state services are slow, less satisfactory than the ones they directly paid for. And even if you are able to persuade them, you have to fight an all-wars with the profiteers of this mess. Then you have to build your own version that can satified 50 states with different population sizes, different cultures, different economies. How would it look like?
Okay, now when I think about it.. let's say you have to undergo some operation, wouldn't it be cheaper to fly to the Europe and just have it there? I think the cost of the flight would be much cheaper than some exclusive operations.
Look into medical tourism, that exact thing happens all the time
Yeap. happens all the time. I work in tourism with almost only old Americans and Canadians. And we always explain. If anything happens or you think you need any kind of medical assistance. Just go. If it's not free, it's super cheap. Need an ambulance? Probably free or like 200$ depending on your insurance. Don't have an insurance or money? Still don't hesitate! Our government has an emergency fund for people like that and will cover you! Healthcare is guaranteed even if you're a homeless bum.
If we put the question of correct /best medicine aside, the more ímportant question is the Drs withholding info about the disease, what needs to be done by patient vs Dr vs others, what procedure or type of psycho-therapy one is queuing up for really, withholding proper medical conversations with the Dr so that one gets sicker, more exhausted, split, de-realized, alienated,worked up in worse stress/ over-arousal in lack of emotional regulation, which gives unnecessarily worsened and new disease, wíth the risk of new auto-immune ones as well as more decreased quality of life. Unnecessary stress-aggression, fear of the slander in journals,, the grey stone-treatment that is so depressing and weakening, desorientating and dangerous when weakened.
"Our [American] healthcare is a scam inside a scam, within a scam."
-Kyle kulinski, 'secular talk' host
yeah i follow kyle as well
Most educational 40 min I spent on youtube this year.
the benefits of capitalism should never have been integrated into the healthcare system, seeing that these treatments are necessary for the survival of human beings and there should not be people profiting off of our illnesses
Exactly
You know that when he said that an ideal system would be one were the consumer had all the power because he paid directly is also capitalism, right? In contrast, in a socialist system the consumer would have no power at all. You can like whatever system you like but that is not capitalism's fault, is the US fault. No hate here hahahaha, I just don't think it's good criticism.
@@evelioguaperas it's a little more complicated, because the consumer's life and well-being are at risk. If you can control the supply of medical care, you can charge almost any amount, because the alternative is grievous bodily injury or death. There are strong incentives to monopolize that care.
@@issasecretbuddy The same can be said for food, yet you have plenty of it.
People have been shouting of fears of monopolization in a free market for centuries, yet it never turns out to be true.
You only get long lasting monopolies when government is somehow protecting them by eliminating competition.
garbadarb companies cant charge more than what most of their customers can afford. As price goes up demand lowers and as price goes lower demand rises. However they have to meet in the middle where customers are willing to pay that amount. If that company fails to provide, an alternative company can do cheaper higher quality etc. and that will force the more expensive company to lower its price or provide different services
If you had a public healthcare system there would still be som bureaucratic positions created that people from the insurance industry could work in, the difference being that they no longer need to press as much money out of you as possible to appease shareholders.
"Benefits of M4A:
No more deductible to reach
No more premiums
No more out of pocket costs
No more headache over paperwork
No more fighting/calling for insurance
No more worrying about bills and payments
No more chasing the down who you owe
No more wasted time filing claims
No more medical bankruptcies
No more worrying about out of network services
No more being tied to your employer for insurance
Workers have more leverage over their pay, benefits, and work conditions
No more being tied to your spouse for insurance
No more being tied to your parents for insurance
No more being tied down to where you live for insurance
No more dying because of cost No more dying because of lack of coverage
No more medicine rationing
No more worrying about cost of ambulance
No more being confined to which doctors who can visit
Allows small business owners to higher more workers
No more corporations making billions of dollars from people's illnesses
Guarantees coverage to all Americans and at a cheaper cost! "
- Adam Iaccheo, a Commentator
American healthcare fking sucks. I haven't had healthcare since I was 18 and I'm 21. I should be getting on a plan soon due to work. Never gonna use it though cause the deductible is $5,000.
You know - i live in central europe, and pay a LOT of taxes (my income is pretty high). But when i think about it - i love to pay those taxes - i don´t have to care about being fired so much as i would get payed anyway for quite some time. If i go to the Hospital - i go there without any fear of financial backlash because i pay NOTHING at all. Also i didn´t have to fear being shot in school...but that´s another topic. I really think the socialistophobia and the "freedom" fanatism made it so that the USA is a country most Europeans never would want to live in for a longer period of time.
Actually , you are already paying for your health insurance with your taxes but yeah, that's how it should work, anywhere
Watched 2 seconds of this, can already tell the reason. Non-public funded healthcare. Being able to seek medical care should be a human right. Not even Margret Tatcher would touch public healthcare. But in America it's just like any other comodity, the fact that people cannot afford to go to the doctor is a disgrace.
Wow. Everyone says it but I never knew why and it’s makes so much sense.
thank you for bringing attention to this
One big part of insurance systems that can work (but doesn't in the US because the system has actively been undermined) is the bulk purchasing power / effectively, collective bargaining
You say Singapore instead asks each individual to keep saving to spend them when needed. How are costs kept low to the patient in that system?
Sad to see this. Here where I live the employer pays the insurance for you and every citizen has to have an insurance and everyone is equal and you get the help you need if you have let's say a car accident. We also have a whole institution that makes sure the state pays insurance for you if you loose your job. It is true that many things in the Czech Republic don't work 100% right, but we are really safe here as citizens and all the health care is for everyone no matter who you are. The health insurance institutions are able to pay for even the most expensive medications in the world which is amazing (Zolgensma).
Pretty good explanation. I would've really liked to see you continue from where you left off. Explaining different methods of enacting a single payer system. I'm not saying it's the best option but I like how you did so far. It would be helpful to see your illustrations of the various systems side by side.
I’ve been saying a hunch for years: Reject insurance for non-critical care. Doctors visits and non-life threatening emergencies should be paid out of pocket. Insurance should be reserved for catastrophic illnesses. Care providers won’t be able to exploit the insurance system, and healthy employees-rather than insurers-can bank their employers contribution. Furthermore, patients will be cost conscious. It will force care providers to be considerate and competitive.
I'm entirely on board with single payer but I have heard the statistic surrounding administrative costs is misleading, as the majority of people currently on Medicare are older and have more expensive health issues. So with the overall cost being higher, administrative costs will always be lower as a percentage.
The mom allowance game example hit a little too close to home cause when I was a kid and I'd convince dad to let me buy a game he'd always but into my choices and never back down till I went home with a game I'd never play.
"You want Lego Star Wars? No you already have Lego Batman. Buy this shovelware sports game instead cause I want you to get into sports. You want Pokemon Platinum? Pokemon is for kids. You can have this shitty shovelware mini game collection though, the cover looks mature. Sonic Unleashed? You have too many Sonic games. Get this kinect shovelware game instead cause you need to exercise." It's been years but I still get infuriated thinking about it lmao
I live in a country with a universal healthcare system. I cant imagine a life wihtout it. I would be broke as f. I were in a hospital for 4 weeks as a kid and my mom paid nothing. Its paid bye everybody in the country over their salary. Just sad and i feel with the poor families in ur country that cant get the treament that they need. Iam poor my self and i dont have to fear these things even if iam unemployed.
I disagree that the video game industry is a model that the healthcare industry should follow. If someone can't afford the video game they want to play, they shouldn't buy it. Oh well. If someone can't afford the life saving healthcare they need, they should get it anyway.
What a surprise, an american who has a capitalistic view of the medical system. The answer is much more simple. No one should ever have an incentive to do or charge more then needed.
You don't want insurance, you want it all paid through taxes, and hospitals will get the money they need to help people, also hospitals have a limit to what they can pay in salary, that way they can't be exploited for their own gain.
To be clear, most people will not know how to spend their money, they will not know whether something is worth it or expensive. We know what an apple is, we know how much they cost, and we do this with a clear head.
We do not know if an MRI is worth it, we don't know how much they cost, and we only need them when something is wrong. And you as a doctor should know that patients do not know what is the right choice, when in distress. When I got to a doctor (in the medical field), I need to trust them, to know what's best for me, and that should be their only incentive, not to compensate for someone who has no money, not to keep the salaries up or to buy new equipment. I want them to only care about what I need. And like you said, insurance companies shouldn't even be included in this mix.
I know it's not perfect but thank God I'm Canadian.
Single payer is just a better system. There are different types of single payer, I tend to agree with the Sweden style more than others. The for profit motive doesn't work in every market. Education, healthcare, infrastructure, etc.
Trust me Swedish healthcare is a joke. Statistics are missleading, they say it's one of the best healthcare qualities in the world and that's true, however you will have to wait for years to get treatment for cancer.
@@joeyn3590 The media does NOT say single payer is "good" What world are you living in?
Anyway Cuba might be a better choice if uninsured or on-benefits seen costs on doctorcuba. And nearby if any aftercare needed.
Singaporian system, mandatory saving accounts subsidised by the government + basic free care in public hospitals.
*Almost free. It is heavily subsidised.
And jail time for suicide attempt. No thanks man
Who told you it's free? Oh, the government.
lol I come from Singapore and you morons think it is paradise. Where I come from you better pray to whatever god in the universe there is that you do not end up in the hospital. 1/3 Singaporeans get diabetes/cancer in their lifetime.
Don't tell me that it's all rainbows and sunshine. There's a very good reason all the smart singaporeans left for the West to study and make a life here instead.
@@SmoothCode What are you talking about? I'm diabetic and my treatment and medication is heavily subsidized.
Dr. K out here doing the lord's work and educating our asses
Try 75,000 for a 10 minute chopper flight while in the middle of nowhere bleeding out (motorcycle accident). Fully insured motorcycle and through my job. I get to pay 100% since I was (out of network)....... I have worked and payed for premium insurance since I was 15 and never made a single claim..... mind you this was just the flight not the ER bills... Btw pay for ambulance coverage in your area if you can.... I think my ER visit and day in the hospital came in at another 150k.
Hell yeah, I studied medicine in Costa Rica and their healthcare system is really good. Same stuff that your employer makes a contract with the only 2 insurance organizations in the country and then you get the attention. For all the people that say "oh i dont pay anything" and whatnot, remember that nothing in life is free. The medical attention you get comes from the taxes you pay or others, the quality of service might not be as good, universal or immediate sometimes... you issue or ask the patient to get a CT Scan and that whole thing might be delayed for a whole year because of waiting lines. We are also having problems of funding because people without insurace are tripling costs for every hospital... Every system has its flaws, some more than others... one thing for sure, is that US doctors are world leaders in medical research, we all have consult their books or guidelines in our career's lifetime... point for 'murica? 😅
I've been to my psychiatrist every six weeks for a couple years now, and she has not told me anything I didn't learn in undergrad psych classes over a decade ago. It's literally just a game of guess and check with (primarily) SSRI/SNRI drugs, all of which made my situation worse.
Have you ever heard about orthomolecular psychiatry? Worked for me better than anything else. Talk therapy was a joke and SSRI's are basically roulette.
Shit like this is why heads started rolling during revolutions
Take it from someone who works in pharmacy, GoodRx is literally a godsend when it comes to prescriptions and everyone who doesn’t have super good insurance should always always always check it for their prescriptions. Skip all the prior authorizations and get the medicine you need when you need it.
In Norway we get free public health care after 600$ or something. There are obviously defects to the health system here as well and many need to seek private health care bc the state doesnt give enough craps. But like when my dad got cancer we dodnt have to worry about finances on top of it all so I really think fundamental healthcare should be free/low-cost worldwide
We know its a bad system but we need to know how to fix it.
Healthcare should be "free" or largely subsidized, much like the Western European countries. However, Americans are indoctrinated to believe anything that exists outside of capitalism is extreme communism. Problematically, we also have enormous amounts of debt due to how our higher education system is structured and we spend TONS and TONS of tax money on national security/defense. The culture of America is heavily entrenched in war, guns, etc. (see the 2nd amendment, which people vehemently defend) to the extent that I don't see how this could easily be changed to levy taxes for other things, such as better welfare systems, healthcare, or education. Oh well, guess I'll move to Canada, the U.K., or some Nordic country 'cuz I doubt I'll see these changes in America until I'm on my deathbed since these issues are (IMO) more representative of the cultural beliefs here.
Oligopolys are not free market. It's sad that so many Americans are brainwashed to the point of even defending monopolies.
Although i believe u started out as fake it till u make it style, u truly have the mental and knowledge. Maybe u were never faking it but living it into life.
I realize you were trying to avoid political discussions, but I would really like to hear your take on how socialized healthcare would work if implemented in the US, which of these problems it would/wouldn't solve, what new problems may arise, etc.
It isn't socialised heathcare. It is universal healthcare.
Don't use that murican slur.
Coming from a 38 year old that has spent thousands of dollars at the doctor/psychiatrist trying to get mental help.
What mental healthcare?
I'm an employer & manage the benefits for a 10-person sized videogame company. I'm totally going to steal all of these gamer explanations to explain health insurance lol.
But yeah, I don't know how new businesses can survive with insurance rates as high as they are, the bulk discounts aren't great at our size. Also what's insane is how much insurance costs increase year to year. It's compound interesting at such a high rate, I don't know how this can keep going on :/.
And this is why my family has no health insurance. 😐
What is insurance is right for me? I'm 36 never been to the hospital except for auto accidents that were not my fault.. Luckily I'm prior military so insurance isn't required
Very good summation of a really screwed up, and intentionally complex system, the also essentially isn't optional to the customers.
In Australia, we have a system which is essentially free, or at least subsidised by the Medicare, which is funded by tax. You can only use this though, for certain things at times and depending on how much you earn and stuff, but still covers most public healthcare resources and pharmaceuticals. That way everyone gets access to health care, and generally useable on more things that private health insurance allows. Even under a poor governing party (FUCK THE LIBERAL GOVERNMENT! VOTE LABOR! So much money going to healthcare has been cut by the former government party, while the latter governing party wants to increase it, which it could), our healthcare system is still pretty good. Overall it's cheaper and more accessible in comparison to the American healthcare system
Healthcare Triage: ua-cam.com/video/ylsO0VVy29U/v-deo.html
CNBC: ua-cam.com/video/X9XZcgFZdi0/v-deo.html
Here is a comparison between the American and Australian healthcare systems> This is quite entertaining too, imo. Subscribe to FriendlyJordies
FriendlyJordies: ua-cam.com/video/RAINLnh9tdI/v-deo.html
ua-cam.com/video/R_8HS1iVeIA/v-deo.html
Our system isn't perfect, but it's closer to it than many other contries.
Side note criticism: potatoes actually have a lot of vitamin c and, imo, are more nutritious than apples.
There should be trust established between the doctor and client before you have to commit to an insurance plan or are charged any money.
High Prices for substandard care. The US Medical system is not unlike a cartel when it comes to prices.
America is the leader in Medical innovation.