Why Healthcare Costs Are So High in America

who's "we"? got a mouse in your pocket? vote.

Then vote out the warmongers.

price gouging.

Nothing better than an 18yr old eager little who re.

@facepalm486 stop being afraid.

This comment needs to be up much higher...

Finally a constructive comment. Thank you!

@@AbcDino843 The last few sentences contradict half of your posted views on this page. The American health care system is a big business scam. A handful of degenerates are making boatloads of money off of your suffering.

Ah yes, the richest country in the world, where upon going to the ER you have to ask them to pull up the list of charities LMFAO I'm dying

@@dantherman4202 yes, if you happen to need charity. That's essentially what nationalized healthcare is.

That's terrible, hope she's ok , all the best

America is sick.

Even when I had health insurance I still managed to accrue roughly $300,000 in medical bills. I literally filed bankruptcy on only medical expenses.

Either way you are paying it with your taxes in the UK...if i am middle class i am paying 40% more in taxes (for me that is 15k in taxes annually), my last bill for a minor surgery was $700 (private insurance paid $30,000)...If i could choose between paying $700 once every 10 years or 15k every year i would choose the former. If you are poor and do not pay taxes, then obviously the UK system is better for you since someone else is shouldering the burden of taxes to allow you to have that surgery. If you are middle class, USA is the place to be.

@@sew_gal7340 Except the US system is extremely inefficient so the per person spend on healthcare is far higher. Also, your once every 10-year health emergency is likely to cost you an awful lot more than $700. I'm sure that private insurance wasn't cheap.

@@sew_gal7340 The UK Central Government funding for the National Health Service is about £180 billion there are about 67 million people in the UK. A proportion of our taxes called National Insurance goes towards the National Health Service so we pay about £2,800 per person per year for our healthcare for full coverage and no out-of-pocket expenses. I pay 20% tax and you don't pay tax on the first $14,850. As I explained above this includes healthcare full coverage for myself and my family. I have 3 neurological conditions, a congenital heart defect, and a thyroid condition. I had a pregnancy with complications and many other things along the way. I have had decades of treatment and have been under the care of many Specialists and Consultants including a Cardiologist, Cardiothoracic surgeon, Neurologist, Neurosurgeon, Pain Specialist, Audiologist, etc. Decades of MRI/MRA scans, CAT scans, echocardiograms, ECGs, 24-hour heart monitors, surgeries, procedures, doctor call-outs to my home day or night, ambulance call-outs, hospital stays, ER visits, urgent care clinics, physiotherapists, X-rays, broken bones, hearing tests, blood tests, ultrasound scans, antenatal care and postnatal care, and a whole lot more. Not to mention all the healthcare from my Primary Care Doctors, health checks, and annual screenings. The cost to me is £0. I pick up my repeat prescriptions from my Pharmacy every month and pay £0. Medications are free for many health conditions. Medications are also free to Children under 18, People aged 60 and over, People in education, Unemployed People, Pregnant women and Postpartum, and People who can't work due to illness and disability. For People who do pay for their medications, all prescriptions are £9.65 All forms of birth control are free as are all vaccinations. My parents get their free monthly repeat prescriptions delivered to their home every month for free. I had COVID last year and recovered but still had chest symptoms. I called my Primary Care Doctor in the morning who came out to see me that afternoon during his home visits. He examined me and prescribed a 5-day course of Antibiotics to treat a chest infection the cost to me was £0. My uncle had a heart attack this year and needed a valve replacement after he was discharged from the hospital Specialist Cardiac nurses visited his home daily to aid in his recovery. After being discharged from the hospital women and their newborn babies receive their first 2 weeks of postnatal care at home midwives do daily home visits. Unlike Americans who are restricted by their Network, I am fully covered I can choose and go to any Hospital, Consultant, Specialist, Surgeon, etc in the entire country. If I stopped working tomorrow absolutely nothing regarding my healthcare would change. In the rest of the developed world healthcare is a human right that people have the same access to regardless of whether someone is in employment or not.

The US isn't free market, and the above comment said it correct, government healthcare is expensive low quality prepaid care, the workers are lazier because they get a guaranteed paycheck and they aren't accountable to you the patient. Imagine paying tens of thousands a year into a system and when you finally need it, they treat you like a number, or just offer you medical assisted dying. Chronic Lyme disease will end the cronyism

@@sew_gal7340 in the US you also pay for healthcare with your taxes. It's even higher cost than in the UK if you look at the per capita health spending.

America is a joke.

I'd rack up as much debt on every possible credit card I could, take out loans and then move out of the country.

legalize all drugs, get rid of doctor licensure, and turf ownership in hospitals. and abolish the FDA. Remove intellectual property laws. We will then have the least expensive care in the world.

@@kingkong1040 not that easily sadly. youd have to have a good plan to dissappear

@@TheGoreforce or you could just do a mixed or single payer system like most civilized places instead of this ridiculous shit youre saying.

thats insane.

jeez man. Sorry to hear that. The idea of a situation like that terrifies me

Wtf

AFTER insurance? This is terrifying. Is it really like this in the US or am I missing something?

Just curious, what type of insurance did you have?

Oh, you noticed that too? We have commercials for everything in the US, even drugs! It's like they're competing for the title of the catchiest side effects. It can be pretty entertaining, I must admit. But hey, at least we know all the potential solutions to our imaginary medical problems now!

Its annoying!

You're absolutely right, this issue 😔 does require more attention and thorough discussions. It's important to raise awareness and ensure that people are aware of the seriousness of the problem! 💪🌍

People already know the system sucks. No'one is willing to stand up to better it.

I wish more people were like you. I have a friend who has been a programmer for an insurance company for like 4 or 5 years now. He has automated like 40% of jobs at premera and they are making shit tons more because he brought them into the 21st century. I always joke he works for the worst people ever and should take it all down because he could if he wanted to. That company is a monopoly but when your incentive is a lot of $$$ people will do anything sadly.

The problem is you though, if insurance employees stood up and picketed they would think about change but you make it possible for them to gouge citizens

Everybody I ever talk to in the insurance sounds as exacerbated, frustrated, and confused as I am when I call them for help. Insurance in America is a frucker clust.

@@Girtharmstrong69 That is not really true. They would outsource the jobs to some poor foreign country to do the same thing. And because those people are starving and need to work, they would gladly screw over Americans for a chance at a better life.

@@Girtharmstrong69 him and the workers aren’t the problem it’s the fact that it’s part of the law which he has no control over. Hence it’s the government fucking shit up once again and here you are blaming this guy who agrees with everyone that the system is shit

Wtf

A couple of years ago I went to one of those emergency clinics because I started having intense lower back pain and didn't have insurance. They said we think you have a kidney stone you need to go to the ER. The hospital was a block away. You could see it from the clinic. They put me in an ambulance for 5 minutes to the ER and it was $1600.00.

I was seeing this Finnish girl who told me about her ex's grandma, who lived in a town near the Norwegian border. One day she needed an emergency trip to the hospital, so a nearby Norwegian hospital sent her a helicopter and it was either free or something like 30 dollars (in Norwegian currency). Here in the US, we'd rather spend our money bombing brown people and playing with our toys in the sand, as late George Carlin said, may he rest in peace.

Please tell me u didn’t pay it since he died there after. Especially since it wasn’t your bill in the first place.

​@@nosawggg isn't medical debt passed down to children?

Dude, just don’t pay it. Don’t stress on it just don’t pay lol. Fuck all that shit

@@Bigf00t100as a single man I agree but for people with families that’s a little too tricky. I have no idea how much I owe those bastards but all I know is that those billing envelopes make pretty good kindling for my little campfires.

Just pay like $10 a month and if they try to push you, just tell them that’s all you have

@@ThePalmettoProletarian I get it. Trust me but in all honesty how I’m the hell is anyone going to pay off 20-30k I’m debt. That’s some people’s yearly salary. When I got COVID, I had lost my job along with my insurnace and needed to go to ER. All they did was a simple blood withdrawal and told Me to go home and take Tylenol. Was there for like 3 hours TOTAL. Nothing major. Got the bill a few weeks later 22k. I literally laughed and threw it away and never paid it. They sent me some collection shit a few times but overall they just stopped coming. This ain’t the first time I’ve neglected hospital bills, sue me. I don’t have shit and I’m not about to spend my life and energy making money to pay off this ridiculous bill. That’s outrages. The system is broken, don’t sweat it man, just ignore it and don’t pay. Luckily it doesn’t affect your credit so it’s cool

That’s like 20 bucks here in Taiwan lol

You shouldn't never taken that job dude. What do you do for a living?

@Chris Lyle rather not get personal here but know that this was private health care. I work in a freelance industry in nyc that generally doesn't have great benefits. Also my wife does not work.

>not having kids 😂

Also gotta understand the hospital bill was likely what 5x that? Even your $500 a month won't touch $50,000 for quite a long time 😂... Insurance isn't the issue, cost of Healthcare is

you can thank the 'AFFORDABLE care act' for your great options on the open market. Your choices: high premiums and high deductible, or nothing

Medical bankruptcy is one of the most inflated claims in the US to generate hype for political purposes, while not having a very significant influence on bankruptcy filings. Bankruptcy filings are a result of multiple factors, and medical bills are nowhere near the top factor according to all the data I have studied. For starters, Elizabeth Warren’s cherry-picked study went to 2005, where there were only 1.45 million bankruptcies filed in the whole US including Chapter 7, 9, 11, 13, and 15. Only Ch 13 is for wage-earners, while Ch 15 represented the largest % of filings. The study expanded the parameters to include if people had missed 2 weeks of work due to sickness, had medical bills over $1000, and mortgaged their home to pay for bills. If bankruptcy filers fell into those categories, it was listed as "bankruptcy due to medical expenses", even if that wasn’t true. That’s less than half a percent of the overall population who even filed for bankruptcy. By adding those parameters, they fudged the data to indicate that 61% of the filers filed because of medical expenses. Another study in 2011 found that only 26% of Ch 13 filers said medical expenses played a role. Some studies said 57.1% while others said more people filed bankruptcy for medical expenses than overall bankruptcy filings, which is egregiously flawed. Not only can’t all Ch 13 filers be due to medical expenses, but Ch 13 can’t exceed all of the types of Chapter filings due to the dominance of corporate and foreign businesses filing bankruptcy each year. Ch 13 is only 27-38% of bankruptcy filings each year. Another thing is that personal bankruptcies are not a constant Y2Y. Personal bankruptcies peaked in 2010 at over 434,000 after the financial crisis, then dropped dramatically down to around 299,000 in 2016, 289,000 in 2019, and 194,000 in 2020. Chapter 13 Bankruptcies in US Year to Year 2008: 353k 2009: 398k 2010: 434.8k 2011: 417k 2012: 375k 2013: 343k 2014: 313k 2015: 302k 2016: 299k 2017: 296k 2018: 288k 2019: 289k 2020: 194k 2021: 117.7k 2022: 149k (.05% of the US population) Anytime someone presents a claim, automatically question whether that claim is even accurate, then do the research and understand the basic math. In the case of medical bankruptcy, it’s an extremely inflated piece of hype used by proponents of massive change to the overall US system, with no numbers to support it. It’s sensationalist hype really.

Damn, 10 minutes of CT scans? That's like a couple of atomic bombs going off in your body giving you harmful radiation.

@@LRRPFco52 according to a 2019 study published in AJPH, 66.5% of all bankruptcy filings were due to medical issues. An estimated 530,000 families turn to bankruptcy each year because of medical issues and bills, the research found.

@@LRRPFco52 Not really the main point but I apologize if that term was misleading, I'm sure your figures are correct. The main thrust of my post was the absurdity of medical costs and the stress it places on Americans, financially and emotionally.

@@skatetoexplorevideos2477 LOL 10 minutes in the room, maybe 15 seconds of scan. Thanks for the laugh, that was funny.

46th in life expectancy.....makes you wonder what we pay so much for if the health care service doesn't even really keep people alive.

​@MaxB that's not the fault of Healthcare, that's the fault of some 50% of Americans gorging themselves with food.

​@@sowososmooth False. The USA ranks 54th in Healthcare Quality. We have the most deaths caused by Drs. We are the highest in infant mortality in the industrial world! We are 12th in cancer treatment.

@Trevor Dylan Absolutely none of that addressed the very serious obesity epidemic within the US or even tried to compare the number of medical fatalities to the number of deaths caused by excessive over eating. Try again.

@@sowososmooth Your point was 100% false. You made an objectively false, and incredibly stupid comment. I corrected you by showing how Healthcare quality is the reason Americans die. Educate yourself if it embarrassed you.

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Agree, the erosion of societal values in this country is partially to blame, along with corrupt govt and corporatism. Those things have greatly distorted the industry, and led to todays corporate culture of profits before people in medical.

Why would doctors run the hospital? If doctors run the hospitals, who is going to treat patients? It’s like saying how come astronauts don’t run NASA? Btw the hospital I go to is run by MD who is now the CEO and is no better or worst than any other hospital.

@@nepaliyuva408 He's saying that doctors do not make care decisions as they used to. Instead, they are now made by business executives who are not connected to the people, treatments, or medical decisions. Our healthcare system in America isn't even a free market like some claim - it's heavily restricted corporatism supported by the government. So no one faces any real consequences for their bad corporate decisions. It's why almost every industry has worse quality. Those corporatist types are vultures who rarely add value.

@@scratchpenny recently my mother passed away after 1.5 year battle with terminal Illness. We went through multiple hospitals and multiple doctors and at no point hospital executives were part of any decision making in terms of her care. At high level I can see they are making business decision but that should be no different in any point in time in history. Provide data that shows hospitals executives are making more decisions today than in the past in terms of treatments. Hospitals are businesses at the end of the day. Businessman should run business and doctors should treat patients. Politicians should do politics. Last businessman that tried politics is indicted of paying off porn star.

High costs have less to do with insurance companies than health care providers themselves. In any other industry, its illegal to charge different rates for the same testing and procedures, purely depending on the customer. Instead, we have hospitals who will charge as much money as each health insurance company can afford. Thats the racket. And hospitals are able to hide this by claiming that the prices they charge each individual health insurance company are TRADE SECRETS. The stupidity of this argument is beyond belief, and the only thing worse is that politicians accept that dumb legal argument in exchange for regular political donations. Every single hospital and health care institution should be legally required to disclose publicly what they charge everyone, so that insurance companies stop being overcharged, which just leads to the insurance companies passing the costs onto policy holders.

Do the people that cannot pay go bankrupt?

Wouldn't more be able to pay if the price represented the cost of treatment?

Continually raising prices because only a small percentage can pay will only continue to make the system worse. Hospitals are a business focused on profits, and profits are made from acute health problems. Our medical system is not focused on prevention, but as you said, fixing broken bodies. We need a total overhaul that isn't so focused on bottom-line profits. Preventing 1,000 people from getting cancer brings in a lot less money than treating 1,000 people with cancer via hospitalized treatments, for example. Not painting you personally as the enemy, but this is just my perspective.

ALWAYS ask any nurse, doctor or staff who set one foot in your hospital room if they are "in your network"? If not they WILL take your house and every $ you have. I have seen it first hand. Be vigilant....

@@hugosalinasaliaga5266 homeless people don’t file bankruptcy. At my ER, almost every night a whole wing gets flooded with homeless who will make up any and all illnesses to have a place to stay for the night. 35 bed ER, at least 10 beds a night are homeless. Someone’s paying for those beds, and it ain’t them.

The UK shits on NZ's health system. Our health system is falling over fast.

Absolute bullshit. My mom was a Dr in Toronto. My wife is from Canada. Also I have read the WHO reports. The average wait time in Canada compared to US for surgery is 9 days Canada 8 days USA.

@@Yourmomshousemyrules It's not absolute bullshit, healthcare in Canada is all about waiting lists. For serious immediately-needed surgery maybe you can get in quick, but god forbid you get sick. I've been on waiting list after waiting to get into a sleep study for about a year now. I'm basically not sleeping at all and can't function during the day whatsoever because I wake up choking many times a night but the system doesn't see it as urgent. All specialists have minimum several-month waiting lists and once you get in, they usually do some incredibly half-assed 3 minute lookover and send you back out the door with no answers and you have to make another appointment with your GP where he puts you on another many-month waiting list (sometimes to see the very same unhelpful specialist again). I'm 26. I have had as-yet undiagnosed chronic health problems since I was a child, which have prevented me from finishing school, getting a job, or even having a basic social life. (This was greatly worsened by the two shots I got in 2021, which is a huge problem because our healtcare system is incredibly resistant to even acknowledge that possibility, so even talking about my health problems with professionals is a constant uphill battle.) I've spent basically my whole life on waiting lists and never getting any real answers about my health problems in between. (And plenty of wrong answers/psychiatric pill pushing which made things worse.) The only doctor who has started to make any real progress with my health problems is a private naturopath which my parents started paying thousands of dollars for over the past year. TL:DR it's nice that kinetic injuries are dealt with cheaply and quickly in Canada but everything else that you might want from healthcare is pretty much a write-off. A mirage intended to make healthy people think there will be help if they ever get sick.

@@Yourmomshousemyrules right that’s why BC cancer patients are being shipped to Seattle

​​@@cerebralm "I have a litany of health problems, so I went to a pseudo doctor instead of getting a genetics test" Move, then. Go be with the Americans. You can't work but mommy and daddy can fork out money for you. Must be nice. Most of us can't leave even if we wanted to.

The moment you open the gates for private enterprises to get a piece of the pie, that’s when prices start to go up and not just for the private sector but for everybody.

Yay capitalism! Those hospital/insurance execs are laughing at us.

dont pay it, I wont...out of principle (but I can't afford my medical bills either....and im only 28)

@@svyatoyaleksnevskiy If you think the hospital system, or anything for that matter, operates on the economics of capitalism than you might be a dumb Russian.

I agree with the other comments. F paying that Bs. If anything pay them a $5 dollars a month.

God bless America lol

How I feel

Aye

Like the 'olden' days

The more I see the results of people who turn themselves over to the medical system, I think you’ll be better off not going to the doctor……

@@jetsengoytredkl I agree! I was a CENA for 16 years. I saw alot.

I completely understand your frustration. The costs associated with healthcare in the US can be overwhelming and difficult to navigate. It's unfortunate that many students choose to forego health insurance due to the additional premium costs, only to find themselves facing hefty bills when unexpected medical situations arise. Additionally, the lack of transparency in pricing for healthcare services, such as MRI's and X-rays, makes it extremely challenging for individuals to make informed decisions and seek affordable options. The system definitely needs some improvement to ensure more accessible and affordable healthcare for everyone.

It's refreshing to hear about professionals in the legal system who go above and beyond to serve their clients. It's great that they were able to achieve such a positive outcome for you, resulting in dropped charges without any additional penalties. Their intelligence, hard work, and commitment are definitely commendable.

If you’d been a European citizen that bill would have been 10 euros.

In India, that would easily be done within 5 dollars

Then factor in paying insurance $500 a month just for the privilege of having access to healthcare. The healthcare act in the US is a scam that was somehow made law. Required to pay for health insurance? What the actual? Meanwhile, in socialist countries like the UK, you can get cancer treatment for next to nothing. Oh well. The US needs to pay for all those drones and aircraft carrier battle groups somehow.

The public health care in Portugal is dogsht, I'm portuguese. Some people die while waiting for a measly appointment. More than half of our population has a private health insurance plan because they don't trust the public health system

Sorry I’m not American and I’m from a country with universal healthcare so this idea is honestly hard for me to grasp. But one question, how the effing even with insurance that you still have to pay that much in America? Then what is the point of being insured then 😭

legalize all drugs, get rid of doctor licensure, and turf ownership in hospitals. and abolish the FDA. Remove intellectual property laws. We will then have the least expensive care in the world.

Why do we compare ourselves to just Canada? Why not France or Italy, which have been rated number one (or top 3) a number of times. The problem here is the focus is for-profit and not care. Look up “dollar bill” McGuire, he made billions and paid his employees bonuses to find ways not to pay for people’s care (even life saving care that was needed). Also we aren’t number one in quality, that all depends on what specific care we are talking about but often we aren’t.

was the trip to mexico included in the 3k?

My dad had that and the military took care of it for free because he was a retired military veteran. However, Clinton and Obama cannibalized military benefits so if dad was still alive, he would have had to pay.

@@GhostSal Health care in Japan is stellar. If I recall correctly, $25 per month covers everything including major surgery. I have several Japanese relatives and they are appalled at the health care costs in the U.S.

Lmao lucky bastard

Same with Taiwan

Same in India

These SE nations are not the 3rd world countries many Americans look down upon, but America itself in many areas resembles 3rd world. Great move. We too call SE Asia our second home

Average salary in Vietnam is $18k, compared to $50k in America. That applies to everything else like housing costs.

Free market capitalism, baby.

in Europe ???? not true !!!!

@@elmadehner i was in europe the company was based in Anchorage but we worked w hospitals all around the us

@@lipcsaiify Anchorage, Alaska

where in Europe ???I am in Germany, in Hospitals, you may be paying 10 euros per Day , if you call an Ambulance also 10 euros or nothing if is ....heart attack or life life-threatening issue. All other exams and treatments are paid for by health insurance. Private Insurence is little diffrent

where in europe@@lipcsaiify

So sorry you had to go through that man

That’s bullshit

1.3 is crazy

How much was it after insurance?

Would've been a hell of a lot cheaper without insurance.

Kind of doubt you can just walk in and get treated as a foreigner. In Canada for example I don't even think you are covered across provincial lines. You definitely won't be covered if you are a foreigner visiting Canada.

@@ancillarity Treatment is free for anyone that needs it in most developed countries. No questions asked; just walk in.

Foreign dignitaries, members of parliaments, wealthy, and even cartel bosses come to the US for procedures they can't get in their countries. Your post sounds like some propaganda from a Russian bot farm, to be honest. I and my family have gotten Healthcare or procedures in the US and Europe. Public NHS in Germany, Finland, Sweden is trash so if you want fast results, you go to the private sector there and pay $100/15 minutes, otherwise you wait in the public hospitals forever.

@@kcw1879 you are so naive lol

I have an American friend who worked in England. After several visits to a hospital, and many misdiagnoses, she was finally diagnosed with cancer. The doctor told her to go back to the states where she had a chance to survive. "Free" unfortunately has a cost and impacts quality.

I had the same type of situation I got a 3k bill for just laying there with a really bad stomach pain I paid them NOTHING and never will it’s been 13 years the hospital I went to shut down

Wow that’s ridiculous. I wouldn’t pay for that. If anything I’d send them $1-5 dollars a month. Also you didn’t have to go. They lied to you. I’m pretty sure they can’t force you to do anything. Unless, you were going to harm yourself or others. Otherwise, they need a court order to take you to the hospital.

Can you prove you were forced?

The numbers are super made up . That's also why it is so hard to get a price before hand too. I never understand how that is legal. Ive had offices tell me and this is knowing what insurance i have that we dont know but youll get a bill after its billed..... Bitch i need to know now cuz i need to know if im gonna be able to afford food for the next 5 months or not

This almost happened to my mother when I was growing up. My older brother told them we would press criminal charges for kidnapping if they took her. She was fully conscious and protesting. They acquiesced and backed off when he said that.

Holy frick? We are lucky here in canada

@@fergalfarrelly8545 we just need to figure a balance between affordability and quality.

@@fergalfarrelly8545 ehh your system still has its disadvantages.

​@@diyside Americans don't want that because that's socialism.

Without a doubt. There’s no justification for what we are getting charged for this shit. I spend $7000 a year on insurance for myself and my daughter and have to spend $6000 before it kicks in. I could drive a fucking Porsche for what I pay these cocksuckers. How this country hasn’t burned down the White House in relation to this is beyond me.

Insurance is a ridiculous concept. It's nothing but an excuse to inflate price. You get rid of the insurance system tomorrow, all services will suddenly be billed at operating cost which would 100% be affordable to just about everyone.

The rich have health insurance. We don’t. Yet we pay what we only have, so we can never go after them.

Find a good chiropractor. One that can take you in an emergency as well. Much cheaper than the ER.

@@aPpiknik I didn't know chiropractors take emergencies

Isn't that how is supposed to be though. That's how it works here in KSA too

@@whodidit5761 I think they’re talking about the cost. Yes we can do this but most people CAN’T and WON’T bc of the costs.

​@@trippinatormachine Exactly, but that's the point. The actual cost is practically nothing, but what we are charged is outrageous. My chiropractor is where I go if I need an xray. 60 bucks for a series of 6 x-rays. The Urgent Care 260!

@@Yourmomshousemyrules Right that’s my bad. I should have been more clear. Thats what I meant when I said “cost”, the actual amount they charge you.

Similar experiences in Taiwan & Thailand

you are wrong , im brazilian too, we do have many problems, things could work much better, but on average its not useless bad, your case is very specifical, you were about to die

That's the saddest story I have heard so far! In China, a fever won't make you bankrupt nor would minor injuries. However, cancer would make you bankrupt. I couldn't believe that the healthcare system in America is so shocking! 😢

no doubt

but muricans have guns to defend against the evil goverment.... looool

Medical bankruptcy is one of the most inflated claims in the US to generate hype for political purposes, while not having a very significant influence on bankruptcy filings. Bankruptcy filings are a result of multiple factors, and medical bills are nowhere near the top factor according to all the data I have studied. For starters, Elizabeth Warren’s cherry-picked study went to 2005, where there were only 1.45 million bankruptcies filed in the whole US including Chapter 7, 9, 11, 13, and 15. Only Ch 13 is for wage-earners, while Ch 15 represented the largest % of filings. The study expanded the parameters to include if people had missed 2 weeks of work due to sickness, had medical bills over $1000, and mortgaged their home to pay for bills. If bankruptcy filers fell into those categories, it was listed as "bankruptcy due to medical expenses", even if that wasn’t true. That’s less than half a percent of the overall population who even filed for bankruptcy. By adding those parameters, they fudged the data to indicate that 61% of the filers filed because of medical expenses. Another study in 2011 found that only 26% of Ch 13 filers said medical expenses played a role. Some studies said 57.1% while others said more people filed bankruptcy for medical expenses than overall bankruptcy filings, which is egregiously flawed. Not only can’t all Ch 13 filers be due to medical expenses, but Ch 13 can’t exceed all of the types of Chapter filings due to the dominance of corporate and foreign businesses filing bankruptcy each year. Ch 13 is only 27-38% of bankruptcy filings each year. Another thing is that personal bankruptcies are not a constant Y2Y. Personal bankruptcies peaked in 2010 at over 434,000 after the financial crisis, then dropped dramatically down to around 299,000 in 2016, 289,000 in 2019, and 194,000 in 2020. Chapter 13 Bankruptcies in US Year to Year 2008: 353k 2009: 398k 2010: 434.8k 2011: 417k 2012: 375k 2013: 343k 2014: 313k 2015: 302k 2016: 299k 2017: 296k 2018: 288k 2019: 289k 2020: 194k 2021: 117.7k 2022: 149k (.05% of the US population) Anytime someone presents a claim, automatically question whether that claim is even accurate, then do the research and understand the basic math. In the case of medical bankruptcy, it’s an extremely inflated piece of hype used by proponents of massive change to the overall US system, with no numbers to support it. It’s sensationalist hype really.

Stop voting for right wing policy and conservative/republican politicians, because they will ruin your country.

@@LRRPFco52 stop spammign this bs around acing how much u know about thing. its like joe rogan. focus on totally wrong points

The system is set up to be a swamp, no president could fix what got them there in the first place

I had a mrsa infection in my leg, 8 days in the hospital, i had 3 meals a day, 1 injection of pain meds, 1 of a blood thinner, and antibiotics. Thats it and i got first bill and it was 5k and i was like ouch, then more poured in and it ended up being almost 40k. My mom needed a liver transplant and it is a minimum of 500k , they wouldnt even put her on a list cause she didnt have funds or insurance to cover it. She got to see her grandkids a total of 2 times before she died.

Those inmates are the equivalent to ATM's for the Prison system. Taxpayers footing the bill, to keep them alive...

Yoooo you went to the ER for a panic attack hahah

@@spacebound2195 never had a panic attack personaly, but i could see how someone might not realize what was going on, could have easily been a heartattack. One of my jiujitsu students thought they were having a panic attack so they had a couple beers to relax and turned he had a blockage and had a heart attack. Luckily he survived.

honestly bro the quality of life has dipped so badly in america from awful policy seriously thinking of moving my family to a better country

Is this cost in line with other SE Asian countries? And did you have health insurance while there?

@@mohamedalkaboom I do have medical insurance. The total billed amount was 4k, I paid less than $600 out of pocket. I am unsure of other countries, but would look into it if you are looking to have a procedure. Thailand is billing itself as a medical tourism destination now.

@@justinpeepee8454 thanks Justin. Only curious. I was also hospitalized in Manila a few years ago with a stomach problem while I was marrying a local there. It’s good to know how foreigners handle medical there, as wife and I will be spending part of every year in Philippines

@@mohamedalkaboom its about the level of red tape/regalation

He is right about having the best healthcare in the world, if you can afford the best place. My father is battling cancer, almost wants to give up on treatments to save our family from the financial burdon. Has been doing chemo for about 3 months, he is down about 30 lbs and weak. He fell the other day. And debated going to the ER even though he had hit his head on the concrete, and had a lump on his head, and his arm was all bruised up, and he was having trouble straightening his leg. And he kept saying "it would cost too much, I don't need to go." Even with insurance it's still stupid how much any form of Cancer treatment or emergency medical treatment.

I agree with alot of what you said...but yes as someone who just discovered this crap called specialty clinics for chronic issues and the refill hassle with that beingnmore than the normal situation. Im convinced the refill scam with psychs is simply so they can billa visit lol

@Ryu rc hope he pulls through, mate.

both are important.

@@ryurc3033what’s your cashapp brother?

Congrats, you shoveled the cost of treatment onto others

Imagine if we had some kind of regulatory body that actually functioned and reigned in fraud and abuse against consumers by large corporations. Oh well, maybe some day.

My US friend said the same, but having to negotiate and worry about the cost at such a time with a loved one is, insane and wrong

It's just as easy, if you want a treatment, get a doctor degree and get your treatment on your own. Saves alot of money

Or they could put a lien on your home

Wow, frightening

Your child is very lucky to have a father like you

Just stab my spine bro

you're a good and vigilant father. That hospital probably knew about the spinal tap guidance but were doing it anyway to milk insurance $$$. Happens all the time in healthcare--they run the gamut of expensive and unnecessary tests

Consider reporting them to your state medical board

I've had babies, surgeries, numerous hospital visits etc. in Australia and it cost nothing. Pretty decent care too although there are issues like anywhere else. There's still a private system for the picky people too

A question from ignorance, I am from Spain, here our healthcare was always public, in case a person cannot pay the cost of an operation or something similar, what happens?

@@menda3682 Cada caso es único,dependiendo del estado,el seguro médico(si tienes uno),el hospital donde fuiste atendido. Se te podrían dar plan de pagos a largo plazo o descuentos por demostrar que económicamente se te hace imposible pagar. Pero a la larga de alguna forma u otra tienes que pagar algo. Si no dependiendo donde vives esa deuda puede pasar a tu récord crediticio y arruinarte porque nadie te va a hacer préstamos o darte tarjeta de crédito por esa mancha que tienes. También podría pasar que esa deuda se la vendan a una agencia de colección de deuda y esos hijos de puta te harán la vida imposible hasta llegar a un acuerdo de pago.

Healthcare costs are high as a result of government interference in the market. So, yes.

Our medical system owned by American Oligarchs in search of outsized profits...

@@docsavage8640 You obviously didn't watch the video where they clearly state why the costs are so high. Corporate greed. Obviously we need more government to interfere.

@@Jamesmyboy1 we know why they're so high. Americans are unhealthy and the private side has to subsidize the public side

@@Jamesmyboy1 do you really want the same government that manages the post office in charge of your medical care???

I would recommend looking into a credit repair company.

also don't listen to the credit sharks, they can't actually take everything from you, home/car are mostly protected, contact a lawyer and make a unified debt plan.

Might not mean much but I hope everything falls into place for you, and I'm sure it will. Have you thought about looking at employment around Europe? I'm sure your profession will have opportunities out here where you won't be held back by your credit score in the States. I had to do something similar when I was going through a rough patch and a move to another country helped me with a fresh start and a clean file. Good luck!

Little late to bring this up but you should have had 30 days to sign up for COBRA to extend your insurance. Did anyone tell you that?

@@youngatheart7106 COBRA!!! That's it!! I couldn't remember the name of it. Yes, I was informed but it was SO very expensive just for the short time between jobs, and since we were young & not going to be traveling anywhere we decided to just wait for the coverage we'd have in just over a month. Like I said originally, big mistake. Those few thousands of dollars invested for that 0month of coverage would have made our lives go in a completely different direction.

James Dozier feels just like the gold rush in california... once money is to be made, all the cockroaches comes in to profit off us! people will always get sick, so each industry found a way to leech off us!!!

It's all admin fees. I'm not exaggerating when I say that hospital bills are inflated up to 30x JUST because insurance. 1) they know they'll pay whatever they're charged and 2) the hospital has to hire thousands of admin staff to work with insurance companies for billing purposes. Those prices simply get passed on to you. And then insurance companies, will do everything in their power to NOT pay it. I had to deal with an insurance company over an ER visit for damn near 18 months before they finally paid it after I threatened to get lawyers involved. By the end of the ordeal, I had paid more in my monthly insurance payments than they paid out, and I spent hours of my own time on the phone with the hospital and them. Had I not been forced by the government to have insurance, I would have just paid the bill out of pocket, and it would have been cheaper.

And mass migration you can expect free healthcare if you have a border that has a million people coming in every year.

And yet the vaccine companies made billions in profits, but are not paying out anything to the hundreds of thousands of vax injured people.

Why do we compare ourselves to just Canada? Why not France or Italy, which have been rated number one (or top 3) a number of times. The problem here is the focus is for-profit and not care. Look up “dollar bill” McGuire, he made billions and paid his employees bonuses to find ways not to pay for people’s care (even life saving care that was needed). Also we aren’t number one in quality, that all depends on what specific care we are talking about but often we aren’t.

As long as the hospitals charge that kind of money, you can't blame the insurance.

In Oklahoma they have something called soonercare which is basically Medicare. I had it for years making 25k a year. They pay 100% of medical bills, ambulance rides and I believe life flight but I'm not sure. My wife had twins and they were early like twins usually are. The NICU 2 week stay was 300k the birth was another 90k and my wife's aftercare another 60k. I run my own small construction company that I'm still out there working with my crew. That bill would've ruined my entire life. There is no chance I'd pay that off. I can't afford a home right now but I hope to in the future and it just never would've happened with that debt and the hit to my credit. People don't seem to give a shit but illegal immigration is ruining blue collar family lives. The wages go down the cost of living goes up. Supply and demand. They also don't have to pay bills at hospital. I bet that's a large percentage of the unpaid bill excuse. There's also the fact that they just charge what they want because insurance will pay because they make so much money off everyone that it's no big deal to them. Insurance is a scam, government involvement is a scam. It's getting harder and harder for even smart, hard-working clean living men to climb out of poverty. Wake up everyday and work in the sun doing physical labor 10 or 12 hours and you can't feed your kids or provide a roof.

Nothing better than an 18yr old eager little who re.

In Russia they would charge you - NOTHING. In great world class clinic you would pay 400$ max.

I have no idea how did people even accepted such a shit show in America.

😆This I BELIEVE!

Which state?

My friend's wife has MS. She has physical therapy, pain management, a multi-purpose chair, a chair crane for the car, a powered inclining bed, a doctor, and a part-time nurse. That is all paid for by the government. I'm happy for my taxes to go toward this than an over-bloated military or the pharmaceutical industry.

Why’d you divorce?

@@bob11002009 She could have passed away too.

@@bob11002009 Didn't you hear the guy, a million a year

No lol she left me. If you look up multiple sclerosis and divorce, you never read about the person that has the disease that leaves. She had it for about three years and then in 2021 she decided she didn’t want to be married anymore.

A question from ignorance, I am from Spain, here our healthcare was always public, in case a person cannot pay the cost of an operation or something similar, what happens?

@@menda3682 They don’t get treated, thousands of them on the street around here, I’ve not met a homeless person without a serious medical problem they can’t get treated

I hear you. I work in air medical (life flight) and the regulations on us are insane. We get it from both ends, medical regs and aviation regs. The department I'm in was regulated into existence just a couple of years ago by the FAA. You're looking at $1 million in salaries added to the company at the snap of a finger.

@@smithdakotalee Do these homeless people have jobs? I would assume not, but if not, what keeps them from being on Medicaid? Sorry if this is an ignorant question.

@@menda3682 Sometimes they get the operation anyway but then have large medical bills following them and presumably their credit. Sometimes they can negotiate lower bills with the medical facility, on the basis that the prices are so high in the first place partially due to deals with insurance companies and to make up for those that don’t pay, among other reasons. Sometimes. (I’m no expert; I just know of a few cases like that.)

Shocking

Did they actually pay that tho

B.S. No shot costs 200K. How do people believe this stuff?

@@sthubbins4038 it’s on youtube through their news channel

Wait a second. Were they even bit by the bat? This story is bizarre. There’s no way both were bit and the chance the bat had rabies is also very low. Either the hospital is corrupt for giving them “preventive rabies shots” (which isn’t even a thing) or these people are crazy.

It is incredibly stressful. The system actively disuades you from using it. That’s by design though, the insurance companies would much prefer you keep paying them without using their services.

I’m Irish, we have public and private healthcare. A two layered system where those who can afford it, pay and those who can’t don’t. It works, but has its issues too.

@@LeMerch the Irish medical system is pretty crap, you have people laying on trolleys in hospital corridors

@@bob6267 in some public A&E yeah, same in the UK and a lot of Europe tbh but like I said, for those people its free!

The US system is literally designed to be confusing and terrible. It’s on purpose

If she didn't need to be there, like you said, then why was she?

@@dimains6011 She had a pain in her chest from a cold/cough, nothing more. As soon as the Urgent care heard pain in the chest, they sent her to the ER

S Korea, too. Maybe the secret to good healthcare is 100% compulsory male conscription and being surrounded by hostile nations.

Here's an idea just don't pay 😊 In 2008 I was robbed by some gang members and stomped unconscious with my clavicle crushed and head split open needing staples. Somebody found me called 911 then I ended up getting life flighted to the ER. THEY SENT ME A BILL FOR 20,000 LOL!!! I was ever gonna pay that and never will I swear to God. You can't make me I dare them to try!!! 😊

You should get travel insurance when you travel out of country, even if you aren't elderly. Non-residents still have to pay extra, in other countries.

@@carbon-based-lifeform9172 You should google "number of years for medical debt to go away" and look at the first result. You can probably get your debt dismissed.

As an American living outside the US, I ALWAYS carry travel insurance when visiting the US.

@@carbon-based-lifeform9172 this is why credit card machines should be in ambulances.

Doctor salaries have actually decreased directly due to less reimbursement from insurance companies and indirectly from inflation. Insurance companies, administrators and policy makers are a huge problem. None of these parties deliver care but leach off the system, driving up costs.

It's also the lawyers. We need medical legal reform. You have to limit what can be sued for and how much. Otherwise, you have these emotional settlement decisions raising costs to astronomical levels.

@scratchpenny I kind of agree until you draw it to extremes. Let's take a look at government Healthcare in America. The doctor doesn't get sued, just a tort claim against the government. Aka tax dollars pay for the doctors malpractice. I understand people wanting some form of socialized medicine, I'm just not sold. I understand being able to afford good Healthcare makes me biased. One of the things I like/liked(slowly changing) was the meritocracy of America. Was/is it perfect no? But it was/is pretty damn desirable for people who wanted the best

I call bullshit…..insurance companies and our politicians are the biggest reasons for our incredible price structure.

And countless administrators padding their salary.

I paid a cam girl that much to cosplay as hulk hogan and call me brother in her best hulk hogan accent.

@@CaptainTard 😂

What? hahahahaha

Yeah, I’m not sure they paid that or their agreed rate was 2000 and he paid all because hadn’t hit deductible

Exactly. I know like with Cigna, they have negotiated rates that can be 30-70% knocked right off the top but it technically is the price that would never get paid. Like my asthma meds will say $500, Cigna Rate $150, my Copay is $15.

The thing is it is legitimate because there's no pricing regulation, the numbers are made up by the master charge list. Good luck finding out what is on that list though, the insurance companies don't want members to know

I went for a colonoscopy in S Korea. They found something and also performed a something-ectomy while I was under. Stayed in the hospital for 1 night after. Total cost: 200 bucks.

​@@danielahern3560 As an American living in South Korea I can confirm this. I go to a big hospital regularly for a couple of reasons and my bills never went above $200. For those same treatments and checkups in America would cost me thousands.

If you live in Texas, you don't have to pay any medical bills

@@matthewmurphy4485 good luck with that! 👍

We also have a private system that allows for better coverage and relieves the pressure on the public system.

@Chris Chilian quality of care here is the best in the world

Great point. I also didn’t fully understand his perspective that there is 0% that goes into promoting healthy lifestyle and a lot that goes into body positive. There’s a lot to unpack there but, to start, how is that true? Is he talking about the messaging that comes from the government? Is he talking about the messaging from society in general? You know what I mean? It’s an argument that raises so many questions that weren’t answered.

@@mindful_wander cause Joe lately has been leaning right in his view points. And his talking point is always to attack the “woke” aspect than addressing the actual issue.

Totally wrong. American diet/cuisine drives horrible outcomes. Diabetes, stroke, heart issues, obesity, etc.

So high? It’s because of “insurance” , which removes the positive effects of “supply & demand “ / “free market” . Compare that to DPC , and DPC prices, which are far less than “copay”

When u take your customers last dollar , they can’t come back !! Med industry has done this for so long, hence obama care , was designed to rescue the med industry financial, which is bloated and actually killing itself . Add to that some hospice killing patients for 30k incentive, they are running out of customers to loot

I don't know where all of you folks are getting this 'we have high quality care' stuff from. Maybe if you're rich you have access to that. But in my experience, the care sucks in this nation.

My healthcare isn’t quality, trying to navigate that bullshit makes it almost not worth engaging with. Glad you have good healthcare though

You could also buy a house in India for a fraction of the cost in America. India has a much lower cost of living and standard of living. I was born there, what you think is cheap medical care is actually devastatingly expensive for the average Indian family...

@@Benzley722 It's only true for private hospitals. Government hospitals provide free healthcare to everyone. I have hardly ever been to a private hospital. Unless you need something extremely specialized, you can just go to a government hospital. There is nothing 'devastating' for an average Indian family. Maybe for very poor families from a remote location with no hospitals around, but that is true for any part of the world.

What about Quality? Edit: They talked about Costs & Access.....what about Quality?

@@mastersplinter5966 the quality is pretty good.

@Master Splinter he said about not being able to get mri and stuff. I hurt my knee, and my regular dr (not hospital, not ER) was able to send me downstairs to get an x-ray that day for it. Only waited like 20 mins.

Depends. I have eye issues. I looked at prices in Switzerland for treatment. Its already more than just getting it done here in the US (with insurance i have). Ive also never been to Switzerland but i know whe i was traveling Europe it was very expensive. That said yea prob Germany (acc where im prob going for this eye disease) and other place are prob better and more cost efficient and Switzerland is a big anomaly.. Edit: Also to be fair like the Doctor who invented this eye treatment and has some novel techniques is in Switzerland. So the quality of care is prob 5x better esp because the FDA didnt even approve it until like 10 years after Europe was doing it.

@@mastersplinter5966 travel to Europe and you will see how the quality rivals USA. Sometimes I feel is better.

It’s usually more things like if u need imaging, that’s my experience in BC seeing a doctor is pretty quick usually a week or two it’s seeing specialist or imaging like MRI depending where u live, also depends the level of necessity and severity is, more severe things happen a lot quicker for sure

Exactly same I have CKD I have two doctors 2 nurses a social worker routine bloodwork done very efficient. This guy has no idea what he is speaking on and is trying to justify the quality of care for the money he spent. The poor cancer patients coming to the states as their last hope, they still die only in massive dept to their families..

sounds slow

So why do Canadians come to America for healthcare?

And you could do the same except cheaper and faster if we deregulated everything.

Healthcare costs are high as a result of government interference in the market.

​@@docsavage8640 in what country, when? Because it seems to be the exact opposite in every country.

It's a bot. Everybody knows the opposite is true.

​@@Phantus00 I too believe that government interference only raises prices. Eyecare in the US is privatized. It should be unobtainable according to that thinking, but it's cheap and quality. It seems that competing clinics take turns providing quality care for affordable prices. I know it seems counterintuitive at first to think that having no restrictions would result in better quality and affordability but that's what has been shown to happen. It's like reverse psychology

@@alvarnunez3215 are you saying no restrictions in theory could mean that another hospital could open up and charge 1/18th the price for an ER visit, still be profitable and take business away from other hospitals?

income and hospitals should never be in the same sentence

@@natashalands2144 ^^^^^

Many hospitals came out ahead due to the pandemic after the government printed money give it to the hospitals that treated Covid patients

You mean, they didn’t have unlimited access to their cash cows

They compensated for it with putting people on vents and diagnosing everyone they could with Wuhanflu, triggering Federal funding. Many hospitals operate on revolving Medicare Plan A payments to keep them solvent, with idiot hospital directors who embezzle funds for a few years, then move to the next one. If we audited Medicare, it would shake Congress because there is a massive scam being played on the people, and Congress is eyeball-deep in it.