A terrible guide to the terrible terminology of U.S. Health Insurance
hahaha this system sucks.
a huge thanks to my Patreon for giving me a chance to do this way-too-big video: https://patreon.com/briandavidgilbert
filmed by Karen Han: https://twitter.com/karenyhan
music by Louie Zong, check out the album “Business”: https://louiezong.bandcamp.com/
MERCH: https://store.dftba.com/collections/brian-david-gilbert
STREAMS: https://twitch.tv/briandavidgilbert
STREAM ARCHIVE: https://www.youtube.com/channel/UCqbwf1q9hkT8E4zPsWYMjwA
INSTA: https://instagram.com/briamgilbert
WEBSITE: https://www.briandavidgilbert.com/
Looking to get involved in healthcare reform? Check for any state/local groups or groups in your profession (especially if you are a nurse/doctor/medical student!) to join or support! Here’s a relatively comprehensive Wiki page on U.S. Healthcare Reform Advocacy Groups to give you starting point: https://en.wikipedia.org/wiki/List_of_healthcare_reform_advocacy_groups_in_the_United_States
ARTICLES REFERENCED IN THE VIDEO:
– “Brian David Gilbert Begins Comprehensive Deep Dive Into How to Get Health Insurance Now”: https://hard-drive.net/brian-david-gilbert-begins-comprehensive-deep-dive-into-how-to-get-health-insurance-now/
– “FORMULARY (LIST OF COVERED DRUGS) FOR BLUE SHIELD OF CALIFORNIA MEDICARE PLANS”: https://www.blueshieldca.com/bsca/bsc/wcm/connect/sites/sites_content_en/medicare/resources/prescription_resources/medicare_formularies?
– “Analysis: Half of Emergency Ambulance Rides Lead to Out-of-Network Bills for Privately Insured Patients”: https://www.kff.org/health-costs/press-release/analysis-half-of-emergency-ambulance-rides-lead-to-out-of-network-bills-for-privately-insured-patients/
– “Can Hospitals Use an Out-of-Network Anesthesiologist or Physician?”: https://www.ushealthgroup.com/2021/04/14/can-hospitals-use-out-of-network-anesthesiologist-or-physician/
– “What Medicare Covers”: https://www.medicare.gov/what-medicare-covers
– “Nebraska Medicare Eligibility”: https://dhhs.ne.gov/Pages/Medicaid-Eligibility.aspx
– “Millions of kids qualify for Medicaid. Biden funds outreach to boost enrollment”: https://www.npr.org/sections/health-shots/2022/07/19/1112247478/millions-of-kids-qualify-for-medicaid-biden-funds-outreach-to-boost-enrollment
– “Open Secrets: Client Profile: Blue Cross/Blue Shield”: https://www.opensecrets.org/federal-lobbying/clients/summary?cycle=2021&id=D000000109&name=Blue+Cross%2FBlue+Shield
SECTIONS:
00:00 – Intro
01:52 – Health Insurance
02:53 – Dental & Vision Insurance
03:42 – Premium
04:19 – Deductible
07:08 – Copays & Coinsurance, Out-of-Pocket Maximum
09:58 – Drug Tiers, Drug Formulary
11:53 – Open Enrollment, Qualifying Life Event, COBRA, Special Enrollment Period
14:40 – In-Network, Out-of-Network, Multi-Tier Network
17:03 – HMO, PPO, EPO, POS Plans
19:08 – HSA, FSA, MSA, HRA
22:14 – Medicare & Medicaid
25:19 – Obfuscation
27:02 – So… what now?
29:19 – Credits
This is fantastic. It’s entertaining, informative, and calls out the bullshit. If I could make everyone in this country watch this, I would
Seeing you here give me whiplash
Finally it’s here after so long :
https://youtu.be/mCfYi7634rU
When my favourite Poketuber comments on my favourite RandomTuber’s video, it’s a good day.
Mikey?!?!
the only thing this video is missing is the mention that your insurance can deny doctor-ordered procedures and treatments for completely BS reasons when the insurance company otherwise covers those things. being denied a specialist referral, MRIs, mobility aids, and critical disease-modifying treatments for your chronic illness is such a “privilege” of private health insurance.
Now that Brian David Gilbert makes explainers, I think we can retire now? -John
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First the shing jingle plug and now this. It feels right
haha, we need you the Green brothers now more than ever!
dear god, i need BDG on dear hank & john deeply
It was perfect!
Can I just say
1) this feels like a real return to form for fans of Unraveled
2) this really demonstrates that some creators are such that their audience will listen to them talk about literally ANYTHING and trust it to be entertaining
@Cygna Hoshiko Yeah, I’m going to grad school next year and I’m chronically ill too so I also really needed to know it. New insurance + new place + being independent to deal with my own insurance stuff. I just realized how complicated this is all going to be next year while I was watching the video.
I’m a chronically ill American, so this is really just as relevant to my interests as Unraveled, unfortunately.
honestly as an european in a non english speaking country this is absolutely useless… but bdg makes it entertaining
I almost didn’t watch it because based on the title I thought it would be boring, but I decided to trust BDG.
Finally it’s here after so long :
https://youtu.be/mCfYi7634rU
The editing is so good that it almost numbs the pain of trying to figure out the American healthcare system.
almost
the shapes in the background make me happy
Thanks for the helpful guide! I’ve decided that the best course of action is to remain in a sterilized room wrapped in twenty layers of bubble wrap for the rest of my days.
ahh, the Biden method
I’m so glad Brian is still doing psychological horror content, this is great.
this is social horror
This video is excellent socialist propoganda
Unironically this is his scariest video
666 likes, oddly fitting
Edit: nevermind I guess they stopped doing that.
all his horror videos before were pretty scary but this takes the cake
As a Canadian who just moved to Seattle, just…. God bless you
I’m an American, but moved away while I was on my parents’ insurance, and just moved back from a country with universal healthcare. I really need this too!
@Damezca I think that there are lots of ways that we are culturally different from the states but I definitely agree with you
Why have you done this, pourquoi t’a faite ça?
We’re not too different culturally from the USA but the thing that sets us apart is the better political and healthcare system.
The craziest part of the US Healthcare is that this video is actually good enough to be shown in school…
it would be great to see this in school
Beautiful
But then how will the government invest millions of dollar into the problem, steal most of the money, spend some money on something real to show as progress and get nothing done so they can justify another investiment to do it again?
I’ve been in the process of transitioning from a stable career (with benefits) to doing youtube full-time, and I would just like to thank you for the anxiety attack you have given me.
I cant believe that Brian just tricked me, a 21 year old who is nervously gripping onto their parents health insurance, into learning about how to navigate getting my own healthcare. You’re doing to lords work Brian.
I love your picture
Finally it’s here after so long :
https://youtu.be/mCfYi7634rU