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/

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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