Couple things to set out for non freedom speakers

1. Medicare for seniors is not free. A portion of their social security is deducted to cover a subsidiary insurance plan via United Healthcare.

2. Certain individuals making under an amount of income by law can have their medical debts forgiven (Our Healthcare tax pays this). Fucks your credit score in some cases though.

3. People under personal bankruptcy have their medical bills paid by for the state (again covered by taxes)

4. "Obamacare" is a government discount option for special marketplace insurance plans. You do not qualify if you make over a certain amount

5. A deductible is an amount you pay in the event of a medical emergency that will cover you for all stays and procedures until discharge. You will still be covered for outpatient care related to the incident.

6. Max out of pocket is an amount you pay out of pocket for a year before insurance will cover the basic doctors visits and medications at 100%

Insurance basics in the USA:

A. PPO insurance plan
You can go get care wherever you want without referrals. However on cheaper plans this affects how much your insurance will pay in increments of 20% depending on how many checks you clear. More expensive plans guarantee coverage for 60 to 80 percent depending on the plan. Once you hit your max out of pocket then simple things like doctors visits and medications are covered 100%

B. EPO Insurance plan
Offers similar benefits to PPO except you now require doctors referrals. Your choice of doctors is limited.

C. HMO Insurance plan
You must stay in network as directed by your insurance plan. You will require a referral for all tests and specialists visits. Your insurance carrier will assign you a primary care physician.


Lot of tldr
I personally don't like our current health system. But health care for all is very taxing. And the other bad part of going health care for all is every single entity in the industry has to downsize. We could be looking at 100s of thousands of jobs lost in the 1st year as everyone's heads spin to restructure. Yeah it might be cheaper overall for everyone but cheaper just means someone else is losing profit.

The right wants to dismantle any benefits we get
The left doesn't actually have a concrete plan to go forward

I personally think insurance is a scam. Like last year I didn't carry insurance. I only saw my primary doctor once for pneumonia. 160$ for the doctor. 12$ for the 2 weeks of steroids. 30$ for an inhaler with 200 doses.

Funny thing is I picked up a secondary insurance plan this year. They're supposed to pay primary doctors 80$ per visit. I get a bill saying insurance was billed 300$ and I owe 140$
What's the fuckin point of insurance then? It's cheaper for me to cut them out. Just seems like the whole industry is book cooking and it's normalized.

Oh and your insurance can deny you coverage at any time if all the Ts aren't crossed and I's not dotted. Stupid.

Healthcare used to be fine in this country, but has been corrupted by people who hate us.
Get rid of them and all this goes away.

I think the problem is tied to... money; Politics can't or don't want to set up dedicated truely public structures or push for fair prices on services & drugs (ie:hospitals) because:

- Various medical lobbies will go against it, including the powerful labs who will think they are next.
- Judiciary system, aka ridiculous compensations if medical error, is increasing by alot the base costs too.
- Medical personal would lose their great salaries and oppose.



Yep.

Bernie Sanders was your best ally,

Hope this helps

This post was edited by Meanwhile on Mar 19 2024 01:08pm

Franswah's to do list:
1. Stop eating snails.
2. Kick the Muzzies out.
3. Get rid of corrupt government.
4. take a bath.

You need to understand what it really means, this whole "insurance" business.

Mathematically it's the same concept as when you take out car insurance or travel insurance. Everyone is paying into a pool of money so the random few who need it receive help. It also costs less for an individual the more people pay into it.

The main thing where health insurance differs from car or travel insurance is that there is no natural upper ceiling on the costs.

Accident-related car insurance has a natural upper cost bound related to the cost of repairing or replacing the actual car (for now ignoring the human-related cost). In travel insurance, you typically get reimbursed for your hotel and for the tickets you didn't use. There is no one in the car or travel industry coming up with expensive lotions or treatments your car (or your canceled ticket) can receive.

Physicians and pharma companies in the US have no such natural bounds, so they try to charge whatever they think they can get away with.

That's why you eventually see such weird things like the one you described with a surprisingly high bill from a doctor.

Fixing the absence of the upper cost bound in the US healthcare sector is the real answer.

TLDR don't blame the concept, fix the broken implementation!

This post was edited by Ashirgo on Mar 19 2024 02:12pm

well said

The United States is the only "first world" country that doesn't offer it's citizens a universal healthcare. And the United States healthcare industry nickel and dimes the average working citizen and creates definitions of why care isn't covered by their plans all on a whim and always at the expense of the little guy. Fuck the current system and those who think it can ever benefit all equally.

Last I read people were looking to create private health plans so they could exclude degenerates like fatties etc. ngl sounds pretty based

Personally I don't have a problem with socialized healthcare, but I feel that people should have the option to opt out. It shouldn't be mandatory.