Health Insurance Basics: How Do I Choose the Right Plan?

[@RidvanMaloku]

Health Insurance Basics in USA: Let's make it super complicated so we can steal as much as we can!

[@Midnightspecia1]

I don’t know why should I pay a premium...if I can never afford a deductible... like I’m broke. For my family of 4 the premium is $450 a month....that’s cheap? I barely make 3 grand a month. My deductible is $10,000+++ ...So I pay you and still pay for everything??? I can’t afford $10,000 a year. This is a scam.

[@kookie4nookie]

Yup I feel the same way.

[@adubplayz5315]

I have a private health insurance PPO plan and its literally the greatest. I suggest it to everyone

[@Midnightspecia1]

@@adubplayz5315 jesus how much per month?

[@kyokendl373]

Literally it sucks

[@ssophistocatt]

@@adubplayz5315 what private health insurance do you have?

[@AnnMitt]

Would be a lot better if everyone was on Medicare and at 26 years old we all paid the same monthly premium.

[@lizzb1065]

IT SURE WOULD, WOULDN'T IT.

[@dontspitswallow4920]

Yeah but then the insurance company wouldn't make $92 Billion a year!🤡🤣😜

[@JohnSmith-mh2zn]

Okay so I was right, this is a scam lol. Pay a monthly fee to be a member of their health insurance, but if you need their services, you gotta pay "out of pocket" also. Thank you for the video

[@feo130]

That's why it's "insurance" dumbass.

[@ericfriendzoned1303]

Insurance is stupid if your healthy pay me if your sick pay me

[@Ddeath.Eaterr]

Yep

[@mijalibarbagallo4124]

Welcome to America

[@anonymousonly3382]

Bingo

[@beemerjoy]

like asking the fox for the best fence for the chicken coup

[@PredictableEnigma]

Could have gone into more detail about the plan types. But the rest of the points were explained well and the graphic really helped me understand deductible, co-insurance, and out-of-pocket maximum.

[@chrissyhannah7027]

Agreed. Quick vid.

[@angeloperalta5442]

in addition to that, CA penalizes you if you dont have any coverage that you pay for.

[@notme5897]

as someone who knows nothing about health insurance, this just sounds like a bunch of letters being thrown at me

[@helenjohnson4505]

Exactly

[@AlexaAlba-l4g]

Great video! Some key points were highlighted that I hadn't heard anyone else discuss. Thank you!

[@sweetzCA]

I'm less confused, yet still confused...this is a maze of rules and exceptions. I'm starting to realize that the insurers are the key to good healthcare, not the doctors.

[@lostcarcosa8106]

The fact that we as Americans put up with this shitty system is mind-boggling.

[@paulwilliams8067]

Thank you so much for letting me express my feelings about your post. You record every blog post so well. Keep the hard work going and good luck. Hope to see such a beneficial post ahead too.

[@crypticcorgi8280]

How much do I actually save? It seems like I pay MORE money over time. Which is stupid because insurance companies are the reason hospitals are so expensive. Because they are always trying to haggle the hospitals.

[@Whitebeardtheking9]

Administrative costs are another reason. The field is oversaturated with worthless people who aren't healthcare practitioners but make more money than they deserve. Estimates are about 1/3rd costs are Administrative alone.

[@jenniferbryn]

record every conversation w/ your insurance companies. some companies like aetna think they can do whatever they like even if you have urgent needs. at some point it becomes abuse.

[@sent4dc]

Health insurance should NOT be the same as your car insurance. Don't you see the different, America?

[@EduardoSilva-xe3gp]

In fact it's a little worse, usually car insurance deductible is 500 to 1000 but health insurance cost out of pocket if you get a surgery it's insane, not well plan sucks for the healthy and sucks for the not so healthy as well

[@geidicalcagno]

Hi! I don't understand how people pay a full coverage for cars over 200.00 us monthly and more...when is relate to personal health insure we think about it different? I was talking about it with my health insurance agent.

[@ArcadeEraBeats]

Deductibles shouldn’t exist. What a scam.

[@user-lk1hv8mt9y]

Thank you so much for this video. Super helpful and well presented. Your time and effort is most appreciated!

[@akashlobog2208]

Thank you for this. helped me learn a thing or two about insurance.

[@julieeanderson945]

Thank you a lot for this video. This is very interesting and informative. Keep posting like those amazing videos, this is awesome.

[@jenniferbryn]

whatever you do, be wary of aetna especially if you have pharmaceutical needs.

[@-ZED-]

Me a British citizen with free healthcare 😁

[@samwilson4597]

then why are you here????

[@-ZED-]

@@samwilson4597 I just wanted to know how the American health care system works and how expensive it is.

[@Pawn_Man]

@@-ZED- The US median salary is around 92k compared to the UK at 33k (after currency conversion rates) your healthcare isn’t “free” it just comes out of your taxes. This video is a good BASIS but there are literal hundreds of different health care insurance companies that are cheap as well as having a cheap government health care system

[@-ZED-]

@@Pawn_Man I guess not completely free but I rather pay taxes for it then pay absurd amounts also gbp is stronger than usd also average UK salary is actually $42,865 compared with America's $31,133 :)

[@-ZED-]

@@Pawn_Man also we don't have to worry about the hassle of shopping around for different healthcare insurance policies 🙄

[@yajiinaachi]

This is a example please let me know if you know this Insurance has 65 dollars for doctor visit Uninsured people would pay 300 dollars. So if i have insurance n havent start my deductible, does my deductible pay 65 or 300?

[@MrTmenzo]

Usually cheap plans let you have a few doctor visits for free or cheap before the deductible and met, so it would be 65 in most cases.

[@fezekamzolisa2602]

I'm interested in the plan I was waiting to be called as I was promised but no one called

[@ibxphilly]

Hi Fezeka! We're sorry for your experience. Please send your contact information to www.ibx.com/askibx and a rep will reach out directly to assist. Sincerely, Maureen

[@Lazaro38Roca2]

Which Is The Lesser Thief

[@litua13]

This really helped me thank you!

[@sallavatsal]

This is a very useful video! Thanks for sharing this!

[@rainnet3225]

if people are retired can they still keep their coverage and if so will they be able to get a better deal / plan for the medical coverage

[@travisbicklepopsicle]

I have a question. I have health insurance through pennie Marketplace, and I know there is a 90-day Grace period. If I'm late paying a premium but I'm wondering is it okay to be late a couple months in a row? When I say late, I mean paying the premium 2 or 3 days after it's due. And I'm talking about a couple of consecutive months. In other words, I'm paying it each month, but it's a couple days past the due date when I finally send my payment in. So if it's due the 1st of each month, is it okay to pay it by the second or the third day of the month without facing any penalties? I'm talking about doing this for maybe 2 or 3 months in a row. Understand, I am paying the full premium each month, it's just going to be a couple of days late for 2 or 3 months.

[@zuanharris]

Thsnks a lot made thigns a bit more clear

[@jeffreywinks2826]

great video

[@brooks-zp5qq]

thankyou so much for this video

[@shelleyg1073]

Is $189. per week a lot for a family plan?

[@SasuKrow]

Seems too complicated. I miss Europe.

[@TheYomomma619]

How did it work in Europe

[@SasuKrow]

​@@TheYomomma619 In Bulgaria it just get's paid by the school/job you're in. No need to look through many plans. And as far as I know there's still the option to go for a private health insurance plan if you're unhappy with what the universal health coverage provides.

[@tarfact]

amazing video thanks

[@RGTomoenage11]

Monthly fee to be a member? That’s bs…

[@loganforster6802]

great video!

[@bredbrain9223]

LMFAO THIS IS SO SAD

[@michelenatoli9622]

I am soooo lost 😞

[@Hmmmmmmmm320]

Can we please just put this shit on the free market already? So annoyingly complicated

[@g-man8481]

This is the free market buddy lol

[@Whitebeardtheking9]

@@g-man8481 not really. There's not a lot of upfront pricing on a lot of goods and services pertaining to healthcare hence why things cost so damn much on top of 1/3rd of the costs being administrative these being people who aren't healthcare practitioners.

[@pedro_tqm]

this is fucked up

[@MrDerpdog]

This narrator sounds like Brené Brown lol

[@ALI-mn8ym]

nice

[@ksobugshek7477]

Hi

[@ezekielcolton1473]

Find Your Doctor

[@chestydevildonut6550]

This is reason to riot in the streets

[@SpaceIT7]

This company is the worst to buy insurance from. They will try their best to not cover your medical expenses. I was left with $15,000 bill for my new baby hospital bill. They said the hospital is out of network and we will not pay out of network because should be delivered some where else. Can you believe that.

[@latteARCH]

Why is this so unnecessarily complicated? Society is fucked.

[@robbv1478]

Total scam. almost all my copays with IBX are $100 dollars every doctors visit. What a joke!!!

[@TheYomomma619]

What was the total cost though?

[@situspragmatic2213]

P

[@anniewilliams4251]

Thank you a lot for this video. This is very interesting and informative. Keep posting like those amazing videos, this is awesome.