Informer reveals what Insurance Companies aren’t telling

[@patricksome7142]

Insurance in the 90s paid for EVERYTHING. We had a $20 co-pay, and that was it. I broke my neck in a dirtbike race in 2002, $120,000 in hospital bills, we paid ZERO outside of the co-pay. Today, my family has a $9000 deductible before my 80% coverage kicks in, and our coverage costs $1000 per month. I don't go to the doctor anymore, and after writing this out, I am going to opt-out of medical coverage next year. What a god damn scam.

[@theWebWizrd]

So let's see here. 1000$ a month, 9000$ deductible. I assume 80% coverage means you pay 20% of expenses. So, in order to make up for the 120,000$ you did not have to pay, that is over 7 years of premiums just for that one incident if it happened at your current payment plan. Adjust for present value of money, and we are looking at around a decade of premiums. For one accident nevermind anything else you might have been given like medicines. How and why are insurance companies supposed to give out loads of free money? They must get the money from somewhere. Why are you entitled to someone else paying for you?

[@hueco5002]

@@theWebWizrdthat is literally how insurance (theoretically) works. The healthy subsidize the sick. Flip OP’s story with my own: I’ve been paying premiums monthly for 20 years now - and I’ve had 2 outpatient surgeries. They’ve made money on me hand over fist.

[@Sara-x6t3s]

Exactly. The moment I actually qualified for insurance through my job Obamacare came and ripped the rug right out from under me.

[@MHVideos777]

It's not a scam by definition. The reason it's ended up this way is a combination of individual people scamming the system, taking advantage, corporate greed, inflation, and not paying into the system as they're supposed to. It's not a simple situation. The reason it USED to work for you is that people used to have more money and were able to pay into the system normally, so the safety net was in place as it was supposed to be. Most people who end up getting into an insurance claim situation in the first half of their lives are going to claim FAR more than they ever paid into the system in the first place. That's the entire function of insurance - a safety net for society to be able to collectively handle financial losses that the individual can't cover on their own. If you take a 21 year old who's been paying for their own car insurance for 3 years, maybe a couple thousand dollars tops, and get into a catastrophic car accident (their fault) that totals the other person's car and creates 100+ thousand dollars of medical debt for the people they injured - the insurance company would pay for that, far more than the 21 year old has ever or maybe will ever pay to the company in the first place. Obviously you will find many situations where one or both parties have a bad outcome - but you will also find many situations where the insurance company just handles it and the people have a better outcome than they would have without the protection of the insurance. That's why it exists, that's why it's always existed in modern society. People don't understand this.

[@idget5]

Thank a democrat and Obama Care(ACA)

[@bruggetje]

Insurance companies are always trying to spend the least amount of money on you as possible. We had an death ensure on my grandfather so when he passed away an coffin and service was provided and paid by him already. Yet they refused to pay up. Making it a court case and they eventually lost. Laws re different in the Netherlands. But their literally going over dead bodies everywhere, world wide.

[@Bender_B._Rodriguez]

Insurance has always been a scam bro. FRom its inception it is scam first and cry about paying out later like their the victem. I lost a car to an insurance company that wouldnt pay out to have it fixed. They allowed an illegal to have insurance who was deported 2 times before on dui charges. They let him back in the country to repeate offend.

[@jeffxie6334]

Hmmm i benefitted from insurance claim so much after my dad passed away that i cant say anything bad about them lol. However yes i understand many people have a very different experience.

[@Butter-keks85]

That s why you need strong regulations . How come in countries like France they are forced to pay in timely manner. Forced to take people in . Denied access to information that would prevent them from losing money with some customers . And yet they STILL make a ton of money .

[@zonzillamagnus5902]

@ France and all western socialized countries are collapsing due to the insane socialism. Obamacare made Healthcare more expensive and created corporations.

[@tony_5156]

@@zonzillamagnus5902all? You mean the UK because of government incompetence and the current debt and economic issues the whole nation is facing? Once these things are taken into consideration, your statement falls apart.

[@travissmith2092]

Please no one take what Asmon said about credit cards as advice. My god the quickest way for you to be ruined and financially yoked with debt for the rest of your life. I beg you, don’t do it.

[@MiaMizuno]

Especially because he did not say how it ended. Or why the debt collectors stop pursuing him

[@travissmith2092]

@ he made it out. 0.01% of the people that do what he did financially make it out like he made it out. Many of them check out of life’s hotel early. The best advice i ever heard was to never spend more on a credit card than you can pay off in a single month. If you’re disciplined enough to treat it like a debit card, you’ll have excellent credit and long terms sustainable financial habits. Most people including me couldn’t do that all the time either. But flipping debt from card to card only works until they won’t give you any more and you maxed them all out. Then the walls close in and you drown. No idea how he has said ran for 10 years like that - I’d give someone a year to two tops

[@blvdeless9727]

Chapter 7 and 13 bankruptcy exists for a reason. You can accrue mass debt and just claim bankruptcy. They can't take anything and you get a consolidated payment monthly that doesn't include interest. Only the principal.

[@nothingforyouhere418]

Credit cards are awesome, if you're not stupid. You need one to boost your credit. Don't spend more than you have, and if you do, know how you're going to pay it off. Pay the full balance every month. Don't have more than 20% of the total credit limit for more than a month if you can avoid it. That will damage your credit. Following those simple rules will improve the quality of your life. Asmons advice is shitty. Don't be shitty just because your surroundings are. Be better. That's the only way things will ever get better.

[@TySinclair-wv2xw]

​@@nothingforyouhere418found the creditor. You are wrong dude, when these companies lack morality, why should you show them any respect?

[@brendondevilliers1350]

6:43 - "How can I get their money and put it in my pocket?" That is EXACTLY the line of thinking that these businesses live by; Asmon is just playing the same game, with them, that they play with us.

[@bjoardar]

Makes me think of the old adage: "An eye for an eye and the world goes blind."

[@Anonymous4045]

@@bjoardar "... but I'd hate to live in a world where someone thinks they can take my eye for free."

[@-Gax-]

​@@Anonymous4045 You literally do. Everything else is just a Construct. Nature laughs at your eyes and will take one if it sees fit. And you can't do anything about it😂

[@Ixmaya7]

Yea, I love Asmon but as a successful, traditional investor this is horrible advice. Unless you want to be literally locked out of copious financial functions & abilities. The only scam with debt collection is the interest. So the only time you should completely ignore a debt collection agency is if you’re in the current and productive process of saving enough money to pay it all at once. Nip it in the bud. If you just block them and ignore it you won’t be eligible for any credit cards, any loans (FAFSA, SBA, etc), and cannot legally get cleared to purchase a property (house, condo, or land). The reason Asmon can/could do this is because he’s never had to purchase a house or get a loan for anything. He’s wealthy. So he just gets a house and buys cars outright with no interest. Anyone in a normal situation would not be that privileged. In the end, just don’t listen to financial advice from people who really don’t understand what they’re talking about. Advice like this can ruin lives just as fast as any debt collector. That’s my 2 cents.

[@ibannykh]

the debt was his mothers. she probably declared bankruptcy and had the house transferred to asmon beforehand. then she died so no assets to collect. basically free money. so you definitely can do this if you have a family member that owns nothing collects tons of debt declares bankruptcy then dies.

[@TheHealthyCow]

@@ibannykh this, also if you have no plans to buy a house in 7 years it is probably fine too. I don't think fundamentally anybody should be dependent on credit cards anyway. Also this isn't entirely true, I got a car loan at around 560 credit score. APR was higher, but compared to the amount of debt I technically owned it was well worth it. But realistically, if you are not financially stable its better to buy a car from facebook lol

[@Suchen_Wahrheit]

6:50 "Stealing? " no you are "defaulting" on your payment. Stealing is for plebs. Defaulting is for rich person 😂

[@TheUnrulyMob]

Bankruptcy as well. Use all the tools you can against the financial industry. Usury is a sin according to Jesus. One of the few times in the bible Jesus gets angry, and justifies anger is at the money changers. The ancient world despised debt collectors so badly, they codified it in the Gospels!

[@YaMuthasOnion]

Amen, brother. Preach!!

[@Willy_Tepes]

@@TheUnrulyMob Usury is Haram!

[@uftivfiduu8360]

@Willy_Tepes who cares

[@blvdeless9727]

Exactly. This is what a lot of rich people do. It's only looked down on and morally wrong when the poor people do it. Let a rich person start losing money and they pull a loan and claim bankruptcy to keep the funds. It's only a problem if the lower class wants to do it

[@ntall123]

I've been saying this for years now. When you go to the hospital, its no longer about "how can we help you", but instead "what is your insurance willing to pay for". Once they figure out what your insurance is willing to pay for they try to sell it all to you. The better your insurance, the more they will screw you. How many ppl do you know that keep going to the Dr. but the dr. can't figure out what is actually wrong with them, yet keep prescribing medications and treatments for the things they can't accurately diagnose?

[@Lem0nsquid]

Might be true in your area, but that hasn’t been my experience. But yes there are “health professionals” that are just looking to squeeze every dime. The worst of it I ever experienced was receiving a iodine tablet for no reason 😂

[@syronul5545]

99% is either ACEs manifesting in adulthood/somatization, vs current lifestyle, vs current social stressors vs mental health. Very few want to undertake steps to fix it OR just can't because ACEs/social

[@Rajax32]

Its not a hotel though. Would you let someone into your business, consume your products and waste staff time knowing that can't pay? How many people would you let do that before you went under?

[@Rhala]

@@Rajax32the problem starts somewhere else though. ofc you are right in what you‘re saying, but the single privat person shouldn‘t be charged to pay for it like ppl in america have it going on. it is very outragious what the system does to ppl in america… almost unbelievable to me. ofc everywhere on the world, but as a frist word country, this is freaky.

[@leonalchamendris4036]

The solution is to treat the doctor like the service they are; educate yourself on causes rather than symptoms and walk in with an understanding of how medicine works. Then don't let them prescribe you ibuprofen, and don't let them give you something if they can't tell you exactly how it will help you. Then if they can't... demand another doctor. And always get a receipt/invoice readout before you leave.

[@RenoReborn]

The framing of this is insane. Remove the spooky music and the mask and all of this is just normal information, debt collectors aren't paragons of moral virtue, who would've guessed except everyone. Hell, I'm pretty sure the Bible, written roughly 2000 years ago, contains stories about morally dubious debt collectors, this is not a new problem by any stretch of the imagination.

[@dojimaryotaro6563]

Agreed. This is incredibly cringe.

[@MichaelWard-le1ck]

Agree with this. I’m not Muslim but I’ve been around enough to learn how they view debt and credit and such, they were onto this 1400 years ago

[@Akynam]

Music sure, mask is there for a different reason. Imagine putting a target on yourself for free.

[@captainspaulding5963]

Wait, you think the bible was written 2000 years ago..... 😂😂😂😂😂

[@bestintheworld4850]

Some books of the Bible are way older, which actually prooves more your point.

[@SariatheFrostMage]

I remember that episode of Malcom in the Middle, early 2000s, where they had to go to the hospital and get stitches without insurance... and it cost a couple hundred bucks. Now it would be $10k minimum. Insurance is the scam that makes hopsitals charge these absurd prices.

[@daveb3910]

Yeah, but call the hospital and ask for the cash price, tell them you don't have insurance. The price will be about 1/3 or less. And if it's too much say that, then in a month say I can't pay that but I can pay x, and they'll take it more often than not

[@zebra3962]

💯

[@bjoardar]

As someone who live in a high-trust society, hearing Asmongold talk this way feels completely alien to me. I could never live in a low-trust society like the U.S. because I would be absolutely destroyed. To not have to deal with the constant stress of living in a dog-eat-dog world, is something I'm *truly* grateful for.

[@LSD25]

America used to be a high trust society.

[@ImmanuelKant00]

No society could function under his view, especially not ones as big as the U.S. He is an outlier and represents the most cynical type of person.

[@mohamedabdulle7936]

Isn't what he saying truth😂

[@alexjustalexyt1144]

@@ImmanuelKant00 yea you're right but not many people address what he does. That's why he is so famous, he addresses a lot of societies blindspots.

[@richardnokes6752]

JAPAN?

[@V8dadmartin]

My friend worked the phone lines at a workers comp insurance company. She quit after 2 months because she got in trouble for telling a coworker she’s been depressed because they denied people who’ve been crippled for the rest of their life. They’re scum bags

[@codycarr9784]

i got hurt at work a couple months again for a back injury and work comp dragged me through the mud for like 4 months after getting a mri and having a clear issue with my back they said it was degenerative and sent me back to work with a bulging disk pinching my right traveling nerve in my leg.. work fired me before i got back to work. lost all my benefits and now on disability.. They only care about denying people. so i got a lawyer and he knows the work comp company well he has sued them many times.

[@codycarr9784]

NEVER WORK AT A ALDIS WAREHOUSE

[@madmatt2024]

@@codycarr9784 Oh sweet summer child... It seems you have never heard of Walmart warehouses.

[@lArtemislll]

Workmans comp has ruined many lives... Including mine.

[@V8dadmartin]

@@lArtemislll sorry to hear that

[@loganium10]

"How much is enough?" isn't a new concept, my green onions in my backyard are probably wondering, "How many times is he going to clip us to eat?" the answer for the rest of existence. Insurance companies have the ability to see the people that same way. It might be wrong, but it's natural, until the next evolution.

[@slippyreportingin]

if the green onions were sentient they might disagree with it being the natural order of things

[@iiieazyiii5738]

@@slippyreportinginDoubt it - Green onion

[@fireraid9173]

It's why I'm planning to move to another country in the future, they all have problems but the US problems aren't to my liking

[@smithynoir9980]

Imo, the Luigi evolution seems beneficial.

[@SovereignSmurf]

Ain't no way someone said it's an American mindset like Indian tech scammers aren't a thing

[@whocares9033]

The difference is that the tech scammers aren't backed by the government (in the open, anyway)

[@hoseinqadam]

You saw what India did about that? at least India is working against having that be a thing.

[@uftivfiduu8360]

@@hoseinqadamnot to mention in usa thats legal job lol

[@MrCipasa]

@@hoseinqadam did what? please enlighten me. ( not trying to be a prick, i seriously do not know)

[@Ishaan_A]

@@hoseinqadam idk about that, I m Indian and I still get scam calls whenever I come back to the country. Everyone knows it happens yet little to nothing is done to stop it completely.

[@BTDoubleU]

This is one of the stupidest takes that Asmon has had - you can’t just keep getting credit cards and not pay them back - they’ll start to call you, but Asmon acts like they’ll just give up after you ignoring their calls-NO! They will come to and start harassing you in person, at your home or at work (which could get you fired). they’ll be able to foreclose on your house (if you are lucky enough to own one), take your car as collateral - and good luck finding a new place to live, nobody will sell or even rent to you, same with purchasing a car. Also, what Asmon doesn’t factor in is that if debt collectors aren’t able to get the money from you, they’ll start to contact your family members and harass them for the money, so You aren’t just screwing over the debt collectors by not paying, you’re making your family’s life hell!

[@Nolen_Sorento]

His advice only applies to medical debt. Other kinds of debt will end up in garnished wages.

[@mikeh6109]

They're not allowed to confront you in-person dude. It's illegal. All they can do is call and email you. Have you never had debt collectors come after you? Then, all you do is change your phone number and there is literally nothing they can legally do.

[@katebray5120]

The family members that are being contacted have rights too You as a debtor have rights 100% confirmed if you do not answer calls or letters DEPENDING ON THE AMOUNT…. they will either give up, or the collection-$ will fall off from your credit report

[@katebray5120]

@ they can send letters if they get a good address. And they can find your new phone#. It is called skip tracing and it is legal

[@dannyking4138]

I do it in the UK I have been doing this for almost 20 years

[@kuriinaa6969]

4:27 do not listen to financial advice from this man😂

[@ceraz052]

Saw your comment at just this moment and spit out my food 😂

[@drzcrazd]

That is literally what rich people do have you never heard of the guy who is in debt a billion dollars he is rich by doing that

[@OfficialExplosionMusic]

Yeah, that's literally the dumbest thing anyone could do. I don't know anyone (in their right mind) that thinks this is a great way to get rich. Otherwise you'd see it more often.

[@theconqueror1111]

Yeah if you take out a credit card and max it out, you're never going to be allowed to take out another credit card, get a loan nor open a new bank account again. Seen it myself.

[@drzcrazd]

@@theconqueror1111 I'm talking about paying off debt with another debt I'm not saying maxing it out

[@gaveup]

Insurance is just betting against yourself.

[@sanji663]

Exactly why I need it

[@theWebWizrd]

That is why it is useful. It is hedging risk.

[@johnhein2539]

Works when you're old.

[@dark6c159]

but thats not the reason they are evil.

[@mufasafalldown8401]

Life insurance is a good idea if you have a family.

[@Ilasperr]

Please don't try and abuse balance transfers. It has its place to shave off interest if you have the credit score already but you will screw yourself over big time if you try to abuse it. Just putting this out there in case there are anybody out there trying to take him too seriously since financial literacy is nonexistence in the US.

[@LuckyLiarK]

Some of my old co-worker also do this, they explain it that you simply spend money from 1 loan to pay the other and then next month revert it, but you also need to have new purchase to make it like you are using the money to buy stuff not to lon to pay other, that way you can have a long run. I do not understand how they able to do that though because in my eyes, they still have a loan, the interest is still going, even if you prolong the loan, there's still a loan and still the interest you need to pay each month. I dont want to involve in that.

[@JDavis-mh4rg]

Medical debt is removed after 2years. Just ignore them and dont pay.

[@dojimaryotaro6563]

@@LuckyLiarK Yeah, that doesn't make any sense. I think what Asmon is saying is that his family basically defaulted on a bunch of credit card debt. The whole "they won't go after you as long as it is a lot of small amounts" sounds a lot similar to thieves only stealing items worth less than $1000 because that's the limit for a felony. It's a really stupid way to live your life.

[@Repeal-19thA]

His strategy works great if you dont gaf about your credit rating / are a total dirtbag.

[@lautarotrefilio4773]

i don't even know what credit score is or how it works

[@itsspookie]

I wouldn't take financial advice from someone who's gained their finances based on luck.

[@Iwhoiam999]

Yeah, I like asmon but his financial advice is pretty wreckless

[@Cutlas]

He was the kid who got what ever he wanted, talked crap an never got punched in the face, oh you don't want veggies with dinner its ok here's candy. Dudes so out of touch

[@Meathole7]

He’s just farming content 😮

[@jadaperez2169]

I don't have health insurance and haven't since I was little. When I get sick I go to the health department. Last year, when I broke my arm, I called and made an appointment with an orthopedic Dr. When you don't have insurance, there's no primary care physician to give you a referral so you save time, and by telling the office you are self pay, they know you're not faking anything cause it's literally out of pocket so they tell you how much will be owed when you get there, and they get you in as soon as possible. Also, I NEVER go to the ER they are so expensive, (a 500mg of Tylenol was $35.00) and most of the time they don't do anything but tell you what you already know. As far as dental insurance goes? For get about it. You need two dental cleanings a year which only costs about $80-$125 if you want x-rays. That's between 160 and 250 per year. WHY would I pay a monthly fee that adds up to be way more than that? ( I also brush twice a day, floss after eating and rinse regularly to insure myself there won't be any issues at those checkups.

[@mryellow6918]

£50 twice a year with x rays, why is your dental so expensive?

[@Trth1707]

Good luck, but as you get older , things happen. I hope you never have bad health.

[@jadaperez2169]

@@mryellow6918 that's actually cheap.

[@jadaperez2169]

@Trth1707 I wouldn't be able to afford the monthly pmt even if I had to have it and insurance usually comes with a deductible of 3000 or more on top of the pmts before they'll even start coverage.

[@peterstarzomczyk1613]

If everybody took Asmo advice, we wouldn't have a functional society.

[@pathos92]

It's why oathbteakers and liars were treated with such disdain

[@pathos92]

@@perilousintent2936 God is but I don't know what morality has to do with this comment thread

[@perilousintent2936]

@@pathos92 It doesn't. I just replied to the wrong person. lol myb.

[@smithynoir9980]

To a degree, I agree. However, so long as those at the top of our society and of our institutions act selfishly, behave in a way that exploits and takes from others, give me a good reason why the everyman should try to be better? Why should those with little try harder than those with everything to be better? To expect normal people to abide the social contract before those at the top of the social structure do and before the structure discourages and refuses to reward such behaviour, is a very flawed and unrealistic position to take.

[@rykehuss3435]

Insurance is one of those businesses where the customer needs and company needs are opposite. You dont find that often in other business sectors like hospitality or commerce.

[@RedHoodFH]

No it's true across the board. The point of a for profit business is profit. Thats always the bottom line at the end of the day. Everything else is fluff

[@randyrocha5846]

⁠@@RedHoodFHif you pay McDonald’s for a hamburger and McDonald’s accepts your money than McDonald’s does not actively avoid servicing you to increase their profit and save money. The original comment is a correct observation. The insurance companies want to deny all claims and the people under coverage want their claims approved no matter what.

[@RedHoodFH]

@randyrocha5846 because that's their business model. If McDonalds still got their money for not serving you, they'd stop serving you right away. When you sign on with an insurance company, there's a contract and fine print. Is that fair, fuck no. Life's not about fair. Sorry, you signed the contract and in that contract there's plenty of loopholes for them to deny claims. Its like going to get your oil changed at a dealership. They'll tell you there's 5 more things wrong with your car because they can drain money from you. You don't need those things, but they don't care. They know you're a walking checkbook

[@linkimpark1]

but at least health insurance companies want you to be healthy. so if health insurance says "xyz is healthy" and pharma industry (doctors) says "xyz is unhealthy" ... i'm more inclined to believe the insurance company. und they still pay for basic stuff like doctor visits, meds, etc. so i wouldnt say the insurance is the problem. its rather the american health insurance thats shitty.

[@hairyott3rr]

Not totally true. There's a reason why every other insurance advertises and "competes" for lower prices and customer satisfaction and market share. The reason why healthcare insurance is particularly messed up is because people do not comprehend that healthcare itself is an industry, from doctors and hospital CEOs to big pharma and yes, insurance. I see my friends saying it should be illegal for insurance to deny payment. So doctors and big pharma are always above board, have no incentive to jack up prices or do unnecessary lucrative procedures or tests? 😂 It's a mess top to bottom but the funny thing is the massive healthcare DELIVERY machines (themselves massive for profit corporations employing billionaire CEOs and armies of admin, and instructing their doctors and departments to maximize profit) have convinced the public that their nemesis the insurance companies are the real baddies.

[@orianna1220]

Spent 6 days in a hospital while my lungs were filled with blood. No insurance, got better and my bill was 80,000$. I was on unemployment after working so hard at a sandiego shipyard i got let go. I applied for help since i started freaking out at the debt collectors i.e. the hospital. The hospital told me to file for hardship ans help and denied me because of 1800$ a month in unemployment in sandiego with my rent and bills being 1000$. They knocked it down 20,000$ how gracious of them, now im only 60k in debt to a hospital.

[@irinaparent9066]

make them give you itemized bill, after negotiate a lower rate with eh hospital directly

[@memyself5924]

America... in Canada you literally would owe zero dollars...

[@ezka3037]

Germany too

[@pravadonisproductions6399]

File bankruptcy bro. Dont pay that. It won’t hurt your credit

[@john4845]

Just don’t pay lmao

[@LannaB-d3b]

Parasites is exactly the right word

[@amotriuc]

in the case of asmon he was the parasite ...

[@pascalromeijn8241]

@@amotriuc name me one human who doesnt fall in this catagory

[@fly8668]

​@@pascalromeijn8241 then that categorisation should not be used as a derogatory word.

[@TantricBioHacker]

@@pascalromeijn8241 Saying that if I don't scam then someone else is gonna scam is basically destroying the contract with society. Why are good neighbourhoods good its because people stick together and look out for one another. A human needs their tribe licinf in an anarchy gets old and pretty stressful when you have to worry about BS things half of the time in order not to get exploited.

[@CottidaeSEA]

@@TantricBioHacker It's the responsibility of law enforcement to ensure people don't do such things. There'll always be some who manage to cheat the system, but the goal is to have as few of them as possible and continuously going after those who do.

[@MrDGWK]

My mother is going through this right now because she has stage 4 ovarian cancer. she constantly gets harassed and has racked up hundreds of thousands of dollars for treatment in Houston and Dallas. It's sad because shes dying and try to live in peace but she can't because of something she never asked for. The world can be cruel.

[@fefino1411]

"It just works" - Todd Howard

[@Squeee-Meeesh]

So my psychiatrist didn't realise I was with a non-profit insurer. They listed out his charges for me being in hospital (psychiatric) - he charged 21 days consecutively and nearly the whole month. And I spoke to him for a total of 12min... a lot of the patients he was in 'care' of where suicidal and he never saw them. But I guess the dopamine form making money over-road general care. Health care should not be run like a business.

[@RandomOldPerson]

Psychiatrists in hospitals are like any other doctors, their job is to make diagnosis and prescribe treatments including medication during a crisis situation. They almost never physically visit patients. They read charts, attend staffing where they talk about every patient with the staff who is with them most the day, and give orders to nurses and others to carry out the care. They don’t do therapy, that’s what therapists are for. I used to be a teacher in a pediatric hospital. Our psychiatrist only had about thirty minutes a week of direct face to face contact with each patient, but he spent hours each day on each of them behind the scenes managing care. There’s no defense for pricing at psychiatric hospitals though.

[@Squeee-Meeesh]

@@RandomOldPerson I do understand that - consider - is a guy with that level of fraud really going to read nurses notes or really do anything when he's charging on so many days he didn't show up? A doctor who only cares about money - push em in push em out and cover ass - rinse repeat. Also to diagnose someone you need to speak with them for more then 15min. Just my opinion though. I wasn't seeing him for therapy. (edited for context) I went in to be assessed and was discharged 'requires assessment'.

[@RandomOldPerson]

@ No, they can make very accurate diagnosis in psychiatric hospital without ever meeting the patient, which happens when they are too mentally ill to Interact due to medications or emotional instability, or even just because they refuse to meet with the doctor. Everyone the patient interacts with takes detailed notes on them. It’s the equivalent of the doctor following the patient around 24/7. The 15 minute meetings aren’t for the doctor to learn about the patient but for the patient to learn about the doctor. A major problem with mental illness is the patients are inherently unreliable witnesses due to altered perceptions due to emotional instability or cognitive issues where they aren’t capable of accurately understanding what’s going on. Even if they think they can they are wrong because their minds are in an active state of crisis while simultaneously being flooded with powerful drugs. They are all in a psych hospital for reasons (usually but that’s another situation entirely). Most lie either to prevent longer stays or to cause longer stays if they feel safer institutionalized than on their own. Talking to patients is for the patient to feel safe and comfortable as possible, but it’s not trustworthy compared to the continuous observations by trained nurses and paraprofessionals. We know what to look for. The patients don’t. And even if they could they are too mentally ill to do so. Almost everything people think they know about hospitals, including psychiatric hospitals, is wrong because it’s from movies and TV. The reality of where and how the real work happens is too boring to watch for the average person.

[@Squeee-Meeesh]

@@RandomOldPerson Sure my point was corruption and the pull towards that in running health care like a business. Is that wrong? I have no doubt your right about your points given your experience. I'm also sure I'm right about the situation I was in with this Dr. The problem here is assuming I must have had a Dr doing his job because he is a Dr. But how can I assume that with the corruption involved.

[@dogishappy0]

I said this back before the ACA went into effect... putting people on insurance does nothing to lower the cost of the Healthcare being provided.

[@DonaldDeCicco]

Anything the government mandates (or subsidizes) will skyrocket in price. Especially when the government controls that thing tightly.

[@Nyet-Zdyes]

Donald (above) is absolutely right... Tuition... housing... medical care.

[@dogishappy0]

@@Nyet-Zdyes i was radicalized by the consistently dropping price of Laser Eye surgery. It was never covered by insurance, and the price went down year after year. The same thing happened to Doctor on Demand but in the opposite direction. The moment Insurence was accepted for telehealth, the price skyrocketed.

[@Nyet-Zdyes]

@@dogishappy0 Yes... my point about Donald being right is this... If Medicare starts covering laser eye surgery, THAT will become more and more expensive, too. It sort of "short-circuits" the processes which would otherwise operate to control prices. For example, with tuition, schools see a way to get into the "government's pockets", since the gov't is guaranteeing the loans. Same thing with housing, with Fannie Mae and Freddie Mac... Same thing with health insurance, especially because of Social Security and Medicare and Medicaid... and because it IS the government's pocket... except, of course, that we are the ones who put that money in that pocket.

[@p5eudo883]

@@Nyet-Zdyes No, he's not. Not entirely. Private equity and lack of regulation on investments is what drives costs up across the board. The government not stepping in allows corporations with means to purchase too much, control too much, and exploit that to siphon as much money out of our pockets as possible. I'm currently living in a complex where a property management company purchased the complex, then tacked on a bunch of fees, no longer included utilities, and jacked up the rent WAY more than the prior owner did. That wasn't government. That was a company seeing an opportunity to prey on people who need housing. They use software to indirectly collude with other property management companies to raise prices across the board, so everyone is stuck paying more. Short of uprooting and moving to another state or country (good luck, it's nation-wide and international), people are stuck paying more for no reason other than rich people wanting more money from people who can barely afford to live already. The only way to stop this problem is with government regulation. Housing should never be a for-profit commodity that corporations can vacuum up to artificially inflate value and extort citizens. And the problems with government that people are fed up with are the result of corporations corrupting government with lobbying. Ironically, it's those who love blaming government and claiming that businesses do it better who contribute to that most. Look up which parties supported the Citizens United decision, and which parties wanted to overturn it. Anyone not fighting to overturn Citizens United is part of the problem. They are corruption. And that revolves around corporate money manipulating government. Corporations just want to cut out our only layer of protection: the government.

[@Psyonex]

I mean, I agree but i aint using Asmongolds financial advice if it involves using new credit to pay off old credit.

[@williamyoung9401]

He's off the rails on this episode. "Because, money." 🤑

[@Psyonex]

@@williamyoung9401 Yeah this episode was some unhinged wisdom hahah.

[@boundlessblade5205]

​​@@Psyonex yeah I like watching his videos But this one had me like hold up wait up minute something ain't right here 😂😂😂😂😂

[@madmatt2024]

The banks are really the ones at fault here. No one should have given his mother new credit when she had no income and debt collectors calling!

[@Psyonex]

@@madmatt2024 yup, twisted game that some people have to play.

[@titolovely8237]

It’s not insurance companies, inflation or corporate greed. It’s wealth inequality. Every major problem we face today would be solved pretty easily if people earned the same as people earned before 1973 in inflation adjusted dollars. Back then the top 1% took home 7% of the wealth produced. Today the 1% takes home 44% and growing. It isn’t that everything is too expensive, it’s that the share of the pie you’re fighting for is too small.

[@hubertnnn]

It is all of it, and much more. Many of the issues are caused by the lack of capitalism, even more by the fact that most people don't even understand capitalism. We live in a new system that can be best named as "monopolysm", all thanks to governments giving too much power to businesses and not keeping them liable for crimes.

[@christopheryoung2874]

its also all the millions of immigrants coming every year to fight us for a smaller piece of the pie

[@_Dovar_]

Usury. It always ultimately comes down to the catastrophic ecnarelot< of this oldest duarf< in human history. The shell game of Western economy is nearing its end.

[@mitchellterry4961]

The bubble will pop. They will literally run out of customers.

[@kwadwog8168]

1:30 Do not just always lie. If you lie, and it is discovered (remember that are looking to deny) and any lie will get your payout canceled.

[@gaveup]

A hint as well for anyone in debt, if you are going to engage with any collector by phone or email NEVER confirm your identity every successful contact resets the statute of limitations on the debt.

[@kevintrabert1922]

No it doesn’t. If the debt is stale you must enter into an agreement to pay it to reset it. I had a very old credit card balance that they still try to collect on. It’s like 10 years old. I tell them I’m never going to pay it and not to call me and if they have any offers to settle they can mail them to me. All the letters come with the disclosure that the debt was legally barred from collection. I could turn around and sue them for calling but I’m not that petty. I just ignore them. Now mind you none of the letters they’ve ever sent didn’t include all the interest and other bullshit they charge. If they would have sent me a reasonable settlement off I probably would have paid it to clear it off my chest. But for 10 years they have been chasing me. Just rubbed me the wrong way they still want the interest and fees. Still call when I told them not to.

[@JaceKeller]

When someone calls me and asks “is this Mr Jace ?” My answer is always: “who are you ?”. I don’t give me identity before I know who is calling, same for email. I never answer them.

[@Prickly-hr5sf]

This is not true, the statute of limitations on a debt is a set in stone 7 year date from the DOS (date of services rendered) where after that time period your credit cannot be negatively impacted.

[@kevintrabert1922]

@ I think what he was getting at is that there are things that reset the SOL. Confirming your identity isn’t one of them. However making a new agreement to pay either in part or full will reset it unless it’s specifically stated in writing that a specific payment will pay the debt in full. If you don’t pay the full amount even if you settle unless you negotiate that the collector mark it as paid in full or removed. A settled payment can negatively affect your credit unless you negotiate that the collector designate it so it doesn’t. Of course after 7 years it don’t matter anymore.

[@gaveup]

I'm Canadian, sorry. Eh!

[@hotrodhunk7389]

2:21 can't get harassed if you never answer your phone 😂😂😂 One thing I've learned in my 38 years is there's always some government agency that you can file complaint to. After they get a bunch of complaints and legal letters from the government you'll have their vice president callinf you personally 😂😂😂 13:00 That's such an l take. They don't tell you what anything costs when you're in the hospital. $100 for one single aspirin pill... If they think I'm going to pay them $0.01 they're out of their damn mind. Last time I went to the hospital it was literally less than an hour they gave me one shot for nausea. They tried charge me $3,500. I flat out told the woman trying to collect that even if I had a million dollars I'd rather spend $3,500 on a lawyer then to pay them. Magically she could take $1,000 as full payment 😂😂😂 If they would have just charged me $1,000 to begin with I would have paid it with no issue at all. It's like somebody trying to screw you over at your absolute most vulnerable desperate time. It's diabolical it's evil and if you do it I pray for your soul.

[@Users_rx]

Literally 💯💯💯💯 cause i dont.

[@Stuntman707]

Their fees are inflated as well. The insurance company will say, we’re not paying that, we will give you 30%. Then guess what? The rest of the balance magically disappears! It’s magically written off. The whole system is corrupt beyond belief.

[@ethanfreeman1106]

firstly, your paragraph formatting is diabolical. secondly, you still got screwed over for $1000 and you somehow still sound proud. lastly, i tried watching the timestamp to understand what you were referring to by the "L take" but it still didn't make a ton of sense, as if whatever you tried to say had no relevance to what you were pointing at.

[@lodden1119]

If your debt is given to a collector, 90% of the time they violated the contract.. if you just say they've violated the contract by having them try to collect as an outside company.. they legally have to leave you alone. 👍

[@JDavis-mh4rg]

Your debt was never to a random dude calling you every couple week's. It was to the hospital. They sold your debt meaning its no longer yours.

[@chaddaugherty498]

Competition would fix the insurance problem. Let them compete across state lines. We need more choice

[@whirlaway1503]

This was a thing until Obama.

[@whocares9033]

Obamacare was a right wing project developed by the Heritage Foundation It was literally designed to keep people placated, because they were getting to uppity about pre-existing conditions Thing is, I doubt you knew any of that and were genuinely blaming Obama

[@im7254]

they would still extract profit from something that shouldn't be extracted from. and they would profit from denying healthcare. it should be a crime to profit from denying healthcare

[@Cbart23]

Large ones just buy up the smaller ones

[@Mictla155]

@@whirlaway1503 Yes but they could deny you if they wanted to for anything. Especially with preexisting conditions.

[@invaderjoshua6280]

That credit card advice was a mentally disabled take. Debt collection agencies eventually start calling your place of business and they start showing up, they put leans on your home and vehicle. They don’t stop at personally calling you. Please people don’t use his credit card advice.

[@Troopertroll]

12:23 - This is a bad one. There is one way for a lion to eat and for a gazelle to live. There are a million, billion ways to earn money that don't involve vampirism.

[@Preacher_.]

Ive been paying $584 every month for the past 12 years for the Health Insurance I have, thats $84,000... I finally got sick, and have so far needed 2 MRIs, and will likely need corrective surgery in a few months (that thankfully has a 95%+ success rate)... Problem is... I reached my 6.6k out of pocket cao for this year, but all that resets come Jan 1st... So ill get to pay another $6,600 out of pocmwt for my surgery next year... HORRAY HEALTH INSURANCE...... -_- (P.S. I have United...)

[@eriksvensson2098]

I just dont get US health insurance, at what point is it cheaper to just roll the dice and try to get on the next flight out to europe for ''free healthcare'''? 600 dollar is enough for a one way ticket.

[@cronos12_psn]

So, you never visited a doctor in those 12 years? How much was all the expenses before insurance? You paid in 84K, pay out a 6.6K OOP max, meanwhile how much did the hospital and providers charge for those expenses? Get mad at the hospital that charges 10s of thousands for each procedure. One hospital stay is most people's OOP costs for the year, then every followup and subsequent visit is 100% your insurer's cost.

[@schloany4479]

@@eriksvensson2098 Many countries have requirements that some people don't meet and pretty much the only people who actually care about healthcare don't have enough money to move to europe, buy basic needs and housing when they get there, can't bring their close family, or other money issues. A lot of people also don't understand how bad healthcare is until they get hurt or very sick, and then they're already tied down for thousands and really can't do anything except for work for the money.

[@lilsabin]

​@@eriksvensson2098 but the average US citizen have no idea how the world function outside their states 😂😂😂. They do not even know their own country

[@lilsabin]

​@@cronos12_psn ot is not the hospital, it is the insurance. Hospital adjust their fees depending on the insurance you have . We do not all pay the same amount 😂😂😂 for the same service... I work in the industry, trust me , there is more going on behind the curtain, A LOT MORE

[@stillnotchill2560]

@5:00 nobody is saying you shouldn't do it for moral reasons, we are saying its a really stupid thing to do even for selfish reasons because 99.99% of people can't rely on making millions from twitch or YT and at some point will need their credit to get a car or house or some type of loan/insurance to pay for medical bills.

[@louisbrill891]

If all you can afford to do is rent and you have zero hope of ever affording a house, debtmaxxing is totally fine. Bankruptcy and debt only effect your credit for 7 years.

[@theotherbacon]

Asmons advice is absolutely awful. He has gone from dirt poor to filthy rich and has never been in the situation that the overwhelming majority of us find ourselves in. Credit is a major factor (in the US) and it will 100% ruin your life if you don’t take care of it. Ignoring debt is a great way to make sure you will never find a place to live, be able to buy a car, or get any sort of credit card that isn’t insanely predatory. Anyone young out there, do NOT listen to the bald one, he is so detached from reality it’s ridiculous.

[@chromaticabberationsgiveme9811]

If you want real credit advice, get credit cards that give you a % back. You will save money in the long run because you put everything as monthly payments and get a % back for it. In fact you can upscale this operation by using multiple credit cards that give you % back or even using single cards that give a crap ton back, think amex gold. I was dirt poor and ended up saving tremendously this way since everything was on discount.

[@bellsofevelyn]

A contract is just a piece of paper?😂Tell that to a judge in a court of law. That piece of paper can get you behind bars

[@andrewgreeb916]

Contracts do not supersede the law, and contracts bind both parties.

[@Mictla155]

Contracts mean nothing. If there are no witnesses.

[@Mr.Kaladin]

@@Mictla155tell that to rental agreements, handwritten contracts, etc etc.

[@Mictla155]

@@Mr.Kaladin Eh who cares? You need at least one witness for a contract to be valid.

[@aerickmon3350]

@@Mictla155 they know that obviously That’s why the record calls, track email and more

[@NoTime4NoHo]

So let me get this straight, his argument was “if other people aren’t playing by the moral rules why should I? If people can get away with it, why shouldn’t they do it?” But yet us against Luigi’s actions??? Well if these companies aren’t playing by moral rules why should we? Ah, the hypocrisy in the logic. Oh, but there’s a line for the morals? No. Once you’ve established that no moral boundaries is no moral boundaries everything goes. It’s not, “oh well some morals are a non negotiable.” That’s not what your claim was.

[@Totsy30]

I hate when people use that “if others are doing it, so should I” mindset. That’s just an excuse that morally bankrupt people use because they ASSUME that everyone has no morals like them. Sadly society promotes being greedy over helping others, so this isn’t going anywhere. You are right about Asmon’s hypocrisy too.

[@whiskeyniner6416]

@NoTime4NoHo Its sad how people think Luigi is some kind of hero by shooting an unarmed man in the back even though the ceo worked for an insurance company. Lets be honest the ceo works for the company and is owned by the board/shareholders. Hes just the face. You can hate the institution and think Luigi is a cowardly moron. Two things can be true at once.

[@NoTime4NoHo]

@ notice how you couldn’t argue what I said but something I didn’t say. Try actually arguing what I said please.

[@Totsy30]

Edited because KZbin made it look like the reply was to me. Whoops

[@whiskeyniner6416]

@NoTime4NoHo Ok. You're basically justifying murder because muh company bad. Didnt change a thing at all. Luigi's dumbass murdered someone to basically virtue signal.

[@michaelmacarthur8322]

Lying on an insurance claim or when taking out a new policy is never a good idea. As for avoiding debt, my conscience wouldn’t let me just ignore it; I loaned it it’s my responsibility to pay it back.

[@bluebebop2337]

vice is as legit as my father who left me

[@Oneiroi0]

Corporate bootlickers.

[@JL-wf2wp]

He legit left you

[@SireRose]

haha no father

[@luierdaneenpamper3877]

Ahw.. you must've been a terrible son... 😢

[@benmeech4972]

When you harass so many women you have to become a moral authority.

[@Ramses060784]

asmongold you used to be poor. don't spread a negative role model now just because your life changed thanks to people mocking you, be grateful we find you amusing

[@williamyoung9401]

He's off the rails on this one. I'll bet he takes this video down.

[@Zan_Jayna]

It's easy to give advice from the peanut gallery

[@bossmanebz]

The interviewee may be naïve yes, but it's been shown in psychology that when people do immoral things it eats them up inside until they 'atone for their sins' unless sociopathic. Most likely why they're exposing this as a way to feel they've reached atonement

[@RandomOldPerson]

Catch is, we don’t all have the same morality. Most of us have no guilt in harming evil or cruel or predatory organizations or people that thrive on unjust suffering of others, especially vulnerable innocent people who had the choice “debt or death” because in our morality fighting and harming evil is a moral duty. It’s immoral to feed monsters the same reason it’s immoral to negotiate with terrorists.

[@joppekim]

Paying off one credit card with another credit card is not good financial advice.

[@skydewz]

I save ~2k/month alone not paying for insurances. If anything ever does happen, I have plenty of money to cover the bills of whatever the incident may be with money left over

[@Peek-A-Boom1]

CEO SLAUGHTERED lmfaooo💀

[@sillyputtyisfun7567]

Needs to be more of this.

[@AQS521]

Bloodborne 2 confirmed???

[@KazaiTV]

Important information about Luigi: His family and Nancy Pelosis family have long and deep ties to each other. They are both beyond corrupt. • Cyberattack Timeline: A major cyberattack on UnitedHealth Group in February 2024 coincided with Paul Pelosi's $4 million investment in Palo Alto Networks, which later investigated the breach. • UnitedHealth CEO's Death: Brian Thompson, UnitedHealth CEO, was murdered shortly before he was set to testify in a DOJ case that could have implicated Nancy Pelosi in insider trading. • Luigi Mangione's Role: Luigi Mangione, a tech-savvy scion of a wealthy Maryland family with historical ties to the D’Alesandro family (Nancy Pelosi), was arrested in connection with Thompson's death. • Potential Insider Trading: Speculation suggests the cyberattack could have been orchestrated to facilitate insider trading benefiting the Pelosi family. • Pelosi/Mangione Family Ties: Nicholas Mangione, Luigi's grandfather, had ties to Thomas D’Alesandro Jr., Nancy Pelosi’s father, raising questions about long- standing family connections. Now she broke her hip and lies in the hospital, we all know what a broken hip means for the elderly.

[@JustinVan1986]

I know someone that says they knew Brian Thompson personally from college at Iowa. They said that he went into that position wanting to make a difference but we’ll never really know. Not getting much if any change out of a company that size in 3 years, especially in something as messed up as health insurance and being the sub of a larger company. To think that a CEO has much influence on the methods used to determine coverage they can provide to certain health tiers of people is a bit naive. To think that insurance companies have much influence on whether your healthcare provider is going to follow guidelines of the coverage you are paying for is a bit ridiculous. Even things like the lab they send your blood to or where you get the Xray done can make a big difference in cost. The cost of healthcare is ridiculous and much of it starts w/ regulation and legislation. Also, how unhealthy USA is overall as well as how many people have to be given care that will never pay. And the legal costs that come to hospitals and providers is huge.

[@Lovell93]

Lmao every Asmon video is a surprise. You’re either gonna get a great take and advice, or you’re gonna get a shit take and advice.😂

[@aligutmann392]

It truly is the Schrödinger's cat of takes in every video. At least he is honest about his opinions. No one should be taking any KZbinr's takes as advice, anyway.

[@whiskeyniner6416]

Same as his single payer healthcare take. Yeah, lets have the govt take over our healthcare with their record. I honestly cant tell when hes farming or being serious at times.

[@johnthomas1422]

Either way, the advice is going to come from someone who truly believes what they are saying. Missing the majority of his teeth, still willing to give dental advice, the asmon way.

[@johnthomas1422]

​@whiskeyniner6416 he's being serious. He thinks if the government does it, it's free. He has no idea that single payer woukd be the governments excuse to raise taxes to 90% with the excuse, "you don't want go sacrifice your government run healthcare, do you? 90% taxes or else!"

[@JoseLopez-gi9sf]

I knew a lot of people like Asmon and I could say the only reason it works for them and they live happy lives is that they are white and or they already own a home with no mortgage. Anyone else that kind of advice will destroy the person. We can't afford to go into debt. We can't afford to not answer the phones. We try to be decent people and people like Asmon get away with it because they can. Minorities can't do that and expect to be treated fairly. You have debt. Guess what you can't rent a house. You make too much money to go on government housing. And you the government won't give you any of the incentives they give other people.

[@AprilShowers-d9k]

OMFG "lions didn't agree to a TOS"... that fkn got me!!!!!!!!!!

[@ItsAllCulturalMarxism]

DO NOT TRY Asmonds advice with the IRS or state tax collectors.

[@jonrussell739]

I'm pretty sick of Asmon's lowest common denominator morals. Intellectually, I like some of his ideas, but he was not raised right. An entire world just doing whatever they can get away with would be an awful world to live in.

[@VladLad]

Yeah I agree china is awful to live in. but the government is always the root cause of this problem. And blaming people for surviving is even more immoral

[@Dvrvs]

That’s largely the world we live in, and yes, it’s awful. The 1950s America is over. Get yours

[@jonrussell739]

@@VladLad Taking from others is not surviving. People stealing make up, video games, and other shit they don't "need" ain't surviving. It is scummy.

[@VladLad]

@@jonrussell739 thats not what we are talking about, we are talking about not paying medical debt. stealing healthcare/housing/food are all in the survival triangle. and stealing videogames is a victimless crime.

[@smithynoir9980]

Why should we try to be better than those that have shown that being bad is rewarded and rarely punished? Natural good change starts at the top. Not the bottom. Change from the bottom up is always violent revolution.

[@Zanathal]

No matter how you slice it insurance is a scam. No matter how you slice it. I have always wondered why people pay into a system that MAY help you when you have an emergency. Thats like picking a field for college and MAYBE they got a job opening for you, yet your 60k in the hole now. We lack basic education in this country.

[@kagerouge9007]

People in the west actually pay scammers called "therapists" to tell them how to live their life. The whole western society need to keep that mentality, it works for everyone.

[@caryphillips4885]

I think, until Obamacare, you had the ability to opt out of it. You'd have to be gullible to buy it at that point, but then you got fined for opting out of it, which raised the percentage of people covered right up to 90 something percent. That amount of market share means complete control and ability to collude with the hospitals to scam the living piss out of everyone. We have to start opting out. Some of the more determined among us are willing to risk our lives to do so. I hate them, I don't care if I live or die as long as they get bent.

[@mitchellterry4961]

The alternative is rolling the dice that you never get hurt.

[@Zanathal]

@ no it’s not.

[@caryphillips4885]

@@mitchellterry4961 Nope, the idea that adding a middle man somehow serves any purpose at all is silly.

[@kueapel911]

As someone who live in a country with single payer healthcare, I can say that it's sucks for the doctor, meh for the user. For user, we need to struggle with insane queue time and waiting lines. But after we dealt with it, we eventually get the treatment. Although mediocre, it's still better than nothing. For lower income families, it's a godsent. For middle to higher income family, aint no way. But for the doctors, it's absolute extortion. The government pay them 6000 IDR (40 cents) per appointment with BPJS (indonesian single payer healthcare). The hospitals are being reimbursed only for the cheapest available medication, and it have been that way for the past 10 years, the amount never go up despite our insane inflation rate. The worst thing however, EVERYONE are being forced to pay for it. Despite not using it or already using private health insurance, we're forced to pay. In fact, it stifle the advancement of medical tech in Indonesia by a lot because there's practically zero incentives to make any breakthrough with such little reward. No, health insurance companies are not inherently parasites. Just like any other private company, it can be great, but it can be corrupted with greed too if left unchecked.

[@Thestuffonmainstreet]

Said like someone who has zero experience with healthcare costs. Having a child in the US costs more than what most people in world make in a whole year.

[@daveb3910]

That's the balance, there are always give and takes

[@kueapel911]

@@Thestuffonmainstreet thank you, for dismissing my own experience. Have a good day.

[@000petar000]

I also live in a country with single payer healthcare and I honestly prefer this system. Queue can be long but that means everyone is getting treated and people aren't ignoring medical issues because they can't pay them. If you have money you can go for private healthcare and in my estimation their prices are lower because there is public almost free healthcare. (Usually paid by employer) Doctors exist to save people, If majority of the people avoid health problems and their life ends, how is that good for anyone? I honestly wish their wages would be higher but not at the expense of the people. I'd rather have worse doctors and everyone getting treated compared to having highest paid doctors in the world that benefits only insurance and rich people, obviously I don't want them to be terrible especially surgeons and they are not but there is always a trade off.

[@kueapel911]

@000petar000 it is true. I myself live in a quite unique situation where I use the healthcare system because I'm poor, and my sister uses private insurance because her husband is above average income. I know both aspects of our healthcare situation, and the best I could surmise from it is that anything have it's price. Only that the single payer system is something like spending someone else's money for us. I have 3 doctors as friend, and 4 of my cousins are doctors too. Every single one of them struggle with BPJS because they really have high idealism and wand to help people, but their life a lower income life unlike other doctors because of it. In ideal world, single payer system could be awesome for everyone. But we're not living in an ideal world. Greed permiates every aspect of life, and the government is way more corrupt than private sectors. So the price for everything involved with them always over inflated.

[@support_mage]

10:11 walking the thinnest line here because the constitution is also just a sheet of paper. a contract is a legal binding oath between two parties, an agreement of sorts and it almost always has contingencies in case of one party failing to uphold it. when you sign that piece of paper you are going to be held to each and every terms written on it. so either don't sign it or uphold it properly, else you will have consequences. of course I also agree health insurance companies are the cause of many issues in American healthcare infrastructure but to say you can constantly cheat the system and getaway with money is rather misleading. many have tried and failed. either his story is fake af or the amount was so small that nobody bothered and docked a -ve credit score on his mother's account.

[@spacetoast99]

True. But the constitution is also treated like an ala carte menu that the government gets the pick and choose when they do or don’t have to abide by it. Definitely not anti constitution or anything but it just is what it is and that’s what it is.

[@VBM1]

@13:00 -13:25-- the problem is you already gave all your money to the insurance company every month in hopes that when things go wrong they have your back. The debt is bs because you've already paid for the service. You've met the deductible. You've waited on the referralto a specialist, you've suffered an extra 6+ months seeking care as an insured person- and you were DENIED for BS, and your family isnt wealthy enough to sue so you just DIE. Thats the problem. If we paid for groceries, we shpuld get them? Is that so crazy? Its already the most expensive healthcare in the world, if we are giving you money, just do your jobs. Denials shouldnt be 22% national average. Thats insane!

[@adamb6119]

In a long term Asmond's apprach is detrimental on different levels for the society. It is bad for trust, it is bad for respecting the law, it is bad for economy. On the other hand it is hard to expect people to be moral of they are screwed on daily basis not only by corporations, but also by government which sides with those corporations.

[@deedeedeedeedeedeedeedeedeedee]

Common person not trusting/not caring is how we got in this situation

[@smithynoir9980]

The law not being trustworthy or respectable is why someone took it upon themselves to do what the law and courts should have been doing; regulating the greed of health insurers. Trust and respect of the law is earned. It is not freely given. If our law and economy do not serve us, we do not have to respect it. We create the economy and law, people come first, social structures should always be acting to justify their existence.

[@Snideorsnark]

sorry but i seriously doubt this phone worker has insider information, she knows what was announced at employee meetings, she wasnt in board discussions.

[@whocares9033]

Word travels. I know things about my company that I shouldn't

[@TheNotoriousMrDee]

It's Vice; you have to expect a lie or five or six.

[@channingtaintum]

It’s Vice. The person in disguise and stating very obvious information is probably just an employee of Vice, and they put this video out to attempt to salvage their decaying relevancy.

[@Nuck-Fo0bZz]

That commentor is right. Only poor people with no money/few assets, and that don't take large sums of money can do that kind of stuff. Otherwise you get sued and they will garnish your wages. But if you are say, on disability, then your monthly check is basically untouchable, even by the courts that would place a judgment on you on behalf of whatever company sued. You also can't just take a loan or max out [a] credit card[s] without ever paying anything towards that debt. That will get you sued quick, whereas if it looks like you've made an effort to pay your debt, but then couldn't afford it or stopped for some other reason, then they're much more likely to sell said debt in that case. Will definitely trash your credit though. And in a day in age where even a decent used car that will last you a good while is many thousands of dollars (outside of what most people can simply save for) I definitely wouldn't recommend it.

[@ProjektEin]

This is a story about a debt collector, NOT an insurance company. This is insanely skewed and out of context just for the current social hype.

[@ChaoticHoly]

It's the same difference, when the insurance company owns the debt collection companies. There is no such thing as "3rd party."

[@aguy7407]

She said she worked as a subrogation attorney with a major insurance carrier. When you’re deemed not at fault for a claim, the at fault party will be harassed by your insurance company to pay them whatever payout you received upon the claims conclusion. This is about insurance companies. If the subrogation team is unsuccessful, the debt is then sold to a proper third party which to the other commenters point may also be owned by the initial insurer. All of the anonymous persons stories are demands and orders given from an insurer.

[@ProjektEin]

@@aguy7407 working in the P&C field (this is completely different than the Medical/Health insurance field), the insurance companies don't "harass", the lawyers that won the case or the debt collectors do. As that person is owed money by the person who was At Fault. That's just normal and warranted. Using "'may' be owned by the insurance company" is just a type of straw man argument. This person is angry at the debt collectors relentlessness and dubbing it as the insurance company as a whole. They even said they get commission off the debt collector fee, the insurance company has wiped their hands clean of it and just raised rates for everyone else. My vision could be off though, I work in a different field and deal with accident claims. I've received a collections from a healthcare visit, hospital didn't call me once. The debt collector definitely did though. They desperately wanted their $50.

[@chromaticabberationsgiveme9811]

Regardless of who this person is, which is clearly only someone who signs off paperwork; insurance companies still arent the primary suspect of the healthcare industry. Once again, the medical professionals who schedule redundant tests and give random prescriptions that are the most expensive are the issue and always have been. More people have died to medical malpractice in 1 year at the hands of doctors, nurses and surgeons than 10 years of health insurance denials. People just dont know what they should be targetting, they just think luigi was justified because it was a CEO, they dont think about it.

[@Tenshuzente]

"Just don't answer the phone" bruh they called my work and garnished my wages. 25% of every paycheck I have no say in.

[@NostraDavid2]

Simple fix: just don't have a job 😂 If Asmon can do it, why can't you? /s

[@JodyBruchon]

*I don't have health insurance and never will. Make them go out of business through attrition.*

[@handle-056]

It’s not American insurance companies’ issue, it’s insurance industry where greedy insects gather around.

[@irocksup123]

Don’t forget the hospital systems are in on it too

[@PeterPanbe]

it's limited to the US. Other countries take care of their people.

[@cirescythe]

​@@PeterPanbelol yeah sure. Im german. We HAVE to pay roughly the same amount every month that an insurance in the US would cost me. And that does not cover everything. And then you have to wait forever for an appointment because you dont have private insurance. Its still a two tier system. So far i did pay roughly 80 to 100k in insurance money, never got sick, had to visit a dentist once and had to pay extra for it nonetheless because only low tier toxic fillings are being covered for "free".

[@PeterPanbe]

@@cirescythe Move to Begium ;-)

[@Koopwins]

Don't do this with capital one, they will take you to court over a thousand dollars

[@potsandjacks]

If EVERYONE canceled their insurance on the same day they would fail within 1 month. I would be glorious.

[@freeallfaded]

Can't, unless you want a penalty. Thanks Obama

[@TundraCrow]

They would do what that stock market did when Gamestop's stock was rocketing upwards. They shut down access to people buying and selling to protect the rich idiots who owned the kinds of stocks that improved in profit if the number when down. And they would have to pay someone to buy those stocks back and all these newbies buying the normal stock as causing these rich folks horrible loses if they tried to sell their stocks.

[@beebimbop]

@@freeallfaded Used to be the case, now I don't think there is a penalty. Edit: Nvm seems to be dependent on the state & income bracket

[@potsandjacks]

@@freeallfaded dont pay it

[@potsandjacks]

@@TundraCrow cant stop you from canceling

[@TGIDante]

The hospice situation happened to my mum. My father had ruined her credit, and she was dying of cancer having to deal with the credit agencies.

[@Ki_Adi_Mundi]

6:50 You're absolutely right, that is _not_ stealing... ...it's fraud 😂

[@trumpetmasta92]

Had a debt collector call and answer with my name. Just repeatedly saying my name. He wanted me to verify by me saying yes because then they can continue to call and harass me. I just tell everyone they have the wrong number.

[@abel5333]

@trumpetmasta92 yep, everytime they call just consider them losing money in effort and more leverage for you :)

[@madmatt2024]

Just demand that they send you proof of the debt every time they call you. They legally have to do it and it costs them money every time. To top it off, sometimes they can't find it which means they have to erase the debt.

[@T.S-m2b]

In Germany they dont bother calling, they just send you letters and each adds around 1,50€ to your debt for sending fee, if you ignore them they just summon you to court and if you don't come you lose by default, then you need to pay or they collect it from your furniture, car etcetera.

[@Willy_Tepes]

They take your car, you lose your job and end up on welfare? That does not sound socioeconomically viable. If that happens to enough people, the beer halls might get rowdy again.

[@angrycatalan325]

From the same guy as in: “if in a strike you prevent someone from working it’s kidnapping” or “it’s immoral to harass the CEO of a health insurance company”, now comes: “if somebody else isn’t playing by a moral guideline, why should I?”

[@deadlyremix4115]

i mean he's not being a hypocrite technically he is still living like an animal as per his advice. he's living in his own best self interest, even convincing other people to live in morals when it benefits him. think a bout it

[@thothmark]

Tapping into why I left working for an insurance company making 17$ an hour in Greeley, Colorado back in 2017 to be homeless in the summer of 2017. Talked to a lot of USAA customers.

[@ghostridergunship]

6:51 but then they'll just stop letting you borrow because your credit score is such crap.

[@KrayZieTyler]

Never ever use credit cards to pay off credit cards, it's stupid. After a while, you'll destroy your credit so much that you will no longer get approved for loans. Depending on your loans, if you go into too much debt, a bank can legally sieze your property to cover your debt

[@MadJack707]

If I had property to lose, then sure 😂 but nobody is going to own shit from Gen z so might as well CredMaxx

[@abel5333]

@@KrayZieTyler you're acting like we have something to lose 😆.

[@FonFreeze]

soon will be food, air, water insurance.

[@MiaMizuno]

Taxes for every poop

[@MiaMizuno]

Toilets will be scanning Devices, and as soon as shit Hits the ceramic, it will do a "kaching" Sound, and Charge taxes, based on weight

[@hoi-polloi1863]

The main thing I learned today: DO NOT lend Asmo any money...

[@JourneyofOne971]

"you know what, let's not talk about that." That is a man who is learning from his past and using that knowledge. Nice.

[@aj897]

This is another reason why our system is so expensive, free loaders like this who rack up medical debt just to die. 😂

[@procow2274]

Dont remember a boss fight where that first pic was taken

[@qbek_san]

Please, PLEASE don't listen to Asmongold about moral values. Terrible role model.

[@joeydgraffix]

Been through bankruptcy, the TOS mean NOTHING when it is in favor for the customer. They are only useful for corporations.

[@johnp8525]

I used the debt validation practice with my debt collector and the first agency sold the debt to another agency, which in turn sold the debt to another agency. The agencies were not able to validate the debt so they kept on selling my debt to different agencies... so eventually to stop the agencies, I sent them a cease and desist notification and told them I would sue them and never heard back from the agencies. Per the rules of the fair debt collection rule, if they cannot validate the debt, they cannot report your debt to the credit score agencies. It was alot of work but worked per their rules.

[@someramencl317]

Asmon, have you seen all the ads lately on YT where they’re literally promoting porn? How can they demonetize videos on YT, make everyone else go woke, but promote porn sites? Any thoughts on this if you see this comment?

[@bluegoose7832]

Inb4 he's investigated for fraud

[@N-o-Trust]

Asmongold: being a credit thief is good 😅

[@nicknevco215]

Expected

[@iamgoing24get]

It’s immoral to do that and also horrible financial advice. You are literally describing theft

[@Sleeptastic]

The vast majority of people who can afford to be on private insurance won't trade it for single payer, which is the #1 reason why we don't have single payer. The #2 reason is no one wants to pay for it

[@jumpinthedog5533]

The problem with your mom's strategy is it keeps you permanently behind and it eventually catches you. The house always wins.

[@HeroC14]

I think there are some people who know they're behind and only find ways to avoid instead of growing and moving forward.

[@tero2444]

His mom died with hundreds of thousands of debt. The house lost.

[@TheHealthyCow]

this is not true. i got out of 27k credit card debt by simply ignoring them for 7 years.

[@Cosmis5]

As a victim of identity theft, debt collectors are so annoying.

[@nicknevco215]

Yes happen to my uncle tried to abuse his insurance

[@abel5333]

@Cosmis5 lol... yeah 😉 I've never heard of this person

[@Repeal-19thA]

This guy usually bullseye’s every topic he covers. On this one he’s objectively wrong (regarding debt collection).

[@whocares9033]

No, YOU'RE wrong, but I'm not gonna say how (only that you're wrong)

[@mrgobbleton]

​@whocares9033 this is asmons worst take ive ever seen unless you never want to own a home or have anyone ever willing to lend you money

[@Repeal-19thA]

@@whocares9033 TLDR;the West is based off a high trust society, without it we regress and services that are there to help will eventually cease to exist if everyone is a dirtbag

[@CrunchgTime]

Some old guy pulled out in a two lane street when it was raining and basically stopped in both lanes, I slammed on the brakes but was sliding so I swerved to not crash and I barely nicked his bumper, I saved both cars from being totaled and now my insurance went up $100 a month even with no tickets or other accidents… Kemper is the company btw f you kemper!

[@haodayu2265]

The ironic thing about private companies that provide essential public services is that the for-profit motive excerbates both adverse selection and price gauging, defeating such services' point. It is something that benefits those companies and their C-suites, but harms those rely on these public services.

[@skatr62]

Jesus christ please dont listen to anything in this video as advice, the only reason he says any of this with confidence is because hes wealthy enough to have gotten away, his advice will ruin your entire life.

[@Tidepodious]

"Insurance companies are parasites" proceeds to tell story where he is a parasite lol

[@ethanfreeman1106]

why people would put their trust in insurance companies is beyond me. the whole idea of having insurance money put away in some other people's hands is pointless and meaningless in the first place. i say US people are simply getting what they deserve, and it's about time they woke up and accepted that sometimes things can go wrong, and no amount of insurance is going to help make it any better, and even if it did offer some potential and theoretical benefits, having to deal with "claiming" that insurance makes it entirely not worth it. if you really want some sort of insurance, create it yourself. have contingency plans. saving up money works, too, but the key idea is to prepare for the worst case scenarios yourself so you know what to do once they do happen, so it's not just about saving money but knowing what to spend it on. that's a much better use of money than buying insurance. they're selling you an idea, and if you buy it, you're a sucker.

[@ethanfreeman1106]

i'll say it now: the US doesn't have an insurance problem. it has a sanity problem. most people who fall for these either obviously outright or very subtle scams are insane for relying on a sheet of paper, thinking it'll help them live their lives better or keep them safe.

[@ethanfreeman1106]

i'll say it now: the US doesn't have an insurance problem, it has a sanity problem. if you're sane, you won't fall for such obvious scams, that rely on people's blind trust, in a system that benefit the people who run it, by selling people a lie. the lie might sound comforting at first, but when reality hits, what rights do you have to complain?

[@AppleInk]

Finally someone with common sense.

[@jessicaavery1080]

We don't trust them, but we also don't have a choice. Many Dr offices won't treat you without insurance, or if you have the govt Medicaid even, and hospitals charge outrageous sums because of insurance (regardless of if you have it or not). My husband has a kidney stone and went to the hospital. They had him pee in a cup, where he passed it, and still charged 6000 even though he was never even put in a room. Our system is incredibly broken, but the ones with the power to change it do nothing, so we're left to suffer

[@ethanfreeman1106]

@@jessicaavery1080 i'm really sorry to hear about the broken system. i thought health care was bad in my country, but i was never more glad not to have been born in america. it sounds a lot like to live in the US is to suffer, with how the systems designed to help people end up becoming tools to extort them and abuse them. nobody can be happy that way, so i think the best way long term is to get rid of that complicated mess of a system altogether, rather than to cling onto it and let it suck you dry. but if you say you had to pick it because it's still better than the other choice of having nothing, then i don't think you get to complain about that choice - since after all, who else picked it?

[@team3am149]

Most accurate and based video Asmon has ever done.

[@mbr05c]

Asmond is so stuck up on single payer. Single payer sucks in addition to what we have now. The fix is to get rid of all the lobbying power, not to force everyone into a crap system.

[@GuitarJester89]

You can ignore their calls. But remember, only like 5 states currently dont allow wage garnishment. For the other 45 states. They can garnish 25% of all your paychecks to pay back the debt. Without your permission/consent. So, careful. Lol

[@Yumums]

Depends on the dept. Medical can't be held against your credit, so we're safe on that front.

[@TySinclair-wv2xw]

They can't garnish without your permission or consent. They need to take you to court for that to happen. If you don't show up, then they set the terms without you

[@ers-br]

In BRAZIL we have a public health system... which costs a lot to the government, but it ends lowering prices of private health care plans... also medicine/drugs prices are very low here. US middle class ends having a worse life than our middle-class when health is not 100%... it seems that at least.

[@nemesisalex9424]

Cause big insurance and big pharma work together to inflate prices as much as possible. Insulin for example is insanely expensive in the US compared to litterally anywhere else specifically because insurance and pharmaceuticals get to put whatever prices they want and just make that the norm everywhere through collusion. It should be illegal but the gov gets a cut in the form of donations and sponsorships during election season

[@tony_5156]

I know some people who travel to Brazil for vacation and while they are there they buy the same drugs but for fraction of the costs. They smuggle them back here no issue.

[@raeannaruby8306]

3:15 i have 5 kids. I hand the phone off to the first toddler i have on hand ....

[@anotherlover6954]

Morality is not for you to decide, Asmongold.

[@kanaria-cu3uv]

so many people can’t tell the difference between ideals and reality

[@lordwolfguard5978]

Something tells me Asmongold has had to "send a few messages" himself lol.