Deductibles and Coinsurances

[Disneysonglover]

I almost understand

[C100WA]

My bank account has money in it

I have good finances

[TinyTurtie]

Health care Should be free, every human deserves to live healthy, and shouldnt have to  pay for actually living!

[tmgibs34]

That's right. You should just sit on a sofa while somebody feeds you!!!

[aadailey]

So you want to pay for other peoples health problems?

[pokeyugi13]

its called helping those who are less fortunate

[Poonard]

@TinyTurtie so the people who provide that healthcare get paid how?

[hamiltonwallace]

Wow, what tortured logic!! So, moving to a healthcare system like those in Canada, the UK and much of Scandinavia will foster living habits as reckless as seen in those countries? You might want to check the obesity, heart disease and stress disorder rates of those countries compared to ours.

[grandmaster579]

LMFAO you think Canada has worse heart disease than the US???? Just because we have very affordable healthcare doesnt mean we all go out and break eachothers bones and eat all the red meat we can you moron. Theres people who eat bad food and theres people who eat good food like any other developed country in the world. One BIG difference is the portions of food in the US are practically DOUBLE that of in Canada for fast food/restaurants.

[katiebeark]

where did you get that idea?

[MEGASPARKs]

Health care should be as close to free as possible. look at Europe, people aren't living recklessly over there!

[urmumsfrend]

finally I understand, the visuals really helped a lot instead of just reading the definitions that the insurance company gives

[datboipinoi]

can you explain why universal health care is impossible? or at least why america doesn't adopt a national health care?

[SaveOurWorldGoVeg]

yeah

[stupidaznmunkey]

wouldnt we liked to have had our classes taught in this format instead of just out of a book...

now if we can only educate everyone about social security and its involvement in health insurance that would be great!

[pancakezen]

I'm in Canada and having universal health care doesn't turn us into reckless alcoholic gluttons... I think the key is preventative care, but since its more lucrative for drug companies and doctors to keep pumping out drugs I don't think that's going to happen anytime soon in the American health care industry.

[bonilloa]

I'd like an alternate audio track.

"Your deductible is what the insurance company has put in place to deter you from seeking medical care as much as possible, and to make sure the healthiest people still get it stuck to them if they need noncatastrophic services. Even after your deductible, you will still be boxed into incredible limits and continued costs."

[bonilloa]

I like how they ridiculously call a deductible "a way for Gary to shoulder some responsibility for his health." Gary will do what Gary does, but it does not absolve insurance companies of the damage that deductibles do.

The amount that insurance companies milk from plan members should be covered by the huge amounts that employers pay to insurance companies.

[AssyrianRebel]

No one wants to get sick. Just because you can get treatment, doesn't reduce the unpleasantness.

Places where health care is free (all of the industrialized world except the U.S.), people don't go on crazy sprees. In fact they are generally healthier than the states despite health care being free.

The unhealthy behaviour has more to do with cultural life style (diet, activity etc...), than it does with people's feelings of personal responsibility. Sure it factors in, but less so on mass.

[billicopter]

Anyone seen Sicko? In America there is no such thing as healthcare insurance.

[Konve]

So, in short, it's the worst system ever invented?

[vbyuer]

Are you serious? Just take a look at the statistics, look at the average life span (which should be the best indicator of average health) of the people living in countries with universal health care, for instance, Japan, United Kingdom, France, Sweden, Switzerland, Italy, Australia, Spain, Norway, Israel, South Korea, and many others. United States ranks only 45th in average life expectancy and it is one of the very few if not the only first world country where there is no universal health care.

[BinkieMcFartnuggets]

And where exactly does the "Tortfeasor" fit into all this?

[domulys]

I'm not convinced that people would live any more responsibly if their healthcare wasn't free. As you admit, people don't do it today... what evidence do you have to the contrary?

That being said, there are other reasons why "completely free healthcare" cannot be a reality.  For instance, if someone invents a $1 million prosthetic eye, who gets it? Everyone? No one? The answer HAS to be, the rich, who can afford it.

[KickPunchKick]

Dont know how they do it USA,but i Europe people avoid being unhealthy because it feels bad, not because they have to pay for it... Smoking, eating junk is a slow "killer" so that is not being reckless, avoiding driving fast on the other hand is reckless and some sensible people avoid it because you just might die

[nestorrfortuna]

i used to get all mixed up about health care cost.

now i live in canada, and i am glad i have to worry about taking care of my health only, the gov pays via my taxes.

heil canada!

[kpkost]

Though I understood it all before this video, this was an excellent explanation that landed you a subscribe.

[froggynaan]

That's ridiculous. I wouldn't live more dangerously if health insurance were free. I fear death, not high health care costs. I hope most of the rest of the world has as much a will to live as I do. Do you?

[Lifted84]

I have free health care. I live in Canada. Free health care works just fine here. It doesn't cause ppl to live recklessly.

[tjparsell]

I didn't need to get to the end - to figure out this was produced by a health insurance company. Basically, you squeeze the insured and the providers for every dime your can.

[arts11]

moral of the story: keep yourself healthy so you dont have to pay so much

[arts11]

moral of the story: take better care of yourself so you don't have to pay so much

[pyr666]

not that your vids aren't nice and all, but 44k views and 1 comment? -,-

[Dvon5000]

i.e., how you get screwed into paying for something that should rightly be yours as a citizen.

Look outside America's bubble, you'll see the rest of the developed world actually takes care of their people.

These are professional videos made by the insurance company Humana to keep up the illusion of the status quo.