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Health Insurance 101: How Insurance Works In 90 Seconds | BCBSND

Blue Cross Blue Shield of North Dakota 102 views

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Why don't you talk about how blue cross takes 7 months to see a specialist?Knowing that you're gonna pay 7 months worth of payments to pay for the serviceThese people are crooks and should be arrested
Comment from : @RVCInc-zm9fw

The best
Comment from : @rigovazquez6721

just be sure to multiply these values by a power of 10 for a more realistic plan
Comment from : @codenamedav

What is out of pocket
Comment from : @JacobB-q1f

Don't go to ut health
Comment from : @richard-os9jr

Did you dumb pricks not learn a thing about the hate that the USA has with health insurance companies?brCase in point: that New York CEObrNo sympathy for a POS who destroyed people's lives and caused PAIN
Comment from : @billypoe3703

Please don't limit your learning to this video alone Health insurance is far too complicated to cover in 2 minutes, and this video neglects key topics, like network status, covered vs excluded services, common reasons for claim denials, and how to read a summary of benefits and coverage Keep learning with other resources (and perhaps not from the insurance companies themselves 👀)
Comment from : @Medicents

She didnt factor in how much the premium was per month
Comment from : @vincentkingsdale8334

Delay Deny Depose it is the foundation of the United States healthcare insurance companys and the mirror scares you Change your ways Your actions have consequences
Comment from : @DumbShenanigans666

In her example she uses a $500 deductible, today 9 years later I have a $5000 deductible!
Comment from : @tylerellefson2417

All good until Obama ruined it
Comment from : @John-ik9ot

Now explain how Medicare works
Comment from : @zaq55

1000 copay? What county is this hospital at? When I was in Mexico I paid 50 pesos to see a doctor and he wrote me a script for medicine That's a total of $350 US dollars That same service here would have ran me around $200 to see my PCPbrbr It's only a win-win situation for hospitals Insurance companies and customers are always on the losing side
Comment from : @Robert-lo6uf

What a rip off
Comment from : @securityofficer9483

I like this explanation, all insurance company should provide this example of calculation At the end of the day, people has the right to know what they will pay but all Insurance companies tried so hard to hide them People pay so much for their monthly insurance thinking that they are covered if something bad happened That was not always the case, after the expensive monthly premium you religiously pay, you will still have to pay MORE when you actually need medical treatment
Comment from : @jkbc

Biggest Scam in America
Comment from : @ScubaSteveCA

I still don't understand why did she assume this person met their deductible? How do you meet a deductible?
Comment from : @sawturkey

so you're stuck paying sixty percent after the 1200 a month premium, don't we just love insurance?
Comment from : @bob75819

Describe the healthcare system in the United States; brbrExplain the functions of BlueCross and BlueShield;brbrReview how drugs are paid for; brbrDiscuss healthcare plans and how they are regulated;brbrOutline the differences between healthcare in the US and Europe;brbrAnalyse the key reasons for rising healthcare costs in the US;brbrDescribe the functions of Medicare and Medicaid;
Comment from : @بندرعبدالله-ز6ط

I didn’t understand insurance but now understand it, it seems like Life and Auto are the only important ones and that you should save a lot of money and be careful
Comment from : @teeceedoc

I’m so confused
Comment from : @alexandracasados22

So it sounds to me like if you only get hurt once a year we the policy holder pays the lions share of the cost
Comment from : @jebediahconde2143

Why Don't They teach This In school
Comment from : @JojoTheVulture

These people in the comments are upset, maybe I am somewhat ignorant due to my relative good health—I did have an ACL surgery about a year ago and PT stopped short… but this video does a great job explaining
Comment from : @realtalk2046

And you also are paying a premium every month? So even though you only paid $600 out of the $1,000 owed, you probably paid $80 for six months before you went in to the doctor's ($480) So either way, you pay the same amount or more 😂 I guess it depends on how often you have to go to the doctor's
Comment from : @blakesharette26

I like your video presentation It is informative too, at the same time Thanks a lot for your guidance!
Comment from : @AlexaAlba-l4g

You guys BCBS FUCKING SUCK I’ve been on TRT for five years now Just switched jobs and chose you Big mistake Now I’m crashing cold turkey and feel like shit You’re a joke and don’t care about your patients 🖕🏻🖕🏻🖕🏻
Comment from : @jefferystephen-ud7id

Only in the US you have to do mental gymnastics with your health insurance
Comment from : @covidisascam4556

Sounds like Blue Shield insurance
Comment from : @CaseyLouis

I didn’t understand please start from what happens is I pay $1000 a month in insurance Have pregnancy visit how does it work??brbrThis is confusing
Comment from : @radhikapatel1221

So I would pay $608 the first time , and let’s say i go back same year same bill , I would only pay $108 the second time ?
Comment from : @AnthonyMartinez-rx1if

Insurance in America is a fucking joke
Comment from : @oscarmosh

What if my deductible and copay is 0$ and coinsurance is 20
Comment from : @Loaferx

Sure wish we learned in hgih school 😒😮‍💨
Comment from : @abrahamvaladez6122

My local clinic billed me six times for one procedure I called BCBSND fraud services They never got back to me I will not bother next time Never excuse as incompetence what is obviously graft
Comment from : @chaosordeal294

having the math example helps so much thanks!
Comment from : @wormoSTEEZE

This country is a fkn scam !
Comment from : @raykal1938

What about max out of pocket
Comment from : @aliciasupergirl973

I went to a clinic cause I have a sprained ankle I have blue cross blue shield and they told me I still had to pay a 150 dollar co pay for the visit Keep in mind this is in the waiting room before I've even had anything done yet I didn't have that much to spend on a copay and ended up just going home and treating it myself and am still recovering and healing pretty well I messaged my mom to vent about this to her because she's my only relative who works in health care so she's the first person I usually talk to about this this stuff and she told me without insurance It probably would've been like 800 so that's a good deal and I was like no the f**k it isn't! All that tells me is that Insurance is useless because regardless if it's 800 dollars or 200 Dollars I still can't afford to pay it so it doesn't make a difference if it's slightly out of my budget or way out of my budget If I don't have the money I don't have it plain and simple Technically I have that in my bank account yes but that's basically all the money I have til my next check since I live pay check to pay heck so I would basically be saying goodbye to food and gas money for the next week and a half all to get my ankle examined This shit is absolutely absurd
Comment from : @pyroAdapt

Not helpful at all
Comment from : @geminigirl1135

What is the difference between PPO 3 vs PPO 1?
Comment from : @cdgates1

Thank you
Comment from : @arika_sun

Your videos are very useful and provide lots of information I have received lots of help after watching this post, please continue to share this kind of information Thank you
Comment from : @elianasmith6330

Insurance is all messed up
Comment from : @Anu20810

Thanks for the new video! I’m looking forward to seeing what other content you post! Always good to learn as much as you can!
Comment from : @AislingBast

So Americans have to pay monthly band/b when they go in to the hospital? amazing
Comment from : @musicjunk8266

When you realize your healthcare is in the hands of corporations, you as an individual is screwed It needs to change
Comment from : @CC-kl4nh

Nicjulourr qaunn
Comment from : @NoddyNoddyTalk

Why did they leave out how much you have to pay every month!
Comment from : @scorch4397

What covers a septoplasty I need my nose corrected not able to breathe well through my nose
Comment from : @silvermadero1186

Blue cross blue shield won't pay for name brand prescription your doctor prescribes But, the substitutes they will pay for with all the side effects go in the trash
Comment from : @bear________

Awesome content Quite interesting and very useful Thank you for sharing this wealth of information Thanks
Comment from : @CamilaElla-c1b

America Health Care is the biggest robbery ever
Comment from : @tweezyjohnson3012

Heres how health insurace works:br1 You lose a substantial amount of your paycheck to pay for BCBSbrbr2 You have a medical emergency brbr3 The bill gets sent to BCBSbrbr4 You wonder why your bill is ao high despite having insurancebrbr5 You call BCBS to sort the matter outbrbr6 BCBS basically says, "Get f*cked, loser"brbr7 Enjoy debt slavery
Comment from : @thelostcosmonaut5555

Well explained and well broken down to the T
Comment from : @jessicanunez8469

what about the out of pocket you did not mention itwhich is the worst robbery than deductible out of pocket is always the double of the deductible amount they innovate new terms to rip usTEHRE IS NO HEALTH CARE IN USAits all greedy companies killing us more than any diseasesthese are the real cancerwe need boycott these plans
Comment from : @youssefzankalouni7163

shabbirhealthblogspotcom/2022/08/how-to-adopt-conscious-and-sustainablehtml
Comment from : @shabbirnasir

Thank you a lot for this video This is very interesting and informative Keep posting like those amazing videos, this is awesome
Comment from : @telsamorgan5369

Only in America will you need to explain how healthcare works to people
Comment from : @boomerskin4457

when you include your monthly premium to what you still have to pay, insurance pays very little if any
Comment from : @jeffsouth5416

Covid inpatient will come to oh608000?
Comment from : @suzyq9104

I would like to know why didn't you show the difference of the billed amount and the allowed amount The fee schedule or contractual obligation for the hospital If you are going to show the public how it works, I would suggest showing exactly how it looks so they know that the total amount that is billed is not the total amount that is paid to the provider or facility
Comment from : @doreenmarcum5341