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

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.

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.

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!

Whenever a hospital orders, their accounting has to be in line with federal guidelines, what the insurance are billed, patient billing, and so forth. Otherwise, they have to worry about fraud (ordering too much, which IT HAS TO GO SOMEWHERE)

Awesome content. Quite interesting and very useful. Thank you for sharing this wealth of information. Thanks.

Well explained and well broken down to the T.

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.

when you include your monthly premium to what you still have to pay, insurance pays very little if any

having the math example helps so much. thanks!

What covers a septoplasty I need my nose corrected not able to breathe well through my nose

Thank you

What about max out of pocket

When you realize your healthcare is in the hands of corporations, you as an individual is screwed. It needs to change.

What is the difference between PPO 3 vs PPO 1?

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

Why did they leave out how much you have to pay every month!

Only in America will you need to explain how healthcare works to people

What if my deductible and copay is 0$ and coinsurance is 20%

Sure wish we learned in hgih school 😒😮‍💨

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.

Insurance is all messed up.

Covid inpatient will come to oh....6080.00?

Heres how health insurace works: 1. You lose a substantial amount of your paycheck to pay for BCBS 2. You have a medical emergency 3. The bill gets sent to BCBS 4. You wonder why your bill is ao high despite having insurance 5. You call BCBS to sort the matter out. 6. BCBS basically says, "Get f*cked, loser." 7. Enjoy debt slavery.

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.

Nicjulourr qaunn

Why are the amounts so little 😂😂😂😂😂 Do a real bill.

Not helpful at all