When you’ve met your deductible for the year 

Just wait until he meets his out of pocket max 😂 I got two sleep studies and a tilt table test after I met my out of pocket max in December.

Dr Glaucomflecken's 30 days of US healthcare!!

Hell yeah! Go for it!! I hit my out-of-pocket maximum and I managed to squeeze in a major surgery before the end of the year. Listen, if the health insurance companies are going to make our lives hell most of the time, we have to get them back somehow! (though probably not with an unnecessary brain biopsy)

"New year, new me"

This was a funny but truthful look at the American healthcare system. It encourages people to underutilize their insurance for care due to high deductibles (which about over 50% now have) when they need it, but then over-utilize when they've met either their OOP or deductible. It's a complex problem, but we need to do better than what we have.

Texaco Mike's gonna be busy with this guy...

SO glad I’m Canadian and don’t have to worry about this sh*t. If I’m sick, I get a test when I need it. Calendar and deductibles are not a thing. 🇨🇦. Feel sad and concerned for my American cousins :(

Even if you've met your deductible or max out of pocket, insurance can still deny coverage for things they deem medically unnecessary.

Thanks to Glaukenfeken who make a sketch about what is a deductible. I knew the US Healthcare system is broken but holly f@c*&ng sh!t it's.

Pretty much everyone during the month of October.

This is too relatable.

I've hit my outofpocket for the year. So, said yes to the second surgery & might be able to squeeze in PT. Sweet sweet relief - not *only* to my pocketbook, but it does factor in.

Compliance is so much less painful when your deductible has been met.

Been there, done that. Doc told me he could only do surgery on Dec. 14 or I had to wait until January, so that's when I did it.

I just realized why the only available non-emergency MRIs from August on in my area were at 5am or 8 pm. I have MS so I usually have met my deductible by February or March every year for the last 20 years and it just didn’t click.

So that’s why it difficult to get appointments in November and December.

The year I had major spinal surgery in January was the year I had the best, most comprehensive health care of my adult life. Sad, but true.

Had surgery in January, February, decided to redo the surgery I had in January this month, and squeezing in one last surgery next month. So 4 in one year. Yeah my insurance hates me this year and I’m loving it!! 😂

As I’ve met my deductible for the year I feel personally attacked 🤭🤭🤭

I've met my out-of-pocket for the year, so I'm like that guy right now. 🤣🤣🤣

Sounds right

My mom fell on New Year’s Eve and was hospitalized with broken hip, had surgery for it New Year’s Day. Had to meet two deductibles in 24 hours.

I’m 💯 with this patient!

Right...getting into a scoping appt is currently taking 4 months here in the Phoenix Metro West area:( I saw PA in August for IBD symptoms and scoping end of November!!

The psych referral at the end 😂

It is getting close to Nov 1st, now is the time to get those appointments made.

I made sure to use all of my dental benefits before I quit my last job

Eh... I FEEL like I need a full check up, but I have no Idea of how to approach a doc during a consult and ask for this sort of thing... 😕

Oh man, how did you make a skit about me when you've never met me before? LOL.

y'all ok up there in the US

I met my deductible for this year in January so my insurance isn't processing the claim for reimbursement (I paid $5500 out of pocket for covered services and my deductible is 3k for the family). Without processing the claim, I've been on the hook for everything this year because they don't show I met the deductible. This is super common with my insurance too. I got an EoB this year for hospital services rendered in 2021 showing my portion was only $800 after I already paid the $1500 bill two years ago. Gotta love the VA.

This is hands down my new favorite video of yours. Absolutely hilarious!

I was a C-section in late December, even though I was planned for January. I was fully grown a little bit early. Im glad my parents had me before the deductible reset 😂

I did the exact same thing. Years ago in the middle August, I had a terrible mountain biking accident, You're coming off of a hill luckily close to the car and I hit a rock and I wouldn't flying over the handlebars and landed risk first kind of head first too bruised up my head at a concussion luckily I didn't knock any teeth out. My friend who I was with rushed me to the hospital luckily we're on the outskirts of town so only took like 15 minutes so adrenaline was still pumping and stuff so didn't really feel the pain until we kind of got to the hospital. Both of my wrists were broken luckily a simple break on my right wrist but I shattered all the bones in my left wrist so I had to have surgery and play something in there that holds everything together. But you bet after I healed up some and I was still on FML, since I had met my deductible I think this is like late September for the rest of that year I got everything done medically that I had been putting off. And everything was paid for. This is why I wish Elon musk in a couple other rich people would just pay for 70% of the United States population pay their medical deduction off at the beginning of the year and a whole year of that amount of people taking advantage of the system and getting everything covered It would finally destroy insurance and force a change to happen because let's not deny the system we have doesn't work. I don't believe government should do all health care I like a government program that covers basic healthcare You're always covered you don't have to worry about losing your job You can always go see the doctor but basic coverage means it's going to take some time there's going to be waiting times If you want then to get insurance it's still out there but since they don't have to cover the basic stuff they can give you real premiums like shorter wait times cover stuff that traditionally wouldn't be covered and other benefits. These systems exist in the do pretty well look at Scandinavian countries those northern European countries They typically have insurance government programs like this and they seem pretty good

god US health insurance truly is a nightmare

I understand this. I met my deductible in 2021. The only year I did.

Man, I have to use my HSA funds before the end of the year! Bring it on!

I havent had insurance for nearly 7 years, due to finances. I finally got accepted in Oct. for some at nearly no cost to me. Ive been going to every doctor before it drops me when i report my new job's income.

The 1970s called. They want their wig back.

I always meet my deductible in October try to get in anywhere in November and December is impossible

I’m confused but I’m also Canadian can someone explain this? Is it like a money cap than the insurance has to cover all for you guys? Or is it something else?

This is how I feel. My insurance is July to July through. I’ve met my deductible the past two insured years. This one already. Cancer treatment and hospital stays will do that. Though I would rather not have cancer.

Just hit my out of pocket max 💪🏻

LITERALLY ME. All my friends are joking about me having a frequent shopper card and I'm like no but like actually, it kinda is.

I mean, he's not wrong, get ALL the stuff done once you've paid your deductible! (Of course, you'll still probably have co-pays & everything better be scheduled with providers who are IN-NETWORK, but other than that........)

Murica.

Hahaha this has been me since April!! 🤗

I can't throw stones. I'm putting off a couple of specialist referrals because I'm nowhere near my out-of-pocket this year so I'm just loading the stuff up next year.

Me with my dogs’ pet insurance the month before their deductible turns over 😬

‘murica

Sounds kinda like me last year after my surgery

Lol😂Ive met mine multiple times and not even halfway into the plan year.

In Australia a GP will order you an X-Ray or CT-scan on Medicare, but for an MRI they have to refer you to a private clinic and you pay over $500. Medicare will pay for laser eye surgery for macular degeneration, but again you have to pay $500 or more out of pocket for the contrast dye which isn't covered. GPs only provide acute/emergency care, and only the rich have something like a US primary provider that is your personal doctor who monitors your health and knows your patient history and family history.

I have seven dependents, we meet our deductible in February or so.

Crunch time is here. Please be nice to your local referral coordinator. Signed, your local referral coordinator 😂😂

I'm Canadian and very confused.

Jokes on you i had my first colonoscopy at 19 haha

Ah! I'm so glad I don't have to deal with this. Yay! Universal health care!!

I had someone act like this before... the problem is they always hit their deductible in the first quarter of the year so i never understood why they still tried to cram too many tests at the end of the year.

I miss my psychiatrist.

or "can I have one of those full body scans doc?"

Working full time at a law firm with an 11K annual family deductible. Not including out of pocket. Make that 2 MRIs.

I had three surgeries done the last two months. Lol.

i've done this 🤣

My mom getting an elective surgery this month cuz she's met her deductible 😂

Theae finance issues just encourage people to chase price tags instead of the scientifically/empirically best option (lowest before deductible and highest after). If only was there an ethics board for insurance companies! (probably jot gonna convince hypercapitalists do anything remotely sensible

Can somebody please explain how medical insurance work in the USA? In South Africa my insurance pays for certain medication irrespective of the time of the year. It is called PMB or prescribed minimum benefits. It is for certain conditions that must be medicated. This is called chronic medication. Then there is an allowance for accute medication for things like colds and flu, rashes, ear infection. You know all the day-to-day things that happen. This time of the year most people's day-to-day has run out and we try not to ho to the doctors.

It's pointless to try timing like this, because medical service providers are notorious for delaying their billing until a new calendar year starts, and you have to meet your deductible all over again. I've been billed months and months after an examination or procedure because my health insurance is a lower-tier provider that reimburses at a lower rate than others do. Anyone on Medicare or Tricare will have run into this since those have the lowest payment rates compared to private companies. The hospitals and doctors and clinics would much rather wait until the new year to send out their bills since they'll not only get that low-rate insurance payment, but also the amount of your deductible.

As Austrian, the concept of a deductible seems contrived. Almost as if your insurance companies don't actually insure you.

This is (partly) why premiums have gone through the roof ! 30 years ago, we paid maybe $2000 per year for family coverage with a $500 deductible We were recently paying over $2500/month with a $10,000 deductible. Where does this patient think the insurance company gets the money to pay those doctor bills?

Is that Gary Busey?

He’s not crazy, he’s an American

Psychiatry diagnosis: lives in the US

Me after having given birth 😅

No kidding.

Funny how my patients are never like this... and they have all met their deductible, out-of-pocket maximum (or whatever) at the very start of the year. Universal healthcare is overall cheaper for everyone besides the ultra rich.

What's deductible?

Sounds OK to me. Years ago I needed brain surgery but, for insurance reasons, really had to have it done before the end of June. Johns Hopkins was understanding and both the remainder of the workup and the surgery were completed on time. Worked out well.

Hey doc, can you do a video about the effect of white phosphorus on the victims that get exposed to it?

Deductibles keep rising so that subscribers still pay the same percentage.

Me ngl

My daughter made her out of pocket Max w 1 claim

😂

We need Medicare 4 All

Oh man......really?

Are all Americans rich? We got free healthcare in the uk And I’m in the hospital at least once a month if not more I actually stayed for 3 months until last month (was in the ER again 2 days ago) And if I was on the USA, all these X-rays, CT scans, blood tests, MRI’s, ultrasounds, EEG’s, neurologist, physiotherapist, doctor/physician visits, then I’d be way beyond bankrupt

So glad I don’t live in the States.

Because socialised medicine is a bad idea, right?

It’s sad. This is how we have to live. It’s not funny at all. Having to push to get some treatment by end of year was awful.

I made sure to use all of my dental benefits before I quit my last job

😂