19 comments

  1. Let's be honest, the American health care system is a well crafted plan that will lead most of us into bankruptcy. The sociopath's in government and the health care industry have set up these plan's to milk everything we have out of us before forcing us to take on crippling debt that will allow them to live big while leaving us with nothing but financial devastation. This well polished and deceiving video is a insult to our intelligence.

  2. It seems to me insurance companies keep inventing new, tricky ways of not paying for one's medical care bills/costs – as the word "insurance" becomes ever much more meaningless. And yet, monthly insurance premiums have become kind of ridiculously high. Some friends I know are moving towards forgetting insurance altogether and instead place funds normally sent to insurance companies in a savings account to use as their own "healthcare insurance" – and it can accumulate interest to boot. With monthly insurance premiums now hitting $1,200 or more each month (for coverage that really doesn't cover costs), a sizeable amount of cash can be realized in a short period of time. It seems to me insurance companies just add to costs as they really don't provide anything tangible – they are really a "middle man" add on in costs. Overall- the entire healthcare industrial complex (drugs/doctors/hospitals/etc) have extravagantly overpriced themselves. That's the REAL problem….

  3. you mean when you have to pay out of pocket to go to the doctor you are less likely to use your medical insurance and they get to keep your money and not provide services

  4. If you switch to the HDHP from the traditional, it hurts at first- especially if you have medical expenses or prescriptions that you weren't sure how much the actual cost was because you always only paid the copay. You probably won't be used to paying the full cost of medical/prescription expenses before meeting the deductible. Once you meet the deductible it's okay.

    From my experience, if you have an expense that you know will cost a lot (find out from your health service provider), try to schedule the procedure a little later in the year, so that you'll have had time to save in your HSA to cover expenses – at least most of them.

  5. If you switch to the HDHP from the traditional, it hurts at first- especially if you have medical expenses or prescriptions that you weren't sure how much the actual cost was because you always only paid the copay. You probably won't be used to paying the full cost of medical/prescription expenses before meeting the deductible. Once you meet the deductible it's okay.

    From my experience, if you have an expense that you know will cost a lot (find out from your health service provider), try to schedule the procedure a little later in the year, so that you'll have had time to save in your HSA to cover expenses – at least most of them.

  6. High deductibles and med costs are the leading cause of bankruptcy. Search in YouTube for Zero Deductible Health Insurance for a better alternative.

  7. I think an HSA is a much better deal for most people. It all comes down to monthly premiums + maximum out of pocket expense.

  8. Insurance is way too complicated! Visit HealthLifeAnswers.com and watch it become a whole lot simpler!

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