#insurance us

[animentality]

[victusinveritas]

[existennialmemes]

BCBS: Yeah if your surgery takes longer than our admin staff with no medical training thinks it should, you have to pay out of pocket for the anesthesia.

UHC CEO: [assassinated in the street]

BCBS: ... You know we were just joking about that anesthesia thing ha ha we would never. We love keeping our brains inside customers happy.

[davidaugust]

Scares the Dickens out them. 😳

[sajirah]

To put into perspective my feelings on the United Healthcare CEO story, I'm gonna tell you a super fun story.

Around six years ago I was dying of organ failure.

Like, full on organs-shutting-down-couldn't-eat-anything-for-weeks-could-hardly-function organ failure. I had surgery scheduled to help reverse some of this. Hope was on the horizon. I was going to live. I was going to be okay. I just needed to get to my surgery date.

And then the day before that surgery I got a call.

"We've been fighting with your insurance company for weeks," said the lady on phone. "They keep telling us your procedure isn't 'medically necessary'. Dr. [Surgeon] screamed at them for a half an hour yesterday...but they still refuse to cover it."

I was given a choice during that conversation: go ahead with the surgery anyway and be on the hook for tens of thousands of dollars...or don't get the surgery...and almost certainly die.

I'm sure you can guess which one I chose.

I'm sure you can also guess what the name of my insurance company was at the time.

[gaines-group]

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[honeypleasejustkillme]

i thought i was at my lowest but holy shit it gets lower

[indigo6f00ff]

need to share an experience i had 30 minutes ago

(edit: thanks to @walks-the-ages for providing and reminding me to put alt text, sorry it slips my mind alot lol)

[gingersnapwolves]

You know what since I’ve got a ton of new followers because my post on puberty blockers took off and people apparently want to see me rant, I’m gonna get up on my soapbox for a PSA for tumblr’s aging userbase.

Do not! Get! A Medicare Advantage plan!

Tell your parents not to get one. Tell your aunts and uncles not to get one. Tell your friends not to get one.

Why is that, you might say? Kouri, what is a Medicare Advantage plan, you might say?

tl;dr Medicare is the government healthcare plan for Americans of a certain age or with certain disabilities. It is owned, administered, and operated by the government. You are entitled, if you wish, to outsource your Medicare and have your policy run by a commercial group, such as United HealthCare, Cigna, Aetna, et cetera.

Here’s how it works: For everyone who signs up for, say, a plan that rhymes with Figna Medicare Advantage, Medicare gives Figna a certain amount of money and says ‘use this to take care of this patient’.

You can see where this is going, right? Figna says ‘sure boss! *wink nudge*’ and then shoves as much of that money into their own pockets as possible, and they do that by finding excuses to NOT pay for your medical care.

Medicare Advantage plans are pushed and marketed heavily. They’ll call you. They’ll set up stands in your PCP office to try to encourage you to buy in. They will say things like ‘with Medicare, you have to pay a 20% coinsurance, but with us you only have a 10% coinsurance’ and completely neglect to tell you that having a smaller coinsurance only matters if they approve the fucking care that you need, which often they won’t (while Medicare would have) and if your doctors are willing to accept it, which often they don’t (while they do accept Medicare).

Is Medicare perfect? Absolutely not! I've got my share of bones to pick with them. But simply put:

Medicare is government administered. It is a service. It costs the government money, which is why the GOP is always trying to cut funding to it. Medicare Advantage is corporately administered. It is supposed to make money. Which gives them incentives to deny your care and fuck you over that Medicare simply does not have.

Do not. Get. A Medicare Advantage Plan.

[dankmemes23]

[animentality]

I'm fucking crying, the jokes about that medical insurance CEO getting murdered have been fire

[victusinveritas]

[existennialmemes]

For those of you outside the US trying to understand our recent current events, here's a fact sheet on US Health Insurance Companies:

They are all run by cartoon villains

The only way they make money is by denying as many people care as possible

They get to decide which medicines and procedures you get to have, not your doctor

They also get to decide how much they pay doctors for covered procedures, regardless of the billed cost for those procedures

You typically have to pay a significant deductible on top of your monthly premiums before they'll even pay out at all

They don't literally consume human souls in a parasitic bid to live forever, but they metaphorically consume human souls in a parasitic bid to live forever.

[dontmean2bepoliticalbut]

[mar-bluu]

Saw this on tiktok today and... yeah

[gaines-group]

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