A terrible guide to the terrible terminology of U.S. Health Insurance

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#healthinsurance 

Looking to get involved in healthcare reform? Check for any state/local groups or groups in your profession (especially if you are a nurse/doctor/medical student!) to join or support! Here’s a relatively comprehensive Wiki page on U.S. Healthcare Reform Advocacy Groups to give you starting point: https://en.wikipedia.org/wiki/List_of…

ARTICLES REFERENCED IN THE VIDEO:

• “Brian David Gilbert Begins Comprehensive Deep Dive Into How to Get Health Insurance Now”: https://hard-drive.net/brian-david-gi… 
• “FORMULARY (LIST OF COVERED DRUGS) FOR BLUE SHIELD OF CALIFORNIA MEDICARE PLANS”: https://www.blueshieldca.com/bsca/bsc…
• “Analysis: Half of Emergency Ambulance Rides Lead to Out-of-Network Bills for Privately Insured Patients”: https://www.kff.org/health-costs/pres…
• “Can Hospitals Use an Out-of-Network Anesthesiologist or Physician?”: https://www.ushealthgroup.com/2021/04…
• “What Medicare Covers”: https://www.medicare.gov/what-medicar…
• “Nebraska Medicare Eligibility”: https://dhhs.ne.gov/Pages/Medicaid-El…
• “Millions of kids qualify for Medicaid. Biden funds outreach to boost enrollment”: https://www.npr.org/sections/health-s…
• “Open Secrets: Client Profile: Blue Cross/Blue Shield”: https://www.opensecrets.org/federal-l…

SECTIONS:00:00 -Intro

01:52 – Health Insurance

02:53 – Dental & Vision Insurance

03:42 – Premium

04:19 – Deductible

07:08 – Copays & Coinsurance, Out-of-Pocket Maximum

09:58 – Drug Tiers, Drug Formulary

11:53 – Open Enrollment, Qualifying Life Event, COBRA, Special Enrollment Period

14:40 – In-Network, Out-of-Network, Multi-Tier Network

17:03 – HMO, PPO, EPO, POS Plans

19:08 – HSA, FSA, MSA, HRA

22:14 – Medicare & Medicaid

25:19 – Obfuscation

27:02 – So… what now?

29:19 – Credits