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

hahaha this system sucks.
a huge thanks to my Patreon for giving me a chance to do this way-too-big video:   / briandavidgilbert  

filmed by Karen Han:   / karenyhan  
music by Louie Zong, check out the album "Business": https://louiezong.bandcamp.com/

MERCH: https://store.dftba.com/collections/b...
STREAMS:   / briandavidgilbert  
STREAM ARCHIVE:    / @bdgsvods  
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WEBSITE: https://www.briandavidgilbert.com/

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