https://www.bcbsnd.com/tips-and-insights
Health insurance can be complex. At Blue Cross Blue Shield of North Dakota, our customer service staff wants to simplify and help you better understand your health insurance. Follow our Health Insurance 101 videos to learn more.
What is Coinsurance? http://youtu.be/-3GnN3PvCk0
What is a Deductible? http://youtu.be/K-5ep3bjXaQ
What is a Copayment? http://youtu.be/3qZ9Hh76vbc
BCBSND Twitter: https://twitter.com/BCBSND
BCBSND Facebook: https://www.facebook.com/bcbsnd
source
Insurance explained it's a scam to get your money and they don't care about people just money
CORRUPT
How are your execs designating surgery times for surgeons so you pay less for anesthesia?
Why do you need 6billion a year in profit?
Absolute vampires
Nice nonsense
Who tf has 80/20 with only a $500 deductible? #BlueCrossBullShit
Garbage insurance, they bill you for everything.Don't ever vibe cross blue shield you're regretted , I do
Doctors have repeatedly told me here, I need glasses. You guys can't cover it though, unfortunately. I'm quite certain this is due to regulations of federal spending
_1ii
This is a terrible video explaining insurance. I've been a customer service for almost two decades — working for BCBS, Gina and TPA. If you'd like me to make a video, let me know!
We can already afford universal healthcare. Both sides are lying to us because they benefit from the status quo. Use the following as an AI prompt.
Total cost using $55,000 as salary: medicare tax + average cost of individual healthcare plan + dental + vision. Next add the average yearly out of pocket costs for common healthcare costs. now add to that what employers would pay for the individual. Add both figures together and display it in a chart.
Bonus points: Ask it to compare the costs to NHS (UK)
Absolute scam period.
🎇
this is so simple i don’t understand how nobody gets this, every insurance plan literally comes with a breakdown like this included. just read…
I just saw a story of a firefighter being denied his cancer treatment by your company must feel pretty good being rich.Knowing you got rich off the deaths of others!
Well well well.
So its a fucking scam, got it
What’s the point in even having insurance… such a scam
Why should you even bother with the insurance. The hospital bill was $1,000 you're paying $608 that's just ridiculous. Every little bit helps
As a civil person of an extremely VALUABLE Dna, I want to "take-back" my stuff. Now. What's the policies and procedures around it? Realistically. Topic of neuro…dramas, WillNot be considered at all.
This was a confusing explanation ngl
Here how it works. Pay premiums for the last 29 years. Finally have to see a doctor, first thing they want is the copay money. Then i needed xrays. Thats another 200. Thousands of dollars I've paid every year for the last 29 years. Now if i didnt have a job or am illegal immigrants free Healthcare. Paid for by my taxes! I will never go yo a doctor again, cant afford it, i will just wait to die. 🖕
BCBS and all insurances are a scam, robbing people of their money, they just do it "legally."
How are you still gonna take money out of my paycheck (110$ EACH paycheck, btw) and on the month of getting 3 paychecks, you STILL take money out for that extra paycheck.
Do I get extra benefits, too? anything at all? Nope, nothing.
Just take the money and that's it, huh? Scam
right.
That's a scam.
This is not including the fact that members have to pay a monthly premium that is a large amount more than the $392 saved.
The copay and the deductible are also extremely low-ball numbers. There are no $10 copays with BCBS and deductibles are nowhere near $500 for a year.
Lots of people are making money off of people who don't want to risk the rare extreme hospital visit that bankrupts them. All because medical expenses are insanely high in America.
Lmao 😂 sounds like they did everything they can to make it seem like you’re saving money and then make loop holes of why you need to come out of pocket
How do you get $392? I don't get that part.
If you watch this and don’t think “maybe our system is dogshit,” you probably work for a health insurance company
anthem blue cross and blue shield out of pocket maximum in 2025 for my health insurance at work has increased to $6600 from $2250!
I wish you completed the puzzle with the out of pocket maximum. – the large piece.
Garbage Healthcare system you 500 foe a good plan then you have to pay 10 percent of a hospital bill and all those bs fees
The best
just be sure to multiply these values by a power of 10 for a more realistic plan
What is out of pocket
500 deductible is so ridiculous. Use realistic numbers. I know this was 9 years ago, but even then those numbers were so far below the real numbers.
Did you dumb pricks not learn a thing about the hate that the USA has with health insurance companies?
Case in point: that New York CEO.
No sympathy for a POS who destroyed people's lives and caused PAIN.
Except that's not how it works
https://youtu.be/axjViA0DZcM?si=VNVi4mUvlhBLxYlE
Please don't limit your learning to this video alone. Health insurance is far too complicated to cover in 2 minutes, and this video neglects key topics, like network status, covered vs excluded services, common reasons for claim denials, and how to read a summary of benefits and coverage. Keep learning with other resources (and perhaps not from the insurance companies themselves 👀)
She didnt factor in how much the premium was per month
Delay Deny Depose it is the foundation of the United States healthcare insurance companys and the mirror scares you. Change your ways. Your actions have consequences
In her example she uses a $500 deductible, today 9 years later I have a $5000 deductible!
All good until Obama ruined it…
Now explain how Medicare works.
What a rip off
I like this explanation, all insurance company should provide this example of calculation. At the end of the day, people has the right to know what they will pay. but all Insurance companies tried so hard to hide them. People pay so much for their monthly insurance thinking that they are covered if something bad happened. That was not always the case, after the expensive monthly premium you religiously pay, you will still have to pay MORE when you actually need medical treatment.
Biggest Scam in America
I still don't understand… why did she assume this person met their deductible? How do you meet a deductible?
so you're stuck paying sixty percent after the 1200 a month premium, don't we just love insurance?
Describe the healthcare system in the United States;
Explain the functions of BlueCross and BlueShield;
Review how drugs are paid for;
Discuss healthcare plans and how they are regulated;
Outline the differences between healthcare in the US and Europe;
Analyse the key reasons for rising healthcare costs in the US;
Describe the functions of Medicare and Medicaid;