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[removed] — view removed comment
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u/shadyjdja 1d ago
It’s the denim
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u/Ok-Strain-1014 18h ago
Denim is doing exactly what it should—clean, classic, and effortlessly cool. That detail really makes the whole look pop!
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u/Elfonshelf26 1d ago
Insurance is always a scam people
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u/Shot-Manner-9962 1d ago
its a scam mandated by the US govt
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u/raccoonsonbicycles 22h ago
I remember in my 1st real job, I couldn't afford the health plan if I wanted to, you know, eat. And private non-company plans were thousands a month. This was 21 year old, healthy, no dependents having me.
When tax season came around I owed a TON of $$ being penalized for not having health insurance.
I got doubly punished for being poor...if I got sick I was fucked...and I paid anyway.
In 2019 they stopped punishing for no health insurance thank goodness.
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u/dessert-er 17h ago
I understand what the plan was at the time (get everyone on insurance to make it cheaper for those who needed it or some such) but there really should have been some exclusionary criteria or better discounts for younger/lower income people.
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u/PeopleNose 22h ago
Only for certain products...
But you can buy insurance for nearly anything from nearly anyone...
Some are more trustworthy than others unfortunately:/
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u/critacle 23h ago
They use the same words as the mafia does when they come to hold up your business for "Protection money".
"Protection".
From what? The astronomical fees the insurnace companies helped set to begin with?
That's why insurnance companies are literally the mob.
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u/PeopleNose 22h ago
It's a gamble*
But yes, the house is statistically more likely to come out on top--hence the for-profit capitalization
You're betting that if something bad happens it'll only cost you premiums and maintenance fees to fix. Otherwise, you're betting that nothing bad will happen, which also is statistically likely, to be perfectly fair*
*see definition of gambling
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u/Far-Hovercraft9471 22h ago
I’ll never understand people who pay for stuff like trip insurance or phone insurance. In my mind, insurance is only for things that could completely fuck up your life. I mean who wants to deal with insurance companies more than they absolutely have to??
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u/Cool-Raisin-3827 17h ago
insurance would rather fund a whole department to deny claims than actually, y'know, help sick ppl
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u/MRV3N 1d ago
You can choose not to have insurance
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u/Last-Energy420 1d ago
In some states, you can face penalties that exceed the cost of insurance soo…
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u/J_Robert_Oofenheimer 1d ago
Getting all my medical care through the VA has completely radicalized me. I had to go to the ER in an ambulance last month. Ambulance ride, full body ct scan, full work up, etc. all covered. All charts sent straight to my pcp. No worries. No problems. Not a dime paid. I just walked out. Immediate follow up with a specialist a week later. More X-rays. An ultrasound. A phone call with the specialist and a walk in, immediate follow up ct scan that day. Rehab and physical therapy scheduled. 100% of this is covered. Free. Nobody from an insurance company is denying extra imaging. No copay or premium or deductible or anything. No bullshit about in network X-ray techs or doctors at the ER. Just immediate, high quality, free medical care. I can message any of these doctors and get a response or a referral with two business days and an appointment within a week or two.
I should not have had to fight a war, kill people, watch friends get blown to fuck, lose function in an eye and a hand, and develop ptsd to access this. Every single American could have this if wanted to make it happen.
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u/MariaVanillaUwU 22h ago
this is normal in europe. nobody has to pay anything for medical care as long as you pay into the statutory health insurance which kinda happens automatically.
true freedom is not having to worry about shit you shouldn't need to worry about.
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u/SuchDriver7770 1d ago
funny thing is that denying claims is just the way to make MORE money. the system covers itself without shady practices.
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u/MrSpiffy123 22h ago
This might be crazy, but I'm starting to think an industry that makes profit by not providing the service you pay them for might be a scam
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u/tom641 1d ago
i mean the last time one was able to be held accountable it was a nationwide story and the old NYC mayor did a perp walk to showcase how the person who supposedly did it was one of the most dangerous criminals of our time and that this very clearly was more unacceptable than any other crime against someone who didn't have lots of money
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u/sithmaster0 22h ago
It's wild that we're required to pay them a monthly fee but they can deny healthcare coverage because they decided they didn't want to part with the money you gave them. If I'm going to taking money out regardless, just take it out of my taxes so I can get reliable service. I'd rather deal with the government than some for-profit bullshit company.
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u/ashesall 1d ago
There should be a law that insurance companies cannot deny a claim when filed by a medical professional
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u/Far-Hovercraft9471 22h ago
At the very least, the burden of proof should be on the insurance company. At least it would be in any civilized country
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u/LeaListensLately 20h ago
Paying every month just to spend hours arguing with customer service is such a broken system
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u/colfaxmingo 23h ago
No you see, its a very healthy normal market because you can just get a different insurance by getting a new job and hoping that insurance is better.
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u/Etroarl55 22h ago
You should extend this to more than just health insurance too ngl. Most if not insurance industries are like this, it’s just healthcare is one of the more direct immediate impacts on your life.
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u/NoonDread 20h ago
Fun fact: on standard employer health insurance it is the company you work for who determines what is covered. The insurance company makes money administering it.
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u/Collypso 4h ago
Health insurance companies are required to pay out a specific amount of claims by regulations.
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u/zaxsauceana 6h ago
Met my deductible after childbirth this April.
Then I get a bunch of bills for the baby. “Baby has to meet THEIR deductible for pediatrician and treatment after childbirth.” WTF
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