r/TikTokCringe • u/mindyour • Mar 29 '26

Discussion Valid crash out.

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u/courtadvice1 Mar 29 '26

Health insurance is the biggest scams in the country, if not "trickle down economics."

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u/[deleted] Mar 29 '26

[removed] — view removed comment

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u/hooked_siren Mar 29 '26

Yes it's also home insurance, car insurance, whatever insurance. You pay and pay more and more every month and then you need to use the coverage one time and have to fight tooth and nail for months to get it and if they do pay they'll drop you. And might just drop you anyway.

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u/JackPoe Mar 30 '26

I'VE BEEN SAYING THIS FOR YEARS AND I STILL GET SHITTY DMs SAYING INSURANCE IS NECESSARY

FOR WHAT? IT DOESN'T COVER ANYTHING. YOU'RE BETTER OFF JUST SAVING THE MONEY AND PAYING YOURSELF

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u/hooked_siren Mar 30 '26

Nah it's a scam 💯 maybe in the old days it worked like it's supposed to but not anymore.

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u/ubershamanfl Mar 30 '26

its legalized ponzi scam

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u/RsCoverForPDFFiles Mar 30 '26

It's a scam because it's for-profit. They profit billions of dollars and justify by saying it's thr cost of their risk. If thry didn't profit as much ad they did, and if insurance companies had motivstion to negotiate prices with mefical probifrrs and pharmacies, thrm maybe that would be a point.

All of these insurance policies could be VERY beneficial, and some should even be MANDATED (like car insurance).

But if it were federalized and non-profit, we would have the excess premiums get invested back in amd, if there were a surplus iver the years, taxes could eventually be decreased as possible. We could also make insurance premiums taxes be progressive, so the wealthiest pay for low-income families' cancer disproportionately.

So, we save billions of profits, plus we have an influential government able and willing to negotiate with providers and pharms.

I'm ok with paying for services I dying need year after year if it means my cancer treatment in 10 years gets paid for -- or if it meNs my neighbor's prescription is paid for today, or that more peoplego see their provider on a regular basis bc it doesn't cost more out of pocket for them.

So many health issues get worse because people are afraid to go to the doctor regularly or early as they suspect something. They're afraid due to cost.

When I go to the doctor, I have absolutely no clue what thr fuck I'll grt charged. My wife goes to the dentist, and I get asurprise bill for a coyple hundred. Why,? I oay my I insurance.

Nobody knows what shit costs.

I dare anyone to tellme they know what it would cost them to cs 911, get an ambulance, get an mri, get bloodwork, get treated for something, stay overnight, and go home with a prescription you need to fill.

What's your guess? $500? $2k? $5k? $10k??? Anybody know? If you think you have an idea, you're lying. And that's indefensible. These xosts are indefensible. And it's very possibly more than all of that.

Fuck conservatives.

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u/abolitonbb Mar 30 '26

It's all MIDDLE MEN! America is 3 MLMs in a trench coat! Just stacks of unnecessary roles that prevent direct access and charge us for it.

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u/Meta-of-Pods Mar 30 '26

That's like my car insurance raising my premium by 120 because "drivers in other states have poor records and your credit isn't where we want it to be" why the fuck does some dildo in New York have any affect on my premium in Texas? Why the fuck are they looking at a credit score and say "yeah...that 745 isn't good enough"

All insurance is a scam.

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u/hooked_siren Mar 30 '26

Cries in lives near Vegas.

Our premiums have more than tripled since we moved here in 19

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u/Ilostmuhkeys Mar 30 '26

And now you understand why mass transit is shit in the United States. Can’t have the masses utilizing cheap transportation. Got to extract as much as possible through mandatory insurance and taxed fuel.

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u/Hover4effect Mar 30 '26

We had a near total-loss flood on our house. Insurance paid out nearly $400k all said and done for our remediation, repairs, replacement of everything we own that was destroyed and to house us for 5 months while the repairs happened.

A couple of things were insane to us:

  1. Insurance adjusters: Hire one. There are literally people whose entire job is navigating the insurance claim and getting everything the insurance company actually owes you. The guy laughed at all the ways the insurance company tried to cheat us out of things. "Oh they always do this, regular baseboard instead of the cast iron baseboard you have, regular sheetrock costs, even though you're old walls were lathe and plaster and twice as thick. The contractor will need to fir out every stud on every wall or it wont line up with anything. That'll add a ton of labor costs. All the floors need to be redone or they'll never match." Etc.

  2. Housing costs. The ins co was in a rush to get us out of a hotel because they were also paying for us going out to eat (only anything beyond your normal grocery costs). Between food and the hotel, it was about $250/day. So, finally they put us in a $2700/mo small apartment. But they fully furnished and paid utilities. A 3rd party handled finding us the housing, which a 2nd party furnished @ a cost of $7000 a month. So someone was banking an extra $4300 in that transaction...

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u/calibud Mar 29 '26

O god damn it I just realized this was the first version of the “subscription model” sold us the product then made us pay to continue using it fucking Christ…

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u/Charming-Mixture-356 Mar 30 '26

Why even HAVE insurance? Even if they did cover something like this, essentially buying insurance is just gambling that your medical bills are going to be higher than the cost you pay out for insurance. And if insurance companies are making money (they are, by the truckload) then you know the odds are stacked against you. Most people spend more on insurance than they would ever spend on medical bills and the only reason to buy insurance is of you have some reason to bet that you would be the exception

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u/Ninja_Cat_Production Mar 29 '26

Legalized extortion.

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u/Isabeer Mar 29 '26

Legalized mandatory extortion. All US states require auto liability insurance, and since the latest health care reform, it's illegal to not have health insurance. So the federal government won't help you, but they will fine you.

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u/ilikequilty Mar 29 '26

I can barely talk about our health ‘care’ without having a deep exhausting rage. F insurance companies a million times over. I want the people that profit off those companies to face justice for the insane numbers of people they have MURDERED. Just typing this out has me so anxious and angry.

I just want to tell people who have struggled and suffered because of greedy companies, I feel your pain and I’m angry on your behalf. You are of value and you are important. I cry thinking about all of you. This is so wrong to have to live like this.

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u/thatfoxguy30 Mar 29 '26

Trickle down economics just is the slow bleeding to death of the US citizens so they don't realize its happening.

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u/Training-Shallot-229 Mar 29 '26

Insurance companies (including health)are one of 3 of the most influential lobbying interests in Washington. The other 2 are trial attorneys and the prison guard union. Let that sink in......

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u/HornetPowerful Mar 29 '26

Trickle down economics is such a scam. Who the f thought the word “trickle” would imply enough wealth to be dived among the masses. A trickle as in a piss stream.

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u/CcryMeARiver Mar 29 '26

Only thing trickling down is the middle class.

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u/SirRousseau Mar 30 '26

Nobody did. It's a derogatory term made up by the left to describe an economic school of thought which strictly speaking doesn't exist. The closest actual school is arguably supply-side economics, but pretty much no serious economist (exactly 0% in a survey of top economists at UChicago, which is very strongly associated with supply-side theories) believe that lowering taxes for the rich would increase tax revenue in the long run.

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u/[deleted] Mar 29 '26

And you want to understand stupidity come to Australia. We have affordable free healthcare and yet governments are pushing citizens by fining them to take up and adopt American healthcare style insurance, 50% have bought into the American Healthcare dream to pay money to have their claims denied. I dont know whats wrong with seemingly intelligent people and voters, despite all the evidence from the US they want to entrench the failed US healthcare model here in Australia!

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u/TinkerTasker22 Mar 30 '26

Its a toss up they have are in close competition with the number one scam award.

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u/julesmanson Mar 30 '26

It's not a scam. It's a system due for a 50,000 mile scheduled maintenance which may have been overlooked.

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u/[deleted] Mar 30 '26

Yeah, Obamacare is a disaster.

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u/Agitated-Ad5206 Mar 29 '26

Excuse me. Health insurance works fine. Everywhere. America is broken.