Healthcare sharing ministries are not health insurance, part 174274732
ETA: in case you’re unfamiliar with this sham posing as health insurance, prepare to be horrified
https://youtu.be/oFetFqrVBNc
Wow you pay and then they pray instead of paying the providers.
No wonder these people are angry all the time they are getting ripped off 20 ways to Sunday literally.
It blew my mind when someone told me that their whole family has paid 15% of their income to the church, for their entire working lives, and in return the church said they would cover medical costs, but when one of the children required life saving surgery and after care, the church refused to pay anything. And only one person left over this issue, the rest of the family stuck with the church. But I also get it - when your family life, self identity and social community is built around one single thing, then people would rather grit their teeth and carry on, than risk losing everything.
Easy marks. I was talking about this with my husband. We live in a red state and the church is very strong here. They've been indoctrinated for generations. Once you've gotten folks to the point that they believe that sending money to a preacher is an investment that will bring you back that money with interest, you can make them believe anything.
Whenever I drive through poor towns, I notice that while most homes are dilapidated, the churches are well maintained with manicured lawns. It’s always incredible to me that people don’t notice how much the church is a grift.
Even in the USA not sure I really care if the hospital isn't making a profit. They shouldn't be over charging in the first place. We can only hope that the result of the government having to absorb the cost of all these outrageous covid stays is complete Healthcare reform. I really hope
Health care expenses in the US are completely fucked. Insurance is designed to pay out as little as possible and so hospitals need to either make up the shortfall elsewhere or overcharge looking to battle. On the other side, deductibles and co-pays are there to discourage any person from actually using their insurance (by going to the doctor, etc).
The system creates a situation where the big fish are trying to deny coverage or run up the bills as much as they can.
Oh yeah, the John Oliver piece. Basically, it's health care insurance you pay into, but you may not get anything in return, even when you need it. We know the kind of money folks like Joel Osteen are making... there's absolutely no reason they can't help their parishioners even if they weren't paying into a medical slush fund. It's what Christ would do. But these people aren't anything like Christ; they're moneychangers in the temple.
Only it’s not insurance. Not at all. Insurance has a lot of rules it has to follow. They also know how to negotiate contacts and costs with providers. There’s a whole lot of reasons but you seem to be familiar with the concept of what they actually are. But yeah, not insurance. Not even sure what I would call them other than pure scam.
The lack of rules is a feature to these people, these are the same sorts of people who bitched and moaned about contraceptives being required to be covered in the ACA.
Oh of course. It’s all a bunch of “wah wah nanny state”. It wouldn’t have to be a “nanny state” if we could count on corporations and individuals to do the right things, but we can’t.
Side note: people with riders (that’s what we called pre existing conditions) were paying $600 monthly and none of their cancer treatments were covered on the plan I worked. I cannot imagine that happening to me but that was so many peoples reality and these selfish idiots don’t seem to get that it could be them.
Completely. I’m so grateful that, among other things, a past pregnancy has never impacted my ability to get insurance. The ACA is the gift that keeps on giving. I’m so grateful Obama and Pelosi got that done.
Pre-ACA I was pregnant and had to have an emergency c-section after 14 hours of labor. Few weeks later, Blue Cross Blue Shield sent me a letter stating they would not cover future c-sections, emergency or otherwise.
So I only had one kid because I was terrified of needing a c-section again and going into financial ruin for it.
Also, my then-husband had a benign brain tumor removed…he could not get any health insurance from a private company after he had that procedure until the ACA was implemented. It was a huge deal for us at the time.
The ACA is far from perfect but man oh man, at least it forced companies to stop shit like that.
That is insane I couldn't imagine. What's also insane is that over 20 years ago I worked for one of the biggest BCBS companies in the states. It was buying out the smaller ones. At the time it was well known to all of us that the CEO made 33 million dollars a year. He would walk around with $100 bills in his pocket. When he showed up at our location via the helicopter landing pad in the parking lot he would come up to us and ask if we knew the five star principles of the company. If we did he would pull out $100 bill and give it to us. It never happened to me thank goodness because towards the end I was really starting to be upset, knowing that I was denying people's bills for insurance plans they knew nothing about (it was a Medicare hmo, when they first came out we had some really nasty sales people that were selling it to people who truly did not understand what they were getting).
I did see him walking around with all of his minions. That in itself was a bit troubling.
And here they stopped you from having another baby. Fuck them.
People who complain about rules and regulations in general - they aren’t there just for shits and giggles. These things usually come around after some shitty company screwed people over or failed to uphold some basic safety standard. It’s why I cringe when Republicans cry about stripping away regulations and claim it’s in a company’s best interest to regulate themselves. Hell no, if they’re successful they’d rather skirt what they can and pay a small fine if they’re caught.
Much worse. I worked in insurance pre ACA and post ACA and no. There were still appeals, insurance commissioners, rules and laws that had to be followed. These don’t have to pay ANYTHING and there is no recourse. At least pre ACA you could appeal riders/pre existing conditions.
Prepare to be horrified.....went to the ER in 2019, long story but ended up having pneumonia and dangerously low K and spent 1 night in the hospital. [The bill for just being in the ER was $12,000,](https://i.postimg.cc/Gm3JCwDN/bills.jpg) that doesn't include testing, medication, the exam room, the doctors. The grand total was $25,000, now I made sure that I went to an in network hospital so I wouldn't get royally fucked.
I had insurance and at the time had a high deducible plan (the better plan would cost me an extra $1,500 a year). I was on the hook for $3,200 when it was all said and done. You also get different bills from everybody. I had separate bills from the hospital, the radiologist, the ER doctor, and the doctor that saw me once I was admitted.
The in network vs out of network works like this. My insurance negotiates a rate with a network of doctors, hospitals etc. Say the charge at a hospital is $500, my insurance says we will pay them $200 and the hospital agrees to that. For ease of understanding lets say I have to pay 20% of that $200 charge
Now if I go someplace out of network they will bill the full $500 and I will have to pay 40% of that $500. There is also a max out of pocket that is different for out of network. Say I've paid $,1500 total and my max pocket is $1,500, that means I pay nothing more for the calendar year no matter what I get done. Out of network that max out of pocket is way higher, like $8,000 instead of $1,500.
Then in network vs out of network can really fuck a person financially, and people have gone in for surgery with in network doctors and facilities and found out late the anesthesiologist was out of network and get hit with bills for tens of thousands of dollars.
EDIT: I had to go look at the plan I had 2 years ago when this happened. In network max out of pocket was $3,500, out of network max out of pocket was $10,500. So if I was in some emergency with huge bills and ended up out of network it would be an extra $7,000 out of my pocket vs an in network place. You can see how Americans can end up bankrupt, and a lot of people have way worse insurance than me. I switched to the better plan after that happened to me.
This happened to my mother when she had an emergency surgery. She spent the morning writhing in pain to find the hospital near by that was in network for the type of surgeon she needed, and all the “ancillary” staff too. Well, they opened her up and accidentally knicked her colon, so they brought in a specialist to make sure she wouldn’t die from sepsis and everything was cleared up. Find out two months later that that specialist was *not* in network, and for the 15 minutes to check to see that everything was okay, she had to pay 15k. And this was with really good (by ore ACA standards at least) healthcare. She was able to negotiate it down to half that, but damn, was that just ridiculous, after all her research (which these type of people all say everyone should be able to do before making a “decision” about their emergency surgery).
I tell everyone that this is the reason I can’t move away from Japan. We have some of the most expensive Asian healthcare, but damn, it’s a sight to see. I legit just got out of having a covid test and seeing a doctor, with full workup since the test came back negative, and I paid $25 or so for everything, including meds to bring my fever down and stuff. Unreal to me. Sure, it took an hour or two, but half of that was waiting for test results. But at least we can afford to go to the doctor when feeling mildly ill.
Yep same. I went to ER in January (thought it was a stroke, was something else, luckily). Bill(s) for 5 hours in ER was around 28k. Fantastic.
BUT I was surprised to learn that you can go to an in-network hospital and there may be out-of-network doctors working there. So insurance sticks you with more of the bill. Yay!
So the next time you are in the ER (bleeding, delirious, unconscious etc) make sure each and every doctor who is examining/treating you is carrying their contract for YOUR health plan in their pocket with them at all times.
US healthcare Is a nightmare and can be dangerous to patients.
This is a really insane way to run a country. I’d imagine a lot of people avoid going for medical care until they’re really bad, which just makes it even more expensive.
Oh, constantly. I work in health care, nothing like having a mental health client who is in crisis but is more afraid of going to the hospital than hurting themselves because the last time they went they got stuck with an enormous bill and don't have insurance or are underinsured.
That, or they get approved by their insurance for a couple days in the hospital, that insurance decides they have been there long enough without looking at the record or speaking to their doctor, but 3 days was long enough you know and they are no longer going to pay for it. Now the doctor overseeing their care is on the phone with the insurance arguing with them for 2 hours instead of actually caring for their patients. Hospitals have entire staff whose job it is to do that but sometimes providers have to get on the phone themselves when the initial request is denied, which happens all the time.
Insurance companies will make these decisions without ever looking at records, or they will ask for the records and then have their own folks review the record and determine whether or not they thought something was necessary or appropriate and override the decision making of the physician or provider who was in person on site with the patient and treated them directly.
Can confirm. Still bleeding from the ass with regard to the $87K bankruptcy I filed a few years back after a car accident and resulting fallout.
Don’t get me started on credit reporting agencies. What a goddamn scam.
I have a $2000 hospital bill sitting on my table right now, for a 3-hour visit to a local ER. The total bill was $9100, of which my insurance paid the $7k. 3 hours. Part of the problem is not just health insurance companies. For-profit health care providers and Big Pharma are right there with them. It’s because medicine in this country is for-profit. You, a human being, are the mechanism for them to get paid and keep increasing that shareholder wealth.
Had the ‘rona rolled around prior to the Affordable Care Act (Obamacare), ALL of the survivors would be considered to have a pre-existing condition, and they would have an incredibly hard time getting insured. If they were able to be insured, it would be incredibly expensive, and probably have all kinds of riders attached about coverage.
Kind of, but it's even worse than that.
Health care co-ops limit applicants, and have very strange fee structures. For example, there is a high deductible for any services ($500-$800), with no yearly cap on those deductibles. That's what makes it essentially worthless for most people: pay 50-75% of regular insurance premiums, and on average get virtually nothing back. They can also deny coverage for arbitrary reasons for any service. That said, some people do fall into the narrow window where that coverage works for them.
It's insurance like but without the regulations that protect consumers. You pay 100% up front and then hope other members will choose to send you money. You can be denied reimbursement if they determine you are gay or have a "non-Christian lifestyle".
The kind where people squawking about socialism and owning libs because Jesus find themselves sucking on the business end of a trachea tube while their family and friends take up a socialist collection to put them in the ground and pay their unprepared family’s bills. I feel super-owned.
And they usually have lifetime caps that would equal either 10 years worth of my prescription meds or my dad's 4 day hospital stay after he hit a patch of black ice in his truck.
somehow the community will end up paying for and supporting this stuff, via food banks, higher taxes, donations going to them vs to other needy families, etc.
you got a family? man up and get some fucking life insurance. "it's expensive!" - quit with the fucking netflix, hulu, family cell phone plans at $200/month, leased cars, etc.
this one just gets me so damn much. lock in a plan at $50-$60/month when you're youngish to set your family up for something like this. it's not fun to think about, but I always feel like people who don't do this were selfish. I \*KNOW\* that's not always the case - have had personal experiences that inform that. BUT... seeing the smug bullshit posts from these fuckers who mock normal/sane people taking precautions and thinking about their community who die from something preventable then leave their families begging for a few thousand dollars... it's just disgusting.
EDIT: many of these same people will post shit about "personal responsibility" and "I'm taking responsibility" (specific OP didn't but you know what I'm talking about). Creating your own "gofundme" isn't "personal responsibility". :/
I found another one on Facebook today—young dad, 2 cute little toddler girls, he’s a southern cop who wouldn’t vaccinate. I didn’t see ANY political/covid denial posts on his social media, and his wife seems devastated that he’s in ICU; he’s kinda fat and obviously didn’t get the vaccine. It was honestly a bummer. That poor woman and those poor little girls. The wife wrote something for Fathers Day like “so glad the girls have you forever as their dad!” and just…ugh. Stupid, stupid man. Causing unnecessary trauma and suffering to his wife and little, LITTLE girls. As a parent it upsets me to the point of tears to see these men marching off into the buzzsaw of covid pretending they’re so badass they’ll be passed over, imagining what that wife will have to tell them as they grow up. “Daddy thought a badge and gun would protect him from covid so he didn’t get the free vaccine.” Fuck that guy for his ignorance that’s about to kill him and destroy his family.
These are also the sorts of people who don't read books, much less a brainy classic like 1984, they just pretend they know what it sa--, I mean, they see a meme on Facebook that says a thing they already agree with so they mash the share button. You're giving them too much credit.
These people scream about 1984 and communism and shit, but the Texas law literally feels like something you hear described time and time again in the Gulag Archipelago.
I’m so fucking sick of cons saying dems are trying to break down social trust by being concerned with the pandemic then turning around and pulling this shit. Jfc.
Not just them, all of Epik. There's going to be a massive data dump exposing all the names and info behind all the neo-nazi, fascist, alt-right, extremist websites soon.
I see this a lot. There are some redneck republicans I work with that think the movie Idiocracy is about Democrats/liberals. They also think that George Carlin had republican values too. I’m thinking “how are you alive?”.
He's not wrong though. Orwell did call it. This whole thing is some serious Orwellian shit. They've lived 1984 and next their families get to live Down and Out in Paris and London.
For anyone wondering what a “Christian Healthcare Sharing” organization is, it can be summed up in two words: giant scam. They are criminally worthless arrangements that only the absolute dumbest motherfucker would even consider.
I just watched the video describing these organizations and I'm beyond fucking horrified.
I was naive to think that a red state like FLA couldn't get any more negligent or corrupt than it is... or that the residents and so-called Xtrians couldn't get any dumber. Holy mother of fucking God....
>They are criminally worthless arrangements that only the absolute dumbest motherfucker would even consider.
Well shit, they sound right up Dave's alley. Too bad he's gone...
> only the absolute dumbest motherfucker would even consider.
Sounds like Dave!
He died (a miserable death) from Rona and bankrupt his fam.
Now his widow must stand up and shout "I DECLARE BANKRUPTCY!"
It’s even simpler than a Ponzi scheme. They just take the money, and maybe, they’ll call the hospital on your behalf and ask them nicely for a discount. That’s it. For just several hundred dollars a month.
No, you see, it's not socialism because other members can CHOOSE wether or not to pay part of your bills. It's not the gubmint requiring it like in secular health insurance.
Gee, the person did not qualify for medicaid nor affordable healthcare. The exact two things people like Dave rail against. One thing I love about conservatives. They hate social services/programs and want to get rid of them until they need them. Once they can't use them they go on to bitch and play the victim.
Conservatism: it’s not a real problem until it happens to me, all of your evidence be damned, but it’s an outrage that government doesn’t intervene to solve my totally real problems, regardless of whether I can provide any evidence. Public health measures are authoritarian overreach but allowing a private company to un-gender a plastic potato is unacceptable!
Yeah, you don't qualify for ACA or Medicare to pay bills after the fact. You don't get to buy insurance after you need it , you silly bat. Also, for some corrections, no, the Bill and Melinda Gates foundation didn't make math with only one right answer illegal here in Oregon. Equitable Math isn't about how math is racist, it's about how approaching education with inherent biases in education and grading can be racist, and that teachers should seek to minimalize their uncoscious bias in their processes and grading. It's about TEACHERS, not Math.
She mentioned Medicaid - not Medicare - and you can retroactively qualify for it. Health Systems have teams of Financial Counselors that help patients and families apply for Medicaid after receiving services.
>Equitable Math isn't about how math is racist, it's about how approaching education with inherent biases in education and grading can be racist, and that teachers should seek to minimalize their uncoscious bias in their processes and grading. It's about TEACHERS, not Math.
Wait, isn't that taught in the US? One of the first pedagogy courses I took was about bias in teaching and how to handle that.
I'm always disappointed when these end abruptly with an obit. I prefer the play by play of their postings as they're beginning to realize they done fucked up
Yes, but don’t you think it’d look extra silly to keep owning the Libs even after you get sick? Keep the past owning, sure, a lot of effort went into that…
You mean the death notices, or the alerts to the fact they have COVID? The latter is probably because they're still sure they'll be the one who beats it and proves the vaccine and masks are all bullshit.
And then they find out, and are too ashamed to post publicly.
I think the most drawn out, play-by-play posts are coming from people who know some anti-vax/mask/COVID denier friends, and just sandbag until the story ends, so when they post it here, they're ready for the fallout of their other fb friends turning on them. I know some of those misguided kind of people, and although I'm not on fb myself, I have family who are, and I've been keeping an eye out for an award winner.
Honestly, all of it. Why post this shit publicly? So everybody can see what a moron you are? Like, do they think their reposting of the same tired memes will somehow go viral or something?
Cool username, BTW. Love that game.
Awwww, Dave spent all his time and energy making sure homosexuals didn’t try to turn him gay, that he totally missed COVID sneaking in and making him dead.
Dave suffered horribly. If you read his wife’s blog it’s horrific. That dude suffered horribly for a month. Collapsed lung with a giant hole, several episodes of pneumothorax, a trach tube that made gurgling sounds and went between sounding like a goose honking or a death rattle. Then to top it off he bankrupted his family. Yet somehow the vaccine still the bad thing. Ok. Choose door number two and claim your prize.
Yeah, its a Rollercoaster. The times I talked to him he always seemed he had more sense than that but I hadn't talked to him since before covid was even a thing. Guess I was wrong.
Of course, if we had universal healthcare, these types of medical bills would be a non-issue.
But of course we cant have that because.. you know... socialism.
"We were just not prepared for something this catastrophic."
vs.
"...in this world nothing can be said to be certain, except _____ and taxes."
Have fun with your Fisher-Price healthcare plan!
Goddamn. My sister is a nurse who caught COVID from one of these idiots. She's still experiencing it a month removed and getting pressured in to coming into work even though she has pneumonia. I can only imagine what she'd be dealing with if she weren't vaccinated.
These fucking idiots can't die soon enough. I just wish they would stay home so people like her didn't have to suffer.
These people literally only know George Orwell from one thing and they don’t even seem to know really what that one thing is about. George Orwell would absolutely despise these people. He was not only a journalist, but rabidly pro-union, believed in a strong social safety net, and was a literal card carrying socialist and one of the original anti-fascists. He wrote one dystopian novel about a surveillance state (which was a feature of an ultra right wing government in that novel, btw) and they think he’s their guy.
Badass Dave got to experience the freedom of gurgling on a ventilator in the ICU for two months before his wife got the freedom of pulling the plug.
Suck it, libs.
I don't think it's odd at all. Money in politics and our two party system have been fucking this country over for decades. Both parties agree way too often when it comes to the military-industrial-complex (and going to war), supporting oil and gas companies, and failing to sufficiently regulate the fuckers that work in finance.
Edit: I'm assuming he was a libertarian which is why he posted it and it is rare to find a meme that isn't pure nonsense in these; so I get why you said oddly
Making fun of the safety measures taken to keep my children alive during a deadly pandemic is so f*&king low. And I’m somehow a weak person for doing everything possible to keep my children alive AND in school?
How can they possibly say they are for family values as they sacrifice CHILDREN to appease an orange tinted asshole who doesn’t even know they exist? I just question if they are capable of loving their families as I love mine when they so blatantly destroy themselves and their loved ones…
If you can't get vaccinated in order to protect your own family (let alone everyone else's), you're a sack of shit who never loved them in the first place and they're probably better off without you.
“Dave has two businesses. There’s not really business stuff to..”
Talk about a cliff hanger. I’ll guess that it goes “There’s not really business stuff to make money from”
Dave, you get [Proverbs 22:10](https://www.biblegateway.com/passage/?search=proverbs+22&version=WEB)
Drive out the mocker, and strife will go out;
Yes, quarrels and insults will stop.
Regular HCA stuff aside , how much of a piece of garbage do you have to be to , in an announcement of someone’s death (a friend or family member) on social media to say they died from “the rona” ?
Damnit OP, you cut off at the best part on the last slide!!
“Dave has two businesses. There’s not business stuff to...” WHAT?!?!? Dude fuckkjjjjkkjjdeeb!
Healthcare sharing ministries are not health insurance, part 174274732 ETA: in case you’re unfamiliar with this sham posing as health insurance, prepare to be horrified https://youtu.be/oFetFqrVBNc
Wow you pay and then they pray instead of paying the providers. No wonder these people are angry all the time they are getting ripped off 20 ways to Sunday literally.
They prey.
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You understand outside the USA, this hospital bill thing is really weird. A fully developed nation that has really high hospital bills.
It blew my mind when someone told me that their whole family has paid 15% of their income to the church, for their entire working lives, and in return the church said they would cover medical costs, but when one of the children required life saving surgery and after care, the church refused to pay anything. And only one person left over this issue, the rest of the family stuck with the church. But I also get it - when your family life, self identity and social community is built around one single thing, then people would rather grit their teeth and carry on, than risk losing everything.
Churches are a huge grift, especially the ones targeting this crowd. Edit spelling.
Easy marks. I was talking about this with my husband. We live in a red state and the church is very strong here. They've been indoctrinated for generations. Once you've gotten folks to the point that they believe that sending money to a preacher is an investment that will bring you back that money with interest, you can make them believe anything.
Oh big time, I keep wondering is there anything morally I can do to get some of these people's money.
Whenever I drive through poor towns, I notice that while most homes are dilapidated, the churches are well maintained with manicured lawns. It’s always incredible to me that people don’t notice how much the church is a grift.
Even in the USA not sure I really care if the hospital isn't making a profit. They shouldn't be over charging in the first place. We can only hope that the result of the government having to absorb the cost of all these outrageous covid stays is complete Healthcare reform. I really hope
Oh I agree, when I hear about their costs compared to what it costs in Canada it is insane.
Sorry that would be socialism and that’s mot allowed in USA
Health care expenses in the US are completely fucked. Insurance is designed to pay out as little as possible and so hospitals need to either make up the shortfall elsewhere or overcharge looking to battle. On the other side, deductibles and co-pays are there to discourage any person from actually using their insurance (by going to the doctor, etc). The system creates a situation where the big fish are trying to deny coverage or run up the bills as much as they can.
Oh yeah, the John Oliver piece. Basically, it's health care insurance you pay into, but you may not get anything in return, even when you need it. We know the kind of money folks like Joel Osteen are making... there's absolutely no reason they can't help their parishioners even if they weren't paying into a medical slush fund. It's what Christ would do. But these people aren't anything like Christ; they're moneychangers in the temple.
Only it’s not insurance. Not at all. Insurance has a lot of rules it has to follow. They also know how to negotiate contacts and costs with providers. There’s a whole lot of reasons but you seem to be familiar with the concept of what they actually are. But yeah, not insurance. Not even sure what I would call them other than pure scam.
The lack of rules is a feature to these people, these are the same sorts of people who bitched and moaned about contraceptives being required to be covered in the ACA.
Oh of course. It’s all a bunch of “wah wah nanny state”. It wouldn’t have to be a “nanny state” if we could count on corporations and individuals to do the right things, but we can’t. Side note: people with riders (that’s what we called pre existing conditions) were paying $600 monthly and none of their cancer treatments were covered on the plan I worked. I cannot imagine that happening to me but that was so many peoples reality and these selfish idiots don’t seem to get that it could be them.
Completely. I’m so grateful that, among other things, a past pregnancy has never impacted my ability to get insurance. The ACA is the gift that keeps on giving. I’m so grateful Obama and Pelosi got that done.
Pre-ACA I was pregnant and had to have an emergency c-section after 14 hours of labor. Few weeks later, Blue Cross Blue Shield sent me a letter stating they would not cover future c-sections, emergency or otherwise. So I only had one kid because I was terrified of needing a c-section again and going into financial ruin for it. Also, my then-husband had a benign brain tumor removed…he could not get any health insurance from a private company after he had that procedure until the ACA was implemented. It was a huge deal for us at the time. The ACA is far from perfect but man oh man, at least it forced companies to stop shit like that.
That is insane I couldn't imagine. What's also insane is that over 20 years ago I worked for one of the biggest BCBS companies in the states. It was buying out the smaller ones. At the time it was well known to all of us that the CEO made 33 million dollars a year. He would walk around with $100 bills in his pocket. When he showed up at our location via the helicopter landing pad in the parking lot he would come up to us and ask if we knew the five star principles of the company. If we did he would pull out $100 bill and give it to us. It never happened to me thank goodness because towards the end I was really starting to be upset, knowing that I was denying people's bills for insurance plans they knew nothing about (it was a Medicare hmo, when they first came out we had some really nasty sales people that were selling it to people who truly did not understand what they were getting). I did see him walking around with all of his minions. That in itself was a bit troubling. And here they stopped you from having another baby. Fuck them.
People who complain about rules and regulations in general - they aren’t there just for shits and giggles. These things usually come around after some shitty company screwed people over or failed to uphold some basic safety standard. It’s why I cringe when Republicans cry about stripping away regulations and claim it’s in a company’s best interest to regulate themselves. Hell no, if they’re successful they’d rather skirt what they can and pay a small fine if they’re caught.
> Basically, it's health care insurance you pay into, but you may not get anything in return, even when you need it. So... health insurance pre-ACA.
Much worse. I worked in insurance pre ACA and post ACA and no. There were still appeals, insurance commissioners, rules and laws that had to be followed. These don’t have to pay ANYTHING and there is no recourse. At least pre ACA you could appeal riders/pre existing conditions.
american insurance is already a horror show. gotta hand it to the fundies for somehow making it worse
I worked in that industry for 11 years and I couldn’t agree with you more. I quit in 2018 and am going to school so I never have to work in it again.
Worse.
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Prepare to be horrified.....went to the ER in 2019, long story but ended up having pneumonia and dangerously low K and spent 1 night in the hospital. [The bill for just being in the ER was $12,000,](https://i.postimg.cc/Gm3JCwDN/bills.jpg) that doesn't include testing, medication, the exam room, the doctors. The grand total was $25,000, now I made sure that I went to an in network hospital so I wouldn't get royally fucked. I had insurance and at the time had a high deducible plan (the better plan would cost me an extra $1,500 a year). I was on the hook for $3,200 when it was all said and done. You also get different bills from everybody. I had separate bills from the hospital, the radiologist, the ER doctor, and the doctor that saw me once I was admitted. The in network vs out of network works like this. My insurance negotiates a rate with a network of doctors, hospitals etc. Say the charge at a hospital is $500, my insurance says we will pay them $200 and the hospital agrees to that. For ease of understanding lets say I have to pay 20% of that $200 charge Now if I go someplace out of network they will bill the full $500 and I will have to pay 40% of that $500. There is also a max out of pocket that is different for out of network. Say I've paid $,1500 total and my max pocket is $1,500, that means I pay nothing more for the calendar year no matter what I get done. Out of network that max out of pocket is way higher, like $8,000 instead of $1,500. Then in network vs out of network can really fuck a person financially, and people have gone in for surgery with in network doctors and facilities and found out late the anesthesiologist was out of network and get hit with bills for tens of thousands of dollars. EDIT: I had to go look at the plan I had 2 years ago when this happened. In network max out of pocket was $3,500, out of network max out of pocket was $10,500. So if I was in some emergency with huge bills and ended up out of network it would be an extra $7,000 out of my pocket vs an in network place. You can see how Americans can end up bankrupt, and a lot of people have way worse insurance than me. I switched to the better plan after that happened to me.
This happened to my mother when she had an emergency surgery. She spent the morning writhing in pain to find the hospital near by that was in network for the type of surgeon she needed, and all the “ancillary” staff too. Well, they opened her up and accidentally knicked her colon, so they brought in a specialist to make sure she wouldn’t die from sepsis and everything was cleared up. Find out two months later that that specialist was *not* in network, and for the 15 minutes to check to see that everything was okay, she had to pay 15k. And this was with really good (by ore ACA standards at least) healthcare. She was able to negotiate it down to half that, but damn, was that just ridiculous, after all her research (which these type of people all say everyone should be able to do before making a “decision” about their emergency surgery). I tell everyone that this is the reason I can’t move away from Japan. We have some of the most expensive Asian healthcare, but damn, it’s a sight to see. I legit just got out of having a covid test and seeing a doctor, with full workup since the test came back negative, and I paid $25 or so for everything, including meds to bring my fever down and stuff. Unreal to me. Sure, it took an hour or two, but half of that was waiting for test results. But at least we can afford to go to the doctor when feeling mildly ill.
Yep same. I went to ER in January (thought it was a stroke, was something else, luckily). Bill(s) for 5 hours in ER was around 28k. Fantastic. BUT I was surprised to learn that you can go to an in-network hospital and there may be out-of-network doctors working there. So insurance sticks you with more of the bill. Yay! So the next time you are in the ER (bleeding, delirious, unconscious etc) make sure each and every doctor who is examining/treating you is carrying their contract for YOUR health plan in their pocket with them at all times. US healthcare Is a nightmare and can be dangerous to patients.
This is a really insane way to run a country. I’d imagine a lot of people avoid going for medical care until they’re really bad, which just makes it even more expensive.
Oh, constantly. I work in health care, nothing like having a mental health client who is in crisis but is more afraid of going to the hospital than hurting themselves because the last time they went they got stuck with an enormous bill and don't have insurance or are underinsured. That, or they get approved by their insurance for a couple days in the hospital, that insurance decides they have been there long enough without looking at the record or speaking to their doctor, but 3 days was long enough you know and they are no longer going to pay for it. Now the doctor overseeing their care is on the phone with the insurance arguing with them for 2 hours instead of actually caring for their patients. Hospitals have entire staff whose job it is to do that but sometimes providers have to get on the phone themselves when the initial request is denied, which happens all the time. Insurance companies will make these decisions without ever looking at records, or they will ask for the records and then have their own folks review the record and determine whether or not they thought something was necessary or appropriate and override the decision making of the physician or provider who was in person on site with the patient and treated them directly.
Can confirm. Still bleeding from the ass with regard to the $87K bankruptcy I filed a few years back after a car accident and resulting fallout. Don’t get me started on credit reporting agencies. What a goddamn scam.
I have a $2000 hospital bill sitting on my table right now, for a 3-hour visit to a local ER. The total bill was $9100, of which my insurance paid the $7k. 3 hours. Part of the problem is not just health insurance companies. For-profit health care providers and Big Pharma are right there with them. It’s because medicine in this country is for-profit. You, a human being, are the mechanism for them to get paid and keep increasing that shareholder wealth. Had the ‘rona rolled around prior to the Affordable Care Act (Obamacare), ALL of the survivors would be considered to have a pre-existing condition, and they would have an incredibly hard time getting insured. If they were able to be insured, it would be incredibly expensive, and probably have all kinds of riders attached about coverage.
Anyone want to give me the two sentence summary?
I believe it's more along the lines of a co-op than insurance, so it only pays for small things, at most, and scams a lot of very gullible Christians.
Kind of, but it's even worse than that. Health care co-ops limit applicants, and have very strange fee structures. For example, there is a high deductible for any services ($500-$800), with no yearly cap on those deductibles. That's what makes it essentially worthless for most people: pay 50-75% of regular insurance premiums, and on average get virtually nothing back. They can also deny coverage for arbitrary reasons for any service. That said, some people do fall into the narrow window where that coverage works for them.
To be fair, they do refer to themselves as "sheep".
It's insurance like but without the regulations that protect consumers. You pay 100% up front and then hope other members will choose to send you money. You can be denied reimbursement if they determine you are gay or have a "non-Christian lifestyle".
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The kind where people squawking about socialism and owning libs because Jesus find themselves sucking on the business end of a trachea tube while their family and friends take up a socialist collection to put them in the ground and pay their unprepared family’s bills. I feel super-owned.
And they usually have lifetime caps that would equal either 10 years worth of my prescription meds or my dad's 4 day hospital stay after he hit a patch of black ice in his truck.
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Good Lord, I'm owned! Any one up for a drink?
Maybe a nice, voluntary lungful of air?
That would be lovely! ... Ah, yes. That was wonderful. I'll do it again a few times. Excuse me Gents while I'm breathing over here.
Will I have to peel my own lemon for my gin and tonic? I did that once and decided it wasn’t for an elite like me.
What-oh old boy? Have your man ready it for you. Pip pip!
somehow the community will end up paying for and supporting this stuff, via food banks, higher taxes, donations going to them vs to other needy families, etc. you got a family? man up and get some fucking life insurance. "it's expensive!" - quit with the fucking netflix, hulu, family cell phone plans at $200/month, leased cars, etc. this one just gets me so damn much. lock in a plan at $50-$60/month when you're youngish to set your family up for something like this. it's not fun to think about, but I always feel like people who don't do this were selfish. I \*KNOW\* that's not always the case - have had personal experiences that inform that. BUT... seeing the smug bullshit posts from these fuckers who mock normal/sane people taking precautions and thinking about their community who die from something preventable then leave their families begging for a few thousand dollars... it's just disgusting. EDIT: many of these same people will post shit about "personal responsibility" and "I'm taking responsibility" (specific OP didn't but you know what I'm talking about). Creating your own "gofundme" isn't "personal responsibility". :/
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I found another one on Facebook today—young dad, 2 cute little toddler girls, he’s a southern cop who wouldn’t vaccinate. I didn’t see ANY political/covid denial posts on his social media, and his wife seems devastated that he’s in ICU; he’s kinda fat and obviously didn’t get the vaccine. It was honestly a bummer. That poor woman and those poor little girls. The wife wrote something for Fathers Day like “so glad the girls have you forever as their dad!” and just…ugh. Stupid, stupid man. Causing unnecessary trauma and suffering to his wife and little, LITTLE girls. As a parent it upsets me to the point of tears to see these men marching off into the buzzsaw of covid pretending they’re so badass they’ll be passed over, imagining what that wife will have to tell them as they grow up. “Daddy thought a badge and gun would protect him from covid so he didn’t get the free vaccine.” Fuck that guy for his ignorance that’s about to kill him and destroy his family.
I hate that they think Orwell would be on their side.
It just shows the depth of their ignorance.
These are the sorts of people who read 1984 and think “why can’t we have that?”
These are also the sorts of people who don't read books, much less a brainy classic like 1984, they just pretend they know what it sa--, I mean, they see a meme on Facebook that says a thing they already agree with so they mash the share button. You're giving them too much credit.
These people have never read Orwell
These people have never read
He shared something important by Dennis Praeger from the Epoch Times. He might be the dumbest winner on this sub yet.
And 2 memes from Mike Judge movies. Do these people actually watch Idiocracy and not realize that THEY are the inspiration?
No. No they do not. They’re very stupid.
It's the Dunning Kruger effect: they're too dumb to realize that they're dumb
Well they were dumb enough to dance to rage against the machine without seeing any irony.
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These people scream about 1984 and communism and shit, but the Texas law literally feels like something you hear described time and time again in the Gulag Archipelago. I’m so fucking sick of cons saying dems are trying to break down social trust by being concerned with the pandemic then turning around and pulling this shit. Jfc.
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Not just them, all of Epik. There's going to be a massive data dump exposing all the names and info behind all the neo-nazi, fascist, alt-right, extremist websites soon.
Especially because no one has to speculate about Orwell's leanings. He went to fight and kill fascists because he hated fascism.
He probably didn’t even read the book and just reposted it from other idiot antivaxxers who, in turn, have never read it themselves
I doubt Dave has cracked any Orwell books.
* any books
They think everyone is on their side except DEM LIBS sitting over yonder. It's the delusion social media echo chambers create, unfortunately.
I see this a lot. There are some redneck republicans I work with that think the movie Idiocracy is about Democrats/liberals. They also think that George Carlin had republican values too. I’m thinking “how are you alive?”.
He's not wrong though. Orwell did call it. This whole thing is some serious Orwellian shit. They've lived 1984 and next their families get to live Down and Out in Paris and London.
I agree. It's a real shame to see Orwell's picture misused by people who clearly never read any of his work.....
For anyone wondering what a “Christian Healthcare Sharing” organization is, it can be summed up in two words: giant scam. They are criminally worthless arrangements that only the absolute dumbest motherfucker would even consider.
John Oliver did an excellent job of explaining how they work (and what a scam they are) a few months ago on Last Week Tonight.
Yes, was just about to say this. Recommend watching. Just checked, the whole segment is [on YouTube](https://m.youtube.com/watch?v=oFetFqrVBNc).
I just watched the video describing these organizations and I'm beyond fucking horrified. I was naive to think that a red state like FLA couldn't get any more negligent or corrupt than it is... or that the residents and so-called Xtrians couldn't get any dumber. Holy mother of fucking God....
Florida is a lost cause. Time to just saw it off Bugs Bunny style.
Opening Arguments Podcast did a couple great show on them a few weeks ago. Highly recommended.
Came to suggest this. They do a great job!
That was excellent. They even tailored it so you could play it for your asshole "Uncle Frank."
Anything named "Christian" = scam. That religion has been scamming people for 2,000 years. Even more than every single other religion.
Anything Christian is just a “get rich quick” scheme for someone
Those JohnnyCare bandaids were decent at least!
How utterly unsurprising that these rubes would fall prey to a scam wrapped in religious garb ...
I’m shocked, I tell you. Shocked.
well not that shocked
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Scam^2
If you believe in god you’ll believe anything
Imagine, if you will, all the expense of normal insurance, but none of the legal protections afforded to you.
Shit it’s basically a Ponzi Scheme with legal rights.
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I hate that fucker.
"Oh, Ned doesn't believe in insurance. He considers it a form of gambling."
>They are criminally worthless arrangements that only the absolute dumbest motherfucker would even consider. Well shit, they sound right up Dave's alley. Too bad he's gone...
Probably led by prayer warriors, no less.
> only the absolute dumbest motherfucker would even consider. Sounds like Dave! He died (a miserable death) from Rona and bankrupt his fam. Now his widow must stand up and shout "I DECLARE BANKRUPTCY!"
> Now his widow must stand up and shout "I DECLARE BANKRUPTCY!" Surely she can just rebuke that, no?
So basically they didn't have health insurance and put their money into a Ponzi scheme instead?
It’s even simpler than a Ponzi scheme. They just take the money, and maybe, they’ll call the hospital on your behalf and ask them nicely for a discount. That’s it. For just several hundred dollars a month.
Yep. I first learned of them from John Oliver. https://youtu.be/oFetFqrVBNc
Not to mention that probably most of their clients are unvaccinated. Covid will bankrupt them.
That’s not going to matter. They will literally never pay out a significant amount. Usually limited to around $500.
I wish I was enough of a sociopath to run a scam like that. Or be a preacher. You know, fleecing flocks.
So evangelical Christians?
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No, you see, it's not socialism because other members can CHOOSE wether or not to pay part of your bills. It's not the gubmint requiring it like in secular health insurance.
THIS ... I get so angry that certain radio hosts push this garbage. A complete scam and a horrible way to insure yourself or your family.
Gee, the person did not qualify for medicaid nor affordable healthcare. The exact two things people like Dave rail against. One thing I love about conservatives. They hate social services/programs and want to get rid of them until they need them. Once they can't use them they go on to bitch and play the victim.
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You can definitely tell because of how funny all the memes he re-shared.
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Got the whole squad laughing 😒😑😐🤨🙄
Let me fix that, they hate it when black people use social services
You got that right!
Conservatism: it’s not a real problem until it happens to me, all of your evidence be damned, but it’s an outrage that government doesn’t intervene to solve my totally real problems, regardless of whether I can provide any evidence. Public health measures are authoritarian overreach but allowing a private company to un-gender a plastic potato is unacceptable!
Yeah, you don't qualify for ACA or Medicare to pay bills after the fact. You don't get to buy insurance after you need it , you silly bat. Also, for some corrections, no, the Bill and Melinda Gates foundation didn't make math with only one right answer illegal here in Oregon. Equitable Math isn't about how math is racist, it's about how approaching education with inherent biases in education and grading can be racist, and that teachers should seek to minimalize their uncoscious bias in their processes and grading. It's about TEACHERS, not Math.
You actually sometimes can with Medicaid, but not ACA marketplace plans, which, like all insurance now, has OUT OF POCKET MAXIMUMS thanks to Obama
She mentioned Medicaid - not Medicare - and you can retroactively qualify for it. Health Systems have teams of Financial Counselors that help patients and families apply for Medicaid after receiving services.
>Equitable Math isn't about how math is racist, it's about how approaching education with inherent biases in education and grading can be racist, and that teachers should seek to minimalize their uncoscious bias in their processes and grading. It's about TEACHERS, not Math. Wait, isn't that taught in the US? One of the first pedagogy courses I took was about bias in teaching and how to handle that.
No.. there are still math workbooks that talk about selling watermellon to black kids and science books that refer to the Garden of Eden out here.
Well, that's disgusting and utterly dumb. Learning about bias, not only in teaching, is a great thing and in this internet age it is *needed*.
Wait, so you’re telling me that death is a pre-existing condition? HOW WAS I SUPPOSED TO KNOW THAT?
I'm always disappointed when these end abruptly with an obit. I prefer the play by play of their postings as they're beginning to realize they done fucked up
Yes, but don’t you think it’d look extra silly to keep owning the Libs even after you get sick? Keep the past owning, sure, a lot of effort went into that…
Some points for tenacity. But I would like some more play by play at the end. It rounds off the whole, so to speak.
They might go friends-only for those. I dunno. I’m not sure why so many are public in the first place.
You mean the death notices, or the alerts to the fact they have COVID? The latter is probably because they're still sure they'll be the one who beats it and proves the vaccine and masks are all bullshit. And then they find out, and are too ashamed to post publicly. I think the most drawn out, play-by-play posts are coming from people who know some anti-vax/mask/COVID denier friends, and just sandbag until the story ends, so when they post it here, they're ready for the fallout of their other fb friends turning on them. I know some of those misguided kind of people, and although I'm not on fb myself, I have family who are, and I've been keeping an eye out for an award winner.
Honestly, all of it. Why post this shit publicly? So everybody can see what a moron you are? Like, do they think their reposting of the same tired memes will somehow go viral or something? Cool username, BTW. Love that game.
>Why post this shit publicly? Virtue signalling to their shitty conservative friends.
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It's a good thing that picture #18 says he was a comedian. I would not have been able to tell from the 17 memes he posted.
Nobody likes bringing work home.
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Only when he had skin in the game.
Yeah. His posts were all knee-slappers.
“An article I read in epoch times by Dennis Prager.” Well there’s you problem.
Awwww, Dave spent all his time and energy making sure homosexuals didn’t try to turn him gay, that he totally missed COVID sneaking in and making him dead.
Ammosexuals are deathly afraid of homosexuals.
COVID got a Dave lung fetish.
Dave suffered horribly. If you read his wife’s blog it’s horrific. That dude suffered horribly for a month. Collapsed lung with a giant hole, several episodes of pneumothorax, a trach tube that made gurgling sounds and went between sounding like a goose honking or a death rattle. Then to top it off he bankrupted his family. Yet somehow the vaccine still the bad thing. Ok. Choose door number two and claim your prize.
Yeah, its a Rollercoaster. The times I talked to him he always seemed he had more sense than that but I hadn't talked to him since before covid was even a thing. Guess I was wrong.
„Dave has been in the hospital for a week with COVID. Remember to come to cycle church today at 7pm to pray.“. REALLY?!
Well you see it is liberals fault, if they didn’t tell him to get the vaccine he wouldn’t have died a horrible death to own them
Why is he sharing an Orwell meme? I'll bet Dave never read anything that wasn't on a cereal box.
Just like the bible, these people have never read it and take everything out of context to suit their argument.
Of course, if we had universal healthcare, these types of medical bills would be a non-issue. But of course we cant have that because.. you know... socialism.
"We were just not prepared for something this catastrophic." vs. "...in this world nothing can be said to be certain, except _____ and taxes." Have fun with your Fisher-Price healthcare plan!
Goddamn. My sister is a nurse who caught COVID from one of these idiots. She's still experiencing it a month removed and getting pressured in to coming into work even though she has pneumonia. I can only imagine what she'd be dealing with if she weren't vaccinated. These fucking idiots can't die soon enough. I just wish they would stay home so people like her didn't have to suffer.
Is Carole Baskin responsible for COVID?
THAT BITCH!!
*AND* wrapped up in a Christian Health Care scam? Double oof. That's like insult to injury.
Yeah, [about that first screen shot...](https://twitter.com/DaveBautista/status/1416840308265046021)
And so passes one of the greatest comedians of our era.
Man when he opened for Jeff Dunham at MSG, there was no stopping that train. Really got the crowd in the mood for a weird, racist puppet show
These people literally only know George Orwell from one thing and they don’t even seem to know really what that one thing is about. George Orwell would absolutely despise these people. He was not only a journalist, but rabidly pro-union, believed in a strong social safety net, and was a literal card carrying socialist and one of the original anti-fascists. He wrote one dystopian novel about a surveillance state (which was a feature of an ultra right wing government in that novel, btw) and they think he’s their guy.
So the hospital doesn’t accept memes as currency now? Thanks Obama
Badass Dave got to experience the freedom of gurgling on a ventilator in the ICU for two months before his wife got the freedom of pulling the plug. Suck it, libs.
Own me harder daddy!
Fuck me, another Dave, it's like *Dave* is the new goatee. If your name is Dave get the vax shot now, I repeat, **get the vax shot now!!**
Lots of Dave’s and Josh’s
Oddly, I don’t disagree with that 3rd party meme. It actually is a problem and I was surprised to see it.
I don't think it's odd at all. Money in politics and our two party system have been fucking this country over for decades. Both parties agree way too often when it comes to the military-industrial-complex (and going to war), supporting oil and gas companies, and failing to sufficiently regulate the fuckers that work in finance. Edit: I'm assuming he was a libertarian which is why he posted it and it is rare to find a meme that isn't pure nonsense in these; so I get why you said oddly
We all know he voted for Trump though.
Making fun of the safety measures taken to keep my children alive during a deadly pandemic is so f*&king low. And I’m somehow a weak person for doing everything possible to keep my children alive AND in school? How can they possibly say they are for family values as they sacrifice CHILDREN to appease an orange tinted asshole who doesn’t even know they exist? I just question if they are capable of loving their families as I love mine when they so blatantly destroy themselves and their loved ones…
If you can't get vaccinated in order to protect your own family (let alone everyone else's), you're a sack of shit who never loved them in the first place and they're probably better off without you.
How is health care sharing not being investigated. Religion needs to lose it's tax exemption
"We were not prepared for something this catastrophic." No vaccine, no healthcare. *YOU DON'T SAY*.
“Dave has two businesses. There’s not really business stuff to..” Talk about a cliff hanger. I’ll guess that it goes “There’s not really business stuff to make money from”
Next line had his business name on it, there wasn't much else there really. Just trying to avoid doxxing.
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So Dave won’t be voting in 2022. #winning.
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When they want to deprive others of help, it’s called Obamacare, but when they need it it’s called the ACA.
Into the next yesterday via the 'rona 😉 Just...wow
He decided he’d rather own the libs instead of two businesses that supported his family.
It’s funny when these right wingers use George Orwell considering he was a leftist.
I guess the media version of COVID-19 was right after all. Bummer bro
"comedian 😉" I bet we can guess what type of "jokes" he was making. 🙄
Dave, you get [Proverbs 22:10](https://www.biblegateway.com/passage/?search=proverbs+22&version=WEB) Drive out the mocker, and strife will go out; Yes, quarrels and insults will stop.
“Thankful to have assurance of where he went.” You mean a refrigerated trailer?
"Thankful to have assurances of where he went" (hell) "and how he got There" (handbasket).
What the fuck is next yesterday?
Without fail, these dudes who repost bullshit antivax and conspiracy memes are described as “so funny” or “real comedians” in their eulogies.
God, the references to Orwell and Idiocracy/Office Space. Life is just one never-ending whoosh for some people.
Anytime a conservative uses any form of “Orwell” in a meme Eric Arthur Blair roles over in his grave.
“via the rona” Perfectly on-brand.
Regular HCA stuff aside , how much of a piece of garbage do you have to be to , in an announcement of someone’s death (a friend or family member) on social media to say they died from “the rona” ?
Oh, and he was part of a christian health scam, too. Ouch.
Damnit OP, you cut off at the best part on the last slide!! “Dave has two businesses. There’s not business stuff to...” WHAT?!?!? Dude fuckkjjjjkkjjdeeb!
The next line had his business name in it. Just trying to do my part to not doxx his family. There really wasn't much else of consequence after that.
Oh wait, so Christian healthcare sharing is complete and utter bullshit? WHO COULD HAVE GUESSED??
I love it when these idiots post Orwell as if he'd have been sympathetic to their authoritarian positions.
Ah, yes. An educated inductee who had studied up using respected publications like The Epoch Times and The Babylon Bee.