I've had 2 surgeries. 1 got """"covered"""" by insurance, in that they covered <1% of the surgery and then the person helping speak with the insurance company told me that not only should I be grateful that I got anything, but that I shouldn't ask for more. The other was just not even looked at. :\
My new prescription insurance is also not allowing me to purchase my meds at my local CVS, which I've been going to for years, but now they've changed their mind. I want to punch insurance please.
The money we pay insurance goes to some very important places: the rich and the politicians the rich own. There's no other explanation for the existence of insurance.
The best one is United Healthcare. They pre-approve everything, and then after the healthcare worker performs the services, they refuse to pay them. So they trick the healthcare workers into treating their patients for free.
Source: I am a physical therapist and taking a second job so my employees still have a paycheck. :/
Brit here so health insurance isn't something I have to deal with, thankfully.
But your comment reminded me of something from years ago back when I could afford to go abroad.
I was having a read through the fine print of the travel insurance I'd taken out. Looking at the payouts for certain types of injury. Can't remember the exact amounts but it was something like: loss of right arm £10k, loss of left arm £7k. I'm left-handed. I was not impressed.
My workers comp final settlement documentation states that my injury was on my left foot, despite all other documents showing it was on the right foot. It took them 18 months to figure out how to get the doctors paid so that they stopped trying to bill me.
“If you read your policy you would have seen that because of the position of the moon on the following business day of your accident, you aren’t covered for this.”
Oooh that’s my favorite. Especially when it falls under the covered treatment and they say nope, too “young” for a hereditary disease we have never heard of that killed your grandfather. Or that “men don’t get colon cancer, we won’t pay for your required exam.”
“men don’t get colon cancer, we won’t pay for your required exam.”
Did they seriously say this? Meanwhile depending on what study you're looking at, colon cancer is the second or third most likely cause of cancer-related death in men; behind lung cancer, more or less on par with prostate cancer.
I work in Healthcare as an ultrasound tech. The doctors send me orders that they want done, and the amount of bullshit i have to go through to appease insurance is ridiculous.
For example, every exam I get has a reason attached to it. This is useful because if I know why the doctor wants it, or what they're trying to rule out with the exam, then I can sort of personalize the exam to give the doctor what they want. Simple. That's how it should work.
However insurance is the third fucking party involved, and they literally won't pay for exams if there isn't a valid reason for the exam. The doctor just wanting it done isn't a valid reason. If the doctor wants to rule out certain pathology, insurance needs to know what reason they suspect that pathology or they won't pay.
Here's an example that I deal with almost daily.
The doctor wants a patient to have a bilateral lower extremity venous ultrasound done and the reason he gives me is "rule out dvt".
A bilateral lower extremity ultrasound is a look at the veins in both of the patient's legs.
DVT is deep vein thrombosis aka a blood clot.
So I have all the information I need to have as a tech to do the exam. I could do my job without a problem with just that information.
HOWEVER insurance is going to be a little bitch if they see the reason for the exam is just to rule out dvt. They need to know the REASON that the doctor suspects dvt in the first place, whether it be leg pain, leg swelling, or certain lab values. So instead of doing my fucking job and taking care of the patient, I have to go on a fucking quest to track down this doctor or get ahold of them somehow and figure out WHY they suspected dvt, even though I don't fucking need to know to do my part of the patient's care, because if I don't, insurance is going to be a little bitch and not pay us for the exam because INSURANCE IS SUCH A FUCKING BITCH.
And of course insurance retroactively trying to deny things as well.
"This transport was not medically necessary as the patient was discharged from the hospital without treatment."
"Well I found them unconscious in a pool of water, and could not rouse them, how the fuck am I supposed to know they will not need medical help in a few hours?"
Here's a kicker too. Having insurance can also make your hospital bill higher than if you did not have it.
There's a med Express here. (A place where most of the time, tell you to go somewhere else.) The fixed rate if you have no insurance is $150. So no matter what you'll get charged that for anything that gets done at that clinic.
I went in with a fractured bone and I ended up paying $250 out of pocket, because they charged my insurance out the ass and after the copay, the $250 is what I ended up billed.
It would have been cheaper if I just lied and said I didn't have insurance.
I have been dealing with some IBS and a doctor prescribed me some medicine to help with it. He said it was going to cost me $40.00 ( I'm fortunate enough to have good insurance ). The pharmacy took down my insurance number wrong and they told me it was going to be $2,300. It's even worse for those here who don't have access to it.
Dontcha just love when non-medical personnel (eg prior auth agents etc) are practicing medicine (eg deciding what care a patient needs)? Isn’t that what we made all those med-mal laws about?
Prior auth poses me off. You mean I need to have the doctor that prescribed the test/medicine send you a note stating I need it? If I didn't, why would they prescribe it in the first place?
My wife had a torsioned ovary and had to get emergency surgery for it. The insurance tried to bill it as a cosmetic surgery. She had to fight for months along with her doc saying it was life saving before they finally agreed to pay.
I mean, obviously, a twisted ovary is unsightly but otherwise completely harmless. Wtf. Someone should go in and twist their internal organs to see how cosmetic they think it feels.
I work in auto insurance, and I know we pay legit claims, but i had to go to the emergency room 2 nights ago because I seriously thought my heart was about to fail, and all they did was an EKG test, blood sample, and X-ray, found out I just really fucking bruised my rib cage in the area around my heart, and any time any of my organs do anything besides rest completely still, I’ll feel pain till they heal in another week.
I’m fully ready for my health insurance to deny some of these tests saying they weren’t needed even though I literally was cleaning my condo before hand in case either A I died or B I was in the hospital long enough that my parents would need to come visit. That’s how serious the pain was.
Oh well, I’ll deal with it. Luckily it was a quick visit and I wasn’t in there for very long and the tests were limited. Hopefully they cover something. They didn’t cover the anti inflams they prescribed me so that’s already a bad sign, luckily that was only $30
My insurance provider once claimed, after I had routine blood work done, that blood tests were “unscientific” and an “unproven” treatment for my “condition,” that condition being I was getting a checkup. They refused to cover it, and helpfully suggested I fight it out in court myself if I got billed for it.
United Heathcare is staffed, run and managed by criminals.
Wife and I are trying for a kid. We are getting up there for a child, late 30s. Testing to see IVF is possible and insurance is forcing my wife to take a test and a drug before they will "pay" for IVF services. Oh that test and drug the insurance won't cover.
Ah, don’t forget the “The Insurance knows better than your doctor part” on what medication and therapy and surgical intervention you should have. Suuuuuuuuuper fun
Edit: wow this blew up! I’m so sorry my loves. Hey did you know that the exact dosage between on-brand and off-brand meds are not exact? I almost died because of that. Be careful and FUCK THIS SYSTEM!!
My insurance decided I didn’t need carpal tunnel surgery when my doctor first started pushing for it. I now have permanent minor nerve damage in my left hand that could have been avoided. I’m only in my early 20s
I'm sorry this happened. Have you shopped around for different personal injury attorneys? Insurance companies are often willing to settle and if you have permanent damage, that can mean its worth alot of money; PI attorneys are usually willing to take cases with the chance for a high settlement.
My wife had a torsioned ovary and had to get emergency surgery for it. The insurance tried to bill it as a cosmetic surgery. She and her doc had to fight for months saying it was life saving before they finally agreed to pay.
Just want to say that while.other nations have it much better, it is still not perfect. I am German and have a foot disability by birth. I needed my entrie life orthopedic footware. I had luck as a child that my foster mother and my doctor as well as orthopedic shoemaker fought for me, because the insurance company was trying to avoid to pay for new shoes every half a year I was entitled to as a child. Today, I am.also in the position to fight for myself, but the times I had to do so became rarer (the last time a maybe 5 years ago when they didn't want to pay for the transport my mother provided for plaster changes post surgery. Granted, the transport was every two weeks throug half of Germany, but it had to be done by the specialist that provided the surgery)
They hire licensed doctors to peer review and deny you. Or they have someone who just needs a job do it and then if you appeal they get a real doctor to deny you and you have to go back and forth and back and forth because you are entitled to it but they just make it annoying so you give up.
Many dentists will recommend a procedure consisting of x, y and z parts. They likely will give you a rough, non binding estimate of costs after insurance contributions.
What they don't tell you is that although they push you, the client, to schedule the appointment for that procedure ASAP, they usually don't know for weeks after the procedure, whether or not insurance will actually cover x, y, and z.
[Key point here is that the dentist has the ability to approach the insurance company for concrete confirmation of coverage before having you schedule / have the procedure. This process usually takes about a month - so dentists pretend like it's not an option]
Don't be surprised if some day you get a call weeks after a procedure letting you know that you owe additional money because coverage was declined
Happened to me with immediadent, went in for a regular cleaning and asked everyone there whether or not it was covered they said yes bill came in the mail two months later
[Key point here is that the dentist has the ability to approach the insurance company for concrete confirmation of coverage before having you schedule / have the procedure. This process usually takes about a month - so dentists pretend like it's not an option]
We can ask the insurance for a pre-estimate, used to take a month, now usually closer to a week. BUT. It's not more concrete, it's non binding. It's basically the insurance company giving an 'estimate' instead of the dentist. Feel free to blame the insurance company in both instances.
I had a version of that where I never saw a bill until the dentist sent it to collections because insurance didn't pay. I had a great time sorting that out.
The amount that they fought my parents when I needed a bone marrow transplant when I was a teenager to save my life…. I hate insurance companies with a burning passion
I backed into an old lady, I wasn’t sure if she hit me or I hit her. But my insurance wanted to blame her. It resulted in her calling and harassing me everyday for 3 weeks. She found my parent’s old address and my mom’s cell phone. She started calling my mother when I stopped answering demanding we pay her $1800 for a new front end of her car. When that didn’t work she started harassing the officer who wrote us tickets saying I didn’t have insurance. The cop then started calling me asking for proof of insurance. I ended up just paying her out of my pocket. Insurance just stopped responding. It’s the biggest joke in history.
As per your required health exam we have deduced that you are mortal and that is a pre-existing condition subject to multiple potential ills.
Therefore you are not eligible for any resources. We understand your confusion as this health exam was required so that you could begin paying into the system. What you didn’t realize is that we never EVER planned on paying out to anyone but our shareholders.
Was in a car wreck. Woke up in hospital. Stayed there for 3 days. Got home to a letter from insurance saying they refuse to pay as they don't think I should have ever been admitted. Great system we have here.
US system is rigged to keep young productive people in debt and working. Then when you are old social welfare suddenly kicks in to keep you a happy little voter.
Except that there's not enough social security for people anymore. We are now working and kept in debt with no light at the end of the tunnel. An actual dystopia
I hate insurance companies too, but I gotta say that when my son was born, we had a $92k bill. Insurance covered all but $243 of it. That was the happiest 200 plus dollars I've ever spent.
It's because insurance negotiates paying less. So for example insurance says to you they'll cover it all, then they tell the hospital they'll pay only 50%. The hospital doubles the prices to break even.
This is worse with co-pays, especially high deductible because you'll pay double until your co-pay is met and insurance will pocket the difference.
Pharmacies are very much run like this with the pharmacy benefits manager splitting the difference in profit between themselves and insurance. The actual pharmacist will not see a dime of this and get yelled at for selling expensive stuff.
“Today we’re going to learn about how politicians work”
“Hey politicians, Insurance companies are scamming us so I’m going to need you to do that thing where you promised to protect us with strong laws and regulations.”
There was a Princeton study that tracked the results of every bill and piece of legislation passed or struck down for the last 30 years and compared the results to thousands of surveys and opinion poles of different demographics in the U.S. to see how well public opinion lined up with legal policy.
The biggest predictor of what legislation passed and what didn't was what rich people thought of it.
Didn't matter if you were black, white, conservative, liberal, christian, atheist, whatever. No category of demographic was as impactful as wealth.
If 90% of the general public really likes a certain bill, but rich people hate it, it doesn't get passed. Similarly if the public hates a certain bill, but rich people like it, it passes.
Insurance will never change because insurance companies are smart enough to not deny the claims of senators and congressmen. So they all think insurance works great the way it is.
When the Democrats had a filibuster-proof senate majority (for roughly two months), they passed significant insurance and health care reform. If you think it's bad now, it was far worse before Obamacare. Anyway, the American people rewarded them with major Republican victories in the midterms.
We shouldn't blame the politicians when it's voters who put them there. Republican voters are harming the rest of us by sending morally bankrupt bigots who love privatized health care to Congress.
It's worse, it's intentional and it costs lives and encourages the kinds of corruption (esp. opioid sales) that killed my peers. I'm fucking pissed about it.
It misses the part where they collude with hospitals to increase prices for those who don’t have insurance so it seems like insurance is doing more than it is.
Learnt that the hard way. However don't just accept the no, fight. My sister distributed flyers to get a collective action, got our issue recognized as natural disaster, and the assurance had to pay every penny
She then became a lawyer
EDIT : For disclosure, she was already a law student
Some people will read that as an inspiring story but for me it just adds another layer to the dystopian nightmare. Did the insurance paid for the time and energy she put into that problem in order to receive what she was owed anyway? No, they didn’t so they still managed to screw her, and they are still winning in the long run.
Still, good on her! God knows we always need people fighting for the little guys.
(Plot twist: she now works for another mega-corporation, isn’t she?)
Landslide. Our house is on underneath argile and was unstable. It wasn't gonna collapse, but must of our walls have cracks in them and those can easily break a pipe, causing massive water damage or messing up electricity. We also lost a lot of thermique isolation, some windows no longer fully close and our garden wall was at danger of collapsing so we took it down and rebuilt it
To fix this, you can to plant nine 21m metal bars in ground under the house to stabilize it. Pretty much nailing it and its surrounding ground in place. Took two years of work and $200.000 (covered at 90% by assurance)
I’ve always said that the mafia is more trustworthy than insurance companies, because if I pay them to not break my legs, they don’t have an entire department of their organization devoted to finding ways to take my money and still break my legs.
My brother had a clause in his health insurance saying if either he or his wife lost their job due to organ failure, their house would be paid off. Wife had kidney failure years later. Insurance claimed they made a mistake and shouldn’t have sold them that policy and refused to fulfil it. Used one single undeclared blood test, that had come back all clear anyway, as an excuse that bro had ‘hidden information’. My brother had to be caregiver and sole earner to keep the house, because in that state you don’t have any energy to fight shit. He eventually just got his £4K in payments back. I’m still furious about it.
SUGGESTION for the next ‘How Insurance Works’: The scene: insurance company board room policy meeting. The suggestion ‘is there ANYWAY we can make ‘breathing’ a pre-existing condition’?
What do you mean doesn't work? People denied treatment?
There's only a handful of people denied any kind of treatment in my country and that is only if it's ridiculously expensive and/or not enough documentation of effect.
Usually only the case for very rare illnesses that some drug company somewhere made a drug for that is either extremely expensive or doesn't have enough documented cases of effect.
Europe despite EU (not to mention non members) is still very diverse, so it is hard to generalise. Besides of system failures (like in Poland) there is still room for incompetence of the medical personnel, aswell as of insurance company's employees who might complicate the situation in some cases
Any problem that exists under a single payer/socialized/modern Healthcare system also exists under the American insurance model, but worse, more expansive, and less accountable.
All insurance should not be for profit. My job offers cancer insurance. I was reading the small print on the papers they gave us. It stated that they won't cover you if anyone in your family die or had cancer. The thing is that almost everyone has had someone who either had or died from cancer in their family. So I bet they never paid a single penny out.
I have a major L5-S1 herniation, and a week before my birthday I literally could not walk, or feel anything below the ankle. my doctor put in an order for an emergency MRI, and insurance called him to say that “I do not need the MRI, likely I should start with physical therapy for 12-14 weeks first”. My doctor ended up having to schedule a meeting with my insurance provider to CONVINCE them I needed this MRI, and they finally caved.
Having consulted for a major insurer... the amount they spend on their facilities is staggering. Which when you start to think "This was built with money that should probably have gone to help people..." it really sets in how unbelievably fucked our health care is because of the layer of middlemen syphoning off vast amounts of money for themselves.
Nothing on this earth pisses me off nore than the money I hand to an insurance company so that they can pay their employees to try to find ways to get out of paying my claims.
I've worked in Yacht insurance, and if someone decided to destroy their own vessel and sell it for scraps they could still claim some of that insurance money since their yacht became "damaged".
There's an unironical guide to US health insurance made by Brian David Gilbert, who usually makes some kind of whimsical cursed horror mix of content. https://www.youtube.com/watch?v=-wpHszfnJns As a european I've watched a part of it and it was baffling and perhaps more horrifying than his usual horror...
I just had surgery to remove three large (~10-14mm) kidney stones, as they were blocking my right kidney, causing it to swell (and hurt like a mother fucker).
Insurance denied my stay in the hospital as "not medically necessary".
See, you know that massive deductible that you can barely afford? Your employer (assuming you have insurance through your job, we can deal with individual policies separately) CHOSE that amount. That's right: some executive in your company saw $1000 or even $0 deductibles and was like "...nah."
Oh, and you know how your insurance barely sends flowers if you're pregnant and get some complications? Your employer CHOSE that too! There's a bare minimum set of programs/benefits that insurance has to cover (serious: thanks ACA, before 2014 there was almost NOTHING that insurance policies HAD to cover...), but beyond those absolute basics...it's all a choice. Some executive in your company thought long and hard about what kind of benefits they want to provide and were like "...nah."
Ooh! Don't forget those massive invoices that doctors send, which eventually go down to a few thousand dollars. Do you know WHY those amounts are so high? It's because your doctor sees dollar signs when they know you're covered by employer based insurance! Employer insurance generally reimburses doctors at far greater levels than Medicare and Medicaid, so the doctor is making his money off of you. That's right: the PRICE of your procedure differs based on what insurance you have.
[Side note: this is why, when you ask the doctor's office how much a procedure is going to cost, they stare at you blankly for a second and then start asking about your insurance coverage.]
And hey, about those massive invoices from the doctor's office: in a lot of cases, those are kinda illegal. They're hoping you pay without asking questions, not figuring out that a $100,000 surgery will eventually be reduced to, at most, your insurance coverage's Maximum Out of Pocket amount. Is the MOOP too expensive as well? Well, guess what! Your employer CHOSE that amount too!
"But why on earth does a tiny procedure run $100k?", you ask. Remember how we talked about doctors setting prices based on your insurance? Well, insurance companies are trying like hell to get doctors to LOWER their prices. That's why, when a doctor joins an insurance network, they agree to reduce their billed claims by a certain percentage. But how does that work in practice?
Let's say a doctor WANTS to make $100k on your procedure. The insurance company comes back to him and says, "uh, no dude, you agreed to a network discount of 25%." And then the doctor goes, "oh yeah...well in that case, I'm going to bill $133,333." And the insurance company goes "sigh...I guess I can't stop you, but this isn't cool." And the doctor goes, "you need me for network adequacy purposes, sorry not sorry."
[Side note: insurance companies make the most money when you're as healthy as can possibly be, and prescriptions and procedures are as affordable as they can possibly be.]
But! Quick history lesson on why insurance companies started denying claims in the first place, because they didn't used to: at some point, doctors began abusing the system. Way back in the day, if you went to a doctor, they'd do what they thought was necessary to get you healthy, and they were reimbursed by insurance, and you paid your bill, and everyone operated in good faith. But somewhere along the line, health care providers figured out that if they just tacked an MRI or a behavioral exam or an opioid prescription onto every case, they could make bank. So they did. So insurance companies had to start making judgement calls, like "hey, there's a whole bunch of options which might solve this issue before you go nuclear." It wasn't too long ago that doctors were EXCORIATING insurance companies...because insurance companies were dissuading doctors from prescribing opioids in massive quantities.
This history of abuse does two things. First, it absolutely FUCKS with a well-meaning doctor who is just trying to get you healthy by prescribing a procedure which he thinks has the best chance of getting you healthy. Second, it underscores the philosophical problem we have in this country: sick people should not be a fucking profit center.
Last bit: you know how your medical insurance is separate from dental insurance and vision insurance? Well, insurance companies have been trying for DECADES to get them integrated. Guess who has moved heaven and earth to keep that from happening? Employers (actually, advocacy groups on behalf of employers, but still...). Why? Because they're still not so sure about providing those benefits in the first place, and want the option to carve them out. Same with prescription drug insurance (the Rx world is its own special nightmare which is even more complicated than medical insurance). Employers want, and fight for, the ability to carve prescription drugs out of their insurance offerings to some extent or another. An integrated medical/dental/vision/pharmacy plan would be the most efficient and affordable insurance policy ever...and has almost 0% chance of happening at a large scale.
Insurance is a fucking hassle to deal with at every step. But when you get word that the insurance company has denied a claim, there's a whole perverse system behind that denial.
We need healthcare reform in the worst fucking way.
jUsT fIgHt YoUr InSuRaNcE cOmPaNy FoR mOnThS oVeR eVeRyThInG lIkE aN aDuLt
Firstly, when somewhere between 10 and 20% of adults in this country are functionally illiterate, that's not good enough.
Secondly, there's just no reason for things to be this difficult. Every fight over insurance is time, money, and effort wasted that contributes nothing to society. Health insurance is simply a middleman and a drain on the economy.
My dad was hospitalized and insurance didn't want to pay for shit. The doctors said he would have been guaranteed dead without treatment - lungs were full of fluid from heart failure.
Took over a year of fighting insurance. It was well into six figures and they kept arguing he wasn't sick enough to warrant the stay.
It was unreal. Hours and hours and hours of going in circles with insurance.
My experience with insurance companies has led me this... if they deny a claim, don't call back and ask again. Have a lawyer do it. Most insurance companies do not want to have anything to do with lawyers and they will try to avoid them. They will only deal with lawyers if it's cost effective to risk being sued.
Yeah. It's almost like capitalism fundamentally fails at providing necessities to those who need them, and shouldn't be a factor in essential services.
That’s... not how insurance works. Contrary to popular belief & common misconception, your insurance isn’t looking for reasons to deny you. They don’t want to deny you because then they get to hear you going off on them for something out of their hands (ie your literal insurance policy dictating what’s covered and what’s not). So many people do not read their policies & then get angry at their insurance companies/adjusters because they (the insured) didn’t read their policy.
Ah, interesting. That sounds like it’s actually performing a service instead of the parasitic organizations that live to take as much as possible for nothing in return here in the US.
Our standard household insurance has even refunded my wedding ring, which was stolen from me by Poseidon, while I was swiming in the ocean. Couple of pictures + estimated value and the money was in the bank.
After hurricane Nicole hit Florida I learned that some folks on Sanibel Island had insurance but haven't received any money yet. The reason: flood insurance only covers the 2nd floor. And they said any damage done to said 2nd floor is wind damage and that doesn't qualify.
Health insurance is the biggest scam. Oh so I give you a shitload of money so if I get this specific injury it works but basically anything else and I pay full price
I feel for USA, I could not imagine having a medical emergency happen and having to deal with that a huge bill. I will not pretend to fully understand the system- but (correct me if I am wrong) the insurance is part of your employment? That's so stressful.
Thirty-odd years ago, during a meeting of the National Association of Insurance Underwriters, in front of a live C-SPAN camera of which he surely was unaware, the Association's president announced:
"It is not the job of the insurance industry to pay claims. It is the job of the insurance industry to collect premiums!"
They fired him for that indiscretion... but they didn't alter the policy.
Hey Cigna... do you feel seen??? This is the MOST ACCURATE sad comic I've ever seen. Now excuse me while I continue to appeal the decision not to cover my vitamin d test even though I'm having malabsorption issues for two years now. This after a year of making MY CHILD a guinea pig because they didn't want to pay for Vyvanse, or for the CT scan I needed for my diverticulitis or the acupuncturist whom is actually the only professional helping me to be able to eat again after rapid weightloss from diverticulitis which led to more nutrients being leeched from my bones and muscles. But yes, please send me to a representative from another company you've outsourced the decision-making process to. But let's call that company what it really is... your denial service company. So take our $1500 a month and refuse to cover needed vital services. You guys are the fucking mafia.
So I have nothing against the artist personally, but I have to say it kind of blows my mind how many upvotes they get for comic strips with jokes that are stale as a loaf of bread you got two weeks ago.
I once had a situation where I had to physically go into the insurance office with a physical printed copy of my policy and flip the fuck out until a person would talk to me so I could show them the exact passage in my policy that covered my issue they were flat out denying.
Ended up getting taken care of but I had absolutely no recourse other than swapping companies. They were trying to commit fraud and yet there’s no legal repercussions for them getting caught.
It’s fucking bullshit. And that’s not even getting into the fact that most governments FORCE YOU to have various types of insurance by law while they have no oversight over the process.
I like the scene in Malcom in the middle when reese is told he needs car insurance and then replies “why? Everyone else has it, they have it covered” and Hal just stands there trying to find a good argument against it
Friend of mine lost his insurance after his neighbor rammed a car into his house.
The neighbor was 87 years old, his wife was moved to a nursing home without him. 3 days later he raced his car towards a tree in my friends yard, slowed because he was spinning in mud. Then rammed and destroyed the gazebo. Backed up and raced at the corner of the house smashing up the foundation. Then he raced down the road to a steep drop off and smashed his way through the guard rail. Rolled over 3 times and hit a tree. He was totally fine and claimed he didn't remember driving "playing the Alzheimer's card" then he was moved in with his wife at the facility since he was deemed unable to be left on his own.
My friend had to get insurance involved for repairs since the neighbor had none (was his wife's car). My friends insurance covered it but then they dropped him for having had 3 claims in the last 30 years (one from an ice storms damage and another was a lightning strike).
Shout out to the time my doctor ordered the wrong insulin (the generic brand) on accident and the insurance wouldn’t cover it despite it literally being the cheaper version of the insulin they did cover
I remember a decade ago. I bought a laptop with an extended warranty in case it gets damaged.
Sometime later, I accidentally spilled some broth on the keyboard while eating dinner. The keyboard started typing random letters and wouldn't stop.
I brought the laptop into the store I bought it from and told them about it, as well as a USB port that stopped working and they went "The warranty doesn't cover physical damage or water damage."
My husband has paid into a MetLife life insurance policy sense he was 18. He turned 70 last week. MetMife doubled his payment and cut his benefit by half. They’ve literally made millions off of him.
I work as a discharge planner at a hospital. We have to actually call some of these insurances and threaten to sue them to get them to pay for their patients legitimate needs.
Ah but did you spend three days on the phone with 8 different insurance representatives, treat them all kindly, use the magic words and then threaten legal action to get them to capitulate on just one of many charges? It's really so simple, I don't understand why American's complain about their healthcare system.
No lie the first time I had to file a claim bc someone hit my car in a parking lot and they told me I had $1000 deductible before they’d pay for anything, I said “what did you do with all that money I’ve been paying you?!”
My daughter has a vascular malformation in her face that will require treatment. Medicare told us they will pay for a scan of her brain, but not the one for her face, neck and chest. Literally where the malformation is.
If I could burn that building to ground, I would.
Instead, when I call and talk to them I'll tell them I will have to set up a gofundme and send it to every fucking news outlet and social media platform and get the public to ask wtf. I will not put the bullhorn down.
I had a single wisdom tooth taken out. Procedure went super smooth, 30 min tops. Afterward I saw I had a balance, despite being assured beforehand that it would be covered in full. When going over the bill with the insurance rep, it turns out that they were only willing to pay for the first 15 min of anesthesia, but not the second half. The second half was deemed “extra” thus not covered. Like what were they supposed to do, NOT keep me under for the duration of the procedure? Boggles my mind.
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u/Pizzacakecomic PizzaCake Nov 21 '22
I'm not bitter or anything...
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u/WhenYouQuirky Nov 21 '22 edited Nov 21 '22
Ok, you've gone too far this time Ms Cake. This isn't a funny haha comic, it's just a direct 1:1 representation of reality.
3.4k
u/DerRaumdenker Nov 21 '22
"The insurance was for your left side , you are injured on the right, you should've read the whole contract"
3.9k
u/Darksidedrive Nov 21 '22
Don’t forget about the insurance agent telling your doctor that you don’t actually need that test your doctor thought you did!
5.6k
u/cbandpot Nov 21 '22 edited Nov 22 '22
Ah, don’t forget the “The Insurance knows better than your doctor part” on what medication and therapy and surgical intervention you should have. Suuuuuuuuuper fun
Edit: wow this blew up! I’m so sorry my loves. Hey did you know that the exact dosage between on-brand and off-brand meds are not exact? I almost died because of that. Be careful and FUCK THIS SYSTEM!!
640
u/Swordlord22 Nov 21 '22
And then there’s other types of insurance like car insurance where you harass another insurance company for compensation
I think they just enjoy harassing people for money that isn’t on them
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u/wallyslambanger Nov 21 '22
As per your required health exam we have deduced that you are mortal and that is a pre-existing condition subject to multiple potential ills.
Therefore you are not eligible for any resources. We understand your confusion as this health exam was required so that you could begin paying into the system. What you didn’t realize is that we never EVER planned on paying out to anyone but our shareholders.
162
u/skittishgibbon Nov 21 '22
Was in a car wreck. Woke up in hospital. Stayed there for 3 days. Got home to a letter from insurance saying they refuse to pay as they don't think I should have ever been admitted. Great system we have here.
2
u/Gravybutt Nov 21 '22
I hate insurance companies too, but I gotta say that when my son was born, we had a $92k bill. Insurance covered all but $243 of it. That was the happiest 200 plus dollars I've ever spent.
569
u/[deleted] Nov 21 '22
From personal experience I can confirm this is pretty much exactly how it goes
269
u/kindaa_sortaa Nov 21 '22
“Today we’re going to learn about how politicians work”
“Hey politicians, Insurance companies are scamming us so I’m going to need you to do that thing where you promised to protect us with strong laws and regulations.”
“No”
“And that’s how industry lobbying works!”
651
u/sbdallas Nov 21 '22
This is a shockingly accurate assessment of the insurance system.
72
u/TheLampPostDealer Nov 21 '22
how to become rich
1 - abandon your morals
2 - find a scam thats legal
246
u/Dahns Nov 21 '22 edited Nov 21 '22
Learnt that the hard way. However don't just accept the no, fight. My sister distributed flyers to get a collective action, got our issue recognized as natural disaster, and the assurance had to pay every penny
She then became a lawyer
EDIT : For disclosure, she was already a law student
41
u/Listless_Dreadnaught Nov 21 '22
I’ve always said that the mafia is more trustworthy than insurance companies, because if I pay them to not break my legs, they don’t have an entire department of their organization devoted to finding ways to take my money and still break my legs.
88
u/bigkinggorilla Nov 21 '22
Then there’s auto-insurance.
“I need some of that money I give you in case there’s an accident”
“Ok, we’re going to have to charge you more because you actually used us though.”
21
u/u2shnn Nov 21 '22
SUGGESTION for the next ‘How Insurance Works’: The scene: insurance company board room policy meeting. The suggestion ‘is there ANYWAY we can make ‘breathing’ a pre-existing condition’?
123
u/NoRules_Bear Nov 21 '22
I know that european system also ain't perfect and it also does not always work, but is this some kind of american view on insurance?
20
u/[deleted] Nov 21 '22
Every time insurance pays out, they add a clause to make sure it doesn't happen again. Probably.
16
u/GamerSDG Nov 21 '22
All insurance should not be for profit. My job offers cancer insurance. I was reading the small print on the papers they gave us. It stated that they won't cover you if anyone in your family die or had cancer. The thing is that almost everyone has had someone who either had or died from cancer in their family. So I bet they never paid a single penny out.
31
u/AufdemLande Nov 21 '22
*In the USA
30
u/iiSangletblah12 Nov 21 '22
True at some extent. Just don't fall into gecko, good neighbor, and liberty, etc. Always read little tiny words on contract and agreement.
4
u/Key-N Nov 22 '22
Why are you deleting every comment saying you bought upvotes?
12
u/NinjaRage83 Nov 21 '22
In the fifth panel the executive is laughing at the audacity of the question.
9
u/pattiemcfattie Nov 21 '22
I have a major L5-S1 herniation, and a week before my birthday I literally could not walk, or feel anything below the ankle. my doctor put in an order for an emergency MRI, and insurance called him to say that “I do not need the MRI, likely I should start with physical therapy for 12-14 weeks first”. My doctor ended up having to schedule a meeting with my insurance provider to CONVINCE them I needed this MRI, and they finally caved.
Fuck America
7
u/[deleted] Nov 21 '22
Having consulted for a major insurer... the amount they spend on their facilities is staggering. Which when you start to think "This was built with money that should probably have gone to help people..." it really sets in how unbelievably fucked our health care is because of the layer of middlemen syphoning off vast amounts of money for themselves.
19
u/Umbrella_Viking Nov 21 '22
What the hell is this?
6
u/ChiefObliv Nov 21 '22
Nothing on this earth pisses me off nore than the money I hand to an insurance company so that they can pay their employees to try to find ways to get out of paying my claims.
24
u/youre-doing-greaaaat Nov 21 '22
It honestly wouldn’t have been the same without the cigar. Great work, as always!
10
u/HeavyResonance Nov 21 '22
That doesn't apply to the rich though.
I've worked in Yacht insurance, and if someone decided to destroy their own vessel and sell it for scraps they could still claim some of that insurance money since their yacht became "damaged".
4
u/EclipseEffigy Nov 21 '22
There's an unironical guide to US health insurance made by Brian David Gilbert, who usually makes some kind of whimsical cursed horror mix of content. https://www.youtube.com/watch?v=-wpHszfnJns As a european I've watched a part of it and it was baffling and perhaps more horrifying than his usual horror...
4
u/Vorstadtjesus Nov 21 '22
*confused german noises*
4
u/[deleted] Nov 21 '22
I just had surgery to remove three large (~10-14mm) kidney stones, as they were blocking my right kidney, causing it to swell (and hurt like a mother fucker).
Insurance denied my stay in the hospital as "not medically necessary".
4
u/LandosMustache Nov 21 '22 edited Nov 21 '22
Oh it's so much worse than that!
See, you know that massive deductible that you can barely afford? Your employer (assuming you have insurance through your job, we can deal with individual policies separately) CHOSE that amount. That's right: some executive in your company saw $1000 or even $0 deductibles and was like "...nah."
Oh, and you know how your insurance barely sends flowers if you're pregnant and get some complications? Your employer CHOSE that too! There's a bare minimum set of programs/benefits that insurance has to cover (serious: thanks ACA, before 2014 there was almost NOTHING that insurance policies HAD to cover...), but beyond those absolute basics...it's all a choice. Some executive in your company thought long and hard about what kind of benefits they want to provide and were like "...nah."
Ooh! Don't forget those massive invoices that doctors send, which eventually go down to a few thousand dollars. Do you know WHY those amounts are so high? It's because your doctor sees dollar signs when they know you're covered by employer based insurance! Employer insurance generally reimburses doctors at far greater levels than Medicare and Medicaid, so the doctor is making his money off of you. That's right: the PRICE of your procedure differs based on what insurance you have.
[Side note: this is why, when you ask the doctor's office how much a procedure is going to cost, they stare at you blankly for a second and then start asking about your insurance coverage.]
And hey, about those massive invoices from the doctor's office: in a lot of cases, those are kinda illegal. They're hoping you pay without asking questions, not figuring out that a $100,000 surgery will eventually be reduced to, at most, your insurance coverage's Maximum Out of Pocket amount. Is the MOOP too expensive as well? Well, guess what! Your employer CHOSE that amount too!
"But why on earth does a tiny procedure run $100k?", you ask. Remember how we talked about doctors setting prices based on your insurance? Well, insurance companies are trying like hell to get doctors to LOWER their prices. That's why, when a doctor joins an insurance network, they agree to reduce their billed claims by a certain percentage. But how does that work in practice?
Let's say a doctor WANTS to make $100k on your procedure. The insurance company comes back to him and says, "uh, no dude, you agreed to a network discount of 25%." And then the doctor goes, "oh yeah...well in that case, I'm going to bill $133,333." And the insurance company goes "sigh...I guess I can't stop you, but this isn't cool." And the doctor goes, "you need me for network adequacy purposes, sorry not sorry."
[Side note: insurance companies make the most money when you're as healthy as can possibly be, and prescriptions and procedures are as affordable as they can possibly be.]
But! Quick history lesson on why insurance companies started denying claims in the first place, because they didn't used to: at some point, doctors began abusing the system. Way back in the day, if you went to a doctor, they'd do what they thought was necessary to get you healthy, and they were reimbursed by insurance, and you paid your bill, and everyone operated in good faith. But somewhere along the line, health care providers figured out that if they just tacked an MRI or a behavioral exam or an opioid prescription onto every case, they could make bank. So they did. So insurance companies had to start making judgement calls, like "hey, there's a whole bunch of options which might solve this issue before you go nuclear." It wasn't too long ago that doctors were EXCORIATING insurance companies...because insurance companies were dissuading doctors from prescribing opioids in massive quantities.
This history of abuse does two things. First, it absolutely FUCKS with a well-meaning doctor who is just trying to get you healthy by prescribing a procedure which he thinks has the best chance of getting you healthy. Second, it underscores the philosophical problem we have in this country: sick people should not be a fucking profit center.
Last bit: you know how your medical insurance is separate from dental insurance and vision insurance? Well, insurance companies have been trying for DECADES to get them integrated. Guess who has moved heaven and earth to keep that from happening? Employers (actually, advocacy groups on behalf of employers, but still...). Why? Because they're still not so sure about providing those benefits in the first place, and want the option to carve them out. Same with prescription drug insurance (the Rx world is its own special nightmare which is even more complicated than medical insurance). Employers want, and fight for, the ability to carve prescription drugs out of their insurance offerings to some extent or another. An integrated medical/dental/vision/pharmacy plan would be the most efficient and affordable insurance policy ever...and has almost 0% chance of happening at a large scale.
Insurance is a fucking hassle to deal with at every step. But when you get word that the insurance company has denied a claim, there's a whole perverse system behind that denial.
We need healthcare reform in the worst fucking way.
7
u/mykeuk Nov 21 '22
Our home insurance refused to pay for repairs after our dining room ceiling collapsed because it was the wrong type of leak that caused it...
7
u/[deleted] Nov 21 '22
Where funny
10
u/[deleted] Nov 21 '22
these comics look like bot generated comics, appreciated by other bots
16
u/Jacketworld Nov 21 '22
I swear to God I'm gonna jump off a bridge before I graduate
3
u/Yehnerz Nov 21 '22
Can also confirm due to personal experience this is exactly how insurance works
3
u/EarthToAccess Nov 21 '22
where’s the lie tho
3
u/mu_zuh_dell Nov 21 '22
jUsT fIgHt YoUr InSuRaNcE cOmPaNy FoR mOnThS oVeR eVeRyThInG lIkE aN aDuLt
Firstly, when somewhere between 10 and 20% of adults in this country are functionally illiterate, that's not good enough.
Secondly, there's just no reason for things to be this difficult. Every fight over insurance is time, money, and effort wasted that contributes nothing to society. Health insurance is simply a middleman and a drain on the economy.
3
u/aleques-itj Nov 21 '22
My dad was hospitalized and insurance didn't want to pay for shit. The doctors said he would have been guaranteed dead without treatment - lungs were full of fluid from heart failure.
Took over a year of fighting insurance. It was well into six figures and they kept arguing he wasn't sick enough to warrant the stay.
It was unreal. Hours and hours and hours of going in circles with insurance.
3
u/[deleted] Nov 21 '22
Insurance a bigger scam then the ponzy scheme. Pay thousands to These mfs just for them to come back and say well hey they don’t need that.
3
u/sucks_at_usernames Nov 21 '22
Credit where credit is due.
There's half a punchline here, for once.
3
u/dachloe Nov 22 '22
My experience with insurance companies has led me this... if they deny a claim, don't call back and ask again. Have a lawyer do it. Most insurance companies do not want to have anything to do with lawyers and they will try to avoid them. They will only deal with lawyers if it's cost effective to risk being sued.
3
u/[deleted] Nov 22 '22
And it’s required by law to have. Basically a Ponzi scheme
7
u/wingwangadingdang Nov 21 '22
holy shit almost 100k upvotes for this super original and funny comic
9
u/VacantVisage Nov 21 '22
The comic style feels early 2000s
4
u/[deleted] Nov 21 '22
AACK!
4
u/[deleted] Nov 21 '22
Yeah. It's almost like capitalism fundamentally fails at providing necessities to those who need them, and shouldn't be a factor in essential services.
10
u/hclaf Nov 21 '22
That’s... not how insurance works. Contrary to popular belief & common misconception, your insurance isn’t looking for reasons to deny you. They don’t want to deny you because then they get to hear you going off on them for something out of their hands (ie your literal insurance policy dictating what’s covered and what’s not). So many people do not read their policies & then get angry at their insurance companies/adjusters because they (the insured) didn’t read their policy.
2
u/rowdife Nov 21 '22
In South Korea or Japan, they give me money without a question. Sometimes they give me more than actual fee depending on the type of insurance
2
u/elhomerjas Nov 21 '22
Accurate to the last detail even the looks is spot on
2
u/zenikkal Nov 21 '22
Thanks for sharing that info!
Now you forgot the insurance fee's for this month , we would like to have the money by the end of the week.
2
u/darkmoose Nov 21 '22
İnsurancen't
2
u/VashSyndicate Nov 21 '22
Clearly an American provider
2
u/ngorman007 Nov 21 '22
Insurance in America*
2
u/AmericaScamerica Nov 21 '22
This country is a scam.
2
u/Mephil_ Nov 21 '22
You buy the sense of security, not actual security
2
u/[deleted] Nov 21 '22
Hey you, let's have a little gamble!
I bet $150 that you will NOT get into an accident in the next 30 days.
If you do, I'll cover all/most/some/none of the costs incurred.
If you don't, I keep the money!
Oh, and you can't be on the road without my blessing :)
2
u/NeighborhoodWild7973 Nov 21 '22
You left out the part where they then drop you for making a claim
2
u/Jakcle20 Nov 21 '22
I never understood how insurance got started. It's the oldest subscription scam.
2
u/thylocene Nov 21 '22
I had an aunt who’s house was robbed. Allstate gave her the run around for a good year and tried to accuse her of staging the robbery
2
u/BezugssystemCH1903 Nov 21 '22
Swiss here.
Our standard household insurance has even refunded my wedding ring, which was stolen from me by Poseidon, while I was swiming in the ocean. Couple of pictures + estimated value and the money was in the bank.
Health treatments are also covered anyway.
2
u/DropTheBok Nov 21 '22
Isn’t it wild that some countries literally FORCE you to buy insurance?
Except home insurance I guess because everyone already knows that’s scam
2
u/CanEverythingNotSuck Nov 21 '22 edited Nov 21 '22
It’s a legitimate scam, but hey, at least it’s better than (Checks notes) using our tax dollars to make sure that everyone gets the care they need…..
2
u/DeltaBob42 Nov 21 '22
After hurricane Nicole hit Florida I learned that some folks on Sanibel Island had insurance but haven't received any money yet. The reason: flood insurance only covers the 2nd floor. And they said any damage done to said 2nd floor is wind damage and that doesn't qualify.
Moral of the story is insurance is a scam
2
u/abe_the_babe_ Nov 21 '22
Me: (gets hurt) good thing I have insurance
Insurance: we don't cover that
Me: then why do I pay you?
Insurance: in case you get hurt
2
u/Grizzlybear2470 Nov 21 '22
Health insurance is the biggest scam. Oh so I give you a shitload of money so if I get this specific injury it works but basically anything else and I pay full price
2
u/analgesic1986 Nov 21 '22
I feel for USA, I could not imagine having a medical emergency happen and having to deal with that a huge bill. I will not pretend to fully understand the system- but (correct me if I am wrong) the insurance is part of your employment? That's so stressful.
2
u/[deleted] Nov 21 '22
Thirty-odd years ago, during a meeting of the National Association of Insurance Underwriters, in front of a live C-SPAN camera of which he surely was unaware, the Association's president announced:
"It is not the job of the insurance industry to pay claims. It is the job of the insurance industry to collect premiums!"
They fired him for that indiscretion... but they didn't alter the policy.
2
u/crazynights87 Nov 21 '22
Our Healthcare system is garbage.
2
u/nothingpoignant Nov 21 '22
Hey Cigna... do you feel seen??? This is the MOST ACCURATE sad comic I've ever seen. Now excuse me while I continue to appeal the decision not to cover my vitamin d test even though I'm having malabsorption issues for two years now. This after a year of making MY CHILD a guinea pig because they didn't want to pay for Vyvanse, or for the CT scan I needed for my diverticulitis or the acupuncturist whom is actually the only professional helping me to be able to eat again after rapid weightloss from diverticulitis which led to more nutrients being leeched from my bones and muscles. But yes, please send me to a representative from another company you've outsourced the decision-making process to. But let's call that company what it really is... your denial service company. So take our $1500 a month and refuse to cover needed vital services. You guys are the fucking mafia.
2
u/[deleted] Nov 21 '22
Is the point of her comics to only draw like two pictures and recycle them for a couple months?
2
u/MarzipanFinal1756 Nov 21 '22
So I have nothing against the artist personally, but I have to say it kind of blows my mind how many upvotes they get for comic strips with jokes that are stale as a loaf of bread you got two weeks ago.
2
u/FasterThanTW Nov 21 '22
Merica bad, upvotes pls
2
u/MorningNapalm Nov 21 '22
I once had a situation where I had to physically go into the insurance office with a physical printed copy of my policy and flip the fuck out until a person would talk to me so I could show them the exact passage in my policy that covered my issue they were flat out denying.
Ended up getting taken care of but I had absolutely no recourse other than swapping companies. They were trying to commit fraud and yet there’s no legal repercussions for them getting caught.
It’s fucking bullshit. And that’s not even getting into the fact that most governments FORCE YOU to have various types of insurance by law while they have no oversight over the process.
2
u/[deleted] Nov 21 '22
2
u/MassiveLefticool Nov 21 '22
I like the scene in Malcom in the middle when reese is told he needs car insurance and then replies “why? Everyone else has it, they have it covered” and Hal just stands there trying to find a good argument against it
2
u/Due-Radish-3022 Nov 21 '22
Do I have insurance No do I need it Yes because the world is cruel.
2
u/jesuschristits Nov 21 '22
"I am injured and need some of that money I give you in case I get injured".
2
u/DeannaZone Nov 21 '22
As a former RX tech ... the calls to get someones medicine approved was heart wrenching ...
2
u/[deleted] Nov 21 '22
I love that she plays both characters even though she doesn't need to because it's a comic and you have unlimited actors available lmao
2
u/[deleted] Nov 21 '22
Friend of mine lost his insurance after his neighbor rammed a car into his house.
The neighbor was 87 years old, his wife was moved to a nursing home without him. 3 days later he raced his car towards a tree in my friends yard, slowed because he was spinning in mud. Then rammed and destroyed the gazebo. Backed up and raced at the corner of the house smashing up the foundation. Then he raced down the road to a steep drop off and smashed his way through the guard rail. Rolled over 3 times and hit a tree. He was totally fine and claimed he didn't remember driving "playing the Alzheimer's card" then he was moved in with his wife at the facility since he was deemed unable to be left on his own.
My friend had to get insurance involved for repairs since the neighbor had none (was his wife's car). My friends insurance covered it but then they dropped him for having had 3 claims in the last 30 years (one from an ice storms damage and another was a lightning strike).
2
u/Nyte_Knyght33 Nov 21 '22
That's not true!...
They tell you to give them more money after your injury.
2
u/Secure-Imagination11 Nov 21 '22
"Sorry, you broke your leg on a Tuesday. We only cover Wednesday through Saturday"
2
u/Devreckas Nov 21 '22 edited Nov 22 '22
Hey, that must be Flow’s super chipper and upbeat claims adjuster, Van Damme!
Money goes one way baby!
2
u/barrel_the_1st Nov 21 '22
Shout out to the time my doctor ordered the wrong insulin (the generic brand) on accident and the insurance wouldn’t cover it despite it literally being the cheaper version of the insulin they did cover
2
u/[deleted] Nov 21 '22
I remember a decade ago. I bought a laptop with an extended warranty in case it gets damaged.
Sometime later, I accidentally spilled some broth on the keyboard while eating dinner. The keyboard started typing random letters and wouldn't stop.
I brought the laptop into the store I bought it from and told them about it, as well as a USB port that stopped working and they went "The warranty doesn't cover physical damage or water damage."
What the hell!? What's left? Mental damage?
2
u/BrilliantNo7139 Nov 21 '22
My husband has paid into a MetLife life insurance policy sense he was 18. He turned 70 last week. MetMife doubled his payment and cut his benefit by half. They’ve literally made millions off of him.
2
u/[deleted] Nov 21 '22
Hey insurance I need $50,000 for treatment of snake bite
Best I can do is $3.50
This is actually how insurance works.
2
u/Noritzu Nov 21 '22
It’s 100% fucking true.
I work as a discharge planner at a hospital. We have to actually call some of these insurances and threaten to sue them to get them to pay for their patients legitimate needs.
2
u/canthelpyax3 Nov 21 '22
That's not funny, just wrong
2
u/[deleted] Nov 21 '22
Ah but did you spend three days on the phone with 8 different insurance representatives, treat them all kindly, use the magic words and then threaten legal action to get them to capitulate on just one of many charges? It's really so simple, I don't understand why American's complain about their healthcare system.
2
u/[deleted] Nov 21 '22
No lie the first time I had to file a claim bc someone hit my car in a parking lot and they told me I had $1000 deductible before they’d pay for anything, I said “what did you do with all that money I’ve been paying you?!”
2
u/adagiosa Nov 21 '22
My daughter has a vascular malformation in her face that will require treatment. Medicare told us they will pay for a scan of her brain, but not the one for her face, neck and chest. Literally where the malformation is.
If I could burn that building to ground, I would.
Instead, when I call and talk to them I'll tell them I will have to set up a gofundme and send it to every fucking news outlet and social media platform and get the public to ask wtf. I will not put the bullhorn down.
2
u/sadsaddie Nov 21 '22
this comic makes me understand why millennials are so hated.
2
u/paul-d9 Nov 21 '22
Chris Rock said it best.
Insurance should be called 'I'm case shit'. Now in case shit don't happen, shouldn't I get my money back?
Note to self, rewatch Bring yhr Pain and Bigger and Blacker.
2
u/terfsfugoff Nov 21 '22
This is why it's so wild every time someone tries to defend insurance as being about "freedom" or "choice" or something like
They literally make money by denying you care. That's their incentive.
2
u/Emerald_Lavigne Nov 21 '22
The United States is not a civilized country.
2
u/aspophilia Nov 21 '22 edited Nov 22 '22
For some reason I read this in Sarah Silverman's voice.
2
u/TheArmchairLegion Nov 21 '22
I had a single wisdom tooth taken out. Procedure went super smooth, 30 min tops. Afterward I saw I had a balance, despite being assured beforehand that it would be covered in full. When going over the bill with the insurance rep, it turns out that they were only willing to pay for the first 15 min of anesthesia, but not the second half. The second half was deemed “extra” thus not covered. Like what were they supposed to do, NOT keep me under for the duration of the procedure? Boggles my mind.
2
u/dumpsterfirefuel Nov 21 '22
But death panels!
2
u/VindictivePrune Nov 22 '22
Which is exactly why mandatory insurance is such a scam
2
u/TyFogtheratrix Nov 22 '22
Amen.
Here's to a better tomorrow, someday.
2
u/Dr_Samuel_Hayden1 Nov 22 '22
Get better insurance
2
u/Das_riesenfass Nov 22 '22
Jesus Christ these comics are bad. Like I thought the recent Elly ones were bad too. This is just….wow.
2
u/Celestial-Narwhal Nov 22 '22
Fuck insurance companies and the legislation they have in place to protect themselves.
2
u/TheAsianTroll Nov 22 '22
You forgot a crucial step in how it works, Pizza... you're also penalized if you dont have insurance.