The top donor to to the US Chamber of Commerce is the private health insurance industry. Congress is owned by the wealthy lobby, which is why they won't fix the system. Talk about money in politics before anything else.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
@@wsj We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
Do you know that Jesus loves you? He gave up his life and died on the cross to set us free from sin and gave us the opportunity to have everlasting life with him in heaven. Jesus is waiting for you with his loving arms. Please repent before it's too late. Godbless.
And over all that time, the only doctor who ever glanced at your case is the one who submitted it in the first place. Plenty of accountants and lawyers, zero doctors or people with any medical knowledge.
I’ve lost 5 years of my life, unable to work, unable to go 99% of places, unable to see people or live my life. I’m living in agony every day, waiting as my doctor continues to fight insurance. I’m in my late 20s and am dying.
I currently have a patient with a fracture in their spine. We waited 2 weeks for a decision from his insurance only to find out they deemed the proposed treatment unnecessary. I set up a peer to peer with the insurance employeed physician to overturn this decision. I had to close my schedule to wait for the call which never came. It has now been rescheduled to next week. If i would have not taken the call it would have resulted in automatic denial yet they can waste my time and prevent me from seeing other patients without consequence. And the person who suffers the most in this process is the patient in pain. Now multiply this by dozens of cases a month and you can see why this is unsustainable. This madness has to stop.
Thank you for being a caring physician and taking the time to do what is right even though you should not have to wait for them to disrespect you and then have to reschedule. I hope you get the call this time for your sanity and the patients health
@@Arjun-tg1go no. In most of these cases, as far as I am aware of, including those brought to the Supreme Court, the decisions fall on the sides of the insurance companies.
Thank you for putting your patient first, even when faced with impossibly difficult challenges. As someone with chronic illnesses and no health insurance, it warms my heart to know that you doctors are still fighting the good fight. Thank you so much for your service, Sir.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
What, like Sacco and Venzetti? It's a little late when the president-elect is someone who already broke every promise he ever made on healthcare, and is bodyguarded 24-7 like all the rest of the HMO CEOs.
Exactly, he will be a hero in history. The government wanting to make it seem like citizens should be scared of him will be a hilarious part of that history too 😂. Like nobody was scared of him, we supported him all along lol. Luigi “the adjuster” will very likely be in our history books in 200 years from now, like for real.
Not a good idea, frankly. Even if things go universal healthcare, there will be limits to what gets paid for, and some people will want top-up plans for extra care. For covered services, you still need people to process claims, explain what's covered, keep the servers running, all that admin stuff. What you really want is a third party checking them to make sure they do the right thing.
@@Aftermath-News lobbying is a HUGE problem, correct. im not agains the idea of lobbying an idea to congress but there needs to be STRICT rules and enforcement on how this is done. how about you get 1 hour presentation and DONE. You go home. End of story. No camping out for weeks at the capitol building....no dinners....no entertaining....no private meetings....and if you're caught breaking these rules the position you are lobbying for is automatically REJECTED. That would end a lot of BS.
Pharmacist here. The amount of Prior Auths we have to send to Dr's offices is ridiculous nowadays. Why does the Doctor who went through all that education and training need to explain to an insurance company why they have to be on a life-saving medication?! Their diagnosis should be enough. DELAY and DENY is right. Drug companies and therefore the FDA is most definitely in cahoots with these ins. companies.
You are of the mistaken belief that just because you go through 4 yrs med school plus x more years for a specialization that you are some sort of altruistic angel. The reality is doctors get paid based on the number of billable procedures they do in their specialty. More procedures means much more money and that is what most doctors are interested in. Conversely insurance companies are left being the firewall to protect patients for unnecessary procedures and meds. Think of it as a second professional opinion. I've seen doctors do procedures that could have been fixed with therapy and I've also seen doctors dole out meds like they are candy including hydro morphs. The healthcare system is f'ed all right but it isn't a single source of f. As a pharmacist you should know that your knowledge of meds and their effects far exceeds doctors knowledge.
Also, the doctor has a special relationship with the patient. The insurance company goon doctor or nurse or stooge or whatever person they use to deny a legally obligated claim, does not. This is practicing without a license and it is a crime that should result in prison time.
They tell patients, "the delay is because your doctor didn't complete the PA", when THEY created the PA form to begin with! They tell the patient, "your doctor didn't give us enough information"-then they should do what all doctors do, complete a history and physical on the patient, before making a decision on patient care! Vile
It won't matter. Chump broke every healthcare promise he ever made, survived two assassination attempts by loyal members of the political party he hijacked, and got re-elected with a judicial and legislative majority. The American body politic has a masochistic death wish.
Sorry. Climate Adjuster. The CEOs know why they must delay and deny. The thing is healthcare isn't about the climate factor. The Expert even admitted that the AI wasn't supposed to be used as claims screening and denying !
@@shellysmith1037The difference is FOR profit vs NON profit, and claims being denied VS claims always accepted. The issue is that the politicians are BOUGHT OUT by the insurance companies and other plutocrats. If the government WORKED FOR US and not THEM, then a single payer, government sponsored program would be ideal.
Medicare Advantage puts the insurance company between you and your doctor. It is privatized healthcare. Original Medicare does not do that. It is government run healthcare. No middle man to say no. Insurance Agents get bigger commissions to push Medicare "Advantage." Is a gym membership worth a major denial and all the turn-around you'll get with an Advantage plan?
Interesting. My mom is currently on Advantage and hasn't had any denials luckily. She's been getting all sorts of treatments and surgery the last year with cancer. I was thinking about looking into a different option or plan for her and maybe I will.
@@miacell5723 Yeah because Canada is a terrible example of single payer. Australia and France are better models to follow because they have a universal system where everyone is covered, plus a robust private system that's regulated by the government where there's competition and it helps to take pressure off of the public system as well as lower costs. You get the best of both worlds
@@fdssdfsdfs who said Canadians want the US system? It's simply true that some Canadians come to the US for healthcare because they don't want to wait in Canada. Or they may come to the US for a treatment that isn't available or won't be covered in Canada anyway. Idk how many Americans go to Canada trying to get healthcare there, I've never really heard of it. At any rate, I'll bet there are more Canadians coming to the US than the other way. I support some sort of national, universal healthcare system for the US. People should just understand that if the US gets such a system, it doesn't necessarily mean that people always get any treatment they may want or need or never have to wait. The denials and waits just aren't because of insurance not wanting to pay for it. It's the government not viewing it as necessary or otherwise rationing care.
@@chickenfishhybrid44 check your paragraph. you're all over the place. i THINK I know what you mean but I don't want to guess. Your first sentence needs context.
I’m a doctor and I’m so frustrated with insurance putting profits first before patients and doctors. I wasted so much time over the last few years dealing with insurance that at this point in my life I don’t even want to be a doctor anymore. I ve been screwed so many times over and I even had prior authorization for my patients and they still didn’t pay me. What a scam all these CEO’s should be in jail. They lied to my patients especially UHC and tried to turn the patient against me that I’m somehow responsible for them not paying me. What a scam I’m not surprised he got shot.
I see my own doctor exasperated all the time! And the energy they/you have to expend just to find out if a procedure is covered, or if there's a specialist in my network, etc etc etc. I never have gotten over it, going back to the 80s when the HMOs came in and we had to stop seeing the doctor we'd been seeing for the previous fifteen years!
You're not a doctor. Otherwise, you'd know hospitals are padding the bills, which lead to the requirement of prior authorization. The blame is shared with bad doctors and the hospitals themselves. Quit lying.
I have a question for you. Why do doctors and health systems keep on increasing prices beyond the reasonable level? Why are doctors and health systems charging different prices for the same services and tests when they are right across the street ? When I got a CT done one hospital charged 3k and went 5 blocks over the same CT same diagnosis 5.3k. Thankfully my insurance paid 80%. And that was the negotiated rate.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
I rolled my ankle super hard playing basketball this past summer. When I went to hospital, they did an x-ray and found nothing broken so they gave me some pills and sent me on my way. I couldn’t walk. They gave me a boot and crutches and I knew that something else was wrong. Swelling got worse, but when I went to a specialist, they had to schedule my MRI a month back. I needed to know ASAP if something was torn to get disability and spend time to recover and not work. I went back to the same ER I went to and the Nurse Practitioner gave me the best advice to how to deal with this problem. He said, “Come back in the morning. Let the staff know what your dealing with and that you want an MRI. Usually insurance takes a while to approve one, but if you come early morning and we admit you in, we can get it done by the end of the day” And that’s exactly what happened, I went in at 7am and got out at 5pm. Got my MRI and they found that I torn 3 ligaments and messed up a ton of muscle tissues as well. I got 2 months off work, w/dissability pay and PT. I owe my speedy recovery and time off to that guy.
Similar to someone I knew had to do this as well. They needed a procedure for their heart but it would take too long to wait for the insurance to give authorization or deny it. So the MD said to get admitted to the ED tomorrow morning and they would do the procedure.
Here’s the problem. You don’t need an mri to diagnose a torn ligament in your ankle. We used to do it 20 years ago without mris. And MRIs are extremely expensive. You still absolutely need PT to recover and the sooner the better. And two months off work sounds a bit high but reasonable. So I’m not defending insurance companies. But hospitals have gotten ridiculous the way they exploit the system to make money. I watched them give my great aunt a catscan and MRI after she had fainted when all she needed was a blood test. The whole system is exploitative and it’s us the patients who are suffering.
@@philiptran617 Not at all, usually with these costs, say medicine, the price is wildly inflated. Diabetic medicine was at one point over 200 per prescription. It wasn't until rita khan's lawsuit that it became 35. This, and items like inflating doctor's visits and more make it so that costs will rise. If insurance companies, the middle men of it all left, we could reign in on overpricing from clinics and proceed to create a competitive area for doctors and their clinics. As well making hospitals not for profit, as costs there are also over inflated.
@ when you have surgery, try come to hospital and ask them how much it costs if you don’t have health insurance meaning you will pay out of pocket yourself, and see how much they will charge you.
@@YorktownUSAWe need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
People are saying that this murder shouldn’t have happened and it isn’t the way, but I want to point out this video probably wouldn’t exist without it happening. Like it or not it’s restarted the conversation and that is needed if you want to make meaningful change.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
Please help us, we are poisoned by our food and pollution and can’t get proper treatment for our health. Our government doesn’t respond to the people and is controlled by oligarchs, and over the last 20 years has further eroded our freedom to benefit their money and power, and it pretty much only ever gets worse. We have more people in jail than any other country, our life expectancy is declining, the cost of everything only goes up and strains our families. Dear European friends, please help the American people, we are failing at helping ourselves.
Let's not forget, however, that the NHS is wildly flawed in and of itself. There are better examples of healthcare systems, we just don't get them explained to us.
Just saw a video that has me angry. A Lakeland Florida mom on the phone after a denial of claim said, "Delay, deny & depose. You people are next". She was arrested for that. $100k bail. Jailed until her court date in mid January. That's hardly a threat of violence but an expression of anger. This woman wasn't going to hurt anyone. It's outrageous.
Do you know that Jesus loves you? He gave up his life and died on the cross to set us free from sin and gave us the opportunity to have everlasting life with him in heaven. Jesus is waiting for you with his loving arms. Please repent before it's too late. Godbless.
@malechi repent from what? Your suggestion that this random person online has sinned by existing is beyond absurd and your method of control holds no power in this domain.
@@MalachiMalach I do know Jesus Christ. No I don't advocate for violence, quite the contrary. "Judge not, lest ye be judged". Matthew 7:1-5. And that woman did not threaten anyone and had no intention to do so.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
When I got breast cancer, my surgeon had to cut a visit with me short because she couldn’t fit a pre-authorization meeting about a test she wanted for me into any other time in her busy day. They approved the test, then later declined that it be done so quickly, with an expedient report prepared. They weren’t willing to pay whatever “extra” it might be to have it done quickly. Mind you, I had inflammatory breast cancer with a 92% growth rate and a 12 cm mass. Centimeters, not millimeters.
I started my dental practice in 2023 and initially accepted all insurances, including Medicaid and Medicare. However, within two months, I had to stop accepting Medicaid and Medicare due to the excessive paperwork, claims that had to be mailed, and the extremely low reimbursement rates-sometimes lower than the price of a cheeseburger. To make matters worse, I was denied thousands of dollars in payments, and the insurance companies outright refused to pay. I faced similar issues across all insurance providers: excessive post-treatment paperwork just to beg for payments long after the work was completed, along with a tedious preauthorization process that delayed patient care. The repeated denials and inefficiencies nearly put me out of business, forcing me to go out-of-network with all insurance plans. The entire insurance system feels like a scam, and it has significantly soured my perception of the industry.
This is so true!work as dental treatment coordinator its ridiculous that we have constantly have to battle with ins company to got padi,its really sucks
I am in Canada. A month ago, our family doctor told us that there are some concerns with my husband's blood test and he was also having some abdominal pain. The next day, he went to the hospital and spent 1 full day doing so many tests, including CT Scan and he left the hospital with zero payments. I always find it sad when Americans try to defend USA's health care system by telling us that Canadians wait too long for either medical appointments or tests. Being nationalist is one thing but being logical is another things.
but i literally have heard canadians moving to the US and then saying that while americans pay for healthcare, "at least they get something out of it. " there is more to why some people are getting 5 star and next day service
I still prefer to be in a system where I have to wait 24hrs in the ER, but be guaranteed quality care, than a system where I can end up out of network or denied care retroactively.
Unfortunately, I heard that Canada loses a lot of good doctors to the US because they are paid so much more as well. I'm all for capitalism but there is a fine line between profit and greed. The US healthcare system has been in a state of greed for a long time and contrary to the "good" politicians have done, it has only made things worse for the patients.
The problem is that the insurance company's goals don't align with yours. You dying before getting coverage is a huge win for them. They literally do not want you to live.
Not true at all. What they really want is you to live and keep paying while they deny all care. They want you to live in pain as long as possible. Torture.
No. Shareholders are people who have invested their money into a given company, and in so doing, purchase shares, that is, fractional ownership of said company. The more shares they purchase, the more of a voice and control they hold in the company.
WHAT? shareholders are owners of the stock. MAY include executives and CEOs but most of these companies are publicly traded companies. If you have a 401k you MIGHT be one yourself and not even realize. FACTS.
Sounds like you need to send Obama a letter of thanks for this wonderful healthcare industry he created!! If you'll notice healthcare companies are about 10 times more wealthy than they were a decade ago. Wonder how that happened
@@MrJedBuddyin Pakistan, both government provided hospitals and private health insurance exists. If you are able to, you can pay for health insurance for higher quality care
UHC/UHG has become VERY profitable, and listed within top 10 companies with highest market values. How did UHC/UHG exploit patients and physicians to get so profitable? We need some investigative reports on this !!
Health insurance companies are incredibly difficult to work with. When I was diagnosed with cancer, my carrier (not United Healthcare) required all specialist referrals and scans to be authorized in advance, but they repeatedly lost the paperwork, then claimed they needed a month to process those requests. The institutional indifference was devastating and I remember thinking murderous thoughts about company executives. Luckily, I was able to find a representative who actually listened to me rather than follow the company scripts. When someone is dealing with a serious medical issue, they should not have to fight an insurance company to meet its obligations. Insurance companies should have to pay fines if they wrongly deny claims or delay treatment. Otherwise there is every incentive to deny and delay.
What is needed ia an ombudsman and regulatory oversight for such organisations. Also an antitrust method of keeping healthcare providers and insurance companies at arms length should be implemented. Hospitals, doctors and insurance companies should not be tied together so closely as they seem to be in the US.
@@jessehutchinson7539 It it's a government, they know they will have to pay for treatments late in life caused by avoiding preventative or early care. A health insurance company is only there to make money when you are healthy, and then deny you coverage whenever, however, for any reason they can. A government pays administrators, an insurance company pays investors and CEOs as well.
I’m a primary care doctor and agree with my colleagues… contact me for examples of the care being delayed every single day .. we need reform with health insurance in the US ..
@@chadengels2625 he said healthcare insurance not healthcare in general. Non for profit employees can still make plenty of money but when executives are making millions and they pull money from patients to pay billions to shareholders, it’s unethical and immoral.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel . And I don't care if that policy was fist Introduced by the communist Soviet Union.
Almost everyone said Luigi was with them during the time of CEO sh*oting. At the end of the day, Luigi is the one to go through all alone. Luigi went to fight the corporate companies all by himself for our good. How are we going to help him get out of this and also start a movement.
He wrote in his manifesto that healthcare is both complex and that he isn’t the most qualified person to discuss it. Then he shot someone? Luigi is intelligent with a long running set of anecdotes suggesting he is mindful of other opinions, he likely would not have shot an insurance ceo if he remembered that insurance firms negotiate against high costs for their profits while hospitals negotiate for their own highest possible profit. And if he looked at where the majority of the costs come from, he’d recognize that it is healthcare providers - not insurance firms - that are the source of high costs. This is not some big secret to those who take a weekend to get a 10,000 foot view of the situation. You all are delusional and show off how little you try to learn about this topic.
Medicare Advantage is privatized health insurance. It is not original Medicare. There is a huge difference. When you turn 65, don't be fooled by the "free" bennies. Insurance agents make more commission on these plans .
Letting insurance companies use the Medicare brand was one of the biggest government giveaway I can think of. It's as if the U.S. Post Office let Federal Express call itself "U.S. Postal Service Express."
@@CandleWisp Yes, it is confusing. That was the point -- to make people think that Medicare Advantage was part of the government Medicare program, when it was actually a private substitute for Medicare. The government takes the money that we've been contributing to the Medicare program all our lives, and gives it to private insurers. The insurance industry was politically very powerful, with many supporters in Congress and the President. On one level, this is an ideological battle between government and the free market. Conservatives want to privatize Medicare completely. They claimed that the free market, including Medicare Advantage, would be cheaper and better than the government Medicare program. Actually, it's more expensive, takes away patient choice of doctor and treatments, and takes money away from patients on Medicare. Medicare spends 1-2% on administrative costs. Medicare Advantage spends 15%.
@@jessehutchinson7539 And the health insurance market is really doing a really good job at that? You're just kidding yourself. Crony capitalism will always have high prices. There's no incentive to lower cost as they become monopolies.
Work to help patients avoid higher costs….. 😂. Respectfully Insurance companies besides Kaiser Permanente are terrible. Kaiser took care of my grandmother and gave her the care she needed… she loves to 90…. Kaiser is small because they do the right things by patients. About time WSJ did good reporting…. Keep it up
This is the consequence of Obamacare. In the 1950s and 60s America had the best healthcare system in the world by far. And then government got involved
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I didn't have the choice to move to America but if I did, I probably wouldn't have gone. Between the ignorant people, the greed, primitive approach to urban planning and mass transit, I would have tried to move to Australia if I still lived in the Caribbean. They made movies in the nineties about our horrible health care system and nothing has changed in decades. People are more concerned with fighting masks and vaccines than getting affordable health care. It's cringe.
@@konigstiger3252 Guess who's not donating to your GoFundMe when you have an appendectomy, lol. And you wonder why nothing changes? Wanna protest this nonsense guys? Do not donate to any GoFundMes to pay for health care bills so people like this guy get the message.
The AMA isn't innocent either. These doctors think they can skirt responsibility when its hospitals themselves who are the ones charging insane amounts of money for healthcare. The AMA limits the number of doctors and hospitals that come into market so they can cash in, insurers are just a scapegoat. The AMA is at the root of the problem. You asked them about insurers but you didn't ask them how much their facilities charge for care when insurers aren't footing the bill, why oh why do insurers behave the way they do? could it be that hospitals themselves are charging astronomical fees for care? OBVIOUSLY!
Only 17% of physicians belonged to the AMA when the ACA was passed. Most of those are probably either new grads who haven't learned about how corrupt the organization is or old grandfathered members who pay no dues. It's Congress who determines how many training slots are available at educational residency through HCFA/CMS. As for hospitals charging astronomical fees - come to a meeting between a hospital and Medicaid and you'll see why most smaller hospitals are closing. Only the big ones can stay open. Basically the same way Walmart, Amazon and Costco have killed mom and pop retail stores.
It's sad that something like this has to happen to make our lawmakers aware of the injustices suffered by those being denied medical care by these giant health care companies. They shouldn't be allowed to deny care to those who are insured with impunity!
Remember Hillary tried to give us universal healthcare? She was absolutely destroyed by Big Money because of that. And we all bought into Big Money lies. Private insurers got emboldened, and our healthcare really gone downhill from there.
Regardless of healthcare is for profit or not, me and my doctor are the only person should get involved when it comes to health care decision. IT IS MY OWNBODY, MY HEALTH, nobody should have a right to delicate what care I get. I AM NOT SELLIG MY RIGHTS TO MY OWN BODY FOR SOME STINKING INSURANCE SCUMBAGS
@@jessehutchinson7539 no, the Affordable Care Act, or 'Obamacare', as you call it, has absolutely nothing to do with grasping insurance companies denying medical claims in order to please their shareholders.
Honestly as a European, who has health insurance, it is incredibly difficult to understand what us even going on here... In general over here being sick doesnt make you poor, and if your doctor advises treatment you get it.
Even if the insurance approves the procedure it takes forever to schedule the appointment -> get testing done -> later get the doctor to review the results and plan for next course of action. It took 8 weeks to get a cardiac MRI done at Stanford and to get to the bottom of the results. It took me 8 hours to get the cardiac MRI done and also review in-person with top cardiologist in India #1 Insurance companies need to change the way they act #2 More qualified students need to be given the opportunity to study medicine, without worrying about the cost of education #3 Nurses need to be paid more and incentivized for all the hard work and night shifts they do as care providers.
@@MrJedBuddy Looks like you haven't traveled the world. Why are doctors and nurses not surplus? You do that in this country and you can automatically see docs working without major insurance umbrellas
Obviously, the solution is to dump private insurance and go with Single Payer, like Canada and Western Europe. The only time private insurance should be allowed is as a SUPPLEMENT to Single Payer, like in France. When Canada started Single Payer in the 1960's, private insurance was not allowed at all.
Their statement is so loaded. Putting blame back on regulators, drugmakers and doctors. As if they didn't make billions of dollars of profit this year at the expense of ailing patients.
Being in the UK and having the NHS, I understand our system isn’t always great (long delays, etc) but the fact that it is free and I don’t need to worry about insurance covering my treatment makes me thankful for our system.
Everyone is mad at the insurance companies, but what about the outrageous cost of hospitalizations, or any medical procedures? The medical bills in the US are ridiculously overpriced.
Pass Medicare for All and make a new bill that says if prior authorization delays care in a way that kills or harms the patient, the healthcare company can be sued for wrongful death or medical malpractice.
Health insurance companies are clearly a problem. It is interesting to me how little people seem to mention or think about doctors, hospitals and other providers though. They're the ones charging the insurance companies high prices in the first place. How many of your Doctors drive a Porsche or other German sport or luxury car?
@ yeah, not so good. Obama should have pushed for a healthcare plan instead of just another insurance plan which ACA is. He added to the problem by forcing everyone to buy insurance, rather than offering actual healthcare services.
@ yeah, not so good. Obama should have pushed for a healthcare plan instead of just another insurance plan which ACA is. He added to the problem by forcing everyone to buy insurance, rather than offering actual healthcare services.
Wow! I guess Canadians are really lucky! Never thought twice about who is paying for my cataract surgery or kidney stone surgery or my stay in the hospital because of ketoacidosis, nor do I give it a second thought when the doctor orders an ultrasound or a CT scan or even an MRI. Thanks to Luigi Mangione, I have a better appreciation of the universal health care I get as a Canadian! 🙏
Doctors are being robbed by insurance and administrators. So much of the money is going away from hospice care, doctors, and nurses/technicians, and is being siphoned up to administration and insurance companies, everyone knows that now.
Don’t tell the people that’ll actually be taken seriously when they talk to be silent; especially if they’re speaking on your behalf with the intention of improving the situation
I don’t support violence of any form but I also believe we as a society and government has the responsibility not to create a situation that will force good - normal- citizens to be criminals!! Making money through other Business is different from making criminal profits from people’s lives and health - through health insurance and pharmaceutical companies- If Lugi Mangione was thinking about himself- he won’t do it - because he’s from a wealthy family and has no money issues But he did it for all Americans- that is significant!! And that is what makes a compelling case and support for Luigi-
We need to not get distracted from the CORE ISSUE. For-profit health insurance is based on a fundamental conflict of interest. The more healthcare that is denied, the more profit these companies make. Do not let yourself be fooled by all the noise and distraction, THIS IS THE ONLY ISSUE WE SHOULD BE DISCUSSING regarding this event. $450 BILLION dollars PER YEAR. ~68,000 deaths attributable to delayed, withheld, and lacking care PER YEAR. DO NOT LET ANY CORPORATE LOBBYIST, CORPORATE NEWS MEDIA, OR POLITICIAN DISTRACT FROM THIS CORE ISSUE. DO NOT LET THEM STEER THE CONVERSATION AWAY FROM THIS.
The question people really need to ask if why we need insurance in the first place. In the Uk and most other European countries there is no need or the cost is small. In Singapore no one has it except for large expensive situations and they pay like $20 for that a month. Why can’t we just pay as we need? The whole system needs to be scrapped.
Thank you for covering this. The health insurance industry only exists for profit, not for health care. Even if that profit comes at the expense of people's lives. Health insurance companies can only keep discarding our lives for so long before the sentiment is returned.
Even though it is well established that chemo destroys your immunity system, my insurer refused to pay for a white blood cell booster ($140). Said it was "medically unnecessary". My oncologist stopped the chemo because of the high risk of a deadly infection. He was so mad, he just gave me the shot and said the clinic would eat the cost if insurer continued to refuse payment. Of course, giving a way a $140 is a good business decision too when each chemo session costs $26,000. Whoever regulates health insurers you fine them $billions for letting CEOs, board memebers, accountants, algorithms, and robots to practice medicine, when they have no state medical certification to do practice medicine.
I went in to do my yearly physical exam which is once per year and I still got a bill from my PPO insurance company denying paying for the physical exam and the labs associated with it.
A. Kent MacDougall, one of the star reporters at the WSJ, said, after he retired to teach journalism, that the WSJ exposes the rotten apples, but they don't talk about the shape of the barrel. In this case, they have all kinds of great stories (lifted from government reports) about the fraud and inefficiency in the healthcare system, but they've (mostly) ignored a serious look at the question of whether we should have for-profit health insurance at all, and whether we would be better off adopting one of the successful models in the other developed countries (which cost about half as much as our system).
Im going to stop you right at 0:15. Before any of this happened, people have been shouting in outrage for decades about insurance companies. It only now that CEOs are listening and their immediate action is to hide themselves from the public. Not fix anything. 😂
From an incentives perspective, when the government is paying, they should place claims in a separate fund so the insurer can't profit by denying care. They should also pay insurers for the number of people insured, not number of claims processed. If the amount of claims, in dollars or number processed, can be gamed by institutions for more profit, then it will be.
Just a note on pre-authorization - the reason why it used to not exist and now it does is because doctors overprescribe unnecessary treatments that they can make money on but the patient doesn’t have to pay. It’s a win-win way to get over on the insurance company on a micro level except on a macro level it’s why healthcare costs are so high in the US.
"Insurance companies are working against us" The doctor was right. Think of all the lives that could be saved if we had medicare for all. Problem is, none of them are "important" lives to the people who run the country and corporations. Those guys have full coverage, they don't have to care.
Some people have learned to just go to the ER for an "emergency" in order to get a quick scan. They won't deny you care there and insurance companies must pay ER's.
Suppose a doctor opened an office in your neighborhood, and the Mafia turned up and said, "We want 20% of your gross." Now suppose a doctor opened an office in your neighborhood, and the health insurance company turned up and said, "We want 20% of your gross." It's the same thing, except that the Mafia provides some useful services.
Another big problems is that some health insurances have closed their panel, not allowing more doctors to be a participant of their network. This was the case for me with UHC as a neurologist physician. They had excluded solo specialist practitioners in certain areas to be part of their network under the explanation that the panel is closed. So leaving that doctor unable to provide the needed care to those patients enrolled in United Health Care seeking for certain specialists in that particular zip code. It seems doctors need to be part of a big group or a corporation to be a participant; this explanation might be inaccurate but I was not given their rationale on their declined letter. I was one of them , after trying to be enrolled in their network for several years without any success. 😮
At the age of 71, my Medicare "Advantage" plan DELAYS EVERY DOCTOR RECOMMENDED TREATMENT! And I've HAD TO PAY into this system since I was 14. My Primary Care Physician diagnosed my constantly swollen feet and lower legs as most likely being from a cardiac condition. That was a full 3 months ago (in 2024!), and I am finally scheduled for an echocardiogram ON JANUARY 8, 2025! DELAY OFTEN MEANS DEATH for chrissakes! So BOO F-ING HOO about ANY health INSURANCE (NOT healthcare provider) multimillionaire executive being offed when I am among MILLIONS of senior citizens whose lives are being degraded and shortened! AND WE AREN'T THE ONLY ONES!!!
Although "hard violence" killing is illegal, if the insurance company sets a harsh compensation standard, resulting in the insured‘s interests being damaged or even losing his life, how will this ”soft violence“ killing be punished? It is worth pondering.
Medical insurers would rather medicate with pills and therapy instead of surgery (when its needed). It took me 2+ months and multiple phone calls to get my hernia repaired.
We had United healthcare and it was awful. They would constantly deny coverage where it took over two months to get physical therapy for my daughter from a sports injury at school. Everyday she was in pain. We paid out of pocket for physical therapy until they agreed to pay. Simply awful insurance
Doctors say dealing with health insurers is only getting worse: on.wsj.com/3Br4kEm
The top donor to to the US Chamber of Commerce is the private health insurance industry. Congress is owned by the wealthy lobby, which is why they won't fix the system. Talk about money in politics before anything else.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
@@wsj We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
@@JacobBOKC-v6fI know, someone needs to stand up for these non wealthy doctors and surgeons
Hmmm, I thought the Doc's response's would have been apprehensive, apparently everybody agrees on this. Interesting!
Prior authorization made me waste months of time spent every day in agony waiting for approval for a 30-minute treatment.
That is unconscionable. Shame of the for profit health insurers.
Do you know that Jesus loves you? He gave up his life and died on the cross to set us free from sin and gave us the opportunity to have everlasting life with him in heaven. Jesus is waiting for you with his loving arms. Please repent before it's too late. Godbless.
@@MalachiMalach😂😂
And over all that time, the only doctor who ever glanced at your case is the one who submitted it in the first place. Plenty of accountants and lawyers, zero doctors or people with any medical knowledge.
I’ve lost 5 years of my life, unable to work, unable to go 99% of places, unable to see people or live my life. I’m living in agony every day, waiting as my doctor continues to fight insurance. I’m in my late 20s and am dying.
I currently have a patient with a fracture in their spine. We waited 2 weeks for a decision from his insurance only to find out they deemed the proposed treatment unnecessary. I set up a peer to peer with the insurance employeed physician to overturn this decision. I had to close my schedule to wait for the call which never came. It has now been rescheduled to next week. If i would have not taken the call it would have resulted in automatic denial yet they can waste my time and prevent me from seeing other patients without consequence. And the person who suffers the most in this process is the patient in pain. Now multiply this by dozens of cases a month and you can see why this is unsustainable. This madness has to stop.
Thank you for being a caring physician and taking the time to do what is right even though you should not have to wait for them to disrespect you and then have to reschedule. I hope you get the call this time for your sanity and the patients health
Can the patient sue insurance company for their negligent behavior in this case for delaying the response?
@@Arjun-tg1go no. In most of these cases, as far as I am aware of, including those brought to the Supreme Court, the decisions fall on the sides of the insurance companies.
@@DrMario90 very unfortunate, I believe because insurance companies must have good lawyers? and lobbying?
Thank you for putting your patient first, even when faced with impossibly difficult challenges. As someone with chronic illnesses and no health insurance, it warms my heart to know that you doctors are still fighting the good fight. Thank you so much for your service, Sir.
This guy Luigi is going to end up going down in history as somebody that started a movement
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
What, like Sacco and Venzetti? It's a little late when the president-elect is someone who already broke every promise he ever made on healthcare, and is bodyguarded 24-7 like all the rest of the HMO CEOs.
Deny defend depose
Exactly, he will be a hero in history. The government wanting to make it seem like citizens should be scared of him will be a hilarious part of that history too 😂. Like nobody was scared of him, we supported him all along lol.
Luigi “the adjuster” will very likely be in our history books in 200 years from now, like for real.
Murder is not a movement
Profiting off of people’s illness. These people need to wake up! We are sick of insurance companies denying what we pay for!
Obamacare made Private insurance companies pay for uninsured people.
Blame the commies.
If you actually paid you it, there would be no need to deny it
Maybe this is a suggestion or even just 2 cent: System Make it easier to become doctors. More doctors so lower salaries... So cheaper to see doctor 😮😮
It's just wrong.
It's simple criminal fraud, and the entire industry is dependent on it.
Since they cannot act ethically, get rid of private health insurance companies. Outlaw the whole concept of for-profit health insurance.
❤❤
Outlaw lobbying. Lobbying is the reason why Politicians turn a blindeye on this.
Not a good idea, frankly. Even if things go universal healthcare, there will be limits to what gets paid for, and some people will want top-up plans for extra care.
For covered services, you still need people to process claims, explain what's covered, keep the servers running, all that admin stuff. What you really want is a third party checking them to make sure they do the right thing.
@@Aftermath-Newsobesity is the actual problem in this country but your mirror is probably why you turn a blind eye to the actual problem.
@@Aftermath-News lobbying is a HUGE problem, correct. im not agains the idea of lobbying an idea to congress but there needs to be STRICT rules and enforcement on how this is done. how about you get 1 hour presentation and DONE. You go home. End of story. No camping out for weeks at the capitol building....no dinners....no entertaining....no private meetings....and if you're caught breaking these rules the position you are lobbying for is automatically REJECTED. That would end a lot of BS.
Pharmacist here. The amount of Prior Auths we have to send to Dr's offices is ridiculous nowadays. Why does the Doctor who went through all that education and training need to explain to an insurance company why they have to be on a life-saving medication?! Their diagnosis should be enough. DELAY and DENY is right. Drug companies and therefore the FDA is most definitely in cahoots with these ins. companies.
You are of the mistaken belief that just because you go through 4 yrs med school plus x more years for a specialization that you are some sort of altruistic angel. The reality is doctors get paid based on the number of billable procedures they do in their specialty. More procedures means much more money and that is what most doctors are interested in. Conversely insurance companies are left being the firewall to protect patients for unnecessary procedures and meds. Think of it as a second professional opinion. I've seen doctors do procedures that could have been fixed with therapy and I've also seen doctors dole out meds like they are candy including hydro morphs. The healthcare system is f'ed all right but it isn't a single source of f. As a pharmacist you should know that your knowledge of meds and their effects far exceeds doctors knowledge.
Also, the doctor has a special relationship with the patient. The insurance company goon doctor or nurse or stooge or whatever person they use to deny a legally obligated claim, does not.
This is practicing without a license and it is a crime that should result in prison time.
@@theloniousm4337 Insurance companies don't have the right to make those calls. What they're doing is criminal.
@@theloniousm4337 so insurance companies have doctored reviewing procedures ?
They tell patients, "the delay is because your doctor didn't complete the PA", when THEY created the PA form to begin with!
They tell the patient, "your doctor didn't give us enough information"-then they should do what all doctors do, complete a history and physical on the patient, before making a decision on patient care!
Vile
Healthcare getting put on blast since bro got killed 💀💀 all it took was a assassination
It won't matter. Chump broke every healthcare promise he ever made, survived two assassination attempts by loyal members of the political party he hijacked, and got re-elected with a judicial and legislative majority. The American body politic has a masochistic death wish.
People should take note of this!
Sorry. Climate Adjuster.
The CEOs know why they must delay and deny. The thing is healthcare isn't about the climate factor.
The Expert even admitted that the AI wasn't supposed to be used as claims screening and denying !
And this is only for health care imagine what else
Or they had him killed.
The biggest issue is that the USA politicians are in cohort with health care insurance companies.
Judiciary
The US is the only country to legalize bribery... you just call it a different name. It's called "lobbying".
but then you say out the other site of your mouth, let the Govt provide healthcare. makes no sense
@@shellysmith1037The difference is FOR profit vs NON profit, and claims being denied VS claims always accepted. The issue is that the politicians are BOUGHT OUT by the insurance companies and other plutocrats. If the government WORKED FOR US and not THEM, then a single payer, government sponsored program would be ideal.
@@NotLeftAndRightButUpAndDown no wait, you're talking the wrong language, I got this
Didn't know Medicare advantage had such a higher denial rate than Medicare! Thank you for your investigation!
Medicare Advantage puts the insurance company between you and your doctor. It is privatized healthcare. Original Medicare does not do that. It is government run healthcare. No middle man to say no. Insurance Agents get bigger commissions to push Medicare "Advantage." Is a gym membership worth a major denial and all the turn-around you'll get with an Advantage plan?
didn't know?? folks testified to Congress bout this long ago, Congress did nothing. You can expect the same here.
Watch the 2007 documentary SICKO...nothing has changed since.
Interesting. My mom is currently on Advantage and hasn't had any denials luckily. She's been getting all sorts of treatments and surgery the last year with cancer. I was thinking about looking into a different option or plan for her and maybe I will.
My mother in law found out first hand. Months after signing up, she was found dead in her home
Honestly, if we end up getting universal healthcare out of this whole situation, Luigi will be hailed as a hero by millions.
Ask Canada about how well that works, where many Canadians come to the US for surgery because of long waits in Canada.
@@miacell5723 Yeah because Canada is a terrible example of single payer. Australia and France are better models to follow because they have a universal system where everyone is covered, plus a robust private system that's regulated by the government where there's competition and it helps to take pressure off of the public system as well as lower costs. You get the best of both worlds
@@miacell5723 I don’t know any Canadian that wants the US system. There are plenty of Americans who go to Canada and try to get healthcare there.
@@fdssdfsdfs who said Canadians want the US system? It's simply true that some Canadians come to the US for healthcare because they don't want to wait in Canada. Or they may come to the US for a treatment that isn't available or won't be covered in Canada anyway. Idk how many Americans go to Canada trying to get healthcare there, I've never really heard of it. At any rate, I'll bet there are more Canadians coming to the US than the other way.
I support some sort of national, universal healthcare system for the US. People should just understand that if the US gets such a system, it doesn't necessarily mean that people always get any treatment they may want or need or never have to wait. The denials and waits just aren't because of insurance not wanting to pay for it. It's the government not viewing it as necessary or otherwise rationing care.
@@chickenfishhybrid44 check your paragraph. you're all over the place. i THINK I know what you mean but I don't want to guess. Your first sentence needs context.
I’m a doctor and I’m so frustrated with insurance putting profits first before patients and doctors. I wasted so much time over the last few years dealing with insurance that at this point in my life I don’t even want to be a doctor anymore. I ve been screwed so many times over and I even had prior authorization for my patients and they still didn’t pay me. What a scam all these CEO’s should be in jail. They lied to my patients especially UHC and tried to turn the patient against me that I’m somehow responsible for them not paying me. What a scam I’m not surprised he got shot.
I see my own doctor exasperated all the time! And the energy they/you have to expend just to find out if a procedure is covered, or if there's a specialist in my network, etc etc etc. I never have gotten over it, going back to the 80s when the HMOs came in and we had to stop seeing the doctor we'd been seeing for the previous fifteen years!
You're not a doctor. Otherwise, you'd know hospitals are padding the bills, which lead to the requirement of prior authorization. The blame is shared with bad doctors and the hospitals themselves. Quit lying.
I feel your pain!!! They have robbed me as well to the point I don’t enjoy it!
I have a question for you. Why do doctors and health systems keep on increasing prices beyond the reasonable level? Why are doctors and health systems charging different prices for the same services and tests when they are right across the street ? When I got a CT done one hospital charged 3k and went 5 blocks over the same CT same diagnosis 5.3k. Thankfully my insurance paid 80%. And that was the negotiated rate.
Are you ready to take a 50% pay cut?
Finally some real journalism that isn't sucking up to corporate interests.
A breath of fresh air!
For real I can’t believe it’s coming from WALL STREET journal of all places
Luigi saved many lives, things are already changing.
No they're not. Things are getting talked about and I promise, nothing will change. I'm so exhausted.
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
@@Pr0toPoTaT0 I'm 58, I've seen it all, you are correct.
People have to keep the pressure on government and insurance companies. Insist on universal healthcare.
Luigi saved lived
I rolled my ankle super hard playing basketball this past summer. When I went to hospital, they did an x-ray and found nothing broken so they gave me some pills and sent me on my way. I couldn’t walk. They gave me a boot and crutches and I knew that something else was wrong. Swelling got worse, but when I went to a specialist, they had to schedule my MRI a month back. I needed to know ASAP if something was torn to get disability and spend time to recover and not work. I went back to the same ER I went to and the Nurse Practitioner gave me the best advice to how to deal with this problem. He said, “Come back in the morning. Let the staff know what your dealing with and that you want an MRI. Usually insurance takes a while to approve one, but if you come early morning and we admit you in, we can get it done by the end of the day” And that’s exactly what happened, I went in at 7am and got out at 5pm. Got my MRI and they found that I torn 3 ligaments and messed up a ton of muscle tissues as well. I got 2 months off work, w/dissability pay and PT. I owe my speedy recovery and time off to that guy.
Similar to someone I knew had to do this as well. They needed a procedure for their heart but it would take too long to wait for the insurance to give authorization or deny it. So the MD said to get admitted to the ED tomorrow morning and they would do the procedure.
Here’s the problem. You don’t need an mri to diagnose a torn ligament in your ankle. We used to do it 20 years ago without mris. And MRIs are extremely expensive. You still absolutely need PT to recover and the sooner the better. And two months off work sounds a bit high but reasonable. So I’m not defending insurance companies. But hospitals have gotten ridiculous the way they exploit the system to make money. I watched them give my great aunt a catscan and MRI after she had fainted when all she needed was a blood test. The whole system is exploitative and it’s us the patients who are suffering.
Health care is a human rights not a profit
A big part of high healthcare costs is to pay the doctors and hospitals, and these have to eat and pay their high student loans.:))
No it's not.
@@philiptran617 Not at all, usually with these costs, say medicine, the price is wildly inflated. Diabetic medicine was at one point over 200 per prescription. It wasn't until rita khan's lawsuit that it became 35. This, and items like inflating doctor's visits and more make it so that costs will rise. If insurance companies, the middle men of it all left, we could reign in on overpricing from clinics and proceed to create a competitive area for doctors and their clinics. As well making hospitals not for profit, as costs there are also over inflated.
@ when you have surgery, try come to hospital and ask them how much it costs if you don’t have health insurance meaning you will pay out of pocket yourself, and see how much they will charge you.
@@YorktownUSAWe need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
Thank you for not gaslighting, and do real journalism. That's the way to go.
People are saying that this murder shouldn’t have happened and it isn’t the way, but I want to point out this video probably wouldn’t exist without it happening.
Like it or not it’s restarted the conversation and that is needed if you want to make meaningful change.
❤
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
Trump tried when he was President and y'all didn't want him to replace Obamacare
Thank God for the NHS in the UK because this dystopian method of healthcare in one of the most advanced countries in the world is beyond bizarre.
Been that way since Independence.
Benjamin Franklin owned a private hospital.
Yeah, Im pretty jealous, ngl. Hoping we get something soon.
Please help us, we are poisoned by our food and pollution and can’t get proper treatment for our health. Our government doesn’t respond to the people and is controlled by oligarchs, and over the last 20 years has further eroded our freedom to benefit their money and power, and it pretty much only ever gets worse. We have more people in jail than any other country, our life expectancy is declining, the cost of everything only goes up and strains our families. Dear European friends, please help the American people, we are failing at helping ourselves.
But...but...but our oligarchs keep telling us what a nightmare your system is.
Let's not forget, however, that the NHS is wildly flawed in and of itself. There are better examples of healthcare systems, we just don't get them explained to us.
Just saw a video that has me angry. A Lakeland Florida mom on the phone after a denial of claim said, "Delay, deny & depose. You people are next". She was arrested for that. $100k bail. Jailed until her court date in mid January.
That's hardly a threat of violence but an expression of anger. This woman wasn't going to hurt anyone. It's outrageous.
Do you know that Jesus loves you? He gave up his life and died on the cross to set us free from sin and gave us the opportunity to have everlasting life with him in heaven. Jesus is waiting for you with his loving arms. Please repent before it's too late. Godbless.
Was a threat!
@malechi repent from what? Your suggestion that this random person online has sinned by existing is beyond absurd and your method of control holds no power in this domain.
@@MalachiMalach I do know Jesus Christ. No I don't advocate for violence, quite the contrary. "Judge not, lest ye be judged". Matthew 7:1-5.
And that woman did not threaten anyone and had no intention to do so.
I think it was more of an opinion than a threat. I imagine the insurance industry wants to intimidate people who express that opinion.
about time people wake up to this insurance mafia
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
Docs & Hospitals are the one charging insane prices!
@ no it's the middleman, your insurance company.
@miacell5723 they have to do it just to get a semi decent partial reimbursement.
The issue is that insurance has to return profits to investors. Require them to be "not for profit " .
When I got breast cancer, my surgeon had to cut a visit with me short because she couldn’t fit a pre-authorization meeting about a test she wanted for me into any other time in her busy day. They approved the test, then later declined that it be done so quickly, with an expedient report prepared. They weren’t willing to pay whatever “extra” it might be to have it done quickly. Mind you, I had inflammatory breast cancer with a 92% growth rate and a 12 cm mass. Centimeters, not millimeters.
How are things now? Wishing you well on your recovery
@ chemo and surgery destroyed the cancer and I’m finishing up radiation. I start oral chemo in a month. 🙌🏻🤞🏻thanks for asking!
I hope you write a letter of thanks to Obama for Obamacare!!
I started my dental practice in 2023 and initially accepted all insurances, including Medicaid and Medicare. However, within two months, I had to stop accepting Medicaid and Medicare due to the excessive paperwork, claims that had to be mailed, and the extremely low reimbursement rates-sometimes lower than the price of a cheeseburger.
To make matters worse, I was denied thousands of dollars in payments, and the insurance companies outright refused to pay. I faced similar issues across all insurance providers: excessive post-treatment paperwork just to beg for payments long after the work was completed, along with a tedious preauthorization process that delayed patient care.
The repeated denials and inefficiencies nearly put me out of business, forcing me to go out-of-network with all insurance plans. The entire insurance system feels like a scam, and it has significantly soured my perception of the industry.
This is so true!work as dental treatment coordinator its ridiculous that we have constantly have to battle with ins company to got padi,its really sucks
you should make a video, do interviews with other youtubers/podcasters
Why is dentistry so expensive?
I am in Canada. A month ago, our family doctor told us that there are some concerns with my husband's blood test and he was also having some abdominal pain. The next day, he went to the hospital and spent 1 full day doing so many tests, including CT Scan and he left the hospital with zero payments. I always find it sad when Americans try to defend USA's health care system by telling us that Canadians wait too long for either medical appointments or tests. Being nationalist is one thing but being logical is another things.
but i literally have heard canadians moving to the US and then saying that while americans pay for healthcare, "at least they get something out of it. "
there is more to why some people are getting 5 star and next day service
I still prefer to be in a system where I have to wait 24hrs in the ER, but be guaranteed quality care, than a system where I can end up out of network or denied care retroactively.
Unfortunately, I heard that Canada loses a lot of good doctors to the US because they are paid so much more as well. I'm all for capitalism but there is a fine line between profit and greed. The US healthcare system has been in a state of greed for a long time and contrary to the "good" politicians have done, it has only made things worse for the patients.
The problem is that the insurance company's goals don't align with yours. You dying before getting coverage is a huge win for them. They literally do not want you to live.
Not true at all. What they really want is you to live and keep paying while they deny all care. They want you to live in pain as long as possible. Torture.
@@sloaiza81the fact that these are the two options is just mindblowing for a person with universal healthcare 💀
Health insurance companies should not be making medical decisions.
"Shareholders" are executives and CEOs
Free Our Boi!! Free the hero!!!
Most healthcare companies are publicly traded in the stock market
That’s patently false.
No. Shareholders are people who have invested their money into a given company, and in so doing, purchase shares, that is, fractional ownership of said company.
The more shares they purchase, the more of a voice and control they hold in the company.
WHAT? shareholders are owners of the stock. MAY include executives and CEOs but most of these companies are publicly traded companies. If you have a 401k you MIGHT be one yourself and not even realize. FACTS.
Luigi is doing the time alone for all
Not for Mario.
Time to end corporate healthcare.
No more half measures. No deals. Public healthcare is the only way.
Don't expect the incoming administration to do anything to help. If anything, they want to turn all of Medicare over to insurance companies..
We need to keep up the pressure!
HEALTH 'INSURANCE' COMPANIES ARE A MIDDLEMEN, AND A BOUNDARY TO CARE
Sounds like you need to send Obama a letter of thanks for this wonderful healthcare industry he created!! If you'll notice healthcare companies are about 10 times more wealthy than they were a decade ago. Wonder how that happened
@@jessehutchinson7539 This is utterly confused, mal-intentioned, and sarcastic without any bite. I give it a 2 out of 10.
IMO US hospitals are overcharging. In Japan a CT scan costs around $200 without insurance.
In Pakistan everything is free in public hospitals and we're 3rd world country
Yep. In some cases you might be able to buy the x-ray or ultrasound machine for the price they are charging.
@@aamirabbas1000why say public hospital instead of hospital? Are you saying there’s a difference between private and public?!?!
@@MrJedBuddyin Pakistan, both government provided hospitals and private health insurance exists. If you are able to, you can pay for health insurance for higher quality care
Yup, the hospitals themselves are at the root of the issue.
UHC/UHG has become VERY profitable, and listed within top 10 companies with highest market values. How did UHC/UHG exploit patients and physicians to get so profitable? We need some investigative reports on this !!
Everything happening in that business needs to be opened up.
The channel A More Perfect Union did a report on this before. I suggest you watch it, it was very informative and frustrating to watch.
Health insurance companies are incredibly difficult to work with. When I was diagnosed with cancer, my carrier (not United Healthcare) required all specialist referrals and scans to be authorized in advance, but they repeatedly lost the paperwork, then claimed they needed a month to process those requests. The institutional indifference was devastating and I remember thinking murderous thoughts about company executives. Luckily, I was able to find a representative who actually listened to me rather than follow the company scripts. When someone is dealing with a serious medical issue, they should not have to fight an insurance company to meet its obligations. Insurance companies should have to pay fines if they wrongly deny claims or delay treatment. Otherwise there is every incentive to deny and delay.
What is needed ia an ombudsman and regulatory oversight for such organisations. Also an antitrust method of keeping healthcare providers and insurance companies at arms length should be implemented. Hospitals, doctors and insurance companies should not be tied together so closely as they seem to be in the US.
It's not Pre-Authorization. It's Auto-Denial.
It doesn't matter if it's a private company or a public company or the government, medical services will always be denied.
@@jessehutchinson7539 It it's a government, they know they will have to pay for treatments late in life caused by avoiding preventative or early care. A health insurance company is only there to make money when you are healthy, and then deny you coverage whenever, however, for any reason they can.
A government pays administrators, an insurance company pays investors and CEOs as well.
I’m a primary care doctor and agree with my colleagues… contact me for examples of the care being delayed every single day .. we need reform with health insurance in the US ..
GREED!!!!😞😞😞😡😡😡🤬🤬🤬
I know… these doctors…
Obamacare. Hopefully you weren't one of those losers telling us that it's wonderful
Healthcare insurance should not be a for-profit industry.
Then there would be no doctors or nurses.
@@chadengels2625 he said healthcare insurance not healthcare in general. Non for profit employees can still make plenty of money but when executives are making millions and they pull money from patients to pay billions to shareholders, it’s unethical and immoral.
health insurance shouldnt exist at all except of catastrophic coverage perhaps.
@@chadengels2625 as we all know there are no doctors anywhere in Europe or Canada or Australia
@@chadengels2625oh boy youre right all the other developed countries that have universal healthcare just do not have doctors and nurses
Million us die because of slow and denying health insurance
We need universal healthcare. Like in Canada, Germany, Japan, France, Israel .
And I don't care if that policy was fist Introduced by the communist Soviet Union.
Nope
Get healthy & exercise!
Sounds like you are a thanks and a letter of appreciation to Obama for this wonderful healthcare system!!!
@jessehutchinson7539 Obamacare only helps the elderly not the working class
Almost everyone said Luigi was with them during the time of CEO sh*oting. At the end of the day, Luigi is the one to go through all alone. Luigi went to fight the corporate companies all by himself for our good. How are we going to help him get out of this and also start a movement.
Get out of premeditated murder?
@@YorktownUSA Many guilty people like OJ have gotten off due to bad police work, prosecutor errors, etc.
yah bc not of us knew who he was only after he was caught , if he know ppl , we could've helped him
He wrote in his manifesto that healthcare is both complex and that he isn’t the most qualified person to discuss it. Then he shot someone? Luigi is intelligent with a long running set of anecdotes suggesting he is mindful of other opinions, he likely would not have shot an insurance ceo if he remembered that insurance firms negotiate against high costs for their profits while hospitals negotiate for their own highest possible profit. And if he looked at where the majority of the costs come from, he’d recognize that it is healthcare providers - not insurance firms - that are the source of high costs. This is not some big secret to those who take a weekend to get a 10,000 foot view of the situation. You all are delusional and show off how little you try to learn about this topic.
Trump tried replacing Obamacare during his first term as President, or don't you remember that people really wanted to keep it as it was?
Medicare Advantage is privatized health insurance. It is not original Medicare. There is a huge difference. When you turn 65, don't be fooled by the "free" bennies. Insurance agents make more commission on these plans .
Letting insurance companies use the Medicare brand was one of the biggest government giveaway I can think of. It's as if the U.S. Post Office let Federal Express call itself "U.S. Postal Service Express."
Only a market can bring down the cost of a service or good. The government cannot.
@@norman_5623
Not from the US, but what? How can a private company use branding from a public program?
@@CandleWisp Yes, it is confusing. That was the point -- to make people think that Medicare Advantage was part of the government Medicare program, when it was actually a private substitute for Medicare. The government takes the money that we've been contributing to the Medicare program all our lives, and gives it to private insurers. The insurance industry was politically very powerful, with many supporters in Congress and the President. On one level, this is an ideological battle between government and the free market. Conservatives want to privatize Medicare completely. They claimed that the free market, including Medicare Advantage, would be cheaper and better than the government Medicare program. Actually, it's more expensive, takes away patient choice of doctor and treatments, and takes money away from patients on Medicare. Medicare spends 1-2% on administrative costs. Medicare Advantage spends 15%.
@@jessehutchinson7539 And the health insurance market is really doing a really good job at that? You're just kidding yourself. Crony capitalism will always have high prices. There's no incentive to lower cost as they become monopolies.
Work to help patients avoid higher costs….. 😂. Respectfully Insurance companies besides Kaiser Permanente are terrible. Kaiser took care of my grandmother and gave her the care she needed… she loves to 90…. Kaiser is small because they do the right things by patients.
About time WSJ did good reporting…. Keep it up
This is the consequence of having a for-profit healthcare system.
thanks Capt.
This is the consequence of Obamacare. In the 1950s and 60s America had the best healthcare system in the world by far. And then government got involved
I didn't have the choice to move to America but if I did, I probably wouldn't have gone. Between the ignorant people, the greed, primitive approach to urban planning and mass transit, I would have tried to move to Australia if I still lived in the Caribbean. They made movies in the nineties about our horrible health care system and nothing has changed in decades. People are more concerned with fighting masks and vaccines than getting affordable health care. It's cringe.
Feel free to leave, go
@@konigstiger3252 Guess who's not donating to your GoFundMe when you have an appendectomy, lol. And you wonder why nothing changes?
Wanna protest this nonsense guys? Do not donate to any GoFundMes to pay for health care bills so people like this guy get the message.
The AMA isn't innocent either. These doctors think they can skirt responsibility when its hospitals themselves who are the ones charging insane amounts of money for healthcare. The AMA limits the number of doctors and hospitals that come into market so they can cash in, insurers are just a scapegoat. The AMA is at the root of the problem. You asked them about insurers but you didn't ask them how much their facilities charge for care when insurers aren't footing the bill, why oh why do insurers behave the way they do? could it be that hospitals themselves are charging astronomical fees for care? OBVIOUSLY!
Only 17% of physicians belonged to the AMA when the ACA was passed. Most of those are probably either new grads who haven't learned about how corrupt the organization is or old grandfathered members who pay no dues. It's Congress who determines how many training slots are available at educational residency through HCFA/CMS.
As for hospitals charging astronomical fees - come to a meeting between a hospital and Medicaid and you'll see why most smaller hospitals are closing. Only the big ones can stay open. Basically the same way Walmart, Amazon and Costco have killed mom and pop retail stores.
AMA and the doctors and the lawyers who make everything expensive with their stupid lawfares.
The two things responsible for our city healthcare system is the AMA and Obamacare
It's sad that something like this has to happen to make our lawmakers aware of the injustices suffered by those being denied medical care by these giant health care companies. They shouldn't be allowed to deny care to those who are insured with impunity!
Remember Hillary tried to give us universal healthcare? She was absolutely destroyed by Big Money because of that. And we all bought into Big Money lies. Private insurers got emboldened, and our healthcare really gone downhill from there.
The lawmakers were and are fully aware of what they did and are doing. The current system was proposed by a fancy think tank to make profits.
Prior authorizations are not the problem per se, is just the fact that healthcare is for profit in the US. Investors get money from denying care.
Regardless of healthcare is for profit or not, me and my doctor are the only person should get involved when it comes to health care decision. IT IS MY OWNBODY, MY HEALTH, nobody should have a right to delicate what care I get. I AM NOT SELLIG MY RIGHTS TO MY OWN BODY FOR SOME STINKING INSURANCE SCUMBAGS
Mangioni should be pardoned. The only sane voice in US now
Sickening system
quite literally sickening
ObamaCare!!!!!!!!
@@jessehutchinson7539 no, the Affordable Care Act, or 'Obamacare', as you call it, has absolutely nothing to do with grasping insurance companies denying medical claims in order to please their shareholders.
The US needs universal healthcare for its tax paying citizens.
Honestly as a European, who has health insurance, it is incredibly difficult to understand what us even going on here... In general over here being sick doesnt make you poor, and if your doctor advises treatment you get it.
America is about greed.
Medicare for all - now!
Free our Boi!! Free him!!!
Cannot afford that!
Time for all to exercise & have a healthy diet without all the seed oils which are making people fat. Most of the people in the US are overweight!
That would mean a huge increase in income tax.
Are you willing to pay 15% more in taxes ?
Even if the insurance approves the procedure it takes forever to schedule the appointment -> get testing done -> later get the doctor to review the results and plan for next course of action.
It took 8 weeks to get a cardiac MRI done at Stanford and to get to the bottom of the results.
It took me 8 hours to get the cardiac MRI done and also review in-person with top cardiologist in India
#1 Insurance companies need to change the way they act
#2 More qualified students need to be given the opportunity to study medicine, without worrying about the cost of education
#3 Nurses need to be paid more and incentivized for all the hard work and night shifts they do as care providers.
Looks like someone hasn’t read up on how countries with socialized healthcare ration healthcare….
Well said.
@MrJedBuddy America rations healthcare. United's denial rate is 32%. That's absolutely rationing healthcare.
@@MrJedBuddy Looks like you haven't traveled the world. Why are doctors and nurses not surplus? You do that in this country and you can automatically see docs working without major insurance umbrellas
@@andromedaspark2241how do you ration healthcare you’ve already consumed?
Obviously, the solution is to dump private insurance and go with Single Payer, like Canada and Western Europe. The only time private insurance should be allowed is as a SUPPLEMENT to Single Payer, like in France. When Canada started Single Payer in the 1960's, private insurance was not allowed at all.
Their statement is so loaded. Putting blame back on regulators, drugmakers and doctors. As if they didn't make billions of dollars of profit this year at the expense of ailing patients.
Why is it legal for health care insurance ceos and companies to deny people life saving treatments and/or medications?
Having an elderly parent with a Medicare advantage plan, I would very strongly discourage anyone from getting this type of plan.
Being in the UK and having the NHS, I understand our system isn’t always great (long delays, etc) but the fact that it is free and I don’t need to worry about insurance covering my treatment makes me thankful for our system.
Everyone is mad at the insurance companies, but what about the outrageous cost of hospitalizations, or any medical procedures? The medical bills in the US are ridiculously overpriced.
DENY . DEFEND . DEPOSE.
WE DESERVE BETTER HEALTH CARE.
Better everything!!!
No you don’t
Pass Medicare for All and make a new bill that says if prior authorization delays care in a way that kills or harms the patient, the healthcare company can be sued for wrongful death or medical malpractice.
Health insurance companies are clearly a problem. It is interesting to me how little people seem to mention or think about doctors, hospitals and other providers though. They're the ones charging the insurance companies high prices in the first place. How many of your Doctors drive a Porsche or other German sport or luxury car?
So many people love their Medicare Advantage plans, until they get sick or injured. Then all bets off.
Next do a report on the doctors over charging patients and expecting the insurance companies to pay it.
It's the for profit hospitals, again being owned by private equity
Next do a report on the success of Obamacare over the last 10 years
@ yeah, not so good. Obama should have pushed for a healthcare plan instead of just another insurance plan which ACA is. He added to the problem by forcing everyone to buy insurance, rather than offering actual healthcare services.
@ yeah, not so good. Obama should have pushed for a healthcare plan instead of just another insurance plan which ACA is. He added to the problem by forcing everyone to buy insurance, rather than offering actual healthcare services.
Wow! I guess Canadians are really lucky! Never thought twice about who is paying for my cataract surgery or kidney stone surgery or my stay in the hospital because of ketoacidosis, nor do I give it a second thought when the doctor orders an ultrasound or a CT scan or even an MRI. Thanks to Luigi Mangione, I have a better appreciation of the universal health care I get as a Canadian! 🙏
Too bad the quality of healthcare in your country sucks.
America doesn't need doctors to tell us the issues with insurance companies. We are painfully aware.
And why do doctors need insurance in the first place?
Doctors are being robbed by insurance and administrators. So much of the money is going away from hospice care, doctors, and nurses/technicians, and is being siphoned up to administration and insurance companies, everyone knows that now.
Don’t tell the people that’ll actually be taken seriously when they talk to be silent; especially if they’re speaking on your behalf with the intention of improving the situation
Luigi opened up the conversation I see
I don’t support violence of any form but I also believe we as a society and government has the responsibility not to create a situation that will force good - normal- citizens to be criminals!!
Making money through other Business is different from making criminal profits from people’s lives and health - through health insurance and pharmaceutical companies-
If Lugi Mangione was thinking about himself- he won’t do it - because he’s from a wealthy family and has no money issues
But he did it for all Americans- that is significant!! And that is what makes a compelling case and support for Luigi-
Basic healtcare should be public not private
Luigi is gonna become a legend 😢
Get these for profit health insurance companies out of controlling healthcare.
It's not just this part of insurance or that part of insurance that needs fixed -- it all needs to be cancelled!!! Medicare for all!
We need to not get distracted from the CORE ISSUE. For-profit health insurance is based on a fundamental conflict of interest. The more healthcare that is denied, the more profit these companies make. Do not let yourself be fooled by all the noise and distraction, THIS IS THE ONLY ISSUE WE SHOULD BE DISCUSSING regarding this event. $450 BILLION dollars PER YEAR. ~68,000 deaths attributable to delayed, withheld, and lacking care PER YEAR. DO NOT LET ANY CORPORATE LOBBYIST, CORPORATE NEWS MEDIA, OR POLITICIAN DISTRACT FROM THIS CORE ISSUE. DO NOT LET THEM STEER THE CONVERSATION AWAY FROM THIS.
Universal healthcare is the international standard, not a healthcare racket run by corporations that are all on the stock market!
The question people really need to ask if why we need insurance in the first place. In the Uk and most other European countries there is no need or the cost is small. In Singapore no one has it except for large expensive situations and they pay like $20 for that a month. Why can’t we just pay as we need? The whole system needs to be scrapped.
Thank you for covering this. The health insurance industry only exists for profit, not for health care. Even if that profit comes at the expense of people's lives. Health insurance companies can only keep discarding our lives for so long before the sentiment is returned.
Bernie Sanders was right all along. More people should pay attention to what he has to say.
Even though it is well established that chemo destroys your immunity system, my insurer refused to pay for a white blood cell booster ($140). Said it was "medically unnecessary". My oncologist stopped the chemo because of the high risk of a deadly infection. He was so mad, he just gave me the shot and said the clinic would eat the cost if insurer continued to refuse payment. Of course, giving a way a $140 is a good business decision too when each chemo session costs $26,000. Whoever regulates health insurers you fine them $billions for letting CEOs, board memebers, accountants, algorithms, and robots to practice medicine, when they have no state medical certification to do practice medicine.
I went in to do my yearly physical exam which is once per year and I still got a bill from my PPO insurance company denying paying for the physical exam and the labs associated with it.
A. Kent MacDougall, one of the star reporters at the WSJ, said, after he retired to teach journalism, that the WSJ exposes the rotten apples, but they don't talk about the shape of the barrel. In this case, they have all kinds of great stories (lifted from government reports) about the fraud and inefficiency in the healthcare system, but they've (mostly) ignored a serious look at the question of whether we should have for-profit health insurance at all, and whether we would be better off adopting one of the successful models in the other developed countries (which cost about half as much as our system).
Im going to stop you right at 0:15.
Before any of this happened, people have been shouting in outrage for decades about insurance companies. It only now that CEOs are listening and their immediate action is to hide themselves from the public. Not fix anything. 😂
From an incentives perspective, when the government is paying, they should place claims in a separate fund so the insurer can't profit by denying care. They should also pay insurers for the number of people insured, not number of claims processed. If the amount of claims, in dollars or number processed, can be gamed by institutions for more profit, then it will be.
Just a note on pre-authorization - the reason why it used to not exist and now it does is because doctors overprescribe unnecessary treatments that they can make money on but the patient doesn’t have to pay. It’s a win-win way to get over on the insurance company on a micro level except on a macro level it’s why healthcare costs are so high in the US.
Very true. We have to realize it's all business, as doctors also perform unnecessary surgery's and procedures.
"Insurance companies are working against us" The doctor was right. Think of all the lives that could be saved if we had medicare for all. Problem is, none of them are "important" lives to the people who run the country and corporations. Those guys have full coverage, they don't have to care.
everyone needs to drop the medicare advantage bs
the whole idea of a for profit healthcare system doesnt make sense. A profit motive and a care motive are diametrically opposed.
More reporting/videos on this, please.
Some people have learned to just go to the ER for an "emergency" in order to get a quick scan. They won't deny you care there and insurance companies must pay ER's.
Health care should be a kind of welfare from governmant rather than a profitable buisness for insurance industry.
That would require a huge increase in income tax.
Medicaid is inefficient and people don't want poor people having free healthcare.
Suppose a doctor opened an office in your neighborhood, and the Mafia turned up and said, "We want 20% of your gross."
Now suppose a doctor opened an office in your neighborhood, and the health insurance company turned up and said, "We want 20% of your gross." It's the same thing, except that the Mafia provides some useful services.
Free our Boi!!! Free him!!!
There is no effective way for an individual, patient or doctor, to deal with the massive insurance companies and the government is not doing it.
This murder has raised awareness that private health insurance companies have made health care a luxury in the United States.
Another big problems is that some health insurances have closed their panel, not allowing more doctors to be a participant of their network. This was the case for me with UHC as a neurologist physician. They had excluded solo specialist practitioners in certain areas to be part of their network under the explanation that the panel is closed. So leaving that doctor unable to provide the needed care to those patients enrolled in United Health Care seeking for certain specialists in that particular zip code. It seems doctors need to be part of a big group or a corporation to be a participant; this explanation might be inaccurate but I was not given their rationale on their declined letter. I was one of them , after trying to be enrolled in their network for several years without any success. 😮
The murderer got murdered because he wasn't in jail.
At the age of 71, my Medicare "Advantage" plan DELAYS EVERY DOCTOR RECOMMENDED TREATMENT! And I've HAD TO PAY into this system since I was 14. My Primary Care Physician diagnosed my constantly swollen feet and lower legs as most likely being from a cardiac condition. That was a full 3 months ago (in 2024!), and I am finally scheduled for an echocardiogram ON JANUARY 8, 2025! DELAY OFTEN MEANS DEATH for chrissakes! So BOO F-ING HOO about ANY health INSURANCE (NOT healthcare provider) multimillionaire executive being offed when I am among MILLIONS of senior citizens whose lives are being degraded and shortened! AND WE AREN'T THE ONLY ONES!!!
Thank you Luigi
Although "hard violence" killing is illegal, if the insurance company sets a harsh compensation standard, resulting in the insured‘s interests being damaged or even losing his life, how will this ”soft violence“ killing be punished? It is worth pondering.
Medical insurers would rather medicate with pills and therapy instead of surgery (when its needed). It took me 2+ months and multiple phone calls to get my hernia repaired.
Maybe your doctor should have lowered his price…
Sounds like you owe Obama a letter of thanks
@jessehutchinson7539 we need universal healthcare
@jessehutchinson7539 Obamacare only helps the elderly not the working class
@@jessehutchinson7539 Obamacare only helps the elderly not the working class
We had United healthcare and it was awful. They would constantly deny coverage where it took over two months to get physical therapy for my daughter from a sports injury at school. Everyday she was in pain. We paid out of pocket for physical therapy until they agreed to pay. Simply awful insurance