I work in healthcare in the US, on the insurance side, and it’s ridiculous the hoops the doctors have to go through to get their patients tests. I love my work because I know it helps people but if insurance changed to make it easier for patients to get care and I was out of this job I’d be ok. I’m sure the doctors i work for would find something else for me to do! I believe healthcare is a right and insurance, cost, or politics shouldn’t prevent someone from getting the care they need.
I live in the UK and my dad fell off his bike and shattered his hip (march 2024). He was taken straight to the nearest hospital and had a full hip replacement the next day, no wait, zero cost - all NHS
I hope your dad is doing his best♡ It's absolutely disgusting what the US government will tell it's citizens about free healthcare. How the waits are so much longer and it's free so the healthcare is crap 😳 How crazy is it that you can survive cancer but die in debt?!
@@eloahnon4952It is true that for non emercency procesure the wait is very long, and you WILL wait. Its been all over the news in the UK. But yes, its wonderdul that people dont go into debt for having cancer or strep throat. Just sucks that your condition could start of very treatable but can degenerate drastically while you wait months to be seen.
Hello from Denver, CO! I really enjoy your fun content. I work in healthcare & hope this breakdown helps. When determining what type of insurance to buy, you need to review the policy’s deductible, co-insurance & out-of-pocket maximum. These reflect what costs, in addition to the monthly premium, the patient will be responsible for covering. Deductible: What must be collected from the medical provider before the policy will pay a medical claim. This is similar to car or home insurance. Co-Insurance: Once the deductible is collected, the patient will share costs with the insurance carrier until the out-of-pocket maximum is met. This is typically a ratio of 80/20 or 70/30 with the patient paying the smaller percentage. Out-of-pocket maximum: The most a patient will pay out-of-pocket in a policy year. Once this is met, the insurance carrier pays claims at 💯 & the patient will have $0 costs for services including prescriptions for the rest of the year. Some polices will have high out-of-pocket patient costs to keep the monthly premiums lower which is great if you never use the policy, but definitely doesn’t work for families with young children, especially new parents. Hospital billing will always negotiate a payment agreement if needed & won’t add interest to the payment. Unfortunately, US Healthcare isn’t so much about health, but that is conversation or another day. Good Luck with your impending move!
Seriously. American medical is a profit driven disaster. You know it. I know it. It took you 5.5 paragraphs to keep it “simple”. Absurd. Expensive. Useless.
We have a high deductible too. My births (vanilla vag) with 1-2 days in hospital were $15k each x4. My third kiddo needed three specialist surgeries and our insurance covers any doctor in the US so we traveled down to Texas. We had to pay the travel part but insurance covered the hundreds of thousands in medical bills as our deductible was met. So grateful for that as I’ve heard horror stories from other parents (in the UK and US) whose surgeons didn’t really know what they were doing and botched their child’s very specialist surgery that they had no business having a go at. 😢 I’ve taken my kids to the doctor in the UK. Weird thing that even though we’re citizens, we’re not resident so we had to go privately. My 18 month old possibly swallowed a button battery and we had to scramble for a private referral to a private hospital for an X-ray. Thankfully he was clear but it was stressful. 😅
Maternal mortality rate much higher in the US compared to other first world countries ( 17.4 per 100,00 vs 6.5 in UK ). I've often wondered if that is affected by our amazing midwives and how high their education is. The NHS needs better funding and waiting lists/gp availability etc are awful but last year our son was in ICU, then on a ward for a week. We saw four separate consultants, nurses etc and i stayed with him the entire time. It cost us £20, which is what I spent on the coffee shop downstairs. Our son was admitted with catastrophic onset T1, I read regularly about T1 diabetics dying or creating go fund me profiles to try and survive in the USA. This is awful, T1 is an autoimmune disorder and is not the patients " fault". Changes are desperately needed in both UK and USA healthcare.
The NHS post covid is awful 7 million are waiting for operations and the private sector only do routine procedures so paying is not always an option. People are suffering, the system needs massive reform. Love your videos.
I totally agree. The pandemic broke it. I really hope everyone can rally together and try to fix it. Sadly all people seem to do is get angry at it but at the end of the day the alternative is very scary
Even without the pandemic waiting lists were increasing. As long as we have a conservative government the NHS will be allowed to crumble. If we value the NHS we have to vote them out!
People do forget how much of a privilege the NHS even with all its flaws. Also people forget that apart of the current government initiative over the past 14 years was to strip the NHS and privatise its services .
The tories could of course spend less on war, less on boosting the profits of the super rich and put that money in the NHS and education. I have worked for the NHS since leaving university and it is markedly worse off under the tories.
That is honestly wild! My husband is currently studying at Harvard. From your videos i have said to him i do NOT want to move to Boston 😂 I am staying firmly in the UK! So he better find a job in London when he graduates 🤪😅 xx
Everyone is entitled to their own opinions. I went to Boston last year for 2 weeks and found it very average. What shocked me the most is how expensive it is over there compared to the UK 🤯 The way of living is just so different. That’s great you’ve moved and are enjoying being over in California 😊 I am just not sure i could move out of my comfort of the UK! 🇬🇧 xx
I find American healthcare completely baffling… I live in Germany and we only have to pay for extra examinations that aren’t 100% necessary, if we want them. Germany has the problem of too many old people and too little babies coming into the world, so if you’re pregnant you basically get treated like a queen and that without cost to mum. I’m so sorry that you have to hold back on buying enjoyable things because of medical bills! I know there’s worse things on this world but it’s still sucky. Lots of love ❤
As an American, it baffles me too. It’s infuriating. I have $5,000 in medical bills due and can’t make another appointment until I pay it. It’s absolutely absurd
I totally agree and the hoops you have to go through to even get it, it’s wild. My husband’s grandmother was on it and it’s just crazy that they went through
@@MummysflippinhouseNot to long ago a lady’s little boy had brain cancer, and his Medicaid was actually canceled. She had to get a lawyer to get it back. Like she could afford a lawyer. 🙏
I’m American and even I don’t fully understand how insurance works. Our healthcare system needs a full overhaul. Right now, I get state insurance because my son is autistic (was recommended so my son could get the therapy he needed) But, our system is a joke. I have RA(since I was 9 & I’m 33) and because of my age, I have issues getting the medicine I need or tests I need done. It’s truly insane how shitty are healthcare system is here in America.
I’m just going to correct you on one thing bc your mostly right the only thing is that you CAN buy a house or car with your hospital bills on your credit it doesn’t matter they don’t count health bills it doesn’t determine your credit anymore hasn’t for years bc of the fact that most of america can’t afford health coverage I bought a house just fine while owing the hospital and I did pay them after but it didn’t affect my credit it doesn’t affect your credit to owe the hospital also our taxes go towards the local hospitals in America so for example when your home insurance or yearly tax go up the hospitals being paid with that money. So you technically pay for the hospital to be there with the tax you’re paying anyway.
I live in Boston also so I can answer that. If you don’t work you get free healthcare , it’s called Maas health. It is given to anyone that can’t afford healthcare.
Good old NHS 😊 I know everyone slags it off, but at point of care is always free. I know we have to pay through our National Insurance, but is such a small proportion against salaries. My twin developed Cancer and she was seen straight away & through her illness, totally free, even her hospice care prior to when we lost her 🥹
The NHS is not free it is free at the point of care we pay for it through our taxes. I worked for the NHS for 25 years. The only people it's really free for is anybody who uses it and has never paid into it.
@@Mummysflippinhouse Oh yes I understand completely what you are saying but some people actually think we pay nothing towards it at all and it's completely free. I hope your move back here goes smoothly. I really enjoy watching you and your family.x
What happens to say drug addicts and homless if they cant pay. Do they get treatment akd what about emergencys say someon eon welfare had a car crash for example do they get treated or literally left on a stretcher till they get up and leave? R u still moving bacm to england. Im in norwich england and love following you but for some steage reason this is only notification of any of ur channel ive had since u gave birth really so glad to be back akd that alls gone ok xx
NHS is not free, you pay Taxation and National Insurance all your working life for it. I think the rest of the world think the UK have it easy. It does cost us too
The NHS is on its arse and debt ridden. A year wait to see a neurologist, and my son is awaiting his autism assessment and over a year later he's not even close to his assessment date. Waiting lists are appalling, a n e is a 13 hour wait, good luck getting a gp appointment. Noone will take on nhs dentist clients so all our teeth are screwed. The NHS will collapse in the end and we'll all have to take out private insurance.
America health care is much better than the uk I think the uk should scrap the nhs as it’s unfair how the medical staff have to fight for. A pay rise and if we had health care like America then there would be no issue
Of course we have insurance. If we didn’t the bill would definitely not be $7000 it would be more like $70,000 😂 in the video I explained what type of insurance we have
@@Mummysflippinhouse Glad to hear it. I’m sorry, was just so shocked at the amount of those bills. I knew you guys got married quick to get on hubby’s insurance the first time.
The NHS isn't free maybe for some...but the bloody rest of us pay for it and hardly use it..perhaps if those coming from abroad paid for their care when they come here ...millions are owed by other countries...their should be a department to deal with payments instead of hospitals reliant on nurses who are their to care for people ..also millions lost every year with people not turning g up for appointments ...stop all this crap and all will be fine...I'm now getting off my soap box....
I work in healthcare in the US, on the insurance side, and it’s ridiculous the hoops the doctors have to go through to get their patients tests. I love my work because I know it helps people but if insurance changed to make it easier for patients to get care and I was out of this job I’d be ok. I’m sure the doctors i work for would find something else for me to do! I believe healthcare is a right and insurance, cost, or politics shouldn’t prevent someone from getting the care they need.
When r u moving back to the UK?
I live in the UK and my dad fell off his bike and shattered his hip (march 2024). He was taken straight to the nearest hospital and had a full hip replacement the next day, no wait, zero cost - all NHS
I hope your dad is doing his best♡
It's absolutely disgusting what the US government will tell it's citizens about free healthcare. How the waits are so much longer and it's free so the healthcare is crap 😳
How crazy is it that you can survive cancer but die in debt?!
@@eloahnon4952It is true that for non emercency procesure the wait is very long, and you WILL wait. Its been all over the news in the UK. But yes, its wonderdul that people dont go into debt for having cancer or strep throat. Just sucks that your condition could start of very treatable but can degenerate drastically while you wait months to be seen.
Girl I just love how real u r. A normal mom. A real family. My kids are adults now but oh how I relate to you. ❤ I karate chop my pillows now. Lol!
Hello from Denver, CO! I really enjoy your fun content.
I work in healthcare & hope this breakdown helps.
When determining what type of insurance to buy, you need to review the policy’s deductible, co-insurance & out-of-pocket maximum. These reflect what costs, in addition to the monthly premium, the patient will be responsible for covering.
Deductible: What must be collected from the medical provider before the policy will pay a medical claim. This is similar to car or home insurance.
Co-Insurance: Once the deductible is collected, the patient will share costs with the insurance carrier until the out-of-pocket maximum is met. This is typically a ratio of 80/20 or 70/30 with the patient paying the smaller percentage.
Out-of-pocket maximum: The most a patient will pay out-of-pocket in a policy year. Once this is met, the insurance carrier pays claims at 💯 & the patient will have $0 costs for services including prescriptions for the rest of the year.
Some polices will have high out-of-pocket patient costs to keep the monthly premiums lower which is great if you never use the policy, but definitely doesn’t work for families with young children, especially new parents. Hospital billing will always negotiate a payment agreement if needed & won’t add interest to the payment.
Unfortunately, US Healthcare isn’t so much about health, but that is conversation or another day.
Good Luck with your impending move!
Thank you!!
Seriously. American medical is a profit driven disaster. You know it. I know it. It took you 5.5 paragraphs to keep it “simple”. Absurd. Expensive. Useless.
We have a high deductible too. My births (vanilla vag) with 1-2 days in hospital were $15k each x4. My third kiddo needed three specialist surgeries and our insurance covers any doctor in the US so we traveled down to Texas. We had to pay the travel part but insurance covered the hundreds of thousands in medical bills as our deductible was met. So grateful for that as I’ve heard horror stories from other parents (in the UK and US) whose surgeons didn’t really know what they were doing and botched their child’s very specialist surgery that they had no business having a go at. 😢
I’ve taken my kids to the doctor in the UK. Weird thing that even though we’re citizens, we’re not resident so we had to go privately. My 18 month old possibly swallowed a button battery and we had to scramble for a private referral to a private hospital for an X-ray. Thankfully he was clear but it was stressful. 😅
I had my two babies in London NHS and was absolutely amazing.
Maternal mortality rate much higher in the US compared to other first world countries ( 17.4 per 100,00 vs 6.5 in UK ). I've often wondered if that is affected by our amazing midwives and how high their education is. The NHS needs better funding and waiting lists/gp availability etc are awful but last year our son was in ICU, then on a ward for a week. We saw four separate consultants, nurses etc and i stayed with him the entire time. It cost us £20, which is what I spent on the coffee shop downstairs. Our son was admitted with catastrophic onset T1, I read regularly about T1 diabetics dying or creating go fund me profiles to try and survive in the USA. This is awful, T1 is an autoimmune disorder and is not the patients " fault". Changes are desperately needed in both UK and USA healthcare.
The NHS post covid is awful 7 million are waiting for operations and the private sector only do routine procedures so paying is not always an option. People are suffering, the system needs massive reform. Love your videos.
I totally agree. The pandemic broke it. I really hope everyone can rally together and try to fix it. Sadly all people seem to do is get angry at it but at the end of the day the alternative is very scary
Even without the pandemic waiting lists were increasing. As long as we have a conservative government the NHS will be allowed to crumble. If we value the NHS we have to vote them out!
The population has gone up. There is record levels of immigration. Our infrastructure is not able to cope.
People do forget how much of a privilege the NHS even with all its flaws. Also people forget that apart of the current government initiative over the past 14 years was to strip the NHS and privatise its services .
The tories could of course spend less on war, less on boosting the profits of the super rich and put that money in the NHS and education. I have worked for the NHS since leaving university and it is markedly worse off under the tories.
That is honestly wild! My husband is currently studying at Harvard. From your videos i have said to him i do NOT want to move to Boston 😂 I am staying firmly in the UK! So he better find a job in London when he graduates 🤪😅 xx
Everyone is entitled to their own opinions. I went to Boston last year for 2 weeks and found it very average. What shocked me the most is how expensive it is over there compared to the UK 🤯 The way of living is just so different. That’s great you’ve moved and are enjoying being over in California 😊 I am just not sure i could move out of my comfort of the UK! 🇬🇧 xx
I find American healthcare completely baffling… I live in Germany and we only have to pay for extra examinations that aren’t 100% necessary, if we want them. Germany has the problem of too many old people and too little babies coming into the world, so if you’re pregnant you basically get treated like a queen and that without cost to mum. I’m so sorry that you have to hold back on buying enjoyable things because of medical bills! I know there’s worse things on this world but it’s still sucky. Lots of love ❤
As an American, it baffles me too. It’s infuriating. I have $5,000 in medical bills due and can’t make another appointment until I pay it. It’s absolutely absurd
You are so smart to be gettin the hell out of there
I feel so so sorry for all the ppl who depend on Medicaid, and are having their Medicaid cut.
I totally agree and the hoops you have to go through to even get it, it’s wild. My husband’s grandmother was on it and it’s just crazy that they went through
@@MummysflippinhouseNot to long ago a lady’s little boy had brain cancer, and his Medicaid was actually canceled. She had to get a lawyer to get it back. Like she could afford a lawyer. 🙏
I’m American and even I don’t fully understand how insurance works. Our healthcare system needs a full overhaul. Right now, I get state insurance because my son is autistic (was recommended so my son could get the therapy he needed)
But, our system is a joke. I have RA(since I was 9 & I’m 33) and because of my age, I have issues getting the medicine I need or tests I need done. It’s truly insane how shitty are healthcare system is here in America.
I’m just going to correct you on one thing bc your mostly right the only thing is that you CAN buy a house or car with your hospital bills on your credit it doesn’t matter they don’t count health bills it doesn’t determine your credit anymore hasn’t for years bc of the fact that most of america can’t afford health coverage I bought a house just fine while owing the hospital and I did pay them after but it didn’t affect my credit it doesn’t affect your credit to owe the hospital also our taxes go towards the local hospitals in America so for example when your home insurance or yearly tax go up the hospitals being paid with that money. So you technically pay for the hospital to be there with the tax you’re paying anyway.
MORE VIDI-OS CAROLINE!!!
Just fyi they do have a Popeyes location in Croydon so you and your husband can still enjoy it once you move.
One of the biggest problem with the US insurance is that the insurance company can refuse a procedure or medication that a doctor recommends.
How do people who dont work in usa or Boston afford to have babies if they have no insurance
I live in Boston also so I can answer that. If you don’t work you get free healthcare , it’s called Maas health. It is given to anyone that can’t afford healthcare.
Think of all that money your going to save each month in the uk thats 5400 $ a year .❤
Good old NHS 😊 I know everyone slags it off, but at point of care is always free. I know we have to pay through our National Insurance, but is such a small proportion against salaries. My twin developed Cancer and she was seen straight away & through her illness, totally free, even her hospice care prior to when we lost her 🥹
Is it true it cost nearly 10.000 dollars to give birth...and 40 dollars for the nurse to hand the baby over for the skin on skin contact.......
Not sure about the $40 to hand the baby to you that sounds odd but my baby cost me after insurance $7500 out of pocket for me
The NHS is not free it is free at the point of care we pay for it through our taxes. I worked for the NHS for 25 years. The only people it's really free for is anybody who uses it and has never paid into it.
You understand what I am saying. National insurance payments are very low and also contribute to other things too x
@@Mummysflippinhouse Oh yes I understand completely what you are saying but some people actually think we pay nothing towards it at all and it's completely free. I hope your move back here goes smoothly. I really enjoy watching you and your family.x
How do you know there is no difference in survival rates between the uk and USA?
The nhs has changed in the last ten years.
What happens to say drug addicts and homless if they cant pay. Do they get treatment akd what about emergencys say someon eon welfare had a car crash for example do they get treated or literally left on a stretcher till they get up and leave? R u still moving bacm to england. Im in norwich england and love following you but for some steage reason this is only notification of any of ur channel ive had since u gave birth really so glad to be back akd that alls gone ok xx
NHS is not free, you pay Taxation and National Insurance all your working life for it. I think the rest of the world think the UK have it easy. It does cost us too
Well, we pay tons of taxes in USA and yet still have to pay for insurance.
The NHS is on its arse and debt ridden. A year wait to see a neurologist, and my son is awaiting his autism assessment and over a year later he's not even close to his assessment date. Waiting lists are appalling, a n e is a 13 hour wait, good luck getting a gp appointment. Noone will take on nhs dentist clients so all our teeth are screwed. The NHS will collapse in the end and we'll all have to take out private insurance.
I hate health insurance so much. Wtf am i paying for each month? 😭
America health care is much better than the uk I think the uk should scrap the nhs as it’s unfair how the medical staff have to fight for. A pay rise and if we had health care like America then there would be no issue
Why are you getting hospital bills for having a baby? No insurance? That’s crazy 😮
Of course we have insurance. If we didn’t the bill would definitely not be $7000 it would be more like $70,000 😂 in the video I explained what type of insurance we have
@@Mummysflippinhouse Glad to hear it. I’m sorry, was just so shocked at the amount of those bills. I knew you guys got married quick to get on hubby’s insurance the first time.
The NHS isn't free maybe for some...but the bloody rest of us pay for it and hardly use it..perhaps if those coming from abroad paid for their care when they come here ...millions are owed by other countries...their should be a department to deal with payments instead of hospitals reliant on nurses who are their to care for people ..also millions lost every year with people not turning g up for appointments ...stop all this crap and all will be fine...I'm now getting off my soap box....