Signing Up For Health Insurance With Comedians | NBC News Now


HAVE NOW. THE DOCTOR SAT DOWN WITH A THE DOCTOR SAT DOWN WITH A COUPLE OF COMEDIANS TO HELP THEM COUPLE OF COMEDIANS TO HELP THEM OUT. OUT.>>QUIRKY.>>QUIRKY. REALLY GOOD. REALLY GOOD.>>TO HELP YOU BUY HEALTH>>TO HELP YOU BUY HEALTH INSURANCE, I’VE BEEN LISTENING INSURANCE, I’VE BEEN LISTENING TO THESE TWO SELF-MADE EXTREMELY TO THESE TWO SELF-MADE EXTREMELY TALENTED INDIVIDUALS. TALENTED INDIVIDUALS.>>OH, OKAY!>>OH, OKAY!>>I’M A COMEDIAN.>>I’M A COMEDIAN.>>I’M KATHERINE.>>I’M KATHERINE. I’M ALSO A COMEDIAN. I’M ALSO A COMEDIAN. WE DO A PODCAST TOGETHER. WE DO A PODCAST TOGETHER. IT IS A PODCAST ABOUT SEX, LOVE, IT IS A PODCAST ABOUT SEX, LOVE, DATING, TEXTING. DATING, TEXTING.>>YOU TALK ABOUT THE>>YOU TALK ABOUT THE TERMINOLOGY OF HEALTH INSURANCE. TERMINOLOGY OF HEALTH INSURANCE.>>WHAT’S INTERESTING, I HAVE>>WHAT’S INTERESTING, I HAVE THIS BUT IN NO WAY DO I THIS BUT IN NO WAY DO I UNDERSTAND IT. UNDERSTAND IT.>>WE’LL GO THROUGH THE BASIC>>WE’LL GO THROUGH THE BASIC WORDS THAT DEFINE EVERY SINGLE WORDS THAT DEFINE EVERY SINGLE HEALTH PLAN. HEALTH PLAN. I’LL SHOW YOU A WORD. I’LL SHOW YOU A WORD. YOU RING A BELL WHEN YOU CAN YOU RING A BELL WHEN YOU CAN TELL ME WHAT THE WORD MEANS OR TELL ME WHAT THE WORD MEANS OR WHAT IT STANDS FOR IF IT’S AN WHAT IT STANDS FOR IF IT’S AN ACRONYM. ACRONYM.>>I — A DEDUCTIBLE.>>I — A DEDUCTIBLE. STUFF THAT YOU PAY. STUFF THAT YOU PAY.>>A DEDUCT I BELIEVE IS A>>A DEDUCT I BELIEVE IS A NUMBER IN YOUR HEALTH PLAN THAT NUMBER IN YOUR HEALTH PLAN THAT YOU HAVE TO REACH ANNUALLY, YOU HAVE TO REACH ANNUALLY, MEDICAL EXPENSES, BEFORE YOUR MEDICAL EXPENSES, BEFORE YOUR INSURANCE STARTS TO REALLY COVER INSURANCE STARTS TO REALLY COVER YOUR EXPENSES. YOUR EXPENSES.>>WAIT A MINUTE.>>WAIT A MINUTE. THAT EXPLAINS WHY — THAT EXPLAINS WHY –>>SO YOURS IS $4,000.>>SO YOURS IS $4,000. THAT MEANS IN ONE YEAR, YOU HAVE THAT MEANS IN ONE YEAR, YOU HAVE TO PAY YOUR MEDICAL EXPENSES, UP TO PAY YOUR MEDICAL EXPENSES, UP TO $4,000. TO $4,000. AND THEN AFTER THAT, YOU’RE JUST AND THEN AFTER THAT, YOU’RE JUST PAYING A CO-PAYMENT OR A MUCH PAYING A CO-PAYMENT OR A MUCH SMALLER PERCENTAGE. SMALLER PERCENTAGE.>>YOU’RE PAYING $4,000.>>YOU’RE PAYING $4,000.>>WHY BOTHER PAYING INSURANCE?>>WHY BOTHER PAYING INSURANCE?>>IT DOESN’T REALLY COME TO>>IT DOESN’T REALLY COME TO $4,000. $4,000. MY DEDUCTIBLE IS $20. MY DEDUCTIBLE IS $20.>>BUT GOD FORBID YOU GET HIT BY>>BUT GOD FORBID YOU GET HIT BY SOMEONE DRIVING THE WRONG WAY SOMEONE DRIVING THE WRONG WAY GOING BACKWARDS AND YOUR MEDICAL GOING BACKWARDS AND YOUR MEDICAL BILL IS $25,000. BILL IS $25,000. THAT INSURANCE WILL HAVE YOUR THAT INSURANCE WILL HAVE YOUR BACK. BACK. BECAUSE YOUR DEDUCTIBLE WILL BECAUSE YOUR DEDUCTIBLE WILL KICK IN WAY BEFORE THAT. KICK IN WAY BEFORE THAT. IF YOU GET HIT BY A BUS, I HAVE IF YOU GET HIT BY A BUS, I HAVE WAY BIGGER PROBLEMS THAN WAY BIGGER PROBLEMS THAN DEDUCTIBLE. DEDUCTIBLE.>>SO CO-PAY IS LIKE YOUR BIG>>SO CO-PAY IS LIKE YOUR BIG FEE THAT YOU’RE GOING TO PAY ANY FEE THAT YOU’RE GOING TO PAY ANY TIME YOU GET A MEDICAL SERVICE. TIME YOU GET A MEDICAL SERVICE. $25 TO SEE YOUR DOCTOR THAT’S $25 TO SEE YOUR DOCTOR THAT’S UPTOWN. UPTOWN. $250 EVERY TIME YOU GO TO THE $250 EVERY TIME YOU GO TO THE E.R. E.R.>>YOU DON’T GO THERE FOR A COLD>>YOU DON’T GO THERE FOR A COLD OR A SPRAINED ANKLE. OR A SPRAINED ANKLE. YOU GO TO YOUR NORMAL DOCTOR OR YOU GO TO YOUR NORMAL DOCTOR OR URGE END CARE. URGE END CARE.>>AND I HAVE URGENT CARE.>>AND I HAVE URGENT CARE.>>LET ME ASK YOU THIS.>>LET ME ASK YOU THIS. WHY DID THEY TACK ON THE CODE? WHY DID THEY TACK ON THE CODE?>>WHEN YOU SIGN UP FOR HEALTH>>WHEN YOU SIGN UP FOR HEALTH INSURANCE, YOU AND YOUR INSURANCE, YOU AND YOUR INSURANCE COMPANY ARE IN IT INSURANCE COMPANY ARE IN IT TOGETHER. TOGETHER. WE COVERED DEDUCTIBLES. WE COVERED DEDUCTIBLES.>>NOW THIS TO ME –>>NOW THIS TO ME –>>IN MY MIND, I’M ON A BREAK.>>IN MY MIND, I’M ON A BREAK. MONEY YOU DON’T HAVE. MONEY YOU DON’T HAVE. AND THEY’RE LIKE, TAKE IT TO THE AND THEY’RE LIKE, TAKE IT TO THE MAT. MAT.>>I’M SO PROUD OF YOU.>>I’M SO PROUD OF YOU. THAT WAS AMAZING. THAT WAS AMAZING.>>IT COULD BE RIGHT.>>IT COULD BE RIGHT. THERE IS NO SUCH THING AS RIGHT THERE IS NO SUCH THING AS RIGHT OR WRONG. OR WRONG.>>OUT OF POCKET MAXIMUM IS THE>>OUT OF POCKET MAXIMUM IS THE MAXIMUM AMOUNT YOU WILL PAY IN A MAXIMUM AMOUNT YOU WILL PAY IN A YEAR. YEAR. WHEN YOU HIT THAT, YOUR WHEN YOU HIT THAT, YOUR INSURANCE WILL PAY FOR INSURANCE WILL PAY FOR EVERYTHING. EVERYTHING. ALL RIGHT? ALL RIGHT?>>GOOD FOR THE YEAR.>>GOOD FOR THE YEAR. WE’LL GIVE YOU A SCENARIO. WE’LL GIVE YOU A SCENARIO. RIGHT? RIGHT? GOD FOR BID WHEN YOU GET GOD FOR BID WHEN YOU GET HOSPITALIZED AND YOU HAVE A BILL HOSPITALIZED AND YOU HAVE A BILL OF $20,000. OF $20,000.>>I REALLY DON’T LIKE THAT.>>I REALLY DON’T LIKE THAT. SO MUCH MONEY. SO MUCH MONEY.>>YOUR DEDUCTIBLE IS $5,000.>>YOUR DEDUCTIBLE IS $5,000. AND YOUR OUT OF POXFOF POCKET MA AND YOUR OUT OF POXFOF POCKET MA IS $7200. IS $7200. AFTER YOU HIT $5,000, FOR EVERY AFTER YOU HIT $5,000, FOR EVERY OTHER BILL FROM NOW ON, I’M OTHER BILL FROM NOW ON, I’M GOING TO COVER A LARGE GOING TO COVER A LARGE PERCENTAGE OF THIS. PERCENTAGE OF THIS. WHEN YOU HIT $7200, YOU’RE GOOD. WHEN YOU HIT $7200, YOU’RE GOOD. WE WILL COVER YOU FOR THE REST WE WILL COVER YOU FOR THE REST YEAR. YEAR. THIS IS WHY IF SOMEONE IS THIS IS WHY IF SOMEONE IS HOSPITALIZED FOR SIX MONTHS AND HOSPITALIZED FOR SIX MONTHS AND THE BILL IS A MILLION DOLLARS, THE BILL IS A MILLION DOLLARS, THEY’RE NOT PAYING A MILLION THEY’RE NOT PAYING A MILLION DOLLARS. DOLLARS. YOU’RE PAYING 20% AFTER YOUR YOU’RE PAYING 20% AFTER YOUR DEDUCTIBLE UNTIL YOU HIT YOUR DEDUCTIBLE UNTIL YOU HIT YOUR MAXIMUM. MAXIMUM.>>LAST BUT NOT LEAST.>>LAST BUT NOT LEAST. CATASTROPHIC A HEALTH INSURANCE CATASTROPHIC A HEALTH INSURANCE PLAN. PLAN. YOU DON’T PAY A LOT OF MONEY. YOU DON’T PAY A LOT OF MONEY. HERE’S THE KICKER. HERE’S THE KICKER. GETTING THE CATASTROPHIC PLAN, GETTING THE CATASTROPHIC PLAN, YOU HAVE TO QUALIFY. YOU HAVE TO QUALIFY. PROBABLY GOOD FOR THAT. PROBABLY GOOD FOR THAT.>>OKAY.>>OKAY. YOU HAVE YOUR HEALTH INSURANCE YOU HAVE YOUR HEALTH INSURANCE PLAN PULLED UP IN FRONT OF YOU. PLAN PULLED UP IN FRONT OF YOU. WHAT ARE YOUR DEDUCTIBLES? WHAT ARE YOUR DEDUCTIBLES?>>MINE IS $4,000.>>MINE IS $4,000.>>THIS LOOKS LIKE $250 A>>THIS LOOKS LIKE $250 A PERSON. PERSON. $500 A FAMILY. $500 A FAMILY.>>WHAT IS YOUR OUT OF POCKET>>WHAT IS YOUR OUT OF POCKET MAXIMUM? MAXIMUM?>>$7600.>>$7600.>>MINE IS $1,000.>>MINE IS $1,000.>>YOURS IS SO MUCH LOWER.>>YOURS IS SO MUCH LOWER.>>HOW MUCH DO YOU PAY A MONTH?>>HOW MUCH DO YOU PAY A MONTH?>>$435.10.>>$435.10. SO SO MINE IS ONLY $100 A MONTH. SO SO MINE IS ONLY $100 A MONTH.>>THAT’S THE DIFFERENCE BETWEEN>>THAT’S THE DIFFERENCE BETWEEN GETTING INSURANCE FROM AN GETTING INSURANCE FROM AN EMPLOYER VERSUS AN INDIVIDUAL. EMPLOYER VERSUS AN INDIVIDUAL.>>IS THERE ANYTHING THAT YOU’RE>>IS THERE ANYTHING THAT YOU’RE NOW SEEING THAT YOU’RE SAYING, NOW SEEING THAT YOU’RE SAYING, OH, I DIDN’T KNOW THAT WAS IN OH, I DIDN’T KNOW THAT WAS IN THE PLAN. THE PLAN.>>IT ONLY SAYS PEDIATRIC DENTAL>>IT ONLY SAYS PEDIATRIC DENTAL CARE. CARE. WHAT IF YOU’RE IN YOUR 30s?

18 comments

🌟🌟These two icons are the only people who could have made me sit down and watch this!🌟🌟 I'm from Europe so these numbers are absolutely terrifying

Let's just all pay some taxes and everyone can get any of the healthcares—sprained ankle, bus hit treatments, and the like—when they need it and not die, and no CEOs get rich from any of it 🙂

In my mind out of pocket maximum is like…it's money you don't have and you're like "Take it to the max!"

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