{"id":1059,"date":"2026-01-15T08:05:27","date_gmt":"2026-01-15T08:05:27","guid":{"rendered":"http:\/\/abbot.tiau.com\/health\/?p=1059"},"modified":"2026-01-15T08:05:27","modified_gmt":"2026-01-15T08:05:27","slug":"a-terrible-guide-to-the-terrible-terminology-of-u-s-health-insurance","status":"publish","type":"post","link":"https:\/\/abbot.tiau.com\/health\/?p=1059","title":{"rendered":"A terrible guide to the terrible terminology of U.S. Health Insurance"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/-wpHszfnJns\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>hahaha this system sucks.<br \/>\na huge thanks to my Patreon for giving me a chance to do this way-too-big video: https:\/\/patreon.com\/briandavidgilbert<\/p>\n<p>filmed by Karen Han: https:\/\/twitter.com\/karenyhan<br \/>\nmusic by Louie Zong, check out the album &#8220;Business&#8221;: https:\/\/louiezong.bandcamp.com\/<\/p>\n<p>MERCH: https:\/\/store.dftba.com\/collections\/brian-david-gilbert<br \/>\nSTREAMS: https:\/\/twitch.tv\/briandavidgilbert<br \/>\nSTREAM ARCHIVE: https:\/\/www.youtube.com\/channel\/UCqbwf1q9hkT8E4zPsWYMjwA<br \/>\nINSTA: https:\/\/instagram.com\/briamgilbert<br \/>\nWEBSITE: https:\/\/www.briandavidgilbert.com\/<\/p>\n<p>Looking to get involved in healthcare reform? Check for any state\/local groups or groups in your profession (especially if you are a nurse\/doctor\/medical student!) to join or support! Here&#8217;s a relatively comprehensive Wiki page on U.S. Healthcare Reform Advocacy Groups to give you starting point: https:\/\/en.wikipedia.org\/wiki\/List_of_healthcare_reform_advocacy_groups_in_the_United_States<\/p>\n<p>ARTICLES REFERENCED IN THE VIDEO:<br \/>\n&#8211; &#8220;Brian David Gilbert Begins Comprehensive Deep Dive Into How to Get Health Insurance Now&#8221;: https:\/\/hard-drive.net\/brian-david-gilbert-begins-comprehensive-deep-dive-into-how-to-get-health-insurance-now\/<br \/>\n&#8211; &#8220;FORMULARY (LIST OF COVERED DRUGS) FOR BLUE SHIELD OF CALIFORNIA MEDICARE PLANS&#8221;: https:\/\/www.blueshieldca.com\/bsca\/bsc\/wcm\/connect\/sites\/sites_content_en\/medicare\/resources\/prescription_resources\/medicare_formularies?<br \/>\n&#8211; &#8220;Analysis: Half of Emergency Ambulance Rides Lead to Out-of-Network Bills for Privately Insured Patients&#8221;: https:\/\/www.kff.org\/health-costs\/press-release\/analysis-half-of-emergency-ambulance-rides-lead-to-out-of-network-bills-for-privately-insured-patients\/<br \/>\n&#8211; &#8220;Can Hospitals Use an Out-of-Network Anesthesiologist or Physician?&#8221;: https:\/\/www.ushealthgroup.com\/2021\/04\/14\/can-hospitals-use-out-of-network-anesthesiologist-or-physician\/<br \/>\n&#8211; &#8220;What Medicare Covers&#8221;: https:\/\/www.medicare.gov\/what-medicare-covers<br \/>\n&#8211; &#8220;Nebraska Medicare Eligibility&#8221;: https:\/\/dhhs.ne.gov\/Pages\/Medicaid-Eligibility.aspx<br \/>\n&#8211; &#8220;Millions of kids qualify for Medicaid. Biden funds outreach to boost enrollment&#8221;: https:\/\/www.npr.org\/sections\/health-shots\/2022\/07\/19\/1112247478\/millions-of-kids-qualify-for-medicaid-biden-funds-outreach-to-boost-enrollment<br \/>\n&#8211; &#8220;Open Secrets: Client Profile: Blue Cross\/Blue Shield&#8221;: https:\/\/www.opensecrets.org\/federal-lobbying\/clients\/summary?cycle=2021&amp;id=D000000109&amp;name=Blue+Cross%2FBlue+Shield<\/p>\n<p>SECTIONS:<br \/>\n00:00 &#8211; Intro<br \/>\n01:52 &#8211; Health Insurance<br \/>\n02:53 &#8211; Dental &amp; Vision Insurance<br \/>\n03:42 &#8211; Premium<br \/>\n04:19 &#8211; Deductible<br \/>\n07:08 &#8211; Copays &amp; Coinsurance, Out-of-Pocket Maximum<br \/>\n09:58 &#8211; Drug Tiers, Drug Formulary<br \/>\n11:53 &#8211; Open Enrollment, Qualifying Life Event, COBRA, Special Enrollment Period<br \/>\n14:40 &#8211; In-Network, Out-of-Network, Multi-Tier Network<br \/>\n17:03 &#8211; HMO, PPO, EPO, POS Plans<br \/>\n19:08 &#8211; HSA, FSA, MSA, HRA<br \/>\n22:14 &#8211; Medicare &amp; Medicaid<br \/>\n25:19 &#8211; Obfuscation<br \/>\n27:02 &#8211; So&#8230; what now?<br \/>\n29:19 &#8211; Credits<\/p>\n","protected":false},"excerpt":{"rendered":"<p>hahaha this system sucks. a huge thanks to my Patreon for giving me a chance to do this way-too-big video: [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":1060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - 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