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Another ‘conspiracy theory’ proven true Danielle Lammon is a former Allstate insurance agency owner in Colorado, in the Aurora and Denver area She confirms the skyrocketing insurance rates are because of illegal uninsured drivers getting into accidents “She would have people that would get hit by illegals that didn't...

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A huge health insurance SCAM more people need to be talking about - American with insurance was told her MRI total with insurance would be $5,100 - Without insurance the bill would be $700 After learning this she asked to not use her insurance, the hospital told her “Since you have insurance, we are not going to let you self-pay it. — How is that not a scam? Isn't it my choice if I want to self-pay something versus running it through my insurance” “Insurance is such a ripoff. — health insurance is a scam”
2:12

A huge health insurance SCAM more people need to be talking about - American with insurance was told her MRI total with insurance would be $5,100 - Without insurance the bill would be $700 After learning this she asked to not use her insurance, the hospital told her “Since you have insurance, we are not going to let you self-pay it. — How is that not a scam? Isn't it my choice if I want to self-pay something versus running it through my insurance” “Insurance is such a ripoff. — health insurance is a scam”

Wall Street Apes

6,157,558 Aufrufe • vor 1 Jahr

American needed medical imaging. She was told the cost with her insurance is $1,200. She told them unfortunately she would have to cancel the appointment because she can’t afford that She was put on hold. Another woman came in the phone and she said, "Girl, opt out of your insurance. You don't have to use it." She was told if you don’t want to use your insurance the cash pay price would only be $480 It’s $780 cheaper to not have insurance and be paying a monthly premium US health insurance is out of control and it’s such a scam. There is no reason for a cash pay price to ever be cheaper than someone paying a monthly deductible for insurance
1:53

American needed medical imaging. She was told the cost with her insurance is $1,200. She told them unfortunately she would have to cancel the appointment because she can’t afford that She was put on hold. Another woman came in the phone and she said, "Girl, opt out of your insurance. You don't have to use it." She was told if you don’t want to use your insurance the cash pay price would only be $480 It’s $780 cheaper to not have insurance and be paying a monthly premium US health insurance is out of control and it’s such a scam. There is no reason for a cash pay price to ever be cheaper than someone paying a monthly deductible for insurance

Wall Street Apes

1,038,835 Aufrufe • vor 1 Monat

“They told me my MRI would be $5,100 WITH insurance — but only $700 WITHOUT it.” When she asked to self-pay, the hospital said, “Since you have insurance, we won’t let you.” “How is that not a scam? Isn’t it my choice?” Health insurance is a legalized scam.
2:12

“They told me my MRI would be $5,100 WITH insurance — but only $700 WITHOUT it.” When she asked to self-pay, the hospital said, “Since you have insurance, we won’t let you.” “How is that not a scam? Isn’t it my choice?” Health insurance is a legalized scam.

MatrixMysteries

2,607,590 Aufrufe • vor 10 Monaten

WOW 🚨 American Surgeon exposes she did reconstructive surgery on a breast cancer patient. Health Insurance company paid her only $100 She says this happens all the time, went to court, won, they still won’t pay A bill was proposed to stop this AND CONGRESS KILLED IT “Practicing medicine in 2025 is diabolical. People ask me all the time, if my daughters were to go into medicine, would I let them? And today my answer is no.” “I had done a reconstruction on like a 26 year old girl with breast cancer and the insurance company thought it was reasonable and customary to pay me $100 for her reconstruction. — The insurance company decided to pay me $100, we had to have my legal team sue the insurance company.And this is really common. This happens all the time, unfortunately. — Even though they've lost in court, they don't actually have to pay this amount. And so now the health care attorneys were like, okay, well now we're going to try to file some sort of law through Congress which says that if the insurance companies don't pay, then they should be subject to interest rates. And the ruling came out today that actually that bill is not going to go through” Congress is completely bought out by Big Pharma and Health Insurance companies. This is a racket
4:18

WOW 🚨 American Surgeon exposes she did reconstructive surgery on a breast cancer patient. Health Insurance company paid her only $100 She says this happens all the time, went to court, won, they still won’t pay A bill was proposed to stop this AND CONGRESS KILLED IT “Practicing medicine in 2025 is diabolical. People ask me all the time, if my daughters were to go into medicine, would I let them? And today my answer is no.” “I had done a reconstruction on like a 26 year old girl with breast cancer and the insurance company thought it was reasonable and customary to pay me $100 for her reconstruction. — The insurance company decided to pay me $100, we had to have my legal team sue the insurance company.And this is really common. This happens all the time, unfortunately. — Even though they've lost in court, they don't actually have to pay this amount. And so now the health care attorneys were like, okay, well now we're going to try to file some sort of law through Congress which says that if the insurance companies don't pay, then they should be subject to interest rates. And the ruling came out today that actually that bill is not going to go through” Congress is completely bought out by Big Pharma and Health Insurance companies. This is a racket

Wall Street Apes

1,007,721 Aufrufe • vor 1 Jahr

Insurance is the biggest aspect of personal finance that the vast majority of Indians struggle with. One big reason is a lack of awareness about insurance, rampant misselling complexity, spam, etc. Health insurance and life insurance (term insurance) are the only two products most people need. But the products that are sold the most are ULIPs and other traditional products that promise both insurance and investments but offer the worst of both worlds, not to mention the ridiculous commissions. To make insurance simple for you, we recently hosted an AMA with Shrehith Karkera, co-founder of Ditto Insurance. As he beautifully put it: "Buying life insurance is the kindest gesture you can offer to your dependents and family because when you ask most people what's the most important thing in life, they say family yet most of them won't have term insurance. " "Insurance helps you deal with black swan events—things you don't see coming." The AMA has answers to even the most basic questions, like: Will smokers get insurance?, is corporate insurance sufficient?, and more. Check the link in the comments.
1:38

Insurance is the biggest aspect of personal finance that the vast majority of Indians struggle with. One big reason is a lack of awareness about insurance, rampant misselling complexity, spam, etc. Health insurance and life insurance (term insurance) are the only two products most people need. But the products that are sold the most are ULIPs and other traditional products that promise both insurance and investments but offer the worst of both worlds, not to mention the ridiculous commissions. To make insurance simple for you, we recently hosted an AMA with Shrehith Karkera, co-founder of Ditto Insurance. As he beautifully put it: "Buying life insurance is the kindest gesture you can offer to your dependents and family because when you ask most people what's the most important thing in life, they say family yet most of them won't have term insurance. " "Insurance helps you deal with black swan events—things you don't see coming." The AMA has answers to even the most basic questions, like: Will smokers get insurance?, is corporate insurance sufficient?, and more. Check the link in the comments.

Nithin Kamath

167,548 Aufrufe • vor 2 Jahren

American got the only health insurance she could afford for her family of 5, the cheapest plan was $2,000 per month She is learning every appointment she’s going to would have been cheaper to just do the cash pay option “$2,000 a month is paid before any person in my family walks through the door of the doctor's office and breathes the air in the room. $2,000 on top of that, my particular plan through Aetna has a $6,500 deductible, meaning I have to pay $6,500 before they cover anything.” She went to the ER and needed scans “When I show up and check in for the MRI, they tell me that I need to pay my portion, which is $960 to get the MRI that day, $960 — I turned around and said, out of curiosity, how much would this have cost me if I hadn't run it through insurance? Do you know what? Her answer was? About $400. So if I don't have insurance, it's $400, but if I do have insurance, it's $960” “Then my ER bill showed up yesterday. They would like $1,760 for my one hour visit, and by the way, $965 of that total was for two x-rays. So I called the billing department and I asked again, what would this have cost me if it was self-pay, if I didn't have insurance? She said About $1,200” “So again, without insurance, $1,200 with insurance, $1,760. And remember what I said in the beginning, I am already paying $2,000 a month just to have insurance —Why does having medical insurance make healthcare more expensive? I would love to hear your answers” US Health Insurance is a scam
3:31

American got the only health insurance she could afford for her family of 5, the cheapest plan was $2,000 per month She is learning every appointment she’s going to would have been cheaper to just do the cash pay option “$2,000 a month is paid before any person in my family walks through the door of the doctor's office and breathes the air in the room. $2,000 on top of that, my particular plan through Aetna has a $6,500 deductible, meaning I have to pay $6,500 before they cover anything.” She went to the ER and needed scans “When I show up and check in for the MRI, they tell me that I need to pay my portion, which is $960 to get the MRI that day, $960 — I turned around and said, out of curiosity, how much would this have cost me if I hadn't run it through insurance? Do you know what? Her answer was? About $400. So if I don't have insurance, it's $400, but if I do have insurance, it's $960” “Then my ER bill showed up yesterday. They would like $1,760 for my one hour visit, and by the way, $965 of that total was for two x-rays. So I called the billing department and I asked again, what would this have cost me if it was self-pay, if I didn't have insurance? She said About $1,200” “So again, without insurance, $1,200 with insurance, $1,760. And remember what I said in the beginning, I am already paying $2,000 a month just to have insurance —Why does having medical insurance make healthcare more expensive? I would love to hear your answers” US Health Insurance is a scam

Wall Street Apes

166,205 Aufrufe • vor 6 Monaten

Jeff Walton: "Is an insurance company a Ponzi scheme?" Coffeezilla: "No. They have business activities that are providing cash flow. They're taking on risk." Walton: "Insurance companies have capital and they're taking on risk to pay liability into the future. Almost 100% of the claims that get paid out on insurance company balance sheets is from premiums that they're collecting in the door. So under your definition, you would call an insurance company a Ponzi scheme." Coffeezilla: "No, no. They have real profits. They have real cash flows." Walton: "The profits are the assets that are protected on their balance sheet." Coffeezilla: "People are paying for products." Walton: "What's the product?"
3:04

Jeff Walton: "Is an insurance company a Ponzi scheme?" Coffeezilla: "No. They have business activities that are providing cash flow. They're taking on risk." Walton: "Insurance companies have capital and they're taking on risk to pay liability into the future. Almost 100% of the claims that get paid out on insurance company balance sheets is from premiums that they're collecting in the door. So under your definition, you would call an insurance company a Ponzi scheme." Coffeezilla: "No, no. They have real profits. They have real cash flows." Walton: "The profits are the assets that are protected on their balance sheet." Coffeezilla: "People are paying for products." Walton: "What's the product?"

TFTC

86,833 Aufrufe • vor 4 Monaten

American is outraged that she has to spend $6,000 on healthcare costs for her deductible before her insurance pays anything, despite paying every month for full health insurance This is a scam “I'm sorry. What's the point of health insurance if you have to pay full price until you meet a deductible? My deductible is $6,000. I have to spend $6,000 in medical expenses before everything is taken care of. And there's no co pays, but yet I pay for that insurance. I pay $350 a month for that insurance” “What? I'm sorry. Make that make sense. That makes absolutely no sense in my head. I have to pay full price for all medical expenses, which every year I'm not going to spend. $6,000.”
0:55

American is outraged that she has to spend $6,000 on healthcare costs for her deductible before her insurance pays anything, despite paying every month for full health insurance This is a scam “I'm sorry. What's the point of health insurance if you have to pay full price until you meet a deductible? My deductible is $6,000. I have to spend $6,000 in medical expenses before everything is taken care of. And there's no co pays, but yet I pay for that insurance. I pay $350 a month for that insurance” “What? I'm sorry. Make that make sense. That makes absolutely no sense in my head. I have to pay full price for all medical expenses, which every year I'm not going to spend. $6,000.”

Wall Street Apes

1,964,739 Aufrufe • vor 1 Jahr

.Secretary Kennedy: “Now we have 80% of the insurance industry that has agreed to eliminate prior authorization in almost all of their procedures…When you go to your doctor at your point of care, before you leave that office you will know whether the insurance company is going to pay for the procedure or not.”
0:24

.Secretary Kennedy: “Now we have 80% of the insurance industry that has agreed to eliminate prior authorization in almost all of their procedures…When you go to your doctor at your point of care, before you leave that office you will know whether the insurance company is going to pay for the procedure or not.”

HHS Rapid Response

55,976 Aufrufe • vor 7 Monaten

American has a health insurance plan with UnitedHealthcare His wife needed surgery to remove her gallbladder - Surgery cost was $15,000 - Overnight stay was $12,000 - Insurance paid $900, he must pay the rest His son needed an ear surgery, the cost of the surgery was going to be $11,000 with insurance. The cash price for the surgery was $6,000 “The cash price is like half of what it is if you run it through insurance” So he tried to not use his insurance and pay the cash price, this is what happened “I was going to do for my wife's surgery. I was gonna say, we're just not even using insurance. We'll just cancel it. And I'll just pay the self-pay price. Turns out you can't do that because the hospital will sue you if they find out you have health insurance because they make more money if they charge your health insurance.” This is a scam He says he’s not paying the bill because it’s a scam, “We're wanting to try to soon, try to save up money for that so we can have another kid. People wonder why the birth rate is so low, which honestly, I'm not going to pay any of this bill either. Like, what do got to do? Take me to jail?” “Number one cause for bankruptcy is medical debt. Why is it that it is just okay if in this country to extract wealth from people that don't have any? But if you're a billionaire, you don't even have to pay taxes.Because that's all any of this is. It's all a scam. It's all designed to screw you over and take your money. The people that have no money, they want to take more of your money and give it to the millionaires and the billionaires. Well, you get screwed. You get stuck with bankruptcy and your kids have no future.”
7:40

American has a health insurance plan with UnitedHealthcare His wife needed surgery to remove her gallbladder - Surgery cost was $15,000 - Overnight stay was $12,000 - Insurance paid $900, he must pay the rest His son needed an ear surgery, the cost of the surgery was going to be $11,000 with insurance. The cash price for the surgery was $6,000 “The cash price is like half of what it is if you run it through insurance” So he tried to not use his insurance and pay the cash price, this is what happened “I was going to do for my wife's surgery. I was gonna say, we're just not even using insurance. We'll just cancel it. And I'll just pay the self-pay price. Turns out you can't do that because the hospital will sue you if they find out you have health insurance because they make more money if they charge your health insurance.” This is a scam He says he’s not paying the bill because it’s a scam, “We're wanting to try to soon, try to save up money for that so we can have another kid. People wonder why the birth rate is so low, which honestly, I'm not going to pay any of this bill either. Like, what do got to do? Take me to jail?” “Number one cause for bankruptcy is medical debt. Why is it that it is just okay if in this country to extract wealth from people that don't have any? But if you're a billionaire, you don't even have to pay taxes.Because that's all any of this is. It's all a scam. It's all designed to screw you over and take your money. The people that have no money, they want to take more of your money and give it to the millionaires and the billionaires. Well, you get screwed. You get stuck with bankruptcy and your kids have no future.”

Wall Street Apes

325,933 Aufrufe • vor 1 Jahr

Suozzi: "In my district, if you make $130,000 and you're a family of 4, you now pay 8.5% of your income for health insurance -- $10,000 to $11,000 a year. That's gonna go up to $30,000 a year, which means your premium is going to increase $1,500 a month. That's crazy. People are not gonna buy the insurance. When you get people losing their insurance, you reduce the size of the pool and that causes everybody's insurance to go up. So it's really awful."
0:48

Suozzi: "In my district, if you make $130,000 and you're a family of 4, you now pay 8.5% of your income for health insurance -- $10,000 to $11,000 a year. That's gonna go up to $30,000 a year, which means your premium is going to increase $1,500 a month. That's crazy. People are not gonna buy the insurance. When you get people losing their insurance, you reduce the size of the pool and that causes everybody's insurance to go up. So it's really awful."

Aaron Rupar

432,548 Aufrufe • vor 9 Monaten

Greasy Gavin Newsom is bragging about giving healthcare to illegal immigrants - Jesse Watters says it might play well with uber lefties but will end up keeping him out of the White House “You are right that in the primary this is a winner, but in the general, you get SLAUGHTERED because 62% of the American people do not want healthcare for illegal aliens. 71% of independents do not want healthcare for illegal aliens… You can’t say for people that are struggling to pay their own health insurance, that you have to pay for a foreigner’s health insurance.”
1:09

Greasy Gavin Newsom is bragging about giving healthcare to illegal immigrants - Jesse Watters says it might play well with uber lefties but will end up keeping him out of the White House “You are right that in the primary this is a winner, but in the general, you get SLAUGHTERED because 62% of the American people do not want healthcare for illegal aliens. 71% of independents do not want healthcare for illegal aliens… You can’t say for people that are struggling to pay their own health insurance, that you have to pay for a foreigner’s health insurance.”

The Five

53,616 Aufrufe • vor 9 Monaten

This woman’s son has a cavity and needs a filling “I was quoted with insurance, $1,900” Just to see what the cash price would be she called a dentist and asked for the price without insurance Cash price is “Up to $250” but with insurance it’s $1,900 “Everything is a fraud — make it make sense” This is a very common issue in America. You can see 80%+ discounts for not having insurance But if you have insurance they can’t give you the cash price because insurance companies will actually drop the office from being in their network if they do This is a racket. It’s organized extortion We all know it’s happening but our elected officials aren’t stopping it
0:27

This woman’s son has a cavity and needs a filling “I was quoted with insurance, $1,900” Just to see what the cash price would be she called a dentist and asked for the price without insurance Cash price is “Up to $250” but with insurance it’s $1,900 “Everything is a fraud — make it make sense” This is a very common issue in America. You can see 80%+ discounts for not having insurance But if you have insurance they can’t give you the cash price because insurance companies will actually drop the office from being in their network if they do This is a racket. It’s organized extortion We all know it’s happening but our elected officials aren’t stopping it

Wall Street Apes

142,088 Aufrufe • vor 4 Monaten

.President Donald J. Trump: "What I'd like to see is that the money is paid not to the insurance companies but directly to the people into a healthcare savings account, and the people buy their own health care. The Democrats don't like that because they're owned by the insurance companies."
0:55

.President Donald J. Trump: "What I'd like to see is that the money is paid not to the insurance companies but directly to the people into a healthcare savings account, and the people buy their own health care. The Democrats don't like that because they're owned by the insurance companies."

Rapid Response 47

94,534 Aufrufe • vor 8 Monaten

American is a healthy 28 year old, he decided to skip paying for health insurance this year because the cheapest plan was $900 per month with a high deductible He had to spend 2 nights in the ER without insurance, he breaks down the bill “This is my receipt from spending 2 days in the hospital: - It totaled about $24,000 - My CT scan alone was $8,300 - Laboratory, 6,000 - IV therapy, $1,020, $4,000 in total And while $24,000 seems like a lot of money, let me show you something. This is what I'm actually paying, $2,478 because when you don't have insurance, these hospitals give you a discount. They discounted $22,000 off of this bill” “But if I had insurance, I wouldn't have gotten that discount. So it would've been a $24,000 bill billed to my insurance, and then my insurance would've said, ‘Hey, you have a $5,000 deductible. You need to pay $5,000 for this last emergency room visit.’ Then you tack on the $900 a month that I'd be paying for that insurance. I'd be paying $20K this year for healthcare. So the craziest part about this is even if I have another hospital visit, by the end of this year, I'm still gonna be paying less than I would if I had insurance. At minimum, my cost for healthcare this year would've been $20,000 with insurance. Right now I'm at $2,400.” US Health Insurance is a scam
2:10

American is a healthy 28 year old, he decided to skip paying for health insurance this year because the cheapest plan was $900 per month with a high deductible He had to spend 2 nights in the ER without insurance, he breaks down the bill “This is my receipt from spending 2 days in the hospital: - It totaled about $24,000 - My CT scan alone was $8,300 - Laboratory, 6,000 - IV therapy, $1,020, $4,000 in total And while $24,000 seems like a lot of money, let me show you something. This is what I'm actually paying, $2,478 because when you don't have insurance, these hospitals give you a discount. They discounted $22,000 off of this bill” “But if I had insurance, I wouldn't have gotten that discount. So it would've been a $24,000 bill billed to my insurance, and then my insurance would've said, ‘Hey, you have a $5,000 deductible. You need to pay $5,000 for this last emergency room visit.’ Then you tack on the $900 a month that I'd be paying for that insurance. I'd be paying $20K this year for healthcare. So the craziest part about this is even if I have another hospital visit, by the end of this year, I'm still gonna be paying less than I would if I had insurance. At minimum, my cost for healthcare this year would've been $20,000 with insurance. Right now I'm at $2,400.” US Health Insurance is a scam

Wall Street Apes

5,465,580 Aufrufe • vor 6 Monaten

American is crying, she is devastated and losing her home to a fire She called her insurance and just wanted to rebuild the exact same home, no changes She can’t, because the value of her home has gone up, her insurance will only cover what it was worth years ago Now she has to sell off the lot to try and pay off her remaining mortgage and her family will have nothing When getting homeowners insurance what they don’t tell you is you need to make sure your homeowners insurance has ‘100% replacement cost,’ or ‘guaranteed replacement cost.’ Insurance in America is a scam, they do everything possible to not pay out
2:07

American is crying, she is devastated and losing her home to a fire She called her insurance and just wanted to rebuild the exact same home, no changes She can’t, because the value of her home has gone up, her insurance will only cover what it was worth years ago Now she has to sell off the lot to try and pay off her remaining mortgage and her family will have nothing When getting homeowners insurance what they don’t tell you is you need to make sure your homeowners insurance has ‘100% replacement cost,’ or ‘guaranteed replacement cost.’ Insurance in America is a scam, they do everything possible to not pay out

Wall Street Apes

2,378,532 Aufrufe • vor 9 Monaten

Here is a short compilation I put together of car accidents caused by Haitian drivers in Springfield, Ohio. Every resident I’ve talked to is scared of driving, and they are dealing with increased insurance rates due to unlicensed and uninsured Haitian drivers causing multiple accidents on a daily basis. There’s no punishment taking place for Haitians driving without insurance, but if an American citizen does it they can have their license suspended. It’s illegal in Ohio to drive a vehicle without car insurance.
2:31

Here is a short compilation I put together of car accidents caused by Haitian drivers in Springfield, Ohio. Every resident I’ve talked to is scared of driving, and they are dealing with increased insurance rates due to unlicensed and uninsured Haitian drivers causing multiple accidents on a daily basis. There’s no punishment taking place for Haitians driving without insurance, but if an American citizen does it they can have their license suspended. It’s illegal in Ohio to drive a vehicle without car insurance.

Tayler Hansen

1,249,419 Aufrufe • vor 2 Jahren

A woman backed into an older American’s mustang You see these little dents? The woman had USAA insurance and they are totaling his car because of these small dents He has no option to keep the car, an auto shop told him these dents could be easily repaired but the insurance company says no, he can’t keep the car The insurance company is taking his car This is a scam The reason this happened is because let say your car is worth $3,000 and an accident happens. If the repair is $3,000, the insurance company will likely just total your car Insurance companies prefer this because it’s cheaper for them to pay you the Actual Cash Value, minus your deductible, and sell the wrecked car for parts and scrap But now you don’t have a car and just take the check that’s likely below what you need to buy a similar car
0:33

A woman backed into an older American’s mustang You see these little dents? The woman had USAA insurance and they are totaling his car because of these small dents He has no option to keep the car, an auto shop told him these dents could be easily repaired but the insurance company says no, he can’t keep the car The insurance company is taking his car This is a scam The reason this happened is because let say your car is worth $3,000 and an accident happens. If the repair is $3,000, the insurance company will likely just total your car Insurance companies prefer this because it’s cheaper for them to pay you the Actual Cash Value, minus your deductible, and sell the wrecked car for parts and scrap But now you don’t have a car and just take the check that’s likely below what you need to buy a similar car

Wall Street Apes

710,928 Aufrufe • vor 4 Monaten

ULIP sales have gone up quite a bit over the last year. I'm guessing most ULIPs are sold by banks because of the high commissions on these products. While ULIPs promise the best of both worlds, that is, both investments and insurance, the reality is that they offer the worst of both worlds. They have high commissions, and most importantly, the insurance cover you get is not enough. You are better off separating insurance and investments by investing in direct mutual funds and buying a term insurance policy. This is much cheaper as well. If someone ever pitches you an ULIP, this Zero1 video explains why it is a bad idea. By the way, many people don't even realize they have a ULIP or some other terrible insurance product. If you want some help, you can try booking a free call with Ditto Insurance
13:19

ULIP sales have gone up quite a bit over the last year. I'm guessing most ULIPs are sold by banks because of the high commissions on these products. While ULIPs promise the best of both worlds, that is, both investments and insurance, the reality is that they offer the worst of both worlds. They have high commissions, and most importantly, the insurance cover you get is not enough. You are better off separating insurance and investments by investing in direct mutual funds and buying a term insurance policy. This is much cheaper as well. If someone ever pitches you an ULIP, this Zero1 video explains why it is a bad idea. By the way, many people don't even realize they have a ULIP or some other terrible insurance product. If you want some help, you can try booking a free call with Ditto Insurance

Nithin Kamath

193,307 Aufrufe • vor 2 Jahren