Make sure health insurance covers these 4 things - Cover these points...

Uploaded: 2025-04-25T15:50:02.000Z
Duration: PT59.374S
Channel: 𝙄𝙣𝙗𝙖 𝐌𝐫 𝙃𝙪𝙢𝙖𝙣𝙞𝙨𝙩

6:17

One of the most basic steps in personal finance is making sure you and your family have adequate health insurance. This is especially important for parents, many of whom bought policies years ago and have kept renewing them even as hospital costs have gone up significantly. Ditto Insurance has put together a simple checklist to help you review your parents’ health insurance and figure out whether the cover they have today is actually adequate. It covers the key things to look for in a policy, the clauses that can hurt during a claim, and when it may make sense to upgrade or switch.

Nithin Kamath

57,377 views • 10 days ago

1:50

Hey Guys! 😊 Im starring in Clafiya first promo video! 🥳 Today, I’m proud to introduce a reimagined Clafiya—a new way to access health & wellness that puts you at the center of your healthcare journey: Health Savings Accounts (HSAs). We are still very much the company that launched in 2021 with a mission to bring healthcare closer to you. But with high out-of-pocket spending being the #1 barrier to accessing quality care, we knew we had to take things up a notch. Our HSAs remove financial barriers by giving you a flexible, personalized way to manage your healthcare expenses—all in one place. 💡 With Clafiya’s HSAs, you can: ✅ Save for your health & wellness ✅ Earn 10% interest on your savings ✅ Pay for care seamlessly ✅ Access discounts from 3,000+ health & wellness partners across Nigeria—including hospitals, medications, gyms, spas, mental health, skincare, micro health insurance, and more. I know firsthand what it’s like to be unprepared for a health emergency or unable to access care due to cost or poor insurance coverage. With Clafiya, my hope is that we now have control over our health & wellness—on our own terms. It’s time to take charge of our health and financial future. 💚🚀

Jennie N

27,379 views • 1 year ago

1:01

Don’t buy health insurance policy unless you have these three add-ons: 1️⃣ Non-Consumable Cover During hospitalization, there are several medical items like gloves, syringes, masks, and disinfectants that aren’t typically covered under standard policies. These are called non-consumables. They can add up to 10-15% of your total bill, which you’ll have to pay out-of-pocket otherwise. 2️⃣ No Claim Bonus (NCB) Enhancer No Claim Bonus is a reward you receive for staying healthy and not raising any claims in a policy year. With an NCB, your sum insured increases each year without any premium hike. And with NCB Enhancer your NCB percentage increases thus increasing your sun insured. 3️⃣ Instant Cover Most health insurance policies come with a waiting period (30 days for general illnesses, 1-4 years for pre-existing conditions). With an Instant Cover add-on, you get immediate coverage without waiting. 🔍 Pro Tip: Always review your policy and choose add-ons that match your needs. Want us to review your policy? DM us now! [health insurance, top three add ons, how to select add on, health insurance add ons, insurance advisory, insurance expert] #healthinsurance #terminsurance #addons #insurance expert #insuranceadvisory #insurance #insuranceclaim #topthree #insurances #insurancepolicy #oneinsure

Mohini Maheshwari

44,527 views • 1 year ago

2:08

BREAKING: Karoline Leavitt just unveiled President Trumps GREAT Health Care Plan to lower costs and improve the system for all Americans through four key pillars. Pillar 1: Permanently LOWER prescription drug prices by codifying the Most Favored Nation initiative, ensuring Americans pay the same low prices as other countries, and making more verified drugs available over-the-counter. Pillar 2: STOP sending billions in taxpayer subsidies to big insurance companies. Instead, direct that money to eligible Americans to buy the health insurance of THEIR choice, while funding cost-sharing reductions and ending kickbacks from pharmacy benefit managers. Pillar 3: Maximize PRICE transparency by requiring health care providers and insurers accepting Medicare or Medicaid to publicly post pricing and fees, ending surprise medical bills. This is a bipartisan, popular policy Trump demands Congress pass. Pillar 4: Hold BIG insurance companies accountable by mandating upfront rate and coverage comparisons in plain English on their websites, empowering consumers to make the best decisions for their families. This is the most COMPREHENSIVE and bold agenda ever to slash health care costs. Congress must act NOW and pass Trump's plan into law!

Gunther Eagleman™

93,326 views • 7 months ago

2:06

Jaylen Brown says fasting “saved my life” and strengthened his mental health “Giving your body a chance. You spend so much time focusing on digesting and breaking down stuff. When there's nothing in your system, your body can use that energy to go through so many different things, like to heal yourself, to make yourself have a little bit more clarity, or just your body starts to function in different ways when you have the energy to do so” “How it's helped me in my craft is that it also pushes and challenges you. When you challenge your body by fasting and challenge your spirit, you also challenge your mental as well. It's your ability to persevere, your ability now to remain calm in adverse situations. I think fasting has helped me in that” “It's increased my mental health, and I've said it before, in a lot of ways it's really saved my life. We go through trauma. We all have issues and things that we deal with on this planet that have an effect on us because we're humans. The state of your mind, the state of your well-being, can determine how you go forward from those moments” “Being able to have strong mental health, being able to endure life's challenges, is a great skill set. I think fasting has helped me in that regard, developing that so that now when you reach these moments of adversity, these moments of anxiety, of angst, depression, that you're able to persevere because you've practiced it” “If your body can go without water and food, your body can go without a lot of these other things, distractions, stress, and whatever is causing you depression, whatever is causing your lack of mental health. Actively challenge yourself because that's where growth happens, not from comfort”

dank

257,843 views • 1 month ago

4:43

American healthcare worker tries to get a prescription approved for a patient who needs autoimmune medication The insurance company forced the prescription to go to their pharmacy and then has been denying it for 3 months, the patient desperately needs the medication “It doesn't require prior authorization, feedback that you agree or disagree with the physician's order. What do you need clearance for? The doctor sent a prescription. Isn't that clearance? That makes absolutely no sense to me — if you're gonna mandate the patient to your pharmacy, you needed to care for him. Three months is doing the exact opposite.” “You do realize this guy has an autoimmune disease and without us helping manage it, his joints are eroding and we're having to increase the steroid exposure. This man's health is being played with for no reason — this patient's been without care for months”

Wall Street Apes

61,798 views • 1 year ago

2:12

You may have missed this news recently - the health insurance system in America is so broken, that the Trump administration is quietly rewriting the Affordable Care Act and buried deep in a monstrous 1,000+ page document is a ploy to let health insurance companies start lending money to patients to pay for their medical care. That's right: if you get hit with a devastating diagnosis or an unexpected emergency, your "insurance" company won't just pay the bill... they'll offer you a loan instead. So you can go deeper into debt to the very same industry that's already failing you. Let me say that again. You pay health insurance so that you'll be insured in a time of a health crisis. Already, health insurers are denying nearly 20% of claims and out of pocket expenses keep rising. So instead of them paying your bill, which is what you pay the insurance for, they'll now be incentivized to deny even more bills or raise out of pocket expenses in order to cash in on the interest they'll be collecting. A third of American households are already drowning in medical debt — and now insurers get to pile on even more, with interest. While these companies rake in billions in profits, everyday people will be trapped paying back loans for the care they thought was "covered." This isn't fixing healthcare. This is turning your health insurer into your loan shark — and making an already predatory, dysfunctional system even more financially crushing for ordinary Americans. Classic "you get sick, you go broke" American healthcare — now with extra debt servitude. On the plus side, there is a company that is providing a solution to this problem. CrowdHealth, a member focused health care company is saving Americans tens of thousands of dollars, and in May of this year 100% of medical bills were funded. No loans needed. No exorbitant premiums. No crazy out of pocket expenses. A model that is actually working, is not throwing Americans into bankruptcy because of an unexpected health event, is saving people money, and getting them the health care they need. Andy Schoonover from CrowdHealth joins us now to discuss.

The Vigilant Fox 🦊

118,259 views • 2 months ago

2:31

Morales: That’s why I’m no longer not alarmist. I have to make people realize—like I said in that clip during Hurricane Melissa’s coverage—that these extreme weather events are coming for your family, for your household, for your money, and for your property. You can’t even pay for insurance anymore, because guess what? Climate change has already come for you. It’s what’s driving up insurance prices, making coverage unattainable in some areas because of the increase in wildfires and the growing strength of hurricanes, and so on. So it’s really important that people understand this is real. I don’t care if you’re the most individualistic person on the planet—because you “lift yourself up by your bootstraps” and think government should stay out of your business and “don’t tread on me.” Well, you know what? Climate change is already treading on you, and you should care about this issue.

Acyn

98,166 views • 10 months ago

2:42

Americans are tired of seeing medication they need denied by insurance but watching transgender people get hundreds of thousands of dollars in nonessential surgeries covered for free by our tax dollars “I think that the entire concept of getting hundreds of thousands of dollars of cosmetic surgery, like non-essential surgery, covered by insurance, including universal American health insurance, is unfair. There is one prescription that I need that's a medical necessity that insurance won't even cover. For an actual disorder that I have with my body.” American woman also have a huge problem with gender affirming care being covered for transgender people but not biological women “I also think that gender-affirming care should be covered for women if it's going to be covered for transgender people. For example, if you're a woman and you feel like your body is too masculine, then you should also be able to get facial feminization surgeries or a breast augmentation, because that also might be affecting you mentally. Like, if you have a completely flat chest as a woman and you're shaped like a box, like I was when I was 18, I feel like it would be fair for you to, I don't know, get these surgeries” She’s right, transgenders get these surgeries 100% for free 15 states explicitly cover transgender breast augmentation, implants, under Medicaid But it gets worse Chest and genital procedures are covered more often than facial or other surgeries for transgenders but all are covered 27 states and DC have Medicaid policies that explicitly or protectively cover some gender-affirming care including surgeries We are paying for all of this

Wall Street Apes

42,991 views • 1 month ago

6:01

In furtherance of His Excellency President Bola Ahmed Tinubu, GCFR, Bola Ahmed Tinubu, Renewed Hope Agenda, and in line with our national commitment to achieving Universal Health Coverage (#UHC), I am pleased to provide an update on Nigeria’s progress in expanding access to quality and affordable health insurance. Out-of-pocket payments remain the dominant source of health care expenditure for most of our people, translating into higher costs and lower standards of accountability for providers. When the Federal Ministry of Health and Social Welfare Federal Ministry of Health, NIGERIA signed the Renewed Hope Ministerial Performance Monitoring Bond with its detailed key performance indicators, we set ambitious 2030 targets that are now within reach, one of which is national health insurance coverage. Under the leadership of Mr President, all macroeconomic reform and cross-sectoral policy direction are driven by one objective: ensuring that every Nigerian can actualize their aspirations while accessing affordable, quality care. This people-centred approach defines the comprehensive reforms now reshaping our health sector. As we modernize infrastructure across primary, secondary, and tertiary facilities in all local government areas, our record-breaking progress in national health insurance enrollment is aligning demand with Nigeria’s rapidly expanding supply of human resources and infrastructure. Nearly 120,000 health workers have been trained since 2023, and 2,500 doctors, nurses, midwives, and community health extension workers have been recruited to strengthen frontline services. Over the past 16 months, 4,000 health personnel have also been added in Federal Tertiary Hospitals to close workforce gaps. In 2024, Nigeria broke its enrollment record with more than 2.4m new people insured, bringing total coverage to about 20m Nigerians. With new policy tools in motion, we are on course to reach 44m by 2030. This is the surest path to reducing out-of-pocket expenditure, which still represents about 70% of total health spending. Social health insurance schemes now account for 90% of all enrollments nationwide. A major constraint in care quality has been the low capitation fee for enrollees. For years, the capitation stood at ₦750 per person. We have doubled it to ₦1,450 to ensure providers are properly equipped to deliver consistent, high-quality care. Fee-for-service rates have also been increased by 380%, based on actuarial evidence aligning cost-reflective rates with quality requirements. The Federal Government Government of Nigeria has also introduced the One Hour Referral Authorization Code, issued by the insuring entity to the provider to confirm referral approval. By shortening this process to 1 hour, we are eliminating unnecessary delays and ensuring that patients move quickly from primary to specialist care. To strengthen accountability, I have directed the National Health Insurance Authority NHIA NIGERIA to commence covert mystery shopping to monitor providers and ensure that enrollees are not denied treatment. Undercover monitors are already observing processes in facilities nationwide to ensure that insured Nigerians receive timely and dignified care. The evidence is clear. From fewer than 10m hospital visits in all of 2023, more than 46m visits were recorded by the second quarter of 2025. Reforms in the Basic Health Care Provision Fund Basic Health Care Provision Fund and the NHIA are delivering measurable gains in patient confidence and service utilization. As enrollment expands, benefits multiply. Wider adoption of health insurance enhances quality, strengthens accountability, and protects households from financial hardship. These achievements reflect President Tinubu’s vision of a health system that serves all Nigerians, regardless of income or status. We will continue to modernize infrastructure, strengthen the workforce, and sustain reforms until every Nigerian is covered and cared for. Thank you, and may God bless the Federal Republic of Nigeria.

Muhammad Ali Pate

32,186 views • 10 months ago

0:43

Cross: There is a deal on the table right now that Republicans can accept. They won't do that because they don't want to extend one year of subsidies to make sure that people have affordable health care. So you're going to have people who are deciding, do I spend $500 to go to a doctor, or do I buy groceries? And those same people are the people you guys are saying are living in a safety jacuzzi. And some of these people are your voters. More than half the people in the marketplace live in Republican congressional districts. A part of me feels like you're getting the government you voted for, but the human in me can see the humanity in these people, more so than I've seen other people be able to extend and say they don't deserve to be without health care.

Acyn

410,556 views • 10 months ago

1:42

🚨 BREAKING: In a historic first, President Trump takes action to SURGE affordable fertility insurance coverage to American mothers nationwide - a move that will combat declining birth rates "The result will be healthier pregnancies, healthier babies, and many more beautiful American children. It's a big factor. It's a big deal." "For the first time ever, we will make it LEGAL for companies to offer supplemental insurance plans specifically for fertility. That's never been done before." "I'm asking all employers to make these new fertility benefit options available to their employees immediately." "We are taking historic steps to vastly EXPAND access to insurance coverage for fertility care, including IVF - something that WAS NOT covered." "Americans will be able to opt in to specialized coverage...they're gonna get fertility insurance for the first time." "This will make all fertility care, including IVF, far more affordable and accessible. And by providing coverage at every step of the way, it will reduce the number of people who ultimately need to resort to IVF because couples will be able to identify and address problems early." "The initiatives I've just announced are the boldest and most significant actions ever taken by any president to bring the miracle of life into more American homes." This is a big deal. 🇺🇸

Eric Daugherty

35,240 views • 10 months ago

1:01

This is going to really blow your mind These are US Health Insurance Companies and the percentage of health plan revenue that comes from government programs, and their CEO’s salaries - Centene - 86% of health plan revenue from government programs - CVS/Aetna - 73% of health plan revenue from government programs - Cigna - 42% of health plan revenue from government programs - Elevance (Anthem) - 68% of health plan revenue from government programs - Humana - 91% of health plan revenue from government programs - Molina - 89% of health plan revenue from government programs - UnitedHealth - 72% of health plan revenue from government programs CEO TOTAL COMPENSATION Centene - Michael Neidorff - $20.6 million Cigna - David Cordani, $19.9 million CVS/Aetna - Karen Lynch - $20.4 million Elevance - Gail Boudreaux - $19.3 million Humana - Bruce Broussard - $16.5 million Molina - Joseph Zubretsky - $20.0 million UnitedHealth - Andrew Witty - $18.4 million “When you realize that these companies are just taxpayer funded government organizations, it changes how you view them. The rules change when that's the case.For example, we don't pay public administrators like this. That's taxpayer money. — Let's bring these salaries back in line. If they're going to subsist on government funds, they need to subsist on government salaries. These guys are given every advantage possible in our system and they deliver the most expensive care in the world. Let's cut some costs. Let's get DOGE back involved.” Again, YOU ARE PAYING FOR THIS

Wall Street Apes

108,026 views • 1 year ago

1:30

Ontario absolutely has the resources for world-class public health care. But health care in Ontario is anything but. I visited the Thessalon Hospital and heard from health care workers stretched to the breaking point: people getting sicker without family doctors, emergency rooms overwhelmed, staff burning out. These challenges are hitting northern and rural communities hardest—but they’re spreading across Ontario. When governments fail to invest in local capacity and download responsibility onto hospitals already stretched thin, patients pay the price. Doug Ford is accelerating the privatization of our health care by diverting billions to for-profit clinics. Funding private clinics diverts money from already stressed public hospitals. He’s paying private clinics more than double what hospitals get for the same surgeries—less value for every public dollar. Funding to for-profit clinics increased over 200% while public hospitals faced real cuts. He’s moving 50% of surgeries to private facilities. In eight years under Doug Ford, access to health care has become worse. Not better. And here’s what’s most important: Universal public health care is a Canadian value we cannot afford to lose. This past year reminded us what makes us Canadian—and what’s worth fighting for. The NDP brought public health care to this country and I will always fight to protect it. In the coming months, I’ll keep meeting with health care workers and bring their voices to Queen’s Park in the spring. With your support, we can win the next election and form an Ontario NDP government that delivers the world-class public health care system we all know is possible.

Marit Stiles

30,753 views • 8 months ago

3:24

Illinois own state Senator confirms illegals were provided health insurance Illinois Democrats all said this wasn’t happening 🚨 Illinois Democrats even passed a law specifically to give illegals healthcare, with complete “Total coverage” for free “The Democratic majority and the governor put into place a law that said we were going to provide free health care for undocumented citizens from age 42 on up that we were going to provide them free health care - At the time they said they anticipated about 10,000 residents would take advantage of this program - By the beginning of this year, the state said, well, we're wrong. That number is about 52,000 - Now this week, the state came out and said, we're wrong again. That number is now 120,000 undocumented are going to be receiving free health care at a cost of over $1.4 billion “Here in Illinois, we are now adding thousands a month as you have unhealthy and sick undocumented citizens from around the country, from frankly around the world that are coming to Illinois because the fact we're the only state that covers these individuals for total health care”

Wall Street Apes

471,872 views • 10 months ago

1:50

This is yet another instance of private health insurers going back on their commitments. Many middle-class citizens are increasingly turning to private health insurance providers as a critical lifeline for themselves and their families. These plans boast of a robust coverage and hassle-free claims, while charging customers exorbitant premiums. But when insurers fail to honour genuine claims, it leaves citizens vulnerable and puts a Question mark on the safety net of health insurance. As per information given by the IBAI (Insurance Brokers Association of India), the best performer in the Claims Paid Ratio (The total number of claims paid divided by the total number of Claims available for processing) was New India (Public Sector General Insurers) with 95.04%, followed by Aditya Birla Health (Standalone Health Insurer) at 94.52%. Other Large General Insurers such as IFFCO Tokio, Bajaj Allianz, SBI General have claims paid ratio of 91.70%, 90.29% and 88.86%. Other Standalone Health Insurers such as Niva Bupa, Manipal Cigna and Care Health have around 88% claims paid ratio. However, if one takes a look at the Claims Paid Ratio on the Amount of Claims (The Total amount of Claims paid divided by the Total amount of Claims available for processing), New India, Oriental Insurance, National Insurance - all public sector - have impressive ratio of 98.74%, 97.35% and 87.95%. The same for Standalone health insurers Aditya Birla Health, Niva Bupa, Manipal Cigna, Care Health and Star Health are all less than 71%. Similarly, the Health Claims Paid Ratio based on the amount for Small Private Sector General Insurers such as Liberty General, Acko, Zurich Kotak & Royal Sundaram reflect poorly. This is not to target anyone, but highlighting the need for better regulation and grievance redressal for the customers. After all, in the 2022-23 period, the health insurance sector issued 2.26 crore health insurance policies. And these policies provide coverage to an impressive 55 crore individuals. But not even one private insurance provider reported payment of more than 90% of the amount claimed and only 3 paid more than 80% of the amount claimed in 2022-23. During a Zero Hour discussion on December 4, 2024, I had raised the need for fair claim settlements for the citizens of the country relying on health insurance. I once again urge IRDAI to look into this issue and rein in such unethical practices. Ministry of Finance Ministry of Health

Tejasvi Surya

242,045 views • 1 year ago

1:27

Male inmates in Namibia’s correctional facilities are not provided with condoms, as authorities seek to discourage same-sex sexual activities, according to senior prison nurse Sylvia Kambunga. Kambunga, from the Walvis Bay Correctional Services health unit, explained that inmates found engaging in same-sex acts are placed in separate cells to prevent further incidents. She highlighted that access to proper healthcare remains one of the biggest challenges within the country’s correctional facilities, raising concerns about the well-being of inmates and the overall public health system. Kambunga acknowledged that prisons often struggle to provide comprehensive medical services due to overcrowding, limited resources, and logistical constraints. These conditions make it difficult to ensure inmates receive timely and adequate treatment for both chronic and emergency health conditions. She made these remarks during a Ministry of Health and Social Services stakeholder engagement meeting held in Swakopmund. The meeting aimed to address gaps and challenges in delivering comprehensive primary healthcare and community-based services, focusing on strengthening integrated and patient-centred healthcare across all primary service areas in the Erongo Region. Report: Stefan |Uirab #NBCNews #nbcdigitalnews #nbcDSTV282 #nbcGOtv20 #nbcPlusApp

NBC Digital News

13,409 views • 1 year ago

1:29

Secretary Kennedy: “If you are taking psychiatric medication, we’re not telling you to stop.” “We’re making sure that you and your clinician have the information and support to make the right decisions for you.” “That includes a safe, evidence based path to tapering and discontinuation when clinically appropriate.” Since I began speaking about my own experience with psych meds and the importance of slow, hyperbolic tapering, I have always said this is not about telling people to stop taking their medication. People have the right to make decisions for themselves based on their own needs, preferences, resources, and circumstances. Every situation is different. What matters most in this conversation is informed choice, most — if not all — of us have not been given what we need to make one, whether in regards to starting these medications or withdrawing from them. Without that information and support, “choice” is not fully a choice. These historic remarks from Secretary Kennedy mark a massive shift toward providing patients with the tools, guidance, and transparency they need to make truly informed decisions about their care.

Laura Delano

15,700 views • 3 months ago

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