I watched Er Chuang’s short video, and everything went numb!

[In fact, these uninsured people are not the worst off, because they were rejected because they did not meet the conditions, but they are still healthy after all. ]

[The most unlucky ones are those who are seriously ill and lying in bed and urgently need surgery. ]

[That's right, the insurance company dares to cheat even these people's money. ]

[This doctor named Linda is a medical observer of Humana Insurance Company. She decides whether to approve the money for treatment for the client. ]

[According to her revelations, many medical insurance companies will set a 10% refusal rate. ]

[That is to say, at least 10% of commercial medical insurance participants in the United States will be refused compensation by insurance companies for unfounded reasons even if they pay a huge premium. ]

[And the higher the refusal rate of medical observers, the better the performance, and at a certain level, there will be bonuses, because he saves money for the company. 】

【In 1996, Linda admitted at a congressional hearing that she had rejected a patient's surgery application, saving the company $500,000. As a result, the patient died, but she was not only fine, but was also quickly promoted to medical director, with an annual salary increase of 6 times. 】

【Later, this old sister could not stand the beating of conscience and resigned. 】

The barrage flew out:

"No matter what, there must be 10% of people who don't want to pay, right? With those who don't get sick and don't need to pay, the insurance company will definitely make a profit."

"Reply--That's right, the insurance company has settled its accounts long ago, and will never do a loss-making business."

"Reply--Not only will it not lose money, it will make a lot of money."

"Reply--If you don't get sick during the insurance period, you don't have to pay, and you get the premium for free; if you get sick during the insurance period, you refuse to pay, and you still get the premium for free. You make money anyway!"

"..."

The plane of Taizu of the Ming Dynasty.

Zhu Yuanzhang snorted:

"What a profiteer!"

Seeing this, he now roughly understood what these so-called insurance companies in the Eagle Sauce Country do.

The common people first pay a little money to these insurance companies to buy the so-called medical insurance. If they get sick within a certain period of time, these insurance companies will pay a lot of medical expenses to the insured people.

If you don't get sick within this time limit, the insurance company will take the money paid by the people for nothing.

And these insurance companies still refuse to pay money when the people who bought medical insurance are already sick, which is undoubtedly a dishonesty.

To put it more seriously, it is fraud.

In Zhu Yuanzhang's eyes, such companies are of course profiteers.

"These insurance companies are so reckless, aren't they afraid of being punished by the state?"

Zhu Yuanzhang had a question in his mind.

In the Ming Dynasty, according to the law, if a business has such fraudulent behavior, it will be convicted of theft.

The punishment is extremely severe.

So, Zhu Yuanzhang is very curious, how will the Eagle Sauce government deal with such fraudulent behavior of insurance companies?

……

[There isPeople may ask, if the insurance company says it won’t pay, then it won’t pay? Is there any law? 】

[There is a law, but it is too easy to find an excuse. 】

[For example, someone had a car accident before and was paralyzed and wanted compensation, but the insurance company said no, you hid your illness, you are allergic to ketchup. 】

[But ketchup allergy has nothing to do with car accidents. 】

[And the insurance company said, why didn’t you tell me before buying insurance, this is a hidden illness and cannot be compensated. 】

[There are also "no approval before calling an ambulance", "using unpromoted treatment technology", "congenital problems", etc., which are the insurance companies' consistent rejection slogans. 】

The barrage flew out:

"Amazing! Really amazing!"

"This is the basic operation of the insurance company."

"..."

After watching the operations of the insurance companies in the United States, many ancient people in the past dynasties could not help but wonder:

"If this is the case, what is the point of buying this commercial medical insurance? It is better not to buy it?"

The plane of Emperor Chengzu of the Ming Dynasty.

Zhu Di felt that these insurance companies would definitely pay out some money.

Otherwise, everyone knew that they would not get compensation, and no one would buy insurance.

……

[In fact, the commercial insurance companies in the United States have a group of people who specialize in this kind of dirty work. ]

[After the customer filed a claim, they immediately checked the other person's household registration book, found various problems, and then used this as an excuse to cancel the insurance policy. ]

[The people in the camera are all cancer or tumor patients, but the insurance company refused to pay, and they could only wait to die. 】

[Just think about it, for the sake of profit, these for-profit private insurance companies will definitely do this, it's just a matter of how much. 】

[Seeing this, do you think that insurance companies are the most hateful culprits? 】

[Then you are wrong. In fact, private hospitals in the United States are actually accomplices of insurance companies in strangling the poor. 】

[They have joined forces with insurance companies, colluded with each other, deliberately raised the medical list, and frantically grabbed the income of ordinary people in the United States. 】

[For example, for the same CT scan, the cost of purchasing commercial insurance is $1,000, and medical insurance reimburses 80%, and the individual only needs to pay $200. But if this person is an uninsured person, he only needs to spend $120 for a CT scan. 】

[Afterwards, the insurance company and the hospital will work together to divide the cost. 】

The barrage flew out:

"Good fellow, "After the matter is done, the money of the local tyrants will be returned in full, and the money of the poor will be divided into 30% and 70%〃〃〃〃", is this what you mean?"

"No way, the system advantage of the Eagle Sauce Country, the government cannot interfere with medical pricing."

"There is also information asymmetry. Ordinary people do not have professional medical knowledge. When they are treated, they can only let the doctor arrange it."

"..."

Many ancient people in the dynasties were directly shocked.

They really didn't expect that in the Eagle Sauce Country,There is such an operation.

It is so black-hearted!

It is already miserable for ordinary people to get sick, but they did not expect to be exploited by these private hospitals and insurance companies. It is really miserable.

The plane of Taizu of the Ming Dynasty.

Zhu Yuanzhang felt more and more that Zhu Biao's proposal was right.

The court must set the price of commonly used medicinal materials to prevent those profit-driven medical shops from charging the people high prices.

……

[What will happen when the patient has no medical insurance or can no longer afford the medical expenses? ]

[That is the example we saw at the beginning of the video. The hospital will throw away the patients directly and let them fend for themselves. One hospital once threw away 50 patients. ]

[This is the truth about how it is free to treat diseases in the United States. 】

The bullet screen flew out:

"I have seen similar plots in SpongeBob SquarePants, but I didn't expect it to be true."

"Reply-As we all know, SpongeBob SquarePants is a documentary."

"..."

The Great Tang Taizong plane.

Li Shimin looked at the video of the hospital in the United States throwing patients into the giant screen, and a trace of anger flashed in his eyes.

These hospitals in the United States are really excessive.

There is no kindness at all.

……

[Some people may say that these are all individual cases, which are the deviation of the unlucky people and cannot restore the true face of the medical insurance in the United States. 】

[Then, let's examine the core problem of the medical system in the United States from a macro perspective. 】

[That is, the cost is outrageous, but the efficiency is extremely low. 】

[We have said before that the medical expenditure in the United States is the highest in the world. 】

[In addition, the per capita medical expenditure of the United States has long been the highest in the world. According to the data of the OECD in 2019, the per capita medical expenditure of the United States is US$11,072, far ahead of the second place Swiss with US$7,732. 】

[But in return, the average life expectancy of the United States is only 77.28 years, ranking 54th in the world, the lowest among all developed countries. The neonatal mortality rate is 5‰, which is the same level as countries such as Uruguay, and it is at the bottom among OECD countries. 】

[Why did such a large investment result in such a poor result? 】

……

Many ancient people in all dynasties were also curious about this issue.

It stands to reason that the United States has invested so much money, but why has it not achieved good results? Where did the money go?

The ancients were more focused on the high-altitude giant screen.

……

[In fact, the answer is very simple. Most of this money is not used effectively. ]

[Each year, the United States wastes as much as 760 billion to 935 billion US dollars due to ineffective medical treatment, accounting for 1/4 of the total medical budget, which is higher than the military expenditure of the United States. ]

[At the same time, the medical administrative expenditure of the United States is also the highest in the world. For example, in 2012, the per capita expenditure of the United States wasMedical administrative expenses are $11,980, more than 10 times that of the Maple Leaf Country, accounting for 1/3 of total medical expenses. ]

[Some scholars have found that if the Eagle Sauce Country adopts the same medical system as the Maple Leaf Country, it can save $970 billion in administrative expenses each year. ]

[For this reason, although the Eagle Sauce Country has the highest medical financial expenditure in the world, very little is actually spent on the people, and the medical system has even become a "gold-eating beast" that devours social resources. ]

[Economist Henry Aaron calls the Eagle Sauce Country medical system: a "strange mixture" formed by countless payers and payment systems that do not consider social welfare. ]

……

The plane of Taizu of the Great Ming Dynasty.

Zhu Yuanzhang sounds a bit like a problem of redundant officials and redundant staff.

It means that so many people are supported in vain, but there are not many people who work properly.

Even.

Zhu Yuanzhang also suspected that there must be a lot of corruption, and a lot of money must have been embezzled.

……

[Some people are curious, since the Eagle Sauce country's medical system is in chaos and constantly criticized, why doesn't the Eagle Sauce government want to solve it? ]

……

Many ancient people in the past dynasties were also curious.

So much money is wasted every year, doesn't the Eagle Sauce government feel any pain?

And even outsiders know that there are problems with the Eagle Sauce country's medical system, and the Eagle Sauce government cannot be unaware of it.

Why hasn't it tried to solve it?

……

[In fact, the Eagle Sauce government has always wanted to establish a universal health care system. ]

[From President Roosevelt a hundred years ago to the time when Roosevelt Jr., Truman, and Kennedy were in power, the government has always proposed to learn from Europe and establish a universal health care system, but they were all rejected by Congress. ]

[And most people don't support it. 】

……

“Ah? Why is that?”

Many ancient people in the past dynasties were a little confused.

They didn’t understand that the current medical system in the United States was obviously problematic and was very bad for the people of the United States.

Why don’t most people in the United States support the change?

……

[Because the people of the United States generally believe in commercial competition and believe that the market is more efficient. 】

[They believe that private commercial companies will provide more cost-effective medical services, but the results are obviously completely different from what they thought before. 】

[The market and competition they believe in have failed. 】

……

The Great Qin Plane.

Qin Shihuang’s eyes were full of thought.

After learning a lot of relevant information from many previous videos, he understood the logic of these people of the United States.

That is, many hospitals compete with each other. In order to compete for customers, they will definitely compete on price, service, etc.

But in fact, this is not necessarily the case.

For example, in the previous example of the Pampas, the president of the Pampas also had this idea.The result is a mess.

Therefore, it is not surprising that the same thing happened in the medical field in the United States.

……

[The mastermind behind the scenes is the medical insurance interest groups in the United States. They have formed a monopoly and colluded with political elites to squeeze out huge amounts of national wealth. ]

[During the 13 years of Roosevelt's administration, the government made a total of three efforts to establish universal health insurance, but all failed. ]

[Every time a proposal was made, these medical insurance interest groups desperately opposed it. ]

[In order to resist universal health insurance, the medical insurance interest groups used various tricks. ]

[The first is to find allies, such as they joined the United States Bar Association to fight back against the universal health insurance proposal through legal means. ]

[The second is to set up various public relations companies, spend a lot of money on posters and advertisements, and use the media to desperately promote the harm of universal health insurance to the public. ]

[This trick has been used to this day. 】

[For example, in 1993, Clinton wanted to implement universal health insurance, but the medical insurance interest group went all out. 】

[They spent a lot of money on media propaganda, saying, "Do you want the government to control your health insurance? Do you want to lose the right to choose a doctor? When your mother is sick, you are no longer facing a doctor, but an official?" 】

...

The plane of Emperor Shenzong of the Song Dynasty.

Wang Anshi sighed in his heart.

It was not because of the Eagle Sauce Country on the giant screen in front of him.

The life and death of the Eagle Sauce people had nothing to do with him, and he didn't care.

The reason why he sighed was because he thought of the reform he presided over.

Those forces that opposed the reform also used various means frequently and did everything they could.

After a little sigh, Wang Anshi thought again in his heart.

Is there anything we can learn from the methods of the medical insurance interest group in the Eagle Sauce Country?

Especially the second method, the idea is equivalent to manipulating public opinion.

Although those specific methods cannot be used, Wang Anshi thinks this idea can be used as a reference.

……

[But the biggest killer of the medical insurance interest group, which is also the routine operation of the interest group, is to spend money to support agents in the government. ]

[The financial offensive of various medical associations is quite fierce. ]

[From 1998 to 2002, among the organizations with the highest lobbying expenses, 4 of the top 10 were from the medical system. If divided by industry, the medical and insurance industries became the first. ]

[In the United States, medical insurance interest groups use the profits they earn as political donations to lobby for medical legislation and related policies to be in line with their own interests, so as to obtain higher profits. This has formed a closed loop that is difficult to shake. ]

……

The plane of Emperor Chengzu of the Ming Dynasty.

Zhu Di was not surprised at all.

When he heard that private non-profit hospitals were keen on campaign donations, he had already guessed it.

This is the government of the United States that wants to cooperate with the United States.Officials collude.

Only if you have someone in the court can you influence the government's decision-making and strive for the government's policies to be beneficial to your side.

For example, hindering the implementation of universal health insurance.

However.

Seeing this.

A question that Zhu Di had previously had reappeared in his mind.

Isn't this kind of campaign donation considered as bribery by officials?

He thinks it is, but it seems that in the United States, government officials are not taboo about this.

Even the presidential candidates of the United States will accept campaign donations.

This makes Zhu Di feel a little strange.

……

[Perhaps some people will ask, why do you always talk about interest groups when talking about the United States? ]

[Are the political elites of the United States all fools? Can they let others manipulate them like this? ]

[You don't know anything except conspiracy theories. ]

[Fellow villagers, it's really not that I am mentally dark. 】

【Rather, it is the various interest groups in the United States, such as the military-industrial complex, financial groups, energy groups, etc. that you may have heard of. Oh, and the medical insurance interest group we talked about today is itself an important part of the political system of the United States. 】

【The rules of the game were originally set in this way, that is, to let them participate in political decision-making and let them compete with each other. 】

The barrage flew out:

"¨「 ¨「 The military-industrial complex is the strongest now, right?"

"Reply-Isn't it the medical insurance group? Medical expenses are several times the military expenses."

"..."

Looking at the giant screen in the sky.

The emperors of all dynasties were directly shocked.

The so-called competition among various interest groups, in their view, is not equivalent to the party struggle in the court?

Does the political system of the United States encourage party struggles?

The emperors found it very strange.

Does the United States think that party struggles in the government are a good thing? Beg.