1 00:00:00,200 --> 00:00:03,040 Speaker 1: I woke up in a hospital to a fifty five 2 00:00:03,160 --> 00:00:05,880 Speaker 1: thousand dollars bill. Now I'm broke, so I want to 3 00:00:05,920 --> 00:00:10,520 Speaker 1: get the money back by any means NECESSARYM the a hole. 4 00:00:10,800 --> 00:00:13,800 Speaker 2: I would say, any any money you can siphon out 5 00:00:13,840 --> 00:00:17,600 Speaker 2: of at least the American healthcare system, like freaking freaking 6 00:00:17,720 --> 00:00:20,560 Speaker 2: go for it, dude, Like do we'll steam. 7 00:00:20,280 --> 00:00:25,120 Speaker 1: Ahead health system? Oh dude, American healthcare system is bad, 8 00:00:25,239 --> 00:00:28,520 Speaker 1: bro very bad. I got charged over one thousand dollars 9 00:00:28,600 --> 00:00:30,680 Speaker 1: to remove like a tiny lump on my leg, just 10 00:00:30,720 --> 00:00:31,200 Speaker 1: like a little bit. 11 00:00:31,560 --> 00:00:31,840 Speaker 3: It was. 12 00:00:31,960 --> 00:00:34,080 Speaker 1: It was like ten minutes. Little did a little incision. 13 00:00:34,159 --> 00:00:36,280 Speaker 1: What didn't even do any testing on the lump, just 14 00:00:36,400 --> 00:00:37,680 Speaker 1: incision took it out. That's it? 15 00:00:37,800 --> 00:00:38,080 Speaker 3: Okay. 16 00:00:38,080 --> 00:00:39,800 Speaker 2: Maybe Now I was going to say maybe the actual 17 00:00:39,840 --> 00:00:42,400 Speaker 2: thing took like a sixty seconds, but let's say the 18 00:00:42,440 --> 00:00:44,600 Speaker 2: whole thing of like you walking down the hallway and 19 00:00:44,600 --> 00:00:47,640 Speaker 2: everything took ten minutes. I mean, I would like to 20 00:00:47,640 --> 00:00:49,440 Speaker 2: make a thousand dollars for a bit of work. I 21 00:00:49,479 --> 00:00:51,159 Speaker 2: don't know about you, Sam. 22 00:00:50,840 --> 00:00:54,040 Speaker 1: Dude insane. So I'm on, Jude, I should just skin 23 00:00:54,440 --> 00:00:57,280 Speaker 1: I should get my own anesthetic, get my own scalpel. 24 00:00:57,320 --> 00:01:00,920 Speaker 1: I'll do this myself. All like, ambo at, let me 25 00:01:00,960 --> 00:01:03,520 Speaker 1: do my own surgery, give me a sewing kit, dude. 26 00:01:03,600 --> 00:01:06,080 Speaker 2: All I'm gonna say is, if you've seen Extreme chief 27 00:01:06,120 --> 00:01:10,960 Speaker 2: skates on TLC, they do some they do some procedures 28 00:01:11,120 --> 00:01:13,399 Speaker 2: on their own, and it gets it gets a bit rough. 29 00:01:13,880 --> 00:01:15,240 Speaker 1: Yeah, seriously. 30 00:01:15,360 --> 00:01:19,480 Speaker 2: Extraction Yeah yeah, it's bad, real bad. 31 00:01:19,520 --> 00:01:23,440 Speaker 1: Oh that's like that feels like like some sauce. Dude, 32 00:01:23,520 --> 00:01:26,480 Speaker 1: any anything teeth like that's I don't. I don't, I don't. 33 00:01:26,520 --> 00:01:27,759 Speaker 1: I don't want to be caught up in that. 34 00:01:27,880 --> 00:01:30,640 Speaker 2: Literally, it was like like three thousand for you know, 35 00:01:30,680 --> 00:01:32,959 Speaker 2: the full like numbing agent. You know, you're like all 36 00:01:33,000 --> 00:01:34,880 Speaker 2: you know basically the best you know, you won't feel 37 00:01:34,880 --> 00:01:38,399 Speaker 2: anything taking out if they just pull it manually. I 38 00:01:38,400 --> 00:01:41,040 Speaker 2: think with some local anesthesia. It was like one hundred 39 00:01:41,040 --> 00:01:43,800 Speaker 2: and fifty bucks. And then she was like one hundred 40 00:01:43,800 --> 00:01:46,199 Speaker 2: and fifty two expensive. I'm gonna do it for ten 41 00:01:46,280 --> 00:01:47,160 Speaker 2: dollars at home. 42 00:01:47,640 --> 00:01:48,280 Speaker 3: It's bad. 43 00:01:48,600 --> 00:01:49,840 Speaker 1: Did they get anesthesia? 44 00:01:50,320 --> 00:01:53,720 Speaker 3: I don't. I don't think so. I don't think so. Yeah. 45 00:01:54,240 --> 00:01:54,520 Speaker 1: Wow. 46 00:01:55,600 --> 00:01:59,080 Speaker 2: And then and then she denied, like you know, the doctor, 47 00:01:59,120 --> 00:02:00,680 Speaker 2: you know, she's like, Okay, I'm not going to come 48 00:02:00,720 --> 00:02:03,640 Speaker 2: back for like another procedure She's like, could I have 49 00:02:03,720 --> 00:02:07,840 Speaker 2: your tongue depressors and cotton balls though? And he was like, no, 50 00:02:08,200 --> 00:02:11,240 Speaker 2: they belonged to me. She just asked doctors for their 51 00:02:11,680 --> 00:02:13,880 Speaker 2: every time she has to go to a doctor, she'd 52 00:02:13,919 --> 00:02:15,440 Speaker 2: always asked them for supplies. 53 00:02:15,639 --> 00:02:20,680 Speaker 1: Yeah, holy shit, that's so bad. So although so like, 54 00:02:20,800 --> 00:02:22,320 Speaker 1: I mean I would I don't think I would do 55 00:02:22,400 --> 00:02:25,959 Speaker 1: any of the real surgery, like like any mouse surgery, 56 00:02:25,960 --> 00:02:28,120 Speaker 1: I wouldn't do myself. But yeah, I feel like I 57 00:02:28,120 --> 00:02:29,760 Speaker 1: could take out like a lump in my leg. 58 00:02:30,080 --> 00:02:33,840 Speaker 3: Yeah. Yeah, Like is that simple? 59 00:02:34,200 --> 00:02:38,440 Speaker 2: Like Andrew Schultz famously said, uh, you could do heart 60 00:02:38,480 --> 00:02:41,880 Speaker 2: surgery just by watching a good YouTube video tutorial on it. 61 00:02:42,160 --> 00:02:44,639 Speaker 1: Yeah, I think I could. I could do surgery on myself. 62 00:02:44,639 --> 00:02:46,960 Speaker 1: Maybe I should try it? Yeah, has anyone else? Has 63 00:02:46,960 --> 00:02:48,920 Speaker 1: anyone done surgery on themselves? Let us know? 64 00:02:49,160 --> 00:02:51,960 Speaker 2: Oh, common below, common below if you can help help 65 00:02:52,040 --> 00:02:52,720 Speaker 2: guide Sam? 66 00:02:53,639 --> 00:02:58,480 Speaker 1: Yeahs here, Yeah, be my zoom doctor. How hard is 67 00:02:58,520 --> 00:03:01,240 Speaker 1: it really to do surgery on yourself? People in like 68 00:03:01,520 --> 00:03:03,320 Speaker 1: you know, you know that show Lost People lost it 69 00:03:03,360 --> 00:03:03,840 Speaker 1: all the time. 70 00:03:03,919 --> 00:03:06,000 Speaker 3: So also, surgery is one thing. 71 00:03:06,240 --> 00:03:08,120 Speaker 2: This is just like a simple It's almost like a 72 00:03:08,280 --> 00:03:10,280 Speaker 2: like a just like a simple skin procedure. 73 00:03:10,280 --> 00:03:11,280 Speaker 3: I don't know the right word for it. 74 00:03:11,200 --> 00:03:13,720 Speaker 1: But yeah, yes, it's just skin. Who pop it out? 75 00:03:13,760 --> 00:03:16,240 Speaker 1: You know, it's like pimple popping. All right, let's go 76 00:03:16,280 --> 00:03:20,160 Speaker 1: into the story. This should be fun. So strap in 77 00:03:20,520 --> 00:03:24,840 Speaker 1: boys and girls. I was in NASAs Bahamas I'm guessing 78 00:03:24,880 --> 00:03:28,600 Speaker 1: that's the Bahamas and suffered a stroke unexpectedly. I'm young, 79 00:03:28,800 --> 00:03:32,160 Speaker 1: low thirties and an overall pretty active and healthy and 80 00:03:32,160 --> 00:03:34,280 Speaker 1: so a stroke was the last thing I would expect 81 00:03:34,360 --> 00:03:37,280 Speaker 1: to happen at this time in my life. Yeah that sucks. 82 00:03:37,440 --> 00:03:38,360 Speaker 3: Yeah, that's awful. 83 00:03:38,560 --> 00:03:40,760 Speaker 1: So when the stroke hit the left side of my body, 84 00:03:40,800 --> 00:03:43,720 Speaker 1: I went limp. I wasn't able to talk, walk, or function. 85 00:03:43,920 --> 00:03:46,920 Speaker 1: It is similar to being paralyzed and all around sucks. 86 00:03:47,120 --> 00:03:49,560 Speaker 1: I imagine it sucks a lot. Yeah I would. I 87 00:03:49,920 --> 00:03:52,160 Speaker 1: would not recommend a stroke to anyone, just my non 88 00:03:52,280 --> 00:03:53,120 Speaker 1: doctor advice. 89 00:03:53,400 --> 00:03:55,200 Speaker 3: Hot take over there, hot take. 90 00:03:55,320 --> 00:03:57,760 Speaker 1: You know, I only had the hottest the hotel thankfully 91 00:03:57,800 --> 00:04:00,600 Speaker 1: called an ambulance, which brought me to a hospital. And 92 00:04:00,680 --> 00:04:04,080 Speaker 1: here's where the fun begins. Ladies and gentlemen, step right up, 93 00:04:04,120 --> 00:04:06,760 Speaker 1: step right up. Ont's listen to the story. My girlfriend, 94 00:04:06,840 --> 00:04:09,200 Speaker 1: let's call her Tea, went to give them my health 95 00:04:09,200 --> 00:04:12,640 Speaker 1: insurance card when I was admitted, which covers me internationally. 96 00:04:12,720 --> 00:04:15,960 Speaker 1: But the hospital refused my insurance and said I don't 97 00:04:15,960 --> 00:04:19,840 Speaker 1: have coverage and insisted on a cash payment or they 98 00:04:19,839 --> 00:04:22,760 Speaker 1: would not treat me. Wow, and you know, when you're 99 00:04:22,760 --> 00:04:26,320 Speaker 1: having a stroke, minutes count. So she gave them whatever 100 00:04:26,360 --> 00:04:30,680 Speaker 1: they wanted to treat me. This is when Tea gave 101 00:04:30,720 --> 00:04:33,440 Speaker 1: them my credit card. Important note t is not an 102 00:04:33,520 --> 00:04:36,360 Speaker 1: authorized card holder on my credit card account. She does 103 00:04:36,440 --> 00:04:39,480 Speaker 1: not have her own card, nor is she an authorized 104 00:04:39,520 --> 00:04:42,599 Speaker 1: signer or user on my account. She simply went into 105 00:04:42,600 --> 00:04:45,280 Speaker 1: my wallet while I was unconscious and gave it to them, 106 00:04:45,360 --> 00:04:47,120 Speaker 1: so I was not able to step in and deal 107 00:04:47,120 --> 00:04:50,040 Speaker 1: with the situation. I woke up hours later to Tea 108 00:04:50,200 --> 00:04:53,000 Speaker 1: crying by my bedside. She was explaining to me the 109 00:04:53,040 --> 00:04:55,960 Speaker 1: situation even though I was conscious. I was not able 110 00:04:56,000 --> 00:04:58,359 Speaker 1: to process nor had the energy to respond. She was 111 00:04:58,400 --> 00:05:00,960 Speaker 1: explaining that they would chase her tow the hallway for 112 00:05:01,120 --> 00:05:05,800 Speaker 1: five thousand, ten, twenty thousand at a time, whatever they could, 113 00:05:05,920 --> 00:05:08,080 Speaker 1: as if buying a used car. 114 00:05:08,480 --> 00:05:09,080 Speaker 3: Wow. 115 00:05:09,360 --> 00:05:11,760 Speaker 1: It was surreal and makes me so mad, But she 116 00:05:11,839 --> 00:05:14,040 Speaker 1: did not have any other options at the time. She 117 00:05:14,120 --> 00:05:16,359 Speaker 1: notified my parents who showed up a day later. My 118 00:05:16,440 --> 00:05:19,760 Speaker 1: father was raising hell about them not taking my insurance 119 00:05:19,760 --> 00:05:22,200 Speaker 1: when he arrived, but it was not the time to argue, 120 00:05:22,279 --> 00:05:25,040 Speaker 1: and he made arrangements to get me back to the States. 121 00:05:25,080 --> 00:05:26,640 Speaker 1: So they're charging him up the wazoo. 122 00:05:26,839 --> 00:05:28,480 Speaker 3: Yeah, I mean, this is insane. 123 00:05:28,600 --> 00:05:31,479 Speaker 1: He is not an authorized user on my credit card account. 124 00:05:31,520 --> 00:05:33,720 Speaker 1: But she was doing what she thought was best for 125 00:05:33,760 --> 00:05:36,039 Speaker 1: me while trying not to let me die. I think 126 00:05:36,080 --> 00:05:38,440 Speaker 1: anyone else would have done the same. Yeah, I mean, like, 127 00:05:38,720 --> 00:05:40,000 Speaker 1: what else do you do in this situation? 128 00:05:40,200 --> 00:05:41,120 Speaker 3: What else can there? 129 00:05:41,560 --> 00:05:44,440 Speaker 2: Really is nothing else except trying to perform the surgery 130 00:05:44,480 --> 00:05:45,680 Speaker 2: yourself exactly. 131 00:05:45,880 --> 00:05:48,239 Speaker 1: You know, just do the open heart surgery on your own, 132 00:05:48,560 --> 00:05:51,400 Speaker 1: pull up a YouTube video and freaking do it. Come on, 133 00:05:51,680 --> 00:05:54,400 Speaker 1: learn on the go. Who knows, by the end of it, 134 00:05:54,440 --> 00:05:55,600 Speaker 1: you could become a heart surgeon. 135 00:05:55,680 --> 00:05:56,799 Speaker 3: There you go, new career. 136 00:05:56,880 --> 00:05:59,960 Speaker 1: That's called employable skills. Long story short, I was transper 137 00:06:00,120 --> 00:06:04,600 Speaker 1: or via air ambulance back to the States Pompano Beach, Florida, 138 00:06:04,640 --> 00:06:06,960 Speaker 1: where my health insurance took over. And now the dust 139 00:06:07,040 --> 00:06:10,840 Speaker 1: has settled, I have fifty five thousand dollars in charges 140 00:06:10,880 --> 00:06:13,720 Speaker 1: on my credit card from said hospital in the Bahamas. 141 00:06:13,839 --> 00:06:15,080 Speaker 3: Wow, oh my. 142 00:06:15,120 --> 00:06:18,080 Speaker 1: God, fifty five thousand dollars. Bro, that's like a lot. 143 00:06:18,560 --> 00:06:22,240 Speaker 1: It's like university debt right there. Yes, whole other degree. 144 00:06:22,080 --> 00:06:24,680 Speaker 3: A degree in having your money stolen. 145 00:06:24,520 --> 00:06:26,440 Speaker 1: And not dying. Yeah. 146 00:06:26,120 --> 00:06:26,320 Speaker 3: Yeah. 147 00:06:26,480 --> 00:06:28,880 Speaker 1: I have spoken to my insurance company and they said 148 00:06:28,880 --> 00:06:31,560 Speaker 1: the hospital should have taken the insurance when I was admitted, 149 00:06:31,600 --> 00:06:35,040 Speaker 1: but the hospital prefers cash because insurance companies will pay 150 00:06:35,080 --> 00:06:38,080 Speaker 1: discounter rates, whereas cash out of pocket is subject to 151 00:06:38,080 --> 00:06:42,200 Speaker 1: whatever the hospital charges. The insurance company will not reimburse 152 00:06:42,240 --> 00:06:44,400 Speaker 1: me for the full amount, as that is not what 153 00:06:44,440 --> 00:06:48,200 Speaker 1: they would have paid the hospital. Since T is not 154 00:06:48,240 --> 00:06:51,599 Speaker 1: an authorized user and she signed all the credit card receipts. 155 00:06:51,720 --> 00:06:54,440 Speaker 1: I already attempted to charge back the charges, but the 156 00:06:54,480 --> 00:06:57,800 Speaker 1: credit card company has rejected this as a claim, stating 157 00:06:57,880 --> 00:07:00,440 Speaker 1: I have benefited from the services at the hospit and 158 00:07:00,520 --> 00:07:03,920 Speaker 1: it's not considered fraud. So like what so? Like if 159 00:07:04,000 --> 00:07:08,680 Speaker 1: I go and freaking find mister Beet's card, you know, online, 160 00:07:08,960 --> 00:07:12,080 Speaker 1: and then put ads everywhere from mister Beet, since he's 161 00:07:12,120 --> 00:07:14,360 Speaker 1: benefited from it, it's not fraud, I don't think so. 162 00:07:14,800 --> 00:07:17,160 Speaker 3: Come on, guys, geez, easy. 163 00:07:16,880 --> 00:07:20,120 Speaker 1: Way to financially ruin someone steal their credit card information 164 00:07:20,160 --> 00:07:21,000 Speaker 1: and buy shit for them. 165 00:07:21,120 --> 00:07:21,360 Speaker 3: Yeah. 166 00:07:21,480 --> 00:07:24,000 Speaker 2: Yeah, literally, it's like, huh, you can't do anything, now 167 00:07:24,120 --> 00:07:24,880 Speaker 2: buy a house run. 168 00:07:25,680 --> 00:07:28,280 Speaker 1: I'm not trying to sift the hospital on their bill. Rather, 169 00:07:28,400 --> 00:07:30,920 Speaker 1: I want my money back and have my health insurance 170 00:07:30,960 --> 00:07:33,160 Speaker 1: company pay them what they should have been paid. My 171 00:07:33,240 --> 00:07:36,840 Speaker 1: blood boils knowing that they chased a grieving, emotional girl 172 00:07:36,960 --> 00:07:39,560 Speaker 1: for money. Knowing what they were doing, they took complete 173 00:07:39,600 --> 00:07:42,480 Speaker 1: advantage of the situation. So does anyone out there have 174 00:07:42,560 --> 00:07:45,240 Speaker 1: any advice or work for Bank of America Dispute Department 175 00:07:45,320 --> 00:07:48,360 Speaker 1: that can help guide me anyway? Or should I bother 176 00:07:48,480 --> 00:07:50,720 Speaker 1: contact your lawyer in the Bahamas? I assume I have 177 00:07:50,760 --> 00:07:53,200 Speaker 1: to deal with an attorney over there and not here, correct. 178 00:07:53,240 --> 00:07:56,000 Speaker 1: If so, a contact or advice on how to find 179 00:07:56,000 --> 00:07:58,360 Speaker 1: one over there would be great. Complete side notes on 180 00:07:58,400 --> 00:08:00,840 Speaker 1: where I'm at today. I'm in reh have full time 181 00:08:00,920 --> 00:08:02,960 Speaker 1: and started walking a few weeks ago for the first time, 182 00:08:03,040 --> 00:08:05,240 Speaker 1: and since the stroke. It's not a pretty walk but 183 00:08:05,320 --> 00:08:07,800 Speaker 1: gets me around. My left arm is still flaccid, but 184 00:08:07,880 --> 00:08:10,840 Speaker 1: starting to move, so I'm encouraged. The DRS think six 185 00:08:10,920 --> 00:08:13,440 Speaker 1: to twelve months to get full movement back and say 186 00:08:13,480 --> 00:08:16,040 Speaker 1: that being young is one of the advantages in rehab, 187 00:08:16,160 --> 00:08:18,200 Speaker 1: so I guess the silver lining is at least he 188 00:08:18,240 --> 00:08:20,360 Speaker 1: had his fricking heart attack when he's thirty and can 189 00:08:20,400 --> 00:08:21,880 Speaker 1: get most of his movement back. 190 00:08:22,080 --> 00:08:22,600 Speaker 3: There you go. 191 00:08:22,920 --> 00:08:26,240 Speaker 1: I type this post using voice dictation software. Apologies for 192 00:08:26,320 --> 00:08:29,720 Speaker 1: any typos, grammatical errors, or formatting. I suck with grammar 193 00:08:29,800 --> 00:08:32,520 Speaker 1: before the stroke and John, there is an update. But 194 00:08:32,840 --> 00:08:34,160 Speaker 1: what do you think? What should op do? 195 00:08:34,480 --> 00:08:38,360 Speaker 2: I mean, definitely like we are not like the premiere 196 00:08:38,360 --> 00:08:42,200 Speaker 2: experts in healthcare law or anything here, but I feel 197 00:08:42,240 --> 00:08:44,520 Speaker 2: like kind of what Opie was listing out, like contact 198 00:08:44,520 --> 00:08:48,520 Speaker 2: a lawyer in the Bahamas, keep calling around, like asking 199 00:08:48,520 --> 00:08:51,640 Speaker 2: all of these professionals like, hey, what are all of 200 00:08:51,679 --> 00:08:54,520 Speaker 2: my like viable options here to get the money back? 201 00:08:54,520 --> 00:08:57,520 Speaker 3: Because I feel like there is a way. 202 00:08:57,520 --> 00:09:00,640 Speaker 1: There has to be. I mean, that's really sketchy to 203 00:09:00,640 --> 00:09:02,839 Speaker 1: to prey on our grieving woman. 204 00:09:02,880 --> 00:09:05,160 Speaker 3: And I have to imagine they're doing this to everybody. 205 00:09:05,360 --> 00:09:07,839 Speaker 1: I mean, But also how often does I guess maybe 206 00:09:07,840 --> 00:09:10,599 Speaker 1: pretty often for Taurus they don't have insurance and so 207 00:09:10,679 --> 00:09:13,560 Speaker 1: they're making them. But I guess it's like it for 208 00:09:13,720 --> 00:09:15,840 Speaker 1: for all the really serious ones. I guess they can 209 00:09:15,920 --> 00:09:18,240 Speaker 1: really take advantage of it because it's like, what are 210 00:09:18,280 --> 00:09:20,120 Speaker 1: you gonna do? You have to get our treatment or 211 00:09:20,160 --> 00:09:21,080 Speaker 1: you're gonna die. 212 00:09:21,200 --> 00:09:24,600 Speaker 2: Or even or even like, you know, I broke my 213 00:09:24,720 --> 00:09:27,640 Speaker 2: leg right, Okay, it's not like life threatening or whatever, 214 00:09:27,640 --> 00:09:29,240 Speaker 2: but it's like, yeah, I want to get treated now. 215 00:09:29,440 --> 00:09:31,200 Speaker 2: And then they kind of pull the same thing where 216 00:09:31,200 --> 00:09:33,480 Speaker 2: they're like, hey, we can, we can fix your leg 217 00:09:33,559 --> 00:09:36,480 Speaker 2: right now, but it's it's gonna be thirty grand cash 218 00:09:36,640 --> 00:09:39,520 Speaker 2: or like on your car, and it's like what, like 219 00:09:39,600 --> 00:09:40,360 Speaker 2: and what are you gonna do? 220 00:09:40,440 --> 00:09:42,079 Speaker 3: You know, So it's like. 221 00:09:42,320 --> 00:09:44,480 Speaker 1: You can't really I think, but I think even in 222 00:09:44,520 --> 00:09:47,559 Speaker 1: like a broken leg, you can like call the insurance 223 00:09:47,679 --> 00:09:50,880 Speaker 1: or something. At least like with a heart attack, you're 224 00:09:50,960 --> 00:09:52,480 Speaker 1: not your every minute counts. 225 00:09:52,800 --> 00:09:54,160 Speaker 3: Was it a heart attack or a stroke? 226 00:09:54,320 --> 00:09:54,760 Speaker 1: A stroke? 227 00:09:54,800 --> 00:09:57,040 Speaker 3: A stroke? Yeah, but yeah, anything life threatening like that, 228 00:09:57,360 --> 00:09:58,920 Speaker 3: there's nothing you can do. Yeah. 229 00:09:59,040 --> 00:10:01,640 Speaker 1: Yeah, but there is an update, John, let's get into it. 230 00:10:01,920 --> 00:10:06,600 Speaker 1: So update. United came through and paid ninety five percent 231 00:10:06,640 --> 00:10:09,200 Speaker 1: of the charges, but one hundred percent of the hospital bill. 232 00:10:09,320 --> 00:10:12,920 Speaker 1: They shorted me forty six hundred because the hospital overcharged me, 233 00:10:12,920 --> 00:10:15,800 Speaker 1: meaning the invoices added up to more than when they 234 00:10:15,880 --> 00:10:18,400 Speaker 1: ran their card. Hospital is a bunch of thieves. So 235 00:10:18,440 --> 00:10:20,280 Speaker 1: now I have to see if the hospital refund me 236 00:10:20,520 --> 00:10:22,800 Speaker 1: and overage or open a new dispute with b of 237 00:10:22,920 --> 00:10:25,240 Speaker 1: A Bank of America for the overage. Thank you for 238 00:10:25,280 --> 00:10:28,120 Speaker 1: all the advice life lessons have been added to the list, 239 00:10:28,200 --> 00:10:30,800 Speaker 1: so at least it ended up with not a fifty 240 00:10:30,800 --> 00:10:32,040 Speaker 1: five thousand dollars bill. 241 00:10:32,240 --> 00:10:34,040 Speaker 3: I'm so glad to hear that. 242 00:10:34,080 --> 00:10:36,040 Speaker 2: And you know, like in the grid scheme of things, 243 00:10:36,240 --> 00:10:38,880 Speaker 2: even if OP can like definitely dispute and do and 244 00:10:39,280 --> 00:10:41,280 Speaker 2: you know, do your thing because also it's like just 245 00:10:41,320 --> 00:10:45,280 Speaker 2: on the principle of the overcharging and whatnot, OP should 246 00:10:45,280 --> 00:10:45,600 Speaker 2: find it. 247 00:10:45,640 --> 00:10:47,960 Speaker 3: But even yeah, if OP, if he gets their money back, 248 00:10:48,200 --> 00:10:48,880 Speaker 3: not bad. 249 00:10:48,920 --> 00:10:51,480 Speaker 1: Not bad. Going from fifty five K to forty four 250 00:10:51,520 --> 00:10:53,800 Speaker 1: point six K not a bad decrease. I mean, what 251 00:10:53,840 --> 00:10:55,040 Speaker 1: I would love to hear is I would love to 252 00:10:55,080 --> 00:11:00,000 Speaker 1: hear everyone's, like, you know, healthcare stuff. I imagine there 253 00:10:59,840 --> 00:11:03,800 Speaker 1: are some shit stories with the American healthcare system or 254 00:11:03,840 --> 00:11:08,040 Speaker 1: any healthcare system. So if you have any terrible experiences 255 00:11:08,040 --> 00:11:10,400 Speaker 1: like this, we'd love to hear them. I mean, my 256 00:11:10,640 --> 00:11:12,920 Speaker 1: small one is I was trying to get these lumps 257 00:11:12,920 --> 00:11:15,160 Speaker 1: on my leg remove. It's just like little fatty deposits, 258 00:11:15,400 --> 00:11:20,079 Speaker 1: and my dermatologists was like, oh, covered by insurance, totally fine, 259 00:11:21,480 --> 00:11:25,080 Speaker 1: and got it removed right, and then I came back 260 00:11:25,480 --> 00:11:29,080 Speaker 1: to get the stitches out, and apparently he was I 261 00:11:29,080 --> 00:11:34,320 Speaker 1: think this is pretty snaky. But the insurance covered the 262 00:11:34,360 --> 00:11:37,720 Speaker 1: opening of it and the removal, but the stitching of 263 00:11:37,760 --> 00:11:40,680 Speaker 1: it back and then the removal of the stitches was 264 00:11:40,679 --> 00:11:41,680 Speaker 1: one thousand dollars. 265 00:11:41,840 --> 00:11:45,920 Speaker 3: Come on, how shity is that? Dude? That is so slid. 266 00:11:46,200 --> 00:11:48,720 Speaker 1: Yeah, it's like, oh yeah, we can remove it no cost. 267 00:11:48,800 --> 00:11:50,200 Speaker 1: But if you want your if you want to be 268 00:11:50,240 --> 00:11:52,720 Speaker 1: stitched back up and those stitches removed, then it's going 269 00:11:52,800 --> 00:11:53,240 Speaker 1: to cost you. 270 00:11:53,480 --> 00:11:55,120 Speaker 2: Like what do you think the person you're just saying 271 00:11:55,160 --> 00:11:57,920 Speaker 2: like oh awesome, thanks, Like yeah, yeah, those stitches were 272 00:11:57,920 --> 00:12:01,600 Speaker 2: totally worth a thousand, absolutely not like of course someone's 273 00:12:01,600 --> 00:12:04,000 Speaker 2: gonna be like I came in for the procedure. 274 00:12:04,160 --> 00:12:06,400 Speaker 3: If you tell me, yeah, procedures free, then is free? 275 00:12:06,520 --> 00:12:08,600 Speaker 1: Well? Am I just gonna leave with a gaping hole? 276 00:12:09,000 --> 00:12:11,480 Speaker 1: Like like what do you want me to do? Yeah? Literally, 277 00:12:11,520 --> 00:12:12,800 Speaker 1: American healthcare system is. 278 00:12:13,120 --> 00:12:13,640 Speaker 3: Yeah, it is. 279 00:12:13,840 --> 00:12:16,240 Speaker 2: But what's never messed up is the comments from our 280 00:12:16,280 --> 00:12:19,720 Speaker 2: beautiful subscribers. And we've got some from the video. My 281 00:12:19,800 --> 00:12:22,760 Speaker 2: sister destroyed my marriage and made me homeless. Here's how 282 00:12:23,080 --> 00:12:26,040 Speaker 2: first comment is from public subscriber Jason eight eight two three. 283 00:12:26,120 --> 00:12:28,079 Speaker 2: I wouldn't be in jail because I would have fed 284 00:12:28,200 --> 00:12:30,800 Speaker 2: sister up. King Arthur wouldn't have been able to pull 285 00:12:30,880 --> 00:12:33,840 Speaker 2: my foot out of her ass. Damn going in there. 286 00:12:34,440 --> 00:12:35,679 Speaker 1: Oh that's a great one. 287 00:12:35,840 --> 00:12:36,679 Speaker 3: That's a great one. 288 00:12:36,800 --> 00:12:40,600 Speaker 2: Natasha d Lyon says I would never let any one 289 00:12:40,640 --> 00:12:44,000 Speaker 2: of them back in my life. Preach, sister, preach, And finally, 290 00:12:44,040 --> 00:12:48,319 Speaker 2: public subscriber Jennabee says, forgive okay, but I would never 291 00:12:48,640 --> 00:12:49,520 Speaker 2: get back with him. 292 00:12:49,679 --> 00:12:50,600 Speaker 1: Y'all, we love. 293 00:12:50,440 --> 00:12:54,040 Speaker 2: Your opinions, your thoughts, your personal stories on the show, 294 00:12:54,080 --> 00:12:57,480 Speaker 2: so please use those beautiful little fingers type your comments 295 00:12:57,559 --> 00:13:00,200 Speaker 2: on this story and share your thoughts below, and if 296 00:13:00,200 --> 00:13:02,680 Speaker 2: you publicly subscribe, we just might read them on the 297 00:13:02,720 --> 00:13:03,319 Speaker 2: next episode. 298 00:13:03,360 --> 00:13:09,040 Speaker 1: See you soon, peace. Did I just find one million dollars? 299 00:13:09,200 --> 00:13:12,559 Speaker 1: I just discovered my grandpa's hidden treasure. But now my 300 00:13:12,640 --> 00:13:15,280 Speaker 1: gold digging family is coming for me. I think I'm 301 00:13:15,320 --> 00:13:17,600 Speaker 1: just going to steal it all myself. Am I the 302 00:13:17,640 --> 00:13:21,240 Speaker 1: a hole? You know? I think you take it all 303 00:13:22,840 --> 00:13:24,880 Speaker 1: and bury it again like a pirate. 304 00:13:24,800 --> 00:13:27,800 Speaker 2: Mister beast bought an island for eight hundred thousand. I'm 305 00:13:27,840 --> 00:13:30,400 Speaker 2: just buying a remote island and hiding away. 306 00:13:30,760 --> 00:13:31,480 Speaker 3: That's what I'm doing. 307 00:13:31,559 --> 00:13:35,760 Speaker 1: Yeah, buy remote island, hire, buy a remote island. Bury 308 00:13:35,760 --> 00:13:38,120 Speaker 1: the rest right. Eight hundred k on the island, two 309 00:13:38,160 --> 00:13:39,040 Speaker 1: hundred k in the ground. 310 00:13:39,640 --> 00:13:42,360 Speaker 2: That's right, that's the perfect That's the pirate booty formula 311 00:13:42,440 --> 00:13:44,760 Speaker 2: right there, the pirate booty formula. 312 00:13:44,960 --> 00:13:47,960 Speaker 1: So I, twenty six male, recently bought out my cousins 313 00:13:48,000 --> 00:13:52,920 Speaker 1: and sibling shares in our ancestral family home. My family 314 00:13:52,960 --> 00:13:55,559 Speaker 1: has lived here since the nineteen twenties. It is on 315 00:13:55,640 --> 00:13:58,040 Speaker 1: a lake and my wife and I plan on using 316 00:13:58,040 --> 00:14:00,600 Speaker 1: it as a vacation home and rented out on Airbnb. 317 00:14:00,840 --> 00:14:04,160 Speaker 1: The home needs a lot of work as it hasn't 318 00:14:04,200 --> 00:14:06,880 Speaker 1: been maintained before he bought it. We asked everyone to 319 00:14:06,920 --> 00:14:09,480 Speaker 1: come and take what they wanted. The house was filled 320 00:14:09,520 --> 00:14:13,200 Speaker 1: with decades of stuff. They took what they wanted and 321 00:14:13,320 --> 00:14:15,360 Speaker 1: that was the end of it. As we have begun 322 00:14:15,600 --> 00:14:20,800 Speaker 1: demoing an upstairs bedroom, we found a loose floorboard. After 323 00:14:20,840 --> 00:14:24,800 Speaker 1: removing some carpet under the floorboard, we found a metal 324 00:14:24,800 --> 00:14:28,120 Speaker 1: box with an old lock on it and a coffee 325 00:14:28,160 --> 00:14:32,320 Speaker 1: can filled with old coins. We cut the lock and 326 00:14:32,440 --> 00:14:35,720 Speaker 1: found two thousand dollars in bills from the nineteen sixties, 327 00:14:36,080 --> 00:14:41,280 Speaker 1: a pocket watch, gold cuff links, ruby earrings, sapphire and 328 00:14:41,320 --> 00:14:45,600 Speaker 1: diamond bracelets, and a pearl necklace. Dang got a good 329 00:14:45,600 --> 00:14:48,760 Speaker 1: haul for real. Based off of this, we think it 330 00:14:48,840 --> 00:14:51,800 Speaker 1: belonged to my great grandparents, who died in an accident 331 00:14:51,880 --> 00:14:54,640 Speaker 1: in nineteen sixty three. I called my mother and told 332 00:14:54,640 --> 00:14:58,400 Speaker 1: her what we found. She was shocked. My great grandfather 333 00:14:58,480 --> 00:15:02,240 Speaker 1: didn't trust banks and had hidden valuables all over the place. 334 00:15:02,640 --> 00:15:05,240 Speaker 1: Apparently a lot of people did this after the Great Depression. 335 00:15:05,320 --> 00:15:07,920 Speaker 1: My mother thought they had found everything. She is now 336 00:15:08,000 --> 00:15:11,320 Speaker 1: asking that we hand it all over, sell it and 337 00:15:11,400 --> 00:15:14,320 Speaker 1: split it between the family members. Mama, there's this little 338 00:15:14,400 --> 00:15:16,040 Speaker 1: thing called finders. 339 00:15:16,240 --> 00:15:16,920 Speaker 3: Keepers. 340 00:15:17,320 --> 00:15:23,400 Speaker 2: Don't know if you heard weepers cry loser, it's you. 341 00:15:24,280 --> 00:15:25,960 Speaker 2: I said I would give them the cash and the 342 00:15:25,960 --> 00:15:28,000 Speaker 2: antique coins, but I would like to hold on to 343 00:15:28,080 --> 00:15:30,520 Speaker 2: the jewelry to pass on to my future children. My 344 00:15:30,640 --> 00:15:33,240 Speaker 2: mother said that my siblings need the money because they 345 00:15:33,240 --> 00:15:35,440 Speaker 2: are both unemployed due to the. 346 00:15:35,160 --> 00:15:39,600 Speaker 1: Whole global situation. She considers what I found family properly 347 00:15:40,080 --> 00:15:42,920 Speaker 1: legally I purchased everything in the house, So I think 348 00:15:43,000 --> 00:15:45,840 Speaker 1: I am covered. My mom and uncle are saying we 349 00:15:45,840 --> 00:15:48,080 Speaker 1: can not come to Christmas if we don't hand it over. 350 00:15:48,200 --> 00:15:52,360 Speaker 1: So am I the a hole for not splitting the 351 00:15:52,440 --> 00:15:55,320 Speaker 1: lost family treasure anything? 352 00:15:55,680 --> 00:15:56,000 Speaker 3: Man? 353 00:15:56,920 --> 00:16:00,680 Speaker 2: Okay, so let's break it down, right. They bought the house. 354 00:16:00,800 --> 00:16:02,480 Speaker 2: How much do you think it's worth? Put your answers 355 00:16:02,480 --> 00:16:05,200 Speaker 2: to the comments. How much you think this whole treasure 356 00:16:05,280 --> 00:16:05,640 Speaker 2: is worth? 357 00:16:05,720 --> 00:16:06,080 Speaker 1: Right here? 358 00:16:06,240 --> 00:16:06,880 Speaker 3: Yeah, let's see. 359 00:16:07,000 --> 00:16:09,479 Speaker 2: I bet there's some some like, you know, diamond appraisers 360 00:16:09,480 --> 00:16:11,120 Speaker 2: and things like that somewhere in our audience. 361 00:16:11,880 --> 00:16:12,640 Speaker 3: Breaking it down. 362 00:16:13,480 --> 00:16:14,320 Speaker 1: They bought the house. 363 00:16:14,520 --> 00:16:17,640 Speaker 2: They told everyone to come through and and check it out, 364 00:16:18,360 --> 00:16:20,560 Speaker 2: make sure they didn't they make sure they could grab 365 00:16:20,560 --> 00:16:23,880 Speaker 2: anything they wanted. But this was kind of like this 366 00:16:24,040 --> 00:16:27,440 Speaker 2: was like a hidden hidden treasure, right, Yeah, yeah. 367 00:16:27,280 --> 00:16:28,280 Speaker 3: It was. It was. 368 00:16:28,320 --> 00:16:31,320 Speaker 1: It was a hidden, hidden little treasure chest. 369 00:16:31,480 --> 00:16:33,320 Speaker 2: It's not like, yeah, it's not like you know, a 370 00:16:33,360 --> 00:16:36,360 Speaker 2: diamond encrusted you know, like a family picture or something 371 00:16:36,440 --> 00:16:38,640 Speaker 2: like that that you could have easily spotted and grabbed. 372 00:16:39,160 --> 00:16:41,600 Speaker 1: Yeah. 373 00:16:41,760 --> 00:16:43,920 Speaker 2: I think we're gonna have to default with the law here. 374 00:16:44,320 --> 00:16:47,840 Speaker 2: OPI bought the house, and I'm assuming legally everything inside 375 00:16:47,880 --> 00:16:50,920 Speaker 2: of it, So I got a side with that. 376 00:16:51,200 --> 00:16:51,680 Speaker 3: I don't know. 377 00:16:52,400 --> 00:16:56,160 Speaker 1: I actually think if it was their grandparents, they probably 378 00:16:56,160 --> 00:17:01,920 Speaker 1: would have wanted the parents and inherit it, And so 379 00:17:01,960 --> 00:17:04,479 Speaker 1: I think it's split. I think it should be split 380 00:17:04,520 --> 00:17:07,760 Speaker 1: among the family because it's like it's it's like I 381 00:17:08,280 --> 00:17:10,080 Speaker 1: tend to think of it as like what would the 382 00:17:10,440 --> 00:17:14,480 Speaker 1: people have who originally owned it, Like what would they 383 00:17:14,480 --> 00:17:16,560 Speaker 1: have wanted? And I think they would have wont it 384 00:17:16,560 --> 00:17:17,560 Speaker 1: split between the family. 385 00:17:18,560 --> 00:17:20,960 Speaker 2: I want to use the law to my advantage to 386 00:17:21,000 --> 00:17:23,320 Speaker 2: get as much monetary value. 387 00:17:23,040 --> 00:17:27,000 Speaker 1: As John is a pure unadulterated capitalist pig. 388 00:17:27,240 --> 00:17:31,879 Speaker 3: Yeah, but uh no, I mean, bitch, you bring up 389 00:17:31,920 --> 00:17:32,440 Speaker 3: a great point. 390 00:17:32,520 --> 00:17:35,320 Speaker 2: Yeah, it's I think what's so tough about it is 391 00:17:35,440 --> 00:17:37,959 Speaker 2: that the Yeah, I think you're right because like they 392 00:17:38,160 --> 00:17:40,720 Speaker 2: they hid it away, but then they passed away before 393 00:17:40,720 --> 00:17:42,680 Speaker 2: they could really like make a will about it. That's 394 00:17:42,720 --> 00:17:45,120 Speaker 2: what makes it so tough, is it's like hidden thing 395 00:17:45,359 --> 00:17:45,960 Speaker 2: that you know. 396 00:17:46,119 --> 00:17:47,960 Speaker 3: But yeah, you know. 397 00:17:47,960 --> 00:17:49,960 Speaker 1: It's probably on op side. But I think it's a 398 00:17:49,960 --> 00:17:52,119 Speaker 1: dick move to not give it to your whole family. 399 00:17:52,240 --> 00:17:54,320 Speaker 2: I think you're right, and you could maybe strike a 400 00:17:54,400 --> 00:17:56,360 Speaker 2: deal with like I mean, I guess what did op 401 00:17:56,480 --> 00:17:59,760 Speaker 2: say you, uh, we want to have some of the. 402 00:17:59,640 --> 00:18:01,640 Speaker 1: We want to how to pass dowyans and the cash 403 00:18:01,800 --> 00:18:04,160 Speaker 1: and then you but we want to keep you guys 404 00:18:04,160 --> 00:18:05,680 Speaker 1: can have the coins in the cash, but we want 405 00:18:05,680 --> 00:18:10,000 Speaker 1: to keep the the jewelry. I think figure out, though 406 00:18:10,400 --> 00:18:13,639 Speaker 1: I feel like selling the jewelry kind of sucks, Like 407 00:18:13,720 --> 00:18:16,520 Speaker 1: I would want to remember my grandparents. I would I 408 00:18:16,640 --> 00:18:18,520 Speaker 1: I don't think you should sell the jewelry. 409 00:18:19,400 --> 00:18:21,680 Speaker 2: Oh, like like what the parents? And yeah, because the 410 00:18:21,720 --> 00:18:22,800 Speaker 2: parents want to sell it for. 411 00:18:22,760 --> 00:18:26,479 Speaker 1: Their or maybe buy out that you buy out the 412 00:18:27,080 --> 00:18:31,119 Speaker 1: other family members from owning the jewelry, or you know 413 00:18:31,359 --> 00:18:33,560 Speaker 1: you maybe don't say anything in the first place. 414 00:18:34,280 --> 00:18:35,520 Speaker 3: There we go, here we go. 415 00:18:35,560 --> 00:18:38,520 Speaker 2: I think I got to appraise it, divide the value 416 00:18:38,560 --> 00:18:40,520 Speaker 2: by how many people there are, you know, the parents, 417 00:18:40,520 --> 00:18:43,040 Speaker 2: the grain, children, et cetera, and then divvy it up. 418 00:18:43,080 --> 00:18:45,159 Speaker 2: And then yeah, if I think you have a good point, 419 00:18:45,359 --> 00:18:47,639 Speaker 2: if op does want to pass down, like maybe like 420 00:18:47,680 --> 00:18:51,040 Speaker 2: the sapphire earrings for example, buy out the rest of 421 00:18:51,080 --> 00:18:53,760 Speaker 2: the value for that and then pass it down, Yeah, 422 00:18:53,880 --> 00:18:55,560 Speaker 2: I think that that's the most fair thing. 423 00:18:55,640 --> 00:18:58,960 Speaker 1: But really, like who would have owned it? Would would 424 00:18:58,960 --> 00:19:01,720 Speaker 1: it would probably have been the the mother, So like 425 00:19:01,760 --> 00:19:05,119 Speaker 1: it's really her decision. I think probably, but like like 426 00:19:05,200 --> 00:19:09,040 Speaker 1: a morally, I think, yeah, yeah, that's the right I 427 00:19:09,200 --> 00:19:12,760 Speaker 1: putting it not legally, but actually we've we've covered this 428 00:19:12,840 --> 00:19:14,600 Speaker 1: kind of inheritance stuff in a story before. I think 429 00:19:14,600 --> 00:19:16,640 Speaker 1: we actually have a comment of someone's story, right. 430 00:19:16,760 --> 00:19:17,600 Speaker 3: You know we have. 431 00:19:18,480 --> 00:19:22,679 Speaker 2: This comment comes from MDS kV two RS. I have 432 00:19:22,760 --> 00:19:26,719 Speaker 2: a family member that got inheritance and their partner not married, 433 00:19:26,840 --> 00:19:29,280 Speaker 2: just dating for seven years, spent. 434 00:19:29,280 --> 00:19:31,679 Speaker 1: Almost all of it, then left. 435 00:19:32,080 --> 00:19:36,399 Speaker 2: Oh that is rough, my goodness, and all of it. 436 00:19:36,480 --> 00:19:40,840 Speaker 2: And then oh my god, that people saying suck. I 437 00:19:40,840 --> 00:19:43,639 Speaker 2: think that the person was waiting for that person to 438 00:19:43,800 --> 00:19:46,560 Speaker 2: pass before they left the relationship. 439 00:19:47,240 --> 00:19:50,040 Speaker 1: Oh my god, people saw, people saw. 440 00:19:50,560 --> 00:19:51,479 Speaker 3: People are terrible. 441 00:19:51,520 --> 00:19:53,119 Speaker 2: And I think that if you have a large amount 442 00:19:53,160 --> 00:19:57,200 Speaker 2: of money or assets, a prenuptial agreement should not offend 443 00:19:57,280 --> 00:20:00,320 Speaker 2: anyone unless that's what they were there for were in 444 00:20:00,359 --> 00:20:03,720 Speaker 2: the first place, ps my x oneted one and all 445 00:20:03,760 --> 00:20:06,359 Speaker 2: they owned was a forty two inch TV and a 446 00:20:06,480 --> 00:20:11,840 Speaker 2: PS four. That is hilarious. That is hilarious and informative. 447 00:20:12,080 --> 00:20:14,200 Speaker 2: Shout out to you, MDS, and shout out to everyone 448 00:20:14,359 --> 00:20:16,520 Speaker 2: publicly subscribe, leave a comment. 449 00:20:16,920 --> 00:20:19,080 Speaker 1: We just might read it in the next one, so