1
00:00:00,080 --> 00:00:04,960
Speaker 1: Health insurance shames me for being poor, so I got revenge?

2
00:00:05,040 --> 00:00:10,840
Speaker 2: Should revenge? Tell that health insurance whose health you should ensure? Okop?

3
00:00:11,960 --> 00:00:14,800
Speaker 2: This is Okayop. I'm Samuel Donner and I'm John Fry

4
00:00:14,920 --> 00:00:17,840
Speaker 2: and we tell the funniest stories on the internet that

5
00:00:17,960 --> 00:00:18,320
Speaker 2: we do.

6
00:00:18,520 --> 00:00:22,080
Speaker 1: And you know, Sam, a very special day is actually

7
00:00:22,079 --> 00:00:22,800
Speaker 1: coming up for you.

8
00:00:23,440 --> 00:00:28,520
Speaker 2: Oh really, your birthday. It is February nineteenth. It's around

9
00:00:28,520 --> 00:00:31,240
Speaker 2: the corner, which we're also happy for. You'll that'll be

10
00:00:31,280 --> 00:00:34,760
Speaker 2: your quarter life crisis here right. Oh yeah, I'm planning

11
00:00:34,800 --> 00:00:38,760
Speaker 2: on having a quarter life crisis every year until my

12
00:00:39,120 --> 00:00:42,240
Speaker 2: midlife crisis. That sounds horrendous.

13
00:00:44,040 --> 00:00:46,879
Speaker 1: Just really need to evaluate my life a bunch exactly exactly.

14
00:00:46,960 --> 00:00:50,199
Speaker 1: And unfortunately for us, I'm also twenty five, about to

15
00:00:50,240 --> 00:00:55,080
Speaker 1: turn twenty six. We are nearing the horrendous deadline that

16
00:00:55,120 --> 00:00:56,360
Speaker 1: exists in the United States.

17
00:00:56,400 --> 00:01:01,480
Speaker 2: It's a terrible, terrible dead day for frickin' health insurance reasons,

18
00:01:01,560 --> 00:01:04,600
Speaker 2: because when you turn twenty six, you get kicked off

19
00:01:04,600 --> 00:01:07,559
Speaker 2: your parents' health insurance, and health insurance in the US

20
00:01:07,720 --> 00:01:09,880
Speaker 2: is bonker. Is expensive, not.

21
00:01:09,920 --> 00:01:14,040
Speaker 1: Fun, It's expensive and terrible and like not good. Yeah,

22
00:01:14,160 --> 00:01:16,360
Speaker 1: it's not great. You'll just move to Australia by that point.

23
00:01:16,360 --> 00:01:19,200
Speaker 1: In Australia, you know, Australia has yeah, universal health you

24
00:01:19,200 --> 00:01:21,560
Speaker 1: have the dual citizenship.

25
00:01:21,680 --> 00:01:27,400
Speaker 2: Baby. Interesting, but here in the US, uh, not good

26
00:01:27,440 --> 00:01:29,319
Speaker 2: at all. Healthcare kind of sucks here and.

27
00:01:29,200 --> 00:01:31,959
Speaker 1: It's one of those things like I pride myself on

28
00:01:32,080 --> 00:01:35,760
Speaker 1: like being an independent and financially independent person, but that's

29
00:01:35,760 --> 00:01:37,600
Speaker 1: something I'm like, I am writing this.

30
00:01:37,600 --> 00:01:40,479
Speaker 2: Baby all the way to the ad, all the way

31
00:01:40,520 --> 00:01:44,360
Speaker 2: to the end, because it's like another apartment, another apartment.

32
00:01:44,400 --> 00:01:47,360
Speaker 1: Yeah, I mean it could be bad about another apartment,

33
00:01:47,440 --> 00:01:52,200
Speaker 1: but yeah, I will for you bus. It totally depends,

34
00:01:52,200 --> 00:01:54,960
Speaker 1: but I would say a realistic range is like one

35
00:01:55,000 --> 00:01:56,880
Speaker 1: hundred and fifty to like five hundred bucks.

36
00:01:57,960 --> 00:02:02,440
Speaker 2: So yeah, it's like another apartment. Yeah, Sam. Sam is

37
00:02:02,440 --> 00:02:04,200
Speaker 2: a smart smart boy, Ladies and gentlemen.

38
00:02:04,320 --> 00:02:09,200
Speaker 1: I moved into the most expensive apartment I've ever rented

39
00:02:09,600 --> 00:02:13,079
Speaker 1: the day that our last paid gig got canceled.

40
00:02:15,960 --> 00:02:18,880
Speaker 2: And that is why we need this to be a success.

41
00:02:18,880 --> 00:02:22,320
Speaker 1: The Patreon link is in the bio. Guys, pay my

42
00:02:22,360 --> 00:02:23,040
Speaker 1: wrench please.

43
00:02:23,200 --> 00:02:27,160
Speaker 2: We all we have to subsist on is veggy straw.

44
00:02:29,000 --> 00:02:32,359
Speaker 1: And we have to We can't even eat fistfolds. We

45
00:02:32,400 --> 00:02:34,520
Speaker 1: have to conserve them, which is why Sam is eating them.

46
00:02:34,520 --> 00:02:34,960
Speaker 2: One of those.

47
00:02:36,240 --> 00:02:38,799
Speaker 1: We're making it lasts longer. You know, every crumb counts

48
00:02:38,800 --> 00:02:41,160
Speaker 1: over here in Okay, open that it does. That it does.

49
00:02:41,320 --> 00:02:47,160
Speaker 1: But speaking of making things count and bad transitions, we

50
00:02:47,200 --> 00:02:47,880
Speaker 1: have a story.

51
00:02:47,639 --> 00:02:51,760
Speaker 2: About healthcare, everyone's favorite topic.

52
00:02:52,400 --> 00:02:57,279
Speaker 1: Health insurance shames me for being poor, so I got revenge.

53
00:02:57,800 --> 00:03:01,560
Speaker 2: That revenge. Tell that health and whose health you should

54
00:03:01,639 --> 00:03:05,880
Speaker 2: ensure and share your own health that's right, yeah, and

55
00:03:05,919 --> 00:03:08,480
Speaker 2: mental health and physical health. That's true. Make sure to

56
00:03:08,600 --> 00:03:11,840
Speaker 2: take care of yourself. Guys, that's right. And girls, drink water.

57
00:03:12,040 --> 00:03:14,040
Speaker 2: Drink water, lots of water, lots of water.

58
00:03:14,560 --> 00:03:17,359
Speaker 1: My wife female thirty one, and I mail thirty three,

59
00:03:17,600 --> 00:03:22,200
Speaker 1: like many Americans, are beleaguered under the stress of the

60
00:03:22,360 --> 00:03:25,040
Speaker 1: for profit medical insurance industry.

61
00:03:25,280 --> 00:03:27,680
Speaker 2: They're trying to take our money and strip us of

62
00:03:27,720 --> 00:03:29,600
Speaker 2: our resources. Don't like that.

63
00:03:30,400 --> 00:03:32,880
Speaker 1: My wife gave birth to our precious first daughter in

64
00:03:32,919 --> 00:03:36,960
Speaker 1: September of twenty twenty one. Congrats, op and family. And

65
00:03:37,000 --> 00:03:39,960
Speaker 1: we've been dealing with taking the little one to the doctor,

66
00:03:40,320 --> 00:03:44,400
Speaker 1: already had an emergency room visit. Yay, And what's not

67
00:03:44,880 --> 00:03:47,840
Speaker 1: When we received the bill from the L and D

68
00:03:48,200 --> 00:03:50,400
Speaker 1: at the hospital from September.

69
00:03:50,480 --> 00:03:52,000
Speaker 2: Oh god, how much is it?

70
00:03:52,400 --> 00:03:57,040
Speaker 1: We were charged over twenty thousand dollars, and.

71
00:03:56,920 --> 00:03:59,400
Speaker 2: Like, twenty thousand dollars in a US hospital is like

72
00:03:59,720 --> 00:04:05,560
Speaker 2: here is a band aid. Yeah, well not quite a

73
00:04:05,600 --> 00:04:06,000
Speaker 2: band aid.

74
00:04:06,200 --> 00:04:09,680
Speaker 1: But it was a straightforward and regular baby delivery with

75
00:04:09,760 --> 00:04:13,440
Speaker 1: an epidural, so like nothing went wrong, nothing crazy, like.

76
00:04:13,440 --> 00:04:16,600
Speaker 2: The standard twenty thousand dollars. Twenty thousand dollars.

77
00:04:17,160 --> 00:04:19,480
Speaker 1: Even though I do not like our insurance, it did

78
00:04:19,520 --> 00:04:22,799
Speaker 1: cover a huge chunk of the amount. Due that being said,

79
00:04:22,920 --> 00:04:24,920
Speaker 1: there was still over two thousand dollars left.

80
00:04:25,400 --> 00:04:25,679
Speaker 2: Well.

81
00:04:25,720 --> 00:04:28,000
Speaker 1: With my wife being a teacher and myself being a

82
00:04:28,040 --> 00:04:31,760
Speaker 1: state government worker, our income isn't exactly low, but it's

83
00:04:31,800 --> 00:04:34,960
Speaker 1: definitely not high either. Two thousand dollars out of pocket

84
00:04:34,960 --> 00:04:38,120
Speaker 1: would put us into major debts. The hospital was very

85
00:04:38,160 --> 00:04:43,720
Speaker 1: patient at first with trying to get paid until recently

86
00:04:44,440 --> 00:04:48,599
Speaker 1: the incidents done. I've been in communication with the hospital

87
00:04:48,720 --> 00:04:52,560
Speaker 1: trying to negotiate the cheapest possible amount to clear our account.

88
00:04:53,080 --> 00:04:55,800
Speaker 1: The hospital still wanted close to half the amount in

89
00:04:56,000 --> 00:04:58,880
Speaker 1: order to close the account out. I countered with what

90
00:04:58,960 --> 00:05:03,200
Speaker 1: we could legitimately offer, considering the additional amounts we have

91
00:05:03,360 --> 00:05:05,960
Speaker 1: yet to pay for our auto debt coming out of

92
00:05:05,960 --> 00:05:08,480
Speaker 1: our bank account because they were not going to accept

93
00:05:08,480 --> 00:05:08,960
Speaker 1: my offer.

94
00:05:09,200 --> 00:05:11,359
Speaker 2: This is a really interesting way to go about paying

95
00:05:11,360 --> 00:05:14,560
Speaker 2: for a hospital bill. Like you're negotiating with the hospital

96
00:05:14,640 --> 00:05:17,119
Speaker 2: saying like, can't pay you that much, but how about

97
00:05:17,120 --> 00:05:18,640
Speaker 2: this much? I mean think about it.

98
00:05:18,680 --> 00:05:22,839
Speaker 1: Like people who like get a bunch of like tax

99
00:05:22,920 --> 00:05:25,599
Speaker 1: charges or like whatever else. They basically go to the

100
00:05:25,600 --> 00:05:28,159
Speaker 1: court and they're like, all right, we know your bank accounts.

101
00:05:28,400 --> 00:05:29,720
Speaker 1: What are we actually.

102
00:05:29,360 --> 00:05:31,680
Speaker 2: Gonna make you pay? You know what I mean? All right, well,

103
00:05:31,680 --> 00:05:34,719
Speaker 2: I guess so you know, negotiate everything. Yeah, negotiate everything,

104
00:05:34,839 --> 00:05:37,520
Speaker 2: ask for the deal when there isn't the deal, that's right.

105
00:05:37,720 --> 00:05:39,640
Speaker 2: My dad all when he goes into a coffee shop,

106
00:05:39,640 --> 00:05:42,000
Speaker 2: we'll be like so like they'll say like, oh, this

107
00:05:42,040 --> 00:05:43,719
Speaker 2: is like four ninety four. It's like, well, do you

108
00:05:43,720 --> 00:05:45,760
Speaker 2: have the Frank special on? My dad's name is Frank

109
00:05:46,320 --> 00:05:49,080
Speaker 2: And sometimes they'll give him just like fifteen percent on

110
00:05:49,480 --> 00:05:50,800
Speaker 2: or fifteen percent off.

111
00:05:51,560 --> 00:05:54,240
Speaker 1: First off, that is the most glorious dad thing to

112
00:05:54,480 --> 00:05:56,479
Speaker 1: say ever, do you have the Frank deal? And the

113
00:05:56,520 --> 00:05:59,279
Speaker 1: second I am absolutely going to use that because it

114
00:05:59,320 --> 00:06:01,440
Speaker 1: is atrocious. How much coffee shops.

115
00:06:01,520 --> 00:06:03,920
Speaker 2: Yeah, wow, I smart. Oh, do you have the fifteen

116
00:06:03,960 --> 00:06:06,120
Speaker 2: percent off John deal today? Great?

117
00:06:06,160 --> 00:06:10,560
Speaker 1: Great tip for us for you Oko peers. Never we

118
00:06:10,600 --> 00:06:13,880
Speaker 1: haven't come up with a name. I guess Okaobi fam,

119
00:06:14,080 --> 00:06:20,280
Speaker 1: the Peers, the Opps, don't you guys love it?

120
00:06:21,080 --> 00:06:23,720
Speaker 2: Or the O Coppers the O Coppers. There we go.

121
00:06:24,680 --> 00:06:28,279
Speaker 1: But then the count representative kept interrupting me during the

122
00:06:28,320 --> 00:06:31,279
Speaker 1: phone call and was being outrageously rude.

123
00:06:31,520 --> 00:06:31,880
Speaker 2: Rude.

124
00:06:32,279 --> 00:06:35,320
Speaker 1: Yeah, I understand that we have debt and I'm not

125
00:06:35,400 --> 00:06:37,839
Speaker 1: trying to welch on it, but don't treat me like

126
00:06:37,880 --> 00:06:40,920
Speaker 1: I'm dirt because of this piss poor system that was

127
00:06:41,000 --> 00:06:45,240
Speaker 1: charging my wife over fifty dollars for one freaking advil,

128
00:06:45,560 --> 00:06:46,880
Speaker 1: amongst other insanity.

129
00:06:47,000 --> 00:06:52,239
Speaker 2: That's what I'm saying, Brostem is terrible. What are we doing?

130
00:06:52,600 --> 00:06:56,280
Speaker 1: The account representative continued being nasty during the call and

131
00:06:56,400 --> 00:07:00,640
Speaker 1: slightly suggested maybe I should go to the financial assistance program.

132
00:07:00,680 --> 00:07:06,880
Speaker 2: So I did. Oh, I will take care of advice. Ah.

133
00:07:06,920 --> 00:07:09,760
Speaker 1: I called the customer service line for that program, and

134
00:07:09,800 --> 00:07:13,480
Speaker 1: in less than ten minutes I was getting confirmation that

135
00:07:13,560 --> 00:07:17,080
Speaker 1: we were having the entire amount forgiven.

136
00:07:17,360 --> 00:07:19,600
Speaker 2: Okay, So like the guy on the phone just gave

137
00:07:19,680 --> 00:07:20,600
Speaker 2: great advice. Right.

138
00:07:20,640 --> 00:07:24,120
Speaker 1: He literally was like here, just like talking down on them,

139
00:07:24,160 --> 00:07:26,520
Speaker 1: trying to squeeze as much money as he possibly can

140
00:07:26,600 --> 00:07:28,640
Speaker 1: out of them. And they're like, you know what, we'll

141
00:07:28,640 --> 00:07:31,120
Speaker 1: take your insults and you served you and you know,

142
00:07:31,880 --> 00:07:32,920
Speaker 1: slap you back with it.

143
00:07:33,120 --> 00:07:33,840
Speaker 2: Yeah.

144
00:07:33,920 --> 00:07:37,280
Speaker 1: Apparently, when you make less than three hundred percent of

145
00:07:37,320 --> 00:07:41,480
Speaker 1: the federal property rate and you go to most nonprofit hospitals,

146
00:07:41,720 --> 00:07:43,640
Speaker 1: they will forgive the amount.

147
00:07:43,920 --> 00:07:44,960
Speaker 2: Oh wow. Interesting.

148
00:07:45,080 --> 00:07:48,160
Speaker 1: The arrogant account representative tried to shame me into paying

149
00:07:48,200 --> 00:07:51,320
Speaker 1: an outrageous price for services rendered and didn't want to

150
00:07:51,320 --> 00:07:53,400
Speaker 1: accept my offer of paying some of the bill.

151
00:07:53,920 --> 00:07:59,800
Speaker 2: So they get absolutely nothing. Yeah, get nothing. Fifty dollars

152
00:07:59,800 --> 00:08:03,800
Speaker 2: for advil, more like fifty dollars for fart. You can

153
00:08:03,920 --> 00:08:12,520
Speaker 2: smell farts and jars just like influencers, coming soon an expert. Okay,

154
00:08:12,520 --> 00:08:16,520
Speaker 2: opie fart jars. It'll be a veggie straw part. Oh

155
00:08:16,600 --> 00:08:18,920
Speaker 2: my gosh. If you're lucky, there'll be a hair in it.

156
00:08:19,440 --> 00:08:20,640
Speaker 2: Oh God, Jesus.

157
00:08:20,720 --> 00:08:24,000
Speaker 1: Don't accept the medical bills that you receive. Fight tooth

158
00:08:24,280 --> 00:08:26,840
Speaker 1: and nail to get it down. And if you're lucky,

159
00:08:27,080 --> 00:08:29,720
Speaker 1: like my wife and I, you just might get it

160
00:08:29,960 --> 00:08:31,200
Speaker 1: all cleared away.

161
00:08:31,640 --> 00:08:35,160
Speaker 2: Wow. I mean, come on, that's beautiful. That's beautiful. That's

162
00:08:35,200 --> 00:08:38,760
Speaker 2: a male finger to the American healthcare system.

163
00:08:39,160 --> 00:08:46,160
Speaker 1: Shout out Op, Holrah, shout to you, Op, great, great advice.

164
00:08:46,240 --> 00:08:48,440
Speaker 2: I mean, I feel like I walked away from the story,

165
00:08:48,520 --> 00:08:51,680
Speaker 2: like like already I'm gonna start negotiate every hospital bill, yeah,

166
00:08:51,800 --> 00:08:55,120
Speaker 2: and everything else for that matter. But you know what

167
00:08:55,200 --> 00:08:58,400
Speaker 2: should never be negotiated on how much you want to

168
00:08:58,440 --> 00:09:02,800
Speaker 2: click that subscribe button. Hit that subscribe button on YouTube,

169
00:09:02,880 --> 00:09:05,600
Speaker 2: follow us on TikTok and Spotify, and if you really

170
00:09:05,600 --> 00:09:07,640
Speaker 2: want to be a real one, support us of Patreon.

171
00:09:07,880 --> 00:09:11,439
Speaker 1: Join Amanda Wilcomb's, Conor van Buren, Keegan Simmons, and the

172
00:09:11,440 --> 00:09:12,560
Speaker 1: og Kathy Quiggley.

173
00:09:12,720 --> 00:09:13,200
Speaker 2: See us soon.