Chiropractors.
Even though this is top comment, this is an underrated answer.
People always chime in with stories about how chiropractors helped them with XY and Z problem they were having.
And overall I don’t doubt them. There’s a lot of things that can go wrong with your spine or other joints, and I’m certain that some of them can be addressed by physically manipulating and adjusting it.
But the basic premise of chiropractic treatments is that basically all human ailments can be fixed in that way, which should sound like total bullshit to anyone with half a brain. And that’s before you get into all spiritual nonsense that pervades a lot of the field.
Now some of them understand that that’s a load of bullshit and may even be realistic about the things they can treat, but it can be pretty damn hard to sort them out from the ones who think that your pancreatic cancer is caused by ghosts in your spine and they know how to get them out or some bullshit like that.
Now if you have a good idea what your issue is and what needs to be done to fix it, take the time to carefully vet your chiropractor to make sure they’re not going to try some crazy bullshit on you, you very well may be able to get a decent treatment from them. Maybe you’ll even be able to save some money going with that.
But for most of us who aren’t doctors and so only have kind of vague ideas what exactly the issue is and that the treatments we’re doing actually make any sense, and don’t necessarily have time to do all of that research and carefully vet that the person treating them isn’t secretly a quack, you could just get the same sort of treatments from actually physical therapists, orthopedists, physiatrists, etc. with the added benefit of them actually understanding the issues and how to fix them properly.
Chiropractors are kind of like the rednecks of the medicine world. Some of them know exactly what they’re doing with that harbor freight welder, they may not do things by the book but they know for certain what works and what doesn’t and more importantly know when something is beyond what them and their buddies can accomplish on a free Saturday with a case of beer and when they need to suck it up and limp their truck to the shop and let a professional deal with it. Others know just enough to be dangerous and while they can get the job done 90% of the time or at least not make things worse, that 10% of the time something is literally going to blow up in someone’s face. And still others are just meth heads looking to make a quick buck and it’s a miracle they’re not behind bars. And when you see them hanging around the local watering hole, it may not be totally clear which is which until it’s too late.
The entire industry is built on catering to the vast swaths of women who get ignored by doctors and need somewhere to turn.
I highly suspect doctors are taught in medical school, “women are over emotional and prone to exaggeration.”
Hell, “hysteria” was considered a valid diagnosis until the 1950s.
This guy gets it. Chiropractors are a scam, but scammers are drawn to people who “fall through the cracks” because they’re treated like their problems don’t actually exist. Finally, they meet someone who takes their pain seriously. It’s too bad the person who takes it “seriously” is a fucking charlatan.
It falls harder on women, who have more instances of pain that are ignored by the medical community, partially from the history mentioned above, claiming women must be experiencing “hysteria.”
It absolutely happens because of the failings of the medical community.
I was suffering from hyperemisis last year and it took 3 doctors before I finally found one to take me seriously, which I consider it lucky it only took 3. The last doc I was practically on my hands and knees begging them to take me seriously.
In the middle of all that I also ended up with pneumonia. Normally I never get sick so I was like wtf is going on. But anyways, a doctor finally took some chest x rays and 2 weeks later they call to tell me that my X-ray was clear. I. Went. Off. I ended up having to go to the ER 2 days after the doctor visit because I could no longer breathe, it was so painful. How is it possible that my x ray was clear??? Then another week goes by and the assistant calls to tell me that I do have pneumonia and a prescription has been sent in. I just hung up and filed complaints with everyone I could. That office was a hot mess.
Not all chiropractors are the same, but not knowing who’s who is dangerous
There are physical therapists who know the actual manipulations that work and use them as needed for treatment. It’s the best of both worlds.
Private health insurance is the biggest fucking scam ever. The private insurance companies benefit by getting the aggregate healthiest population into their plans (working adults). The most likely to be expensive people, i.e. old people (on medicare) or poor people (on medicaid, or not even on an insurance plan) are on government, tax payer insurance plans. There is literally no reason except for corporate profiteering that Medicare should not be expanded to cover all people.
Also all those conversations, especially in the 2020 election period, were totally bullshit. You say something like M4A will cost 44 trillion dollars or whatever, which sounds like an insane amount of money. What is often left out of the discussion is that estimated cost was 1) over 10 years and 2) has to be weighed against the current costs we already pay for insurance. So the deal was very simple: the overall costs would go down because the overall spending would be less, and at the same time millions of people without coverage would be covered, and at the same time you don’t have to contemplate stupid bullshit like in network, out of network providers. Or ever again talk to your insurance about why something is or isn’t covered. Boils my blood when I think too much about this.
Not even gonna weigh in on things like how medicare can’t negotiate prescription drug prices (https://www.nytimes.com/2023/07/23/us/politics/medicare-drug-price-negotiations-lawsuits.html), or how dental, vision, and hearing are treated separately from general healthcare, or how med school is prohibitively expensive, or how the residents after med school are overworked because the guy who institutionalize that practice was literally a cokehead. Those are all just bonus topics. The point is we are getting fleeced.
The only instances where privatized offerings may work IMO is if the government themselves are the competition, acting as a “control”.
Without a stable control that has the sole purpose of serving the people, fully privatized offerings will just squeeze more money out of already stretched households for profit as you’ve said… which is the case for practically everything RN
NoYeah no. Get out of US bubble.
Private and public are both viable models of operations with some applicability overlap. Private doesn’t necessarily pursue profit first, despite US literally enforcing it.
Basic needs that are either unchanging or change very slowly are the purview of public policy. Healthcare, infrastructure, etc. Privatize it and you’ll have a catastrophe.
Basic needs that benefit from variation and supply elasticity with a necessary baseline is where hybrid model works well. Public entrepreneurship provides variation, regulations or public enterprises cover baseline. Agriculture is a great example of such overlap. Private-only agriculture leads to profiteering on basic human need. Public-only agriculture leads to famines due to incompetence, malice, or lack of elasticity.
Desires that people can live without and can change on a whim is where private innovation thrives. Be it a product to sell or a charity project to pursue. Some of the results of said innovation can and will become matters of public interest. Forbid private enterprise here, and you’ll end up in a bleak reality of North Korea.
We literally had a case of “public everything” half a century ago and it didn’t fucking work. It needed serfdom and insane amounts of natural resources to prop itself up. It also left a mafia-led capitalism in its wake.
We also have a live case of blind trust in markets, as if information was immediately available everywhere. It leads to a very similar looking outcome.
Private insurance (for the average person) in general is dumb. We have a collective need to insure various things against disaster, and realistically the federal government shells out huge amounts for most disasters anyways (after the so called insurance companies go bankrupt).
So why the heck are we paying a premium for all of the overhead of the insurance companies?! It’s this massive inefficient system that doesn’t work, while the “government as insurance” system works great, and doesn’t require nearly as much overhead. There’s no room for private sector insurance to inovate, because there’s nothing to inovate on; IMO, the private insurance industry contributes nothing of value to society except jobs that it pays for by forcing everyone to engage with it.
The insurance industry in general is betting you’ll be fine, and you’re betting “maybe I won’t.” It’s extra bad for medicine because they stick their head even into the small stuff, not just “I need a 10,000 unexpected hospital bill covered.”
Probably gonna anger both sides here, but I see both private insurance and single-payer healthcare as equally-evil scams. Why not focus on driving down costs of healthcare (i.e. EVERYTHING) so that you throw a couple bucks at the receptionist to cover your surgery then check to see if you have enough for a post-surgery soda?
One of the objectives of single-payer is to drive down the costs of healthcare by eliminating the overhead of an insurance bureaucracy. There are other aspects that can be considered like nationalizing hospitals to eliminate private run, for-profit hospitals. People like this https://en.wikipedia.org/wiki/HCA_Healthcare are just as responsible for the high per-capita costs of healthcare we pay as are the insurance companies. And I agree with you, they shouldn’t be getting a guaranteed government handout.
The stock market and publicly traded companies. The idea that a business that is making consistent profits isn’t good unless those profits are increased each quarter is asinine. This system of shortsighted hyper focus on short term quarterly growth for the sake of growth is the cause of so much pain and suffering in the world. Even companies with amazing financials will work to push workers compensation down, cut corners and exploit loopholes to make sure their profits are always growing. Consistent large profits aren’t good enough.
My personal top 3:
- insurance
- subscriptions
- Google and similar data hungry companies (while not a financial scam but moreso a privacy scam, companies like Google and Meta profiteering on our personal data without our knowledge or awareness)
Technically insurance only works if everybody pays in. Wouldn’t work as a concept if every tom dick and harry could pay them $100 then a week later need $100,000. They’d basically be out of business right quick with nothing to provide for anyone. Maybe as some believe it should just be provided through taxes, but it’s certainly not a scam.
The scam part comes when you are forced to fight tooth and nail to get money from them even when you are clearly covered
This. I got a detailed bill for a minor surgery, every single value was under the value of their own detailed coverage, and they still didn’t pay back around 12% of the value and never justified what the difference was about. They did it because they know I won’t fight them on it and they do it to everyone. That objectively and legally makes their detailed coverage a scam.
It’s true insurance companies need to take in adequate premiums in order to have the money the money to pay claims. And when done in balance, insurance is a great thing. Not all insurance in a scam, no doubting that.
But the current state of insurance, especially health insurance in the US, shows that these companies are making massive profits. How does this happen? Literally one way: They take in more premiums than they pay out in coverage. How? By either knowingly overcharging people or skirting out of paying covered claims through other means (such as baseless rejections).
That’s the problem with the entire insurance industry and why it must be properly regulated in any industry: It is a race to the bottom. The worse the insurer treats the people that buy insurance from them, the better the company does financially (charge a lot, pay out a little). Mix in the fact that (1) you cannot shop around at the time you need a claim and (2) the contracts are so intensive only a sophisticated legal team can interpret them, and it’s a recipe for disaster.
So you’re right that all insurance isn’t necessarily a scam. But if you can’t see that the US health insurance industry raking in profits shows serious dysfunction that could be considered a scam, it’s worth taking a second look.
Nobody works for free. In order to be a large effective and not out of business business you need to have a profit to cover overhead like staff.
But the problem is that medical costs are only as high as they are because of insurance. Hospitals started making up fake, artificially high prices because insurance companies wanted a discount for referring patients to their hospital.
I’ve heard many a tale of contacting the billing department and telling them you don’t have insurance and either they can get what money they actually need or none of it. They end up getting a much smaller bill.
Hold up don’t forget that in the US, healthcare providers base their pricing on what they will receive after insurance discounts. This creates a massively overinflated market where most of the value is made up and a large portion of actual payments goes to insurance and corporations
Subscriptions.
People pay every month but most don’t use the sub to it’s full value, and forget how expensive it becomes over the years. And you don’t own anything on a subscription, you just borrow it.
Also trial periods that prolong automatically into subscriptions.
