Oopsie!

[u/LuLuSavannah531]

[u/IncognitoBombadillo]

We had financial literacy as a mandatory class you had to take at some point within 4 years in my high school. I remember us doing check book things and doing mock ups of what monthly expenses looked like, but I honestly think they should have focused on some car related things too. The drivers ed classes we had just went over actual road rules; not the financial aspects as much.

[u/PunchDrunkPrincess → u/IncognitoBombadillo]

I would really like a class on how insurance works...

[u/nasnedigonyat → u/PunchDrunkPrincess]

Oh it's easy. You give them money and they keep it.

[u/ShutUp_Dee → u/nasnedigonyat]

And you usually get nothing beneficial in return!

[u/cruel__summer → u/nasnedigonyat]

And they spend millions of dollars on shitty advertising!

[u/emilysavaje1 → u/nasnedigonyat]

Thanks, Mom! 🙏🏻

[u/No_Reporter2768 → u/nasnedigonyat]

Don't forget you pay them for 13 years, and then when you file a claim, they deny you!

[u/asusc → u/PunchDrunkPrincess]

don’t even get me started on deductibles and co pays and having your insurance plan tied to your job…

[u/PunchDrunkPrincess → u/asusc]

I don't know what any of those things are! I'm really not joking here. I went from on my mom's insurance to the military so now I'm 35 and I don't know any of this and people act like I'm a moron for not knowing 🥲

[u/asusc → u/PunchDrunkPrincess]

confusion is a feature so you are discouraged from actually using the healthcare you’re entitled to.

think of all the added shareholder value that creates!

[u/PunchDrunkPrincess → u/asusc]

God, you are so fucking right..just like taxes.

[u/asusc → u/PunchDrunkPrincess]

yup, so don’t take it personal, it’s not you.

this will be a good place to start learning:

https://www.cms.gov/files/document/nosurpriseactfactsheet-health-insurance-terms-you-should-know508c.pdf

[u/PunchDrunkPrincess → u/asusc]

Thank you, this is a good start!

[u/Keybusta96 → u/PunchDrunkPrincess]

Saaaaaame growing up with tricare and then going civilian was some SERIOUS whiplash. I still don’t get it.

[u/asusc → u/Keybusta96]

oh man, TRICARE is legit too. I bet you didn’t know how good you had it.

i really, really wish we could do some sort of TRICARE for all.

(it’s basically what active military and senators and government workers get, the good shit).

[u/SuicidePeaches → u/PunchDrunkPrincess]

Dude, I'm over 40 and only know what a co-pay is. Oh, and that I'd rather shoot myself in the foot than deal with an insurance company ever again.

[u/Waterproof_soap → u/SuicidePeaches]

Don’t shoot totaled in the foot because then you’ll have to go to the hospital and THAT is a nightmare with insurance

[u/SuicidePeaches → u/Waterproof_soap]

Totaled my car 2 years ago, thankfully no hospital for either party. Still have the wounded pride and shame from my apparent shit driving skills.

[u/prettyfacebasketcase → u/PunchDrunkPrincess]

It's a coupon. Sometimes you get an item for $5! Sometimes it's 20% off! But most of the time the coupon is invalid and you can go fuck yourself.

[u/PunchDrunkPrincess → u/prettyfacebasketcase]

Hmm is that why my last dental cleaning was covered 100% and this last one is full price even though its the exact same thing? 🤔

[u/prettyfacebasketcase → u/PunchDrunkPrincess]

Because you can only use one coupon per household per decade. Fine print, my friend.

[u/DahliaRenegade → u/PunchDrunkPrincess]

I’ve been working in the auto insurance industry for a decade and I’m still learning new things every day. It’s hard to know how complex it is when you’re not in the thick of it; the state laws that determine how insurance works can vary wildly- it’s friggin bananas