For anyone not living in the permanently-fucked US, an explanation: your health insurance covers you for "in network" doctors at an "in network" hospital. If you go to an "in network" hospital you would assume (wrongly) that you are fully covered. But no. Some random anesthesiologist can come into your room, provide their service for 20 minutes, and stick you with a $5,000 bill because they are "out of network". And you have ERISA insurance and you are just plain fucked.
Anyone getting health services in the US must hang a sign on their door saying "In Network Only". I'm 100% serious. Every person that walks in your room must be vetted. And good luck if they can't find an "in network" surgeon for that emergency service or whatever.
Everything you're saying is partially correct, but it heavily depends on the specifics of the plan. FAANG companies, in particular, typically have extremely generous PPO plans that offer 0 co-insurance and broad networks. You're correct that, out-of-network, balance billing may occur, but Amazon's plans have networks so broad that this is unlikely to happen.
In addition, if you look at Amazon's plan documentation, they also offer a Kaiser HMO for which none of this applies.
There's a lot that can be improved around price transparency, but Amazon is one of the few companies that offers Cadillac gold-standard insurance, and because ERISA requires that all employees receive the same benefits, this extends to their full-time warehouse workers too.
> Amazon's plans have networks so broad that this is unlikely to happen
I mean, this doesn't sound reassuring you know. "unlikely" and "depends on the specifics". That's kind of the problem. No one knows what is covered and what is not. Billing in the US is this labyrinthine thing where hospitals, doctors, and insurance all seem to be making it up as they go along in conjunction with whatever they feel are the laws and whatever they feel like they can get away with. Leaving it up to the patient to appeal after appeal after appeal on a flood of bills they will receive, depending on their operation or service.
You can't even get a detailed bill out of some of these places. The doctors vanish and you're literally stuck talking to one of those robocalling bill collector agencies, which probably has a PO Box in fucking Alaska. It's shady as hell. All of it.
All that being said...
> I mean, this doesn't sound reassuring you know. "unlikely" and "depends on the specifics". That's kind of the problem. No one knows what is covered and what is not.
The "likelihood" of this happening, while probabilistic, isn't purely random. I found this tweet by a health policy expert to perfectly capture the status quo: https://twitter.com/CPopeHC/status/1234510323425652737
"American healthcare in short: ~60% (in good employer plans, generous state Medicaid, or M.Adv/Medigap) have the best healthcare in the world. ~30% have insurance with gaps/risk of big bills. ~10% uninsured must rely on uncompensated care, go without treatment, or risk bankruptcy
The strength of M4A proposals is that they begin with an understanding that the 40% exist and need things fixed. Their weakness is that they pretend that the 60% don't, and threaten to take away what they have."
Amazon is, pretty reliably, part of that 60%; it offers some of the best employer health coverage out there. Like, it doesn't even compare to public health plans in a lot of the world.
All of the problems you brought up (labyrinthine systems, appeal processes, bill collector agencies in Alaska) are real problems that you and I agree need to be solved, but they're also problems that don't afflict beneficiaries of generous plans paid for by rich companies, and that's what we're talking about in the context of Amazon Warehouse workers.
That said: prereq is you’re bonkers smart.
Meh. I went to an Ivy league, as did my sister. My wife was a grad student at Stanford. My classmates were clever, but they weren't that smart! The standardized test scores can be improved with work.
As for standing out with your essay and CV, I remember a talk from an admissions officer from Harvard. His take was that it's easy to stand out from 99% of students just by actually doing real, substantive work. He wasn't talking about the stuff that's designed to be a student CV stuffer to impress admissions. Do actual, substantive work.
Something like a substantive contribution to a scientific field. Amateurs can still do this. Maybe run a real business. The example this admissions officer gave was someone who dropped out of High School, got a GED, then started repairing motorcycle engines. Then, you also need to make sure your essay is well written, which is another skill which can be learned. Relate your experience back to the academic opportunity, and how this would enable you to benefit society.
There is a problem with this way of thinking of admissions: If you do pursue it in earnest, you might well decide to skip university entirely.
I went to an Ivy coming from an inner city public school and I found it a big culture shock in terms of both how well behaved people were in classrooms and also how quick/smart people were to grasp what I was saying and build on it. By the time I was a senior, I had lapsed to the "people here actually aren't that smart" line of thought - but I wonder if I just got used to being around more intelligent people.
The "not smart" people are the latter category: they can still pick things up quickly, but they viewed getting into the institution as the last hurdle they'll have to go through in order to be set for life. They just coasted and got Cs and didn't really care about learning new stuff because they knew the university's name on their degree alone would land them some cushy PM job where they wouldn't need that pesky coding ability every again).
It was actually infuriating because I really enjoy CS and getting paired up with these folks who were born with a silver spoon in their mouths but didn't care was disappointing. Most of them were uncomfortable with the mental struggle of doing difficult group projects, often just showing up for the "design session" but skipping out on most of the coding. I made a lot of enemies out of them when I told the profs to look at my (GPG-signed) git commits and consider how they want to distribute grading points.
I laughed. Did it change something in the end?
I learned most of the "defensive git" tricks during this time because I caught one of these guys trying to rewrite history to claim credit for my commit. That guy got referred to the university's "ya dun messed up bigtime" committee (I forget the actual title) and I think he was kicked out for academic dishonesty. Ever since then I gpg sign all my commits!
Great. It's one thing not to do anything (and get penalized for it accordingly) but trying to claim ownership is a whole new level.
There's an expensive way of protecting one's work: have an individual oral quiz on the code that was written.
I've met people who I would describe as "bonkers smart", as the comment I was replying to had it. That is, people who are literally 2-3 times faster at getting to the next step, and just leave the entire room behind, when the room contains a dozen graduate students. They are not that common, even in a place that's supposed to be populated by the intellectual elite.
how well behaved people were in classrooms and also how quick/smart people were to grasp what I was saying and build on it
These are just skills/habits that can be learned!