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Health insurance was meant to cover unforeseen accidents and illnesses. Most pregnancies are planned in this country, and even when they occur accidentally, an abortion is cheaply available and if they chose not to, they can atleast predict the birth of the child months in advance.
Yet, we still fund a planned, predictable childbirth the same way we pay as if we accidentally skidded off the road, crashed our car and broken every bone in our body; with an insurance claim.
Is it fair? Is it right to make people who chose not to, or are unable to, bare children pay for those who do? Should insurance stop paying for pregnancies and childbirth? And might doing so make insurance cheaper (by passing on the savings in NOT paying for childbirth) to the consumer?
Last edited by Brown Leather Jacket; 11-01-2009 at 09:57 PM..
No one choses to fall down a flight of stairs and break their legs. No one choses to get a heart attack. No one choses to get cancer.
Yet many people chose to have a children.
Is it right to give $10,000 - $20,000 (the average cost of a hospital delivery) to a couple who chose to have a baby, but deny coverage someone who did NOT chose to have a kidney fail?
It's actually a good topic. I don't feel that birth control, ED drugs, or abortion should be covered by health insurance. Those are purely personal "entertainment" activities. Should porn be tax deductable?
I agree that pregnancy is in the same boat. Maybe a high deductable, such that only non-typical births with complications should be covered. If you can't afford to give birth to the kid, how can you afford to raise him/her?
I have no idea what kind of health insurance some of you are talking about, since work health insurance always covers pregnancies and things like that as long as one has an insurance that covers family members. If it's a married woman who has the insurance at work, then it covers her pregnancy. Why shouldn't a health insurance not cover pregnancy? How about colonoscopy, and mammogram? Should health insurance not cover for this procedures?
Now, cosmetic surgery, abortion, and such usually aren't fully covered by health insurance at work. The work health insurance covers for dental and medical procedures, most at 80% of the total cost. The insured pays around 20% for a medical procedure. This insurance is not free. For example, my work health insurance's payments are paid by me every month, regardless if my dependents and I go to the hospital or not.
Well, if that's the train of thought we're going with then why should regular physical exams be covered? You know you're going to go to the Dr yearly, right? You know you'll need bloodwork, a mamogram, etc. Shouldn't you just save up for that?
Well, if that's the train of thought we're going with then why should regular physical exams be covered? You know you're going to go to the Dr yearly, right? You know you'll need bloodwork, a mamogram, etc. Shouldn't you just save up for that?
Because colonoscopies, mamograms and bloodwork are preventative measures meant to detect illness and combat it early.
Because colonoscopies, mamograms and bloodwork are preventative measures meant to detect illness and combat it early.
Having a child doesn't do any of that.
But once a human being is created and still in the womb, there most be preventive care for it so it can live, just like you or me. Then when the child is born, my health insurance (if the child was mine) would cover him or her since the child is my dependent.
Because colonoscopies, mamograms and bloodwork are preventative measures meant to detect illness and combat it early.
Having a child doesn't do any of that.
But your premise is that people are planning to get pregnant, knowing before hand that it will cost, right?
Well, people are planning to go to the Dr yearly, knowing that it will cost to perform these preventative measures. What's the difference?
You're arguing that what people can forsee (choose to do), others shouldn't have to pay for. There's no rule saying you have to get pregnant and there's also no rule saying you have to get regular checkups. Correct? As you said:
Quote:
Health insurance was meant to cover unforeseen accidents and illnesses.
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