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Another flawed poll with too many in-between possibilities. The contrary of 'yes, cover elective procedures' is not 'no, only cover catastrophic events.' Are you saying a yearly physical checkup is an elective procedure? And catastrophic leaves out all the medical visits for minor injuries and ailments. My kid got poison ivy. Sorry, not catastrophic! Ear infection. Not catastrophic!
Many medical procedures are elective in that the patient has various options to choose from, or do nothing. For example, a back injury, in which a neurosurgeon may inform the patient of conservative treatment of PT, or aggressive treatment like surgery. Each has pluses and minuses, and the patient elects which treatment to have. It's elective because it's scheduled in advance and not an emergency. Many medical procedures fall under this broad category.
Some elective procedures will have no physical impact on the patient's quality of life if they are not done. Most cosmetic surgical procedures are considered not to have an impact on the person's physical well-being. Not getting a nose job won't impact your health (assuming it's only for aesthetic reasons, not for nasal defects). Purely aesthetic cosmetic surgery is typically not covered by medical plans not merely because the patient elects to do it, it's because it's cosmetic, not medical.
Pregnancy is a medical condition that has significant impact on the woman and her health if it continues to term. Women who continue to term are willing to accept these health conditions, and women who abort aren't. Both are options available to the pregnant woman, she elects which way the pregnancy will go.
Let me ask you: are you for or against insurance coverage for breast reconstruction after mastectomies? Why, or why not? What about coverage for vasectomies?
Another flawed poll with too many in-between possibilities. The contrary of 'yes, cover elective procedures' is not 'no, only cover catastrophic events.' Are you saying a yearly physical checkup is an elective procedure? And catastrophic leaves out all the medical visits for minor injuries and ailments. My kid got poison ivy. Sorry, not catastrophic! Ear infection. Not catastrophic!
Many medical procedures are elective in that the patient has various options to choose from, or do nothing. For example, a back injury, in which a neurosurgeon may inform the patient of conservative treatment of PT, or aggressive treatment like surgery. Each has pluses and minuses, and the patient elects which treatment to have. It's elective because it's scheduled in advance and not an emergency. Many medical procedures fall under this broad category.
Some elective procedures will have no physical impact on the patient's quality of life if they are not done. Most cosmetic surgical procedures are considered not to have an impact on the person's physical well-being. Not getting a nose job won't impact your health (assuming it's only for aesthetic reasons, not for nasal defects). Purely aesthetic cosmetic surgery is typically not covered by medical plans not merely because the patient elects to do it, it's because it's cosmetic, not medical.
Pregnancy is a medical condition that has significant impact on the woman and her health if it continues to term. Women who continue to term are willing to accept these health conditions, and women who abort aren't. Both are options available to the pregnant woman, she elects which way the pregnancy will go.
Let me ask you: are you for or against insurance coverage for breast reconstruction after mastectomies? Why, or why not? What about coverage for vasectomies?
Physicals and other "routine" office visits should be paid OUT OF POCKET.
This is one of the reasons insurance is so expensive. Most states will mandate what the insurance company has to cover which drives up the cost of the insurance. Setting aside the religious debate about the contraceptive mandate if an insurance company has to cover this the cost of the insurance plan goes up for everyone.
Certainly a plan you can afford that is going to cover major expenses would be preferable to no insurance at all. A plan that covers everything means nothing when you can't afford to pay for it.
Physicals and other "routine" office visits should be paid OUT OF POCKET.
Ok, so that's your opinion.
It's clearly not the wishes of the majority of the populace. Insurers gain a competitive edge by offering more, not less. Look at the trend of longer car warranties that cover more things, even routine maintenance, and extended warranties on other goods. People are willing to pay up-front or on a regular schedule to avoid big, uncertain bills at uncertain times. Do you think you can reverse that?
Personally, I opt for a plan with a large deductible and it pays 70/30, yet I still get yearly checkups 100% covered. I had the option of an HMO that would reduce out-of-pocket expenses for visits, but the premium was much higher. But I know many people, especially those with health issues (I'm fairly healthy) prefer more coverage, and I don't fault them, nor do I say what they "should" have.
It's clearly not the wishes of the majority of the populace. Insurers gain a competitive edge by offering more, not less. Look at the trend of longer car warranties that cover more things, even routine maintenance, and extended warranties on other goods. People are willing to pay up-front or on a regular schedule to avoid big, uncertain bills at uncertain times. Do you think you can reverse that?
Personally, I opt for a plan with a large deductible and it pays 70/30, yet I still get yearly checkups 100% covered. I had the option of an HMO that would reduce out-of-pocket expenses for visits, but the premium was much higher. But I know many people, especially those with health issues (I'm fairly healthy) prefer more coverage, and I don't fault them, nor do I say what they "should" have.
Extended warranties on cars are paid out by INSURANCE companies that are "betting" that you will never file a claim. That is how they make money. Insurance companies are not in the business of health care delivery. They are betting FOR you being healthy and not needing a covered illness.
I too chose an insurance policy with a $5000 deductible because the premiums are lower. I have to pay for office visits out of pocket since I will never cover the deductible before insurance pays.
Yeah, the fact that insurance companies are for profit corporations with shareholders has nothing to do with anything, does it?
I would imagine most insurance companies support mandates like this, they don't make any money if you're paying for the contraceptive yourself. By making it law they have inserted themselves as the middleman and they rightfully can justify increasing rates because of the increased costs.
This is one of the reasons insurance is so expensive. Most states will mandate what the insurance company has to cover which drives up the cost of the insurance. Setting aside the religious debate about the contraceptive mandate if an insurance company has to cover this the cost of the insurance plan goes up for everyone.
Certainly a plan you can afford that is going to cover major expenses would be preferable to no insurance at all. A plan that covers everything means nothing when you can't afford to pay for it.
I rarely see a logical argument that advises against preventative care for fiscal responsibility. By removing contraception from coverage, for example, how do you think the costs are going to come down? From denying coverage for any complications from contraception that the person may have paid for? From more unwanted babies being born and requiring more health care services (among others)?
Being penny wise and pound foolish doesn't have to represent Fiscal Conservatism.
Quote:
Originally Posted by Cavaturaccioli
Like abortion?
Or, like giving birth. It is elective procedure as are many many procedures. That begs the question, which bureaucrats do you want to decide what is elective and what isn't?
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