Yes, insurance exists for unexpected events, that’s why its insurance. A condom is a cost you willingly accept. And to be honest, primary care often shouldn’t be insurable, but since plans are required to cover it without price discrimination it kills direct primary care- so this is something that has to be accepted. Now, if medicare/medicaid and other programs choose to cover it that’s a different thing, but requiring all plans cover it is dumb. But I guess plans don’t really have to compete that much on price and value-added that much anymore post-ACA anyways
As I said in theory insurance shouldn’t cover primary care, but this is required post-ACA, and I think before too but I’m not sure starting from when. I think direct primary care could be great(but there are also otherways to do it, like optional primary care insurance).
For some preventative things insurance would choose to cover it if it weren’t required to save them money in the long run.
Yes, insurance exists for unexpected events, that’s why its insurance. A condom is a cost you willingly accept. And to be honest, primary care often shouldn’t be insurable, but since plans are required to cover it without price discrimination it kills direct primary care- so this is something that has to be accepted. Now, if medicare/medicaid and other programs choose to cover it that’s a different thing, but requiring all plans cover it is dumb. But I guess plans don’t really have to compete that much on price and value-added that much anymore post-ACA anyways
Then insurance should also not cover things like breast exams and colonoscopies, right?
They are not unexpected events.
As I said in theory insurance shouldn’t cover primary care, but this is required post-ACA, and I think before too but I’m not sure starting from when. I think direct primary care could be great(but there are also otherways to do it, like optional primary care insurance).
For some preventative things insurance would choose to cover it if it weren’t required to save them money in the long run.
You didn’t answer my question.
Should breast exams and colonoscopies be covered by insurance?
I did answer, I think that should be negotiated between the insurer and insuree, and should not be required to be covered.
Got it. You want to cost everyone more money in the long term.
Every new case of breast or colon cancer that isn’t caught early raises everyone’s premiums. You know what prevents those? Breast and colon cancer.
You know what costs taxpayers a lot of money? Unwanted kids.
So your “let’s have everyone pay more money rather than have insurance do basic preventative care” plan still makes no sense to me.