Who expects their auto insurance carrier to pay for windshield wiper replacements? Or a car wash? Or replacing the spark pugs? Or replacing the tires?
The answer is no one. And yet when it comes to health insurance, people expect every hangnail, runny nose, dandruff remedy and upset stomach to be covered by their medical insurance. This is ludicrous.
Most routine visits and maintenance of your body and health should be borne by the patients themselves, not the insurer or taxpayers. Only catastrophic health problems that can bankrupt people should be considered for coverage.
Trying to provide insurance coverage for every visit to the doctor or pharmacy is what is driving the insurance costs, and therefore the medical costs, through the stratosphere.
The more the government-needs-to-fix-it mentality prevails, the harder it will be to accomplish. Insurance was never meant for routine losses. It was designed to cover catastrophic losses in high risk situations.
But it has strayed so far from that premise, that the government trying to drive the proverbial square peg into the round hole, while never work.
Stop trying to be everything to everyone for every situation. Then, and only then, will we see a solution to this problem come to be.
The answer is no one. And yet when it comes to health insurance, people expect every hangnail, runny nose, dandruff remedy and upset stomach to be covered by their medical insurance. This is ludicrous.
Amen, Amen, I say unto you, AMEN!
But if your auto insurance policy also covered a catastrophic engine failure, the company would probably insist on covering some routine maintenance items like oil changes. This is probably a better parallel to health insurance. Yes -- your health insurance should cover only major costs and catastrophic events. But the insurance company would really want to cover itself and stay on top of its customers by covering "routine maintenance" -- so big problems are discovered and addressed early on.