Poll not poll: thoughts on
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sonnylax
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Joined: 30 Sep 2003
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Location: Living in a lollipop and unicorn world
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 Posted: 12/01/03 - 14:14 Post subject:
| Cappy wrote: | | So what are you saying. Pregnancy and childbirth shouldn't covered because its a choice, that's such a crock. Some people use insurance more than others, and they should pay more, not covering a valid medical procedure because it doesn't suit your life style doesn't justify not covering it at all. You're making a weak argument. |
Childbirth is not an illness or an accident that health care insurance was originally intended to cover. End of argument. Why should I have to pay for someone else's lifestyle choice? Furthermore, if less folks used insurance, then companies and insurers could pay more in benefits. No one gets a free lunch.. the money to cover additional procedures is coming from somewhere.
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Gogirlgo
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Posted: 12/01/03 - 14:21 Post subject:
Ok, so childbirth and pregnancy shouldn't be covered, because it's a choice. Got it. Should then abortion be covered, you know, to help people...make that choice?
It's an interesting discussion.
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Gogirlgo
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Posted: 12/01/03 - 14:23 Post subject:
Also, just to add .02 to the idea that we shouldn't have to pay for what we don't take part in, I don't smoke. But my insurance will help cover the emphysema for your uncle. I don't ride a motorcycle, with or without a helmet, but my insurance will pay for that big old motorsplat on the highway that needs to be cleaned up with a spatula.
The thing is, group insurance protects those within the group.
I can see your point, but only if we all paid for our own insurance, and in this country, I don't think that will ever happen.
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coachmarkos
my boys could swim
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Posted: 12/01/03 - 14:26 Post subject:
| Gogirlgo wrote: | Also, just to add .02 to the idea that we shouldn't have to pay for what we don't take part in, I don't smoke. But my insurance will help cover the emphysema for your uncle. I don't ride a motorcycle, with or without a helmet, but my insurance will pay for that big old motorsplat on the highway that needs to be cleaned up with a spatula.
The thing is, group insurance protects those within the group.
I can see your point, but only if we all paid for our own insurance, and in this country, I don't think that will ever happen. |
I find myself chanting your username: gogirlgo! gogirlgo! gogirlgo!
and go and I differ on a lot of things...but on this occassion, I agree wholeheartedly!
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Gogirlgo
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Posted: 12/01/03 - 14:28 Post subject:
Aw shucks 'tweren't nothing (she said, secretly pleased)
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Cappy
Excelent
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Posted: 12/01/03 - 14:32 Post subject:
I know its not an accident or illness, I am not arguing that. Your whole argument about a lifestyle choice is lame. Most if not all of us have some type of insurance that we pay into, that we may or may not use. If we need it, its there, if not then you are subsidizing others who do use it.
So by your lifestyle argument, I don't think I should pay for people who get cancer because they smoke or develop liver disease because they chose to or drink. But I have no choice do I. I can't tell my insurance company that I don't want to pay for that. I am paying into a larger group that draws from that.
I for one am thankful for my insurance. Through no fault of my own I developed a chronic, uncurable heart condition, and I have had very little if any out of pocket expenses, save for prescription drugs and doctor co-pays. My insurance has paid over $200,000 to doctors, and hosptial this year. My payroll deductions are going up 45% next year, as a result. No one likes how much insurance costs until they actually need it.
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shelflifers
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Posted: 12/01/03 - 14:36 Post subject:
Well, if you wouldn't have RUN SO MUCH, CAPPY!!!!!!!!!
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sonnylax
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Posted: 12/01/03 - 14:39 Post subject:
| Gogirlgo wrote: | | Ok, so childbirth and pregnancy shouldn't be covered, because it's a choice. Got it. Should then abortion be covered, you know, to help people...make that choice? |
This has nothing to do with abortion, so attempting to shift the argument to something else doesn't work. And no abortion should be covered by health care insurance either.
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sonnylax
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Posted: 12/01/03 - 14:51 Post subject:
| Cappy wrote: | | I know its not an accident or illness, I am not arguing that. Your whole argument about a lifestyle choice is lame. Most if not all of us have some type of insurance that we pay into, that we may or may not use. If we need it, its there, if not then you are subsidizing others who do use it. |
Glad to see that you admitted that fact. So you are advocating that health care insurance should pay for non-illiness or accidents? As long as we are calling a spade a spade, I'm cool with that.
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brie k
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Posted: 12/01/03 - 14:54 Post subject:
I like the idea of some sort of reimbursement for those who chose to live healthy and make sensible choices. Sounds great to me.
As far as the insurance goes, well we pay $200/month for our medical insurance. I realize that part of this money is paying for those people who have cancer, who were in car accidents, and a multitude of other issues. It doesn't bother me. I cannot control it, so why get my panties in a bunch over it? Do I think that surgery should be covered for morbidly obese people? I guess I do, considering that the cost of the surgery may be cheaper than the other medical issues these people may have as time goes on. I've never been so heavy that I worried about my health, so it's impossible to give an educated opinion on this.
I'm glad that our group insurance provides medical care for us, for whatever we need. I'm not an over-utilizer (and this is part of the problem with premiums going up--not just those who have high-priced treatments, but also those who go to the doctor and ER over every minute thing) but I've had my more than fair share of procedures & surgeries.
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elkid
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Posted: 12/01/03 - 15:15 Post subject:
YOWZA! You go home for lunch and the going gets good!
Though I am showing OBVIOUS restraint by not responding to a certain comment 3 doors up, I gotta say this. While I'm not for "pay as you use it" insurance for any reason because you never know what will happen to you in the future, I do think that individuals who choose to exercise, eat right, not smoke, etc. should get a significantly reduced premium rate than those who eat like crap, smoke, and whose sole exercise consists of pushing the Channel Up button on the remote. It's not your fault if you develop a heart condition like Cappy, or you're born with various conditions, or if you get something (like high cholesterol or high blood pressure) despite a healthy lifestyle, but if you smoke and eat yourself into a heart attack/diabetic disagnosis/so-obese-you're-going-to-die scenario, it is. And I shouldn't have to pay for your weakness and lack of restraint.
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RangerG
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Posted: 12/01/03 - 15:40 Post subject:
WOW!!! Do we have a CH style fight here??? 
We had a guy here at work go thru this procedure, and he has lost about 150 lbs so far, and is scheduled next January to get the excess skin cut off. I honestly think it saved his life. He is planning to have me set up a walk/jog schedule for him next spring.
I do wish they would cover lazer eye surgery. I would love to read without glasses....well I could read without glasses....if I hold the menu at arms length 
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elkid
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Posted: 12/01/03 - 15:47 Post subject:
| RangerG wrote: | | I do wish they would cover lazer eye surgery. |
Me and my last credit card statement both agree with you, pal. But since it's considered "cosmetic" it's not gonna happen.
| RangerG wrote: | | We had a guy here at work go thru this procedure, and he has lost about 150 lbs so far, and is scheduled next January to get the excess skin cut off. |
Speaking of cosmetic, is the skin removal surgery covered? I remember a few years back it wasn't.
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Sahara
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Posted: 12/01/03 - 15:56 Post subject:
I think I'm a socialist at heart. I say let the insurance company cover it if it is, in fact, a medical issue... snd that decision is best made between PATIENT AND DOCTOR.
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runaroundsue
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Posted: 12/01/03 - 16:09 Post subject:
| Sahara wrote: | | I think I'm a socialist at heart. I say let the insurance company cover it if it is, in fact, a medical issue... snd that decision is best made between PATIENT AND DOCTOR. |
Sahara---hope you are kidding because the docs would say that 'everything' is medically necessary. Been there...done that.....oh so many, many times. This discussion brings back the good 'ol days to me.
Picture this: I'm a mean underwriter and hubby is a resident doctor. Very heated discussions regarding me not issuing insurance to people
Sonny---years ago.....you did pay for childbirth....it was in the form of a nice underwriter adjusting a little premium to the policy.......in large groups with alot of females in childbearing age it was spread amongst the group.
Point two: ALOT of surgeries are elective---why just pick on childbirth? Why not tonsil, adenoids.......on and on......most surgeries are not for life threatening illnesses.
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