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originally posted by: Aazadan
They do so for a reason. Preventative car is far cheaper to society than catastrophic coverage and results in a healthier population. For this reason standards were written that insurance needs to cover routine visits.
What would you suggest is the solution? By you choosing to not go to the doctor as often you are increasing the illness in your risk pool and thereby increasing the premiums of everyone else in order to save yourself a buck. Is that fair to the rest of society?
originally posted by: JohnnyCanuck
a reply to: xuenchen
Still counts as bull# to the rest of the civilised world.
originally posted by: Aazadan
originally posted by: JohnnyCanuck
a reply to: xuenchen
Still counts as bull# to the rest of the civilised world.
To be fair, the rest of the civilized world isn't paying our health care costs. The real costs don't come in treatment but in R&D. Most of the world is content to take our patents and produce their own generic drugs while we pay to create them.
If a disease results in a catastrophic burden but hits 1 in 1000 people, everyone having insurance means that 999 people are paying for coverage that they are never going to use.