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"Health insurance companies, in general, absolutely will not reimburse for preventative measures" Of course they don't. It's tautological. Insurance companie
by rsync 11y ago
"Health insurance companies, in general, absolutely will not reimburse for preventative measures"
Of course they don't. It's tautological. Insurance companies by definition do not insure against regular, predictable expenses.
A car insurance company will never insure you for new tires and a health insurance company will never insure you for regular, recurring wellness checkups. Because math.
Yes, sometimes they say they will, and sometimes such a reimbursement actually occurs, but make no mistake - that is never a claim payment and basically amounts to fee for service. You will not receive claim payment for items like this - they are not underwriteable.
- schoen 11y agoThese things can be interpreted as interventions by the insurers to lower the insured parties' risks that could result in claims later, akin to a fire insurance carrier's possible willingness to buy you a fire extinguisher if it calculates that that its resulting expected liability will go down by more than the cost of the extinguisher. Alternatively, you could view the physical exam as a genuine insurance claim because not all insured parties actually take advantage of all the preventative services that they're theoretically entitled to under their policies. I've had years where I didn't get a physical exam or dental exam that my policies would have allowed me to, and so have many other people (but the carriers still got paid the premiums for those years!). If the carrier makes actuarial estimates of the likelihood of people not using those services, it's pretty solidly back in insurance territory!