4 ms·
I hate to agree because what the insurance company did is nasty. But you're right. Which is why I'm skeptical of the AMA requirements to cover certain recurren
by irixusr 11y ago
I hate to agree because what the insurance company did is nasty. But you're right.
Which is why I'm skeptical of the AMA requirements to cover certain recurrent health services (annual checkups, contraception). If they're unavoidable than its not insurance!
- matthewmcg 11y agoOne correction: it is the ACA ("Affordable Care Act") not the AMA. The AMA is the lobbying organization for providers. Also, most health insurance plans have always covered checkups, contraception etc. The ACA specifies that these should be covered without copayments and deductibles. This is intended to be an incentive for the insured to get these kinds of preventative procedures instead of waiting till more costly problems develop. This tends to reduce the total cost of care to be reimbursed and (in theory) should lower premiums.
- irixusr 11y agoLol. I was going to call it Obamacare, but I thought it would be needlessly divisive.
- gnopgnip 11y agoIts about the total cost accounting. Many types of insurance offer discounted, or even free services for things that lower your total risk. You get a break on home insurance for having an alarm system. Car insurance will replace the windshield for free if it is chipped. It is cheaper for them in the long run to replace the glass and have people driving with an unobstructed view. Yearly checkups for some insurance plans will actually pay you to go.
- irixusr 11y agoSure, and the same things can be said about contraception. On the other hand an insurance company could argue that since you didn't avoid getting sick/pregnant by going to the check up they're not going to cover it. Which is an absurd way of thinking about it, but there you are.
- tomjen3 11y agoSo that is why repairing glass damage is basically free under my policy - didn't seem to make much sense to me.