I don't want to pay for health insurance costs associated with anything besides actual costs of medical services for TREATMENT.
Does this sound harsh to all the perma-patients utilizing health insurance dollars to be screened, re-screened, checked, re-checked and all the while explaining why they don't want to pay for the costs of treating the ill because, well, why should they?
People who choose to check, re-check, double-check, and triple check themselves are draining MY health premium dollars.
Physicians feeding this psychological dependence on medical validation of their continued good health are an extraneous cost being borne by the rest of us to support the CHOICE people are making to overuse our medical services industry.
All costs associated with checking and diagnosis should be borne by the consumer. I don't want to pay for the costs of trying to anticipate your illness.
Now, does this sound harsh? I mean, arguing against prevention? Arguing against paying for diagnosis? Arguing against those whose dependency on outside validation has them running to doctors? It does sound harsh, but not as harsh as those who argue that health insurance should ignore the sick because they a) chose to risk their health, b) were unlucky enough to inherit bad health, or c) got too old to remain healthy.
Health insurers love the well, especially the physically well with an undiagnosed psychological illness that keeps them running to doctors to make sure they are...well.
It's cheap, it's popular among those who think they'll defy death, it's cheap.
I don't want to pay for it any more.
If you are getting a check up, pay for it yourself. If you're getting a screening, pay for it yourself. If you're being referred for "possible" conditions through expensive testing, pay for it yourself. If you're sick, then make a claim for health insurance and only then do you have a legitimate claim to the pooled premium funds for treatment.
So let's start with excluding those from health insurance coverage who don't have any need for such coverage...the healthy. Supporting the mental illness of the healthy believing that their health is somehow hinged to having health insurance coverage is idiotic...if you're healthy, you don't need health insurance coverage. Now, if you still think you need health insurance coverage then you have a psychological problem.
Do you think that your screening will PREVENT you from getting ill? Or do you think it will help you "CATCH" something before it becomes a bigger problem? If it is the second, that you are getting screened just in case then why are you arguing against health insurance coverage that is supposed to cover people...just in case? Why would you buy into health insurance coverage that will exclude YOU if you get anything but a perfect report from your screening?
If you can't get treated because you can't afford it, why get tested? Get rid of health insurance coverage for "wellness", if you're well, you don't need health insurance. Any questions?
