
Originally Posted by
AustinFromSA
Yeah. I totally see what you're saying, but a $300 bump for a healthy baby? Something wrong with that picture. Really pisses me off when we cost the insurance companies NOTHING being that we never get to use the benefits. Even paid for her birth 100% out of pocket since we used a midwife. We of course have it in case something catastrophic happens like we get nailed with cancer or get in a bad accident.
One thing's for sure, medical insurance is NOTHING like property or auto insurance. Do you make a claim to get your oil changed, do routine maintenance, or repair a crack in your windshield? Nope. You typically save it for major things like body repair after an accident. And when you do use it, or prove you're an unsafe driver, your rates can go up. Whereas in the medical world, you can live a healthy lifestyle, be in perfect shape, never have a claim, yet you can pay through the nose while Joe Fatso who smokes, eats like crap, and lives on the couch can qualify for cheaper rates. It ain't right I tell ya.
I agree that the system is fucked, no doubt. And the fact is, these days most policies feel like what we used to call "major medical", where the policy is worthless unless you have a potentially bankrupting medical issue. I mean, what good does a policy with a $1500 deductible do for me in a regular year?
But you also can't do it like car insurance, because the person with cancer could never afford insurance in that situation. Single payer is really the only option, it's the only one that makes sense at the end of the day if you want to live in a decent society.
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