Madeline
Rookie
- Banned
- #21
Isn't that what insurance is for? If you paid for a catastrophic policy that covered transplants on 100 year old and you need a transplant at 100, then what's the problem? If you get really sick that's what it's there for, isn't it? What insurance should not be covering is doctors visits, routine checkups, etc.
If I wreck my car to the tune of thousands of dollars my insurance covers it. They don't cover oil changes and yearly inspections because that would drive the cost of car insurance through to roof.
Extending life beyond the 100 year marker is an anomoly. Just how long did you wanna live, Zoom-boing? Why should insurance set aside huge dollars for your heroic care at that advanced age and deprive the young of access to ordinary preventive care?
This seems to me the very height of selfishness...and hubris. You live to 103 on your own steam, great. You need millions of dollars of heroic care to live that long, pay for it in cash or die.
We all die. I dunno why we have the fixation with long life that we do, and I see no reason to steal from the young to fuel it.
If I've paid the money for a catastrophic policy and my doctor and I think it's a go (I can't imagine this, just putting it out there), then why shouldn't my insurance cover it?
If doctor's visits and yearly checkups and mamograms weren't covered (comparing it to routine maintenance on your car), don't you think the cost of health insurance would come down? Don't you think doctors would then be forced to compete with each other and prices would come down? If I could shop around for a better doc at a better price, I would. I can't do that now; I have to shop around and go to whoever takes my insurance. Seems backwards to me.
fwit, I'm planning on living to 100 all on my own. heh
Why not? Because 9 times out of 10, the patient either does not want the care or cannot consent to it -- we have a strong bias in favor of "doing everything" in this country that is inhumane and insensible when it comes to the very aged.
Few people wanna circle the drain for a decade or more, but modern medicine makes that possible.
We are so irrational about death in the US.