If you want to choose a plan that covers it fine, but plans without it should be available. Covering everything under the sun is a big part of why insurance is so expensive.
Insurance and IVF
- Thread starter simply1
- Start date
Spreading the risk is the point of pooling insurance. You can’t just exclude heart attack coverage.
But everyone has the chance to have a heart attack. Take someone like a priest, why should he have a plan that has fertility benefits? Having a family is a choice. Some may not want a family and are adamant about it.
I’m sure you can think of medical conditions that apply to some groups and not others. I know I can.
**** insurance. It exists to make a profit, just like every other company.
I have 2 children both were IVF. We paid exactly zero dollars because my wife happened to work in high-risk OB during the time when we were trying to have kids. It wasn't even billed to insurance.
I have 2 children both were IVF. We paid exactly zero dollars because my wife happened to work in high-risk OB during the time when we were trying to have kids. It wasn't even billed to insurance.
And that’s a condition that affects their health if I understand what you are saying. Not to have a family.
Just saying not everyone can get testicular cancer, for example, but everyone still pays to cover it. There are other similar health conditions that not everyone can get, but we still cover.
Someone's body not working in a way that allows them to reproduce is part of their health, as is any treatment that helps manage that.
Those with a family have to pay premiums for an entire family. Those with only a spouse pay premiums for only a spouse. Single people pay for themselves.
People with successful IVF treatments pay the premium for it.
Everyone can get reproductive tract cancer though testicular for men and ovarian for women.
Cyclonepride
Thought Police
The people who complain about out of control insurance costs also seem to think that it should cover everything. Well, there's a cost to that. Each person should be responsible for their own decisions about their risks (and their own outcome of those decisions).
I will preface these replies with I’m in favor of IVF and don’t have any issues with insurance covering it, I just think it’s something people should be able to opt out of on their insurance.
That’s a condition that alters their ability to live. They aren’t making a choice to have cancer or not have cancer, whereas having a life of celibacy guarantees that you won’t have a kid.
That’s a condition that alters their ability to live. They aren’t making a choice to have cancer or not have cancer, whereas having a life of celibacy guarantees that you won’t have a kid.
Okay, my insurance goes up for every kid that we had. My insurance premiums paid for each person. If I was on my wife’s plan, they are just family so whether you have one or 8 kids, it’s the same price. They just believe the law of averages works out I’m guessing. I think you are doing some mental gymnastics here to say the premiums are paid since you pay more for that kid, and you qualified your statement with successful.
Well, insurance for the most part isn’t a la carte. So you can either choose to participate in that insurance or not. You can’t pick and choose who/what gets covered. You could always choose a different insurance provider.
Most people complaining about the cost of insurance are upset because they see their coverage getting worse each year while insurance companies are profiting Billions each year. UnitedHealth profited something like $40 Billion in 2022.
Insurance only works because you spread out harm. It's not an a la carte system. If it became that the system would fail because the cost of procedures would effectively prevent care.
Also as much as you dream that insurance premiums would drop because you "opted out of coverage" it would likely only be pennies not dollars if anything. Because again. Insurance is built on the whole of the system not individuals picking and choosing.
It also opens up a really ******* risky door to allow people to opt out of medical coverages based on need. Example. 90% of people with Sickle Cell Anemia are black. So if the entire white population opts out because they are extremely unlikely to have any family history of it, that underfunds a medical treatment on the basis of race. Do you support underfunded medical treatment specifically targeting an overwhelmingly black population?
Note: I ******* hate insurance. I pay a ridiculous sum every year because my wife has Crohns disease and her medication is like $25k per shot. 1 shot every 8 weeks.
Also as much as you dream that insurance premiums would drop because you "opted out of coverage" it would likely only be pennies not dollars if anything. Because again. Insurance is built on the whole of the system not individuals picking and choosing.
It also opens up a really ******* risky door to allow people to opt out of medical coverages based on need. Example. 90% of people with Sickle Cell Anemia are black. So if the entire white population opts out because they are extremely unlikely to have any family history of it, that underfunds a medical treatment on the basis of race. Do you support underfunded medical treatment specifically targeting an overwhelmingly black population?
Note: I ******* hate insurance. I pay a ridiculous sum every year because my wife has Crohns disease and her medication is like $25k per shot. 1 shot every 8 weeks.
I mean, you’re free to get health insurance on your own outside a group plan. At that point, you can pick and choose what you want covered.
Experience with my parents is Medicare is just hoping you die.
If you have a bodily system that is not functioning properly, it should be covered.
Before there was a federal law preventing it insurance booted you from the hospital postpartum ASAP. After my giant baby, they booted me after a day and I wound up back in ICU with severe hemorrhaging and an infection.
If you have a bodily system that is not functioning properly, it should be covered.
Before there was a federal law preventing it insurance booted you from the hospital postpartum ASAP. After my giant baby, they booted me after a day and I wound up back in ICU with severe hemorrhaging and an infection.
I'm sure that ICU visit was deemed as acceptable risk by the insurance company for the record. Which is disgusting
