If you are like me you have a huge gangster pirate ear ring, a troll like ear, and often dream of money and eye glasses. At any rate at least, you often wonder about where your money is going and what its doing.
So have you ever tried to understand some of the reasons why insurance will pay certain amounts for certain things? For example, why will insurance sometimes pay for new eye glasses? Insurance companies will go to extreme measures to avoid having to get involved in large medical expenses. They would rather pay for seemingly frivolous expenses. The real debate then becomes just how frivolous some of these expenses are.
My insurance will not completely cover my contact lenses expenses because it would technically be cheaper for me to just wear glasses. These glasses do prevent my eyes from further deteriorating. Therefore, there is no risk of eye surgery with the glasses paid for.
You can imagine how this logic can be extended to all different types of medications. Insurance pays for different prescriptions because they will keep you basically healthy, with no surgery.
So the question is, where does this logic stop. Should insurance also cover for vacations when people become overworked? What about a.d.d. medications? Is a child actually risking his health if he isn't paying attention in class?
1 comments:
It is a slippery slope. Isn't that why you have insurers define exactly what is and is not covered? So you know before entering into the policy how you will be covered.
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