Sunday, June 12, 2011

Why can't we strictly get catastrophic health insurance?

Even after the signing of health care reform, did you know you still can't get strictly catastrophic health insurance? Every state has mandates for coverage on things not catastrophic. My state contraceptives, infertility, TMJ, alcohol rehab, drug rehab, etc are top of the long list of mandates on coverage. I could have solved health care with two pages. Why should I have to help a woman buy contraceptives? That is an extracurricular and only drives up costs for me, but it also helps drive artificial demand. I want strictly catastrophic health insurance without having to subsidize marriage counseling and obesity counseling. What is so hard about pushing yourself away from the table?
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you are correct to buy insurance these days you are often forced to over buy to get any thing. i use an employer sponsored plan and it contains at the lowest level they offer for employee only marriage counseling and well woman care and contraceptives. as a divorced man nearing 50 i am so glad that they kept these and charge extra for prescription coverage as of this year. so not being on any scripts i dropped that, 35 a month out of my check for prescriptions on a co-pay or buy my own antibiotic only if i get an infection do the math. one reason so many people wont buy insurance is it comes in too big of a package to fit them.
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