Government run health care

[Edwina's Secretary]

If a male can be required to have insurance for in vitro fertilization, is it really hard to believe he wouldnt get paternity leave under .gov health care?

Yes.

[blue]

Really, why?

Edit: LH, from what Ive read in Mass they do get IVF coverage.

[Lady's Human]

Again, group plans are written to cover multiple contingencies.

They are not written for individuals, and thank god insurance plans aren't written for individuals. No one would be able to afford insurance coverage.

[blue]

Again, group plans are written to cover multiple contingencies.

They are not written for individuals, and thank god insurance plans aren't written for individuals. No one would be able to afford insurance coverage.

Thats .gov thinking.

[Lady's Human]

That has nothing to do with .gov. It's how insurance is written, period.

Roll your eyes all you want, reality is reality.

[Edwina's Secretary]

Give it up LH. Some people just don't want to understand reality.

After all, brain surgery will probably be covered in the plan as well and .......!

[Cataholic]

A true, but odd, insurance event.

I get an EOB for J's 5 year check up- something that should be covered without cost to me- under the 'new' plan. I see all but $70 is covered, and the whole bill is $500 something. An amount that I found outrageous, btw. We were there for 15 minutes of the doctor's time. But, I digress.

So, I called the insurer (Anthem) and asked about the $70 charge, and wondered why it wasn't 'free'. The woman (very nice) told me that only well visits are paid in full (and actually, they aren't close to being paid in full, but at a contracted for amount). I told her that I had scheduled the visit one month in advance, and that it was a well visit. She asked, seriously, "well, did you talk about anything besides well visit things?"

LOL. Well, yes, we did. J had another sinus infection, and the doctor, while performing the typical 5 year check up, checked his ears and saw fluid. And, wrote a prescription (for which I paid- out of pocket, $114 or $115 for a 20 day supply), noting in the the chart another sinus infection. And, he billed it separately.

I don't blame the doctor. He HAS to bill for every single event (like the 4 shots and the administration of the 4 shots...). But, that is crazy.

[blue]

That has nothing to do with .gov. It's how insurance is written, period.

Roll your eyes all you want, reality is reality.

Group policies are absolute BS, they make it cheaper for the company selling the insurance and not making the product cheaper for the consumer. .gov thinking is group policy and it will cost us more. Men in Mass dont need IVF insurance but they have to pay for it anyway, and the cost of insurance has gone Up in Mass since insurance coverage became mandatory.

Getting rid of group policies for individuals will make insurance Co's work harder, but it can make policies for individuals cheaper.

You may be willing to pay for insurance you dont need, but Im not. Oh wait, I dont have insurance, and I think .gov healthcare is a bad idea.

[Lady's Human]

Getting rid of group policies for individuals will make insurance Co's work harder, but it can make policies for individuals cheaper.

You may be willing to pay for insurance you dont need, but Im not. Oh wait, I dont have insurance, and I think .gov healthcare is a bad idea.

Okay, let's write an individual policy......

You're a male, (cost just went up, we have a tendency to take lousy care of ourselves), some former mil experience (cost just went up again, tend to be risk takers), over 30 (Cost rises again).......ad nauseum. Exactly how does that make a policy cheaper, unless you're an 18 to 20 something male in good physical shape with no outside risk factors added in?

Group policies are written to spread the risk of the coverage over a larger group, and mitigate the risk of an individual. The bigger the group, the less impact one individual will have on the costs of the group.