First of all, the risk that pet and car insurance pool is very different from the risk pooled by health insurance. Accidents are inherently random and make it difficult for people to ball-park their risk.
But most health outcomes are a result of genetic and behavioral traits. Thus the customer will usually be more informed than the insurer.
Also, car insurance is voluntary in one state. And pet insurance, well, it's mostly a scam. I paid for it, and still paid ten grand for my cat's undiagnosed pancreatic mass. The vet that accepted the insurance said that it was outside their expertise and I would have to go to a specialist not-covered by my plan.
Yeah. That was totally a market that provided to it's customers what was advertised.
If you could point to the cancer survivor stat, I'd be grateful. But even that I'll take with a grain of salt. My mom was able to get coverage after getting kidney cancer, but she constantly has to fight with insurers to cover everything. They've decided that her impaired kidney function could be the root cause for just about everything, and thus isn't covered.
When I'm talking about pre-existing conditions, I'm not talking about having health insurance. I'm talking about getting serious health matters covered by insurance. There's a serious difference.
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Re: No such things as a free organ transplant
Date: 13/12/10 23:30 (UTC)But most health outcomes are a result of genetic and behavioral traits. Thus the customer will usually be more informed than the insurer.
Also, car insurance is voluntary in one state. And pet insurance, well, it's mostly a scam. I paid for it, and still paid ten grand for my cat's undiagnosed pancreatic mass. The vet that accepted the insurance said that it was outside their expertise and I would have to go to a specialist not-covered by my plan.
Yeah. That was totally a market that provided to it's customers what was advertised.
If you could point to the cancer survivor stat, I'd be grateful. But even that I'll take with a grain of salt. My mom was able to get coverage after getting kidney cancer, but she constantly has to fight with insurers to cover everything. They've decided that her impaired kidney function could be the root cause for just about everything, and thus isn't covered.
When I'm talking about pre-existing conditions, I'm not talking about having health insurance. I'm talking about getting serious health matters covered by insurance. There's a serious difference.