General Discussion
In reply to the discussion: Health Insurance Rate Shock-California Obamacare Insurance Exchange Announces Premium Rates [View all]Honeycombe8
(37,648 posts)The purpose of insurance is not to pay for anything and everything that YOU determine you want, medically speaking. It never was, and it never should be. Ins. companies paying for numerous visits to drs to tell a patient repeatedly, yes, you're having sinus trouble (duh), or whatever, is ridiculous. Paying for things people want but are not medically required, causes costs to increase (birth control pills...what most liberals wanted...but which are not medically required and is not a medical treatment....will cause premiums to go up). I'm not saying these things are not good things, but people who want these things paid for 100% often turn around and complain about health care costs. Well, you can't have it both ways.
Shingles shot is a protection not considered medically necessary. I'll be getting it, though, one day. But ins. IMO is to protect a person from catastrophic costs for treatment, and to get annual exams to catch things early (like mammagram).
If you expect an ins co to pay for everything health care related that you might want, then expect health care costs to be sky high.