General Discussion

moriah

(8,312 posts)

159. You're thinking "rates" and "demographics".

Sun Oct 6, 2013, 08:38 PM

Oct 2013

The goal of health care reform is to move to a system where everyone is covered -- the risk pool is 100% of the nation. Makes "demographics" pointless.

You're still thinking in the "I don't use it, so I shouldn't have to pay for it" mindset. That's the mindset that makes healthy people not buy insurance, even though if they did buy insurance the premiums would be lower for everyone. We're past that point -- in 2014, it's mandate or pay the penalty unless you're exempt. Same goes for maternity coverage.

If nothing else, think about it this way: someone gave birth to you at some point, and you didn't have to pay for it. Now, we all pay to help children come into this world healthy. It's not just a woman's problem, then... it's a human one.

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Why must all health insurance plans include maternity coverage? [View all] B2G Oct 2013 OP

United we stand, divided we fall. JaneyVee Oct 2013 #1

That's not an answer B2G Oct 2013 #2

The single payer system people allegedly want would have to cover *every single condition* Recursion Oct 2013 #13

the difference is questionseverything Oct 2013 #52

Right, but Medicare has a single premium rate Recursion Oct 2013 #62

spread the risk is great questionseverything Oct 2013 #75

3 times, as opposed to up to infinite times as much before the ACA Recursion Oct 2013 #76

aca is a decent step in right direction questionseverything Oct 2013 #81

Actually, Medicare does cover pregnancy. Moosepoop Oct 2013 #91

Good point Recursion Oct 2013 #92

Let 'em complain... Moosepoop Oct 2013 #101

Here's a good answer: BlueCaliDem Oct 2013 #56

Applause applause! DebJ Oct 2013 #98

Love it!! LukeFL Oct 2013 #125

it also includes coverage for heart disease, which would of course be found more DrDan Oct 2013 #3

And as a single female, I'm automatically ensured for prostate cancer treatment. And I feel the Squinch Oct 2013 #4

And old men's penis stiffy pills itsrobert Oct 2013 #6

Exactly. But girly things? Eeww, no! Not paying for those! No sir! That's not fair! Squinch Oct 2013 #15

do they work? nt Ninga Oct 2013 #20

I am fortunate enough or (cursed) to not have this problem itsrobert Oct 2013 #23

Shared sacrifice itsrobert Oct 2013 #5

How would that cover her? B2G Oct 2013 #11

It won't, but her insurance plan itsrobert Oct 2013 #21

Good point. Men are generally partially responsible for pregnancies, Nye Bevan Oct 2013 #17

Men who have had vasectomies should get a discount FarCenter Oct 2013 #58

Gah! No. Winnowing out parts of the population is exactly the problem Recursion Oct 2013 #63

Have you seen the tens of thousands of pages of tax code recently? Nuclear Unicorn Oct 2013 #145

So a woman who has had her tubes tied or her uterus removed should get a double discount! Useless in FL Oct 2013 #154

Yes, she should get a discount reflecting the fact that she will not need obstetric care. FarCenter Oct 2013 #160

both the men and women should pay me for getting those procedures i did not get and helped pay for seabeyond Oct 2013 #162

This message was self-deleted by its author lostincalifornia Oct 2013 #7

Why must people without kids pay for public schools? Recursion Oct 2013 #8

I hear that SOOOOOO often here in Florida DrDan Oct 2013 #29

Yep. Identical thought process. (nt) Posteritatis Oct 2013 #34

Single payer would do the same thing. Nye Bevan Oct 2013 #9

Ah, you beat me to it (nt) Recursion Oct 2013 #18

yes, because odds are that she'll get old CreekDog Oct 2013 #167

Really? Serious question? n-t Logical Oct 2013 #10

It's a condition requiring medical assistance Warpy Oct 2013 #12

For one, because men use maternity coverage too. Barack_America Oct 2013 #14

Unique and excellent point of view JustAnotherGen Oct 2013 #78

Awesome answer! n/t DebJ Oct 2013 #99

Bravo! Great answer! Paulie Oct 2013 #123

Thanks. Barack_America Oct 2013 #144

So what? Its like ok, one flat rate, all these things get covered as they apply to you. phleshdef Oct 2013 #16

If you are a young woman you are automatically insured for The Velveteen Ocelot Oct 2013 #19

Nah. I think I'll just get covered for the thing that will eventually kill me. Barack_America Oct 2013 #22

My point is that to make this work, B2G Oct 2013 #24

Having maternity care could be an incentive for young healthy people cbayer Oct 2013 #27

Um, it's the young who have babies. Barack_America Oct 2013 #30

congratulations, you thought real hard and are recommending a return to the pre-Obamacare system CreekDog Oct 2013 #168

For years I helped men pay for vasectomies and hair transplants DURHAM D Oct 2013 #25

were you born? then you have reason to be expected to share in maternity costs... hlthe2b Oct 2013 #26

The idea of insurance is elleng Oct 2013 #28

Why am I paying for pap smears and mammograms! jberryhill Oct 2013 #31

Especially those smears! Why do they have to be smears? Why can't they be tidy blots? Squinch Oct 2013 #37

a kid born in summer 2014 could be my XRay Tech, RN, Dr in 2036 irisblue Oct 2013 #32

Would you rather it not be covered and pay for lifetime care of brain damaged infants? mainer Oct 2013 #33

Why must all health insurance plans include treatment of impotence? kestrel91316 Oct 2013 #35

Why do I, a nonsmoker, have to pay for coverage of smoking-related illnesses in smokers? kestrel91316 Oct 2013 #36

You don't. former9thward Oct 2013 #41

Not nearly enough to cover what they cost their fellow insured. kestrel91316 Oct 2013 #45

I assume you will come up with some math to back up your assumptions. former9thward Oct 2013 #46

Of course they aren't. They charge ALL of us more than enough to cover the cost of treating kestrel91316 Oct 2013 #47

Its your assertion not mine. former9thward Oct 2013 #67

Parasites? SomethingFishy Oct 2013 #129

But smokers die younger, so they don't cost Social Security as much FarCenter Oct 2013 #60

Why do I, as a woman, have to pay for coverage of prostate disease treatment? kestrel91316 Oct 2013 #38

Why do I, as someone who eats right and has a normal body weight, have to pay for coverage of kestrel91316 Oct 2013 #39

Hypertension is not necessarily obesity related. PotatoChip Oct 2013 #95

I am referring to hypertension related to obesity. kestrel91316 Oct 2013 #109

Not everyone understands that, though. PotatoChip Oct 2013 #111

same reason all cable packages charge for FOX. tsuki Oct 2013 #40

Fantastic answer! karynnj Oct 2013 #49

Sheesh! Obviously you do not understand the concept of insurance and specifically health madinmaryland Oct 2013 #42

Because it's freaking health care, nt geek tragedy Oct 2013 #43

Because it is healthcare. Lars39 Oct 2013 #44

Plans are not tailored to the individual -- karynnj Oct 2013 #48

Because women are human beings and sometimes they incur these costs. pnwmom Oct 2013 #50

because we as human beings have a vested interest in the newer generations????? Skittles Oct 2013 #51

Because YOU want the kids who will be paying into YOUR social security (and mine) MADem Oct 2013 #53

No. What I want it is a truly low cost plan B2G Oct 2013 #54

What? You don't want children in the country to be born healthy? MADem Oct 2013 #61

You may want that, but getting that doesn't fix the wider problem. In fact it would make it worse Recursion Oct 2013 #64

So we just let folks go uninsured B2G Oct 2013 #69

No, we offer them catastrophic coverage through the exchange, and charge them higher taxes Recursion Oct 2013 #70

You know, I was wondering why, in addition to bronze, gold and silver, they didn't come up with a Squinch Oct 2013 #84

Hahahahahahah! Ellipsis Oct 2013 #104

Then you should have actively lobbied for Medicare for all or Cleita Oct 2013 #85

Because it reduces costs for all, and spreads the cost on point Oct 2013 #55

Who is the second half of the equation? Oh wait, a male. Suck it up. seabeyond Oct 2013 #57

single men dont get single women pregnant? i dont pay for the extra healthcare a geriatric couple La Lioness Priyanka Oct 2013 #59

They should be asked to pay for the abortion FarCenter Oct 2013 #65

i have no idea what your statement means. nt La Lioness Priyanka Oct 2013 #68

If the woman chooses to have the baby, she should pay for it. FarCenter Oct 2013 #74

are you serious? Perhaps you forgot to insert a smilie? DrDan Oct 2013 #77

You're not familiar with this poster's track record, are you? (nt) Recursion Oct 2013 #83

no - I am not DrDan Oct 2013 #89

the same way that if the elderly decide to get heart surgery they should pay for it? La Lioness Priyanka Oct 2013 #86

It is not clear whether heart surgery should be covered in all cases. FarCenter Oct 2013 #93

Since when has cosmetic surgery been covered by insurance? PotatoChip Oct 2013 #100

When it is "medically necessary". FarCenter Oct 2013 #106

Hm. Imagine that. Someone who believes men are not responsible for their actions. DebJ Oct 2013 #97

IMMENSE stupidity..... I had neighbors give birth squatting between parked cars to give birth bettyellen Oct 2013 #90

stupidity with a good side of selfishness too La Lioness Priyanka Oct 2013 #113

Yep, completely forgetting how we ALL got here in the first place. bettyellen Oct 2013 #114

Why should I pay for erectile dysfunction drugs? Because of basic insurance principles. DebJ Oct 2013 #66

Insurance companies write policies based on the quantifiable risks of specific groups. FarCenter Oct 2013 #73

Those 'groupings' are determined by state law. DebJ Oct 2013 #94

And let me add, what is the goal for our society and our country? DebJ Oct 2013 #96

And none of these factors will apply any longer, pnwmom Oct 2013 #102

Although now that I review your posts, your personal goal is only to be DebJ Oct 2013 #103

since a woman does not get preg by self, a man is a part of it, your argument utterly fails. not to seabeyond Oct 2013 #119

Gender Differences in Health Care Expenditures, FarCenter Oct 2013 #120

we are talking about why men have to spend the money on little wimminz with preg. you spoke up seabeyond Oct 2013 #122

Because of republicans! rock Oct 2013 #71

It makes no sense, because you are not looking at this as a social safety net. Rex Oct 2013 #72

Why should I, a non-smoking non-drinking vegan triathlete have to pay for your mcDonalds habit? Happyhippychick Oct 2013 #79

Because it's a medical expense and maybe you don't need Cleita Oct 2013 #80

it makes as much sense as handmade34 Oct 2013 #82

great post. nt raccoon Oct 2013 #153

Did you come from a woman? Were you delivered and cared for at birth? There's msanthrope Oct 2013 #87

Seriously? Pretzel_Warrior Oct 2013 #88

Are you being cute? bravenak Oct 2013 #105

More like trolling. n/t TheBlackAdder Oct 2013 #108

$2,000 for Prenatal care, Standard Delivery $10K, Cesarean $15K - Cost Over 50 Colonoscopy $3.8K TheBlackAdder Oct 2013 #107

I don't see why not trumpetero Oct 2013 #110

Because plans are not tailored to the individual alarimer Oct 2013 #112

Because healthcare is not and cannot be a rational market. TheKentuckian Oct 2013 #115

I can explain why USA doesn't have NHS, it would be easier. :) idwiyo Oct 2013 #116

Because the entire idea of insurance is predicated on paying for OTHER people. Warren DeMontague Oct 2013 #117

I think the point is BainsBane Oct 2013 #126

Well that's just fucking goofy, innit? Warren DeMontague Oct 2013 #131

I have to say some arguments around here are becoming increasingly strange BainsBane Oct 2013 #134

Honest question, though: How many people in this thread are actually saying that? Warren DeMontague Oct 2013 #135

As far as I've noticed, just the OP BainsBane Oct 2013 #138

Who knew Goofy was such a stud? Warren DeMontague Oct 2013 #139

I'm looking for a good video or graphic BainsBane Oct 2013 #140

Just for you I just sat through several minutes of a brain-killingly boring "Christian Sex Ed" video Warren DeMontague Oct 2013 #142

I'm thinking something more informative is in order BainsBane Oct 2013 #143

I can tell you that back when it was personally relevant, "maternity coverage" was not an academic Warren DeMontague Oct 2013 #147

I'm not smart enough to follow your jokes, BainsBane Oct 2013 #149

PM incoming Warren DeMontague Oct 2013 #150

Oh but he went away BainsBane Oct 2013 #141

Is this an example of I got mine so screw you? B Calm Oct 2013 #118

i guess men had nothing to do with the condition the woman finds herself in? boston bean Oct 2013 #121

Fair play. That's why. MineralMan Oct 2013 #124

Maybe because society has a vested interest in the propagation of the human species? BainsBane Oct 2013 #127

I'm hearing a lot of shared sacrifice comments and yet when I ask where is the funding for my liberal_at_heart Oct 2013 #128

If you're asking whether public schools should be funded better than they are Warren DeMontague Oct 2013 #132

thank you. Most people on this site won't acknowledge that because they are afraid of making liberal_at_heart Oct 2013 #136

Really? It should be job one. Warren DeMontague Oct 2013 #137

I think you know that funding is local BainsBane Oct 2013 #146

So humans can continue as a species? ismnotwasm Oct 2013 #130

You are starting to look pretty transparent Pretzel_Warrior Oct 2013 #133

Riddle me this. Why do young healthy women have to pay for cardiac care for fat old men? Arugula Latte Oct 2013 #148

Not to mention women having to pay for old men's Viagra! Jeez. All these years... Hekate Oct 2013 #169

Yeah, that one is absolutely infuriating. Arugula Latte Oct 2013 #170

Because if everyone but pregnant people op out of it, it will cost a fortune for pregnant women NoOneMan Oct 2013 #151

My insurance covers boner problems Lil Missy Oct 2013 #152

Yeah, but those can cause trouble for everyone. Warren DeMontague Oct 2013 #155

Because pregnancy is defined as a medical condition? KamaAina Oct 2013 #156

makes complete sense.....to me nt steve2470 Oct 2013 #157

Why should I have to "pay for" prostate exams.. I am female. SoCalDem Oct 2013 #158

You're thinking "rates" and "demographics". moriah Oct 2013 #159

I think the bigger question is who uses the system more? Men or women? davidn3600 Oct 2013 #161

And when they go to the doctor, their illnesses are so progressed, they cost more. KitSileya Oct 2013 #163

My point was more about the idea that insurance charges women more because they are misogynistic davidn3600 Oct 2013 #165

Re car insurance: in Pa, women pick up the tab for men's higher accident rates. DebJ Oct 2013 #164

Think about what would happen if women were discouraged from having children LittleBlue Oct 2013 #166