Why would a health insurance company not want to pay for something that will save them money in the long run, even if they have to pay in the short run (for example weight loss surgery)?

Why would a health insurance company not want to pay for something that will save them money in the long run, even if they have to pay in the short run (for example weight loss surgery)?
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1 Answer

Answer :

answer:We’re asking why anything insurance companies do makes sense? They’re a company that profits off taking money from people that can’t afford it, and telling those same people they don’t deserve to be treated for their illnesses. They are, indeed, the scum of the universe.
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Related questions

Do you think insurance companies would ever get to the point where obese people are required to have weight loss surgery or be dropped from their health insurance policies?

Description : Do you think insurance companies would ever get to the point where obese people are required to have weight loss surgery or be dropped from their health insurance policies?

Last Answer : No, I don't think surgery will be required. I predict the rates obese people pay for insurance will be significantly higher first. I can foresee a time when a notice will be give that at your ... BMI must either be below a certain number, or you must show an x% reduction since the previous year.

Why would a US company want to provide health, or for that matter, any kind of insurance?

Description : Why would a US company want to provide health, or for that matter, any kind of insurance?

Last Answer : We provide it because it is the right thing to do. As a result, our most recent hire was more than 10 years ago. We take care of our employees and our employees take care of us.

Do you think religiously run institutions should be mandated to cover birth control in the health insurance they offer?

Description : Do you think religiously run institutions should be mandated to cover birth control in the health insurance they offer?

Last Answer : answer:As a Roman Catholic, I say yes. Catholic Health Services cover a large percentage of the local hospitals, to deny parts of necessary health care to people is unconscionable. A very high percentage of Catholics use birth control of one sort or another.

Should hypochondriacs have to pay more for their health insurance?

Description : Should hypochondriacs have to pay more for their health insurance?

Last Answer : answer:This is a difficult concept to address, as determining actual hypochondria can be dicey. Your friend sounds like an extreme case, therefore fairly easy to diagnose, but often people (mostly ... call to make, there are conditions that are difficult to diagnose, and therefore oft dismissed.

Any idea on how a health insurance company determines eligibility of surgical procedure recommeded by one's doctor?

Description : Any idea on how a health insurance company determines eligibility of surgical procedure recommeded by one's doctor?

Last Answer : I know with all of our daughter's surgeries they have to be pre-qualified. We had a nurse who worked for the insurance company who advocated for our daughter's care at some points because ... paperwork and requests it explaining why you need this, that might carry more weight also. Good luck!

How can seniors save money on auto insurance?

Description : How can seniors save money on auto insurance?

Last Answer : answer:(I thought at first this question was spam.) As it says in the article, if they are driving shorter distances they should report that to their agent and see if that will lower their premiums. Also, ... is more important is if one would have enough money to live on if the other is ill or dies.

Does this health plan mean that folks who don't want insurance still have to buy it?

Description : Does this health plan mean that folks who don't want insurance still have to buy it?

Last Answer : You buy a plan or pay a fine.

How can there be enough money to pay for credit default insurance if the general rate of interest is too low to cover the risk of the loan?

Description : How can there be enough money to pay for credit default insurance if the general rate of interest is too low to cover the risk of the loan?

Last Answer : It has to do with fractional reserve banking and the extensive money (whatever that is) which is created by selling debt. Debt multiplies money held in reserves. The actual worthless paper dollars ... but I imagine their debt is insured by the same companies as the bank. Companies like AIG.

If someone hits my vehicle and that person's insurance company writes me a check and I keep the money rather than get my vehicle repaired, is that insurance fraud?

Description : If someone hits my vehicle and that person's insurance company writes me a check and I keep the money rather than get my vehicle repaired, is that insurance fraud?

Last Answer : Their obligation is to give you a check if your claim is a valid one. Whether or not you decide to actually fix your car with it is totally up to you.

If a health insurance provider penalizes a person for smoking, shouldn't they penalize overweight people too?

Description : If a health insurance provider penalizes a person for smoking, shouldn't they penalize overweight people too?

Last Answer : answer:Isn't that their business? Are you concerned the fat people aren't paying enough - or that the poor insurance carriers aren't making enough money? The important thing is that this is but one more ... allowed to smoke in the privacy of their homes only - and that is if they have no children.

What health things should I take care of before my benefits run out?

Description : What health things should I take care of before my benefits run out?

Last Answer : I'm sorry to hear of your layoff. Here are my suggestions: * Gynecologist (with STD testing and/or mammography if those apply based on your age and risk factors). * Allergy workup if you ... medical history for possible conditions that you might want a baseline for. Good luck in your job search!

Should overweight people pay more for health care?

Description : Should overweight people pay more for health care?

Last Answer : Wouldn’t that be discrimination? I read the article

Does health insurance cover aides coming to your house?

Description : Does health insurance cover aides coming to your house?

Last Answer : No, not normal insurance. Health aides are covered for a period of time (change dressing, take BP, administer medicines). Housework like cleaning, cooking, etc. – is not covered by normal health insurance. You can get supplemental (Aflac and such) that will cover other services, but that’s extra.

Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Description : Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Last Answer : I did it for 2017. I feel like I didn't have great advice from other people when I did. I will likely make too much money and wind up owing money. I knew I would be cutting it close though, ... marketplace and subsidy was going to be my best option, I wish I had had a broader discussion with her.

Who has no health insurance coverage?

Description : Who has no health insurance coverage?

Last Answer : I don’t. I live in Australia. Woot it doesn’t matter yay!

How often have you said, "Thank God I have (health) insurance!"?

Description : How often have you said, "Thank God I have (health) insurance!"?

Last Answer : answer:All the time. I have A LOT of medical issues on top of my mental issues. I went into the ER one night, stayed there until admitted the next morning. I had my gallbladder out that day, spent the ... that one day I'll get a letter saying I owe $50,000 for this surgery. I was/am amazed.

Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Description : Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Last Answer : answer:It's been like that for a very long time. It didn't just start happening. If you get hired and you pass the probation period, they will give you the health benefits at that time. If he had been ... I'm not sure about the laws in your state. This is how it's been here since I can remember.

Should my son have to carry health insurance on his daughter?

Description : Should my son have to carry health insurance on his daughter?

Last Answer : answer:It sounds like your son is electing to have family, rather than individual coverage and that's why he's paying the extra. Usually one plan will be primary and submitted to first and then ... 's mother unless there is a divorce stipulation that he provide. Boy, life can sure be complicated!

Mandatory health insurance, car insurance... Why not mandatory life, home, renter insurance too?

Description : Mandatory health insurance, car insurance... Why not mandatory life, home, renter insurance too?

Last Answer : In many cases home insurance is mandatory or they will not let you buy the home.

Any recommendations for health insurance for the self-employed?

Description : Any recommendations for health insurance for the self-employed?

Last Answer : Contact the local Chamber of Commerce or National Association of Self Employed for their recommendations, it may be regional for specific policies.

What do you think of my health care insurance problem?

Description : What do you think of my health care insurance problem?

Last Answer : How much was the procedure? How much has been paid for by First Choice? I would think that Tri-Care should pay the difference.

Can someone help me understand what portability health insurance is?

Description : Can someone help me understand what portability health insurance is?

Last Answer : I may be wrong on this, but I believe portability insurance would mean you can continue the policy with no time limits after leaving the job; COBRA only continues for 18 months after you leave the job. I think either could or could not have dental depending on the plan you were coverd under.

So are the Americans without health insurance insured now?

Description : So are the Americans without health insurance insured now?

Last Answer : answer:Ha ha! Hardly. No we will in a few years time be required to buy private health insurance (with some receiving subsidies from the government) or be subject to a fine. Naturally those ... civilian government employees, e.g.) are exempted. In related news, beefburgers are still $.99

Questions on health insurance?

Description : Questions on health insurance?

Last Answer : You have put your finger on the nexus of reasons for health care reform. Because the private insurance companies have to make money as opposed to a single payer system (the government).

What benefit do health insurance companies add to the health care system?

Description : What benefit do health insurance companies add to the health care system?

Last Answer : I agree, @daloon, but once entrenched it would difficult to dislodge them as we are finding out now. They are willing to expend an awful lot of money to avoid even the appearance of what they view as the slippery slope to a single-payer system.

Health Insurance recommendations family of two 19yr olds?

Description : Health Insurance recommendations family of two 19yr olds?

Last Answer : Private health care insurance can be expensive. If you are generally healthy and can't get insurance through an employer, I would cover all the small stuff yourself and look for a policy that will cover ... burden. Why can't the richest country in the world see health care as a basic human right?

What should I look for in choosing a Health Insurance Plan?

Description : What should I look for in choosing a Health Insurance Plan?

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health/dental insurance for the poor?

Description : health/dental insurance for the poor?

Last Answer : answer:Talk to a broker or call health insurance companies and ask about individual plans. These are usually designed for people in your demographic and can run pretty reasonable in terms of monthly ... the name State Coverage Initiative. Look up your state's Department of Health online or call.

New job, how do I smartly choose the best health insurance option?

Description : New job, how do I smartly choose the best health insurance option?

Last Answer : answer:Congrats! Hope you like the new job. PPO generally gives you better rates/copays for staying in their network of preferred providers (doctors with whom the health insurance company has negotiated favorable ... m 90% certain the above is correct, but talk to your HR manager to be 100% sure.

So we have decided that it is time to get Health and Dental insurance for the people that work at my small business.

Description : So we have decided that it is time to get Health and Dental insurance for the people that work at my small business.

Last Answer : answer:The NCQA independently rates and accredits health plans. You should be able to compare health plans available in Oregon with their report card feature. http://hprc.ncqa.org/ You're probably ... 't know whether their commission comes from you or from the health plans they represent, though.

How can I find a reasonable health insurance policy?

Description : How can I find a reasonable health insurance policy?

Last Answer : Blue Cross/Blue Shield, Aetna, Humana are a few carriers who offer inexpensive bridge coverage for people between jobs, recent grads or anyone needing individual, generally short-term coverage. I ... deductible and lowered his monthly payment from $550 with COBRA to less than $100. Try google

Where can I get cheap home renters insurance , In Canada, for a short period of time?

Description : Where can I get cheap home renters insurance , In Canada, for a short period of time?

Last Answer : From what little I know about insurance, it may cost you a lot more than $20 for a week if they would even write a one week policy (the paperwork for the policy and office are the ... should include the insurance and licensing fees which in the USA is hundreds if not thousands of dollars.

Can you put an adult child on your car insurance policy, even if the title to the car is in their name?

Description : Can you put an adult child on your car insurance policy, even if the title to the car is in their name?

Last Answer : KatawaGrey has her own car, in her name, but my policy covers us both. We have Progressive and we live in CT. Does that help?

Is it insurance fraud to have insurance but choose to self pay for medical services?

Description : Is it insurance fraud to have insurance but choose to self pay for medical services?

Last Answer : That’s a stupid computer system. You are not required to use insurance if you don’t want to. If you want to pay cash, that’s your choice, not theirs.

If your country has socialized medicine does that mean you don't have to pay for coverage on your home owners and auto insurance?

Description : If your country has socialized medicine does that mean you don't have to pay for coverage on your home owners and auto insurance?

Last Answer : You do mean liability coverage don’t you because homeowners and auto cover a lot more than just liability?

This is for anyone living in the US, if you don't have medical insurance do you have to pay to have your children vaccinated?

Description : This is for anyone living in the US, if you don't have medical insurance do you have to pay to have your children vaccinated?

Last Answer : answer:If you are willing to make a few calls you can certainly get them for free. The vaccines them self are incredibly cheap. Here is a list of prices for the actual vaccine. Note those prices are ... a personal choice and cost does not play a role unless your child never ever goes to a doctor.

Do you have to pay taxes on an insurance settlement?

Description : Do you have to pay taxes on an insurance settlement?

Last Answer : When I got a settlement for an accident, I asked several times, and was told I do NOT have to pay taxes on that.

How to pay for hospital bills without insurance?

Description : How to pay for hospital bills without insurance?

Last Answer : Additional info: She is in her late 20s or early 30s. She has no serious illness that are known about.

How do I find a primary care physician that will work with me on a self-pay (i.e. non-insurance) schedule?

Description : How do I find a primary care physician that will work with me on a self-pay (i.e. non-insurance) schedule?

Last Answer : You could ask around with other people in your area to see if they have any recommendations. Other than that, calling around and asking each one is probably your best bet.

Auto insurance pay out?

Description : Auto insurance pay out?

Last Answer : I’m not sure but was wondering the same thing, so I will be following this question. I am in the same predicament except my car wasn’t totally destroyed but the vehicle in fault ripped the back half of my car off and it’s been a month already.

Do I have still have to pay for BlueCross Insurance?

Description : Do I have still have to pay for BlueCross Insurance?

Last Answer : In my state you have to be indigent to be on Medicaid. That means you are living below the poverty guidelines. If you are living below those guidelines, you are not expected to carry supplemental ... I think Medicaid covers all including prescriptions. 92 is a lot of living! Does she have Medicare?

How much should an insurance agency pay commission splits with their licensed agent?

Description : How much should an insurance agency pay commission splits with their licensed agent?

Last Answer : answer:I am in South Africa so our legislative and commission regulations may be different. But for the most part your question is pretty logic based. The Principal member who holds the license can ... license holder who will offer you a higher split with a chance to grow in the organisation.

How much will I have to pay on insurance if I got a pitbull?

Description : How much will I have to pay on insurance if I got a pitbull?

Last Answer : Why? Why get a dog that is potentially harmful to others?

How much do you pay for car insurance?

Description : How much do you pay for car insurance?

Last Answer : answer:26 bay area male 2— acura integra 2 points currently, I have a very heavy right foot. Doesn’t help both cars are sports cars 120 on liability was 60 before the points

Why does my mortgage company want me to sign the check over to them?

Description : Why does my mortgage company want me to sign the check over to them?

Last Answer : I never heard of that. Our insurance company just pays us direct for damages.

Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Description : Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Last Answer : Suicide is defined by intent. If you kill yourself by accident (reckless driving, extreme sports, accidental overdose, etc.), life insurance would likely pay out to your beneficiaries. If there is evidence ... not their intended outcome - so, no. (All this courtesy of my law school graduate wife)

What insurance company covers OEM parts?

Description : What insurance company covers OEM parts?

Last Answer : I don't know if there are any insurance companies that will do OEM only. Since 1970 most insurance companies can insist the will only pay for aftermarket parts, OEM differences are paid for by the ... importing parts for VW, Toyota, Datsun and others; we were making a killing at the body shops.

Have you heard of an insurance company doctor doing this?

Description : Have you heard of an insurance company doctor doing this?

Last Answer : Did he work for their insurance company? There is something missing in this story; it sounds very bizarre. Did she question him before letting him stick needles in their toes.

Can anyone suggest a good company for bike insurance?

Description : Can anyone suggest a good company for bike insurance?

Last Answer : answer:Talk to your friends and family about whom they use to insure their homes and cars. Then talk to the people who own or manage your local bike shop and ask them who the recommend and what details to include on the policy. Theft and personal injury?

Help! Who is the best insurance company to use? This is highway robbery!

Description : Help! Who is the best insurance company to use? This is highway robbery!

Last Answer : You need to call several companies and ask for quotes. The rates depend on so many different factors, the only place you will receive accurate information is the agent.