It all seems just nuts for everyone to have to share in the cost of Maternity coverage Amelia, at least on it's face....but this is how Insurance works....we are all sharing in the cost of covered illnesses of the person who actually gets the illness or condition, even if it is impossible for us to get the illness or have the 'condition'...
Don't get me wrong, being that Matt and I have gone several decades of not being able to have children, while paying for Maternity coverage for those who can, is not something that is fair on its face either...but this is, as said, how Insurance is able to work and make a profit for their investors of their corporations.
Everyone's policy covers ovarian cancer as well and yes, those that are men, ARE PAYING for the treatment of ovarian cancer patients.
and everyone's policies cover the expense of prostate cancer, even though they are a female and will never get it....
In the decades that Matt and I have had insurance coverage, and have not needed to use it in any measurable manner compared to the cost of it, we have paid for someone else's procedure or treatment who has used their Insurance coverage... and paid the profits to the share holders too...
Not really anything new when it comes to the federal government either... using Medicare as example....from our very first job...even jobs held before the age of 18, we are paying Medicare tax that we are not even eligible to draw on until we are 65....the younger are paying for the elders, and when we reach our senior years and need much more medical care than we did in our youth, the youth of the time will be paying for us elders.....
So those that are young may not need MANY of the things covered in most any healthcare policy, they will be paying for the sicknesses or medical conditions of others along with all of those who never get sick and use their insurance....but when the youth get older and in the age range of needing medicare care, they will be covered at a price that is somewhat affordable....at the expense of the present day youth.
I don't think there is any other way that a health insurance business model could work.
As far as some youth qualifying for catastrophic plans that do not cover maternity....I haven't doubled checked that yet...it seems to defeat the purpose...???? But as said, I don't know all of the details yet....like...are they figuring more youthful men will go catastrophic and more female youth will go with full coverage, if this is true? I dunno, seems crazy???
Don't get me wrong, being that Matt and I have gone several decades of not being able to have children, while paying for Maternity coverage for those who can, is not something that is fair on its face either...but this is, as said, how Insurance is able to work and make a profit for their investors of their corporations.
Everyone's policy covers ovarian cancer as well and yes, those that are men, ARE PAYING for the treatment of ovarian cancer patients.
and everyone's policies cover the expense of prostate cancer, even though they are a female and will never get it....
In the decades that Matt and I have had insurance coverage, and have not needed to use it in any measurable manner compared to the cost of it, we have paid for someone else's procedure or treatment who has used their Insurance coverage... and paid the profits to the share holders too...
Not really anything new when it comes to the federal government either... using Medicare as example....from our very first job...even jobs held before the age of 18, we are paying Medicare tax that we are not even eligible to draw on until we are 65....the younger are paying for the elders, and when we reach our senior years and need much more medical care than we did in our youth, the youth of the time will be paying for us elders.....
So those that are young may not need MANY of the things covered in most any healthcare policy, they will be paying for the sicknesses or medical conditions of others along with all of those who never get sick and use their insurance....but when the youth get older and in the age range of needing medicare care, they will be covered at a price that is somewhat affordable....at the expense of the present day youth.
I don't think there is any other way that a health insurance business model could work.
As far as some youth qualifying for catastrophic plans that do not cover maternity....I haven't doubled checked that yet...it seems to defeat the purpose...???? But as said, I don't know all of the details yet....like...are they figuring more youthful men will go catastrophic and more female youth will go with full coverage, if this is true? I dunno, seems crazy???
