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That's why I hate private healthcare systems.
It's all getting to be more expensive with less care. It's the big healthcare F*cks getting richer and richer over the backs of people like this.
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Actually, I think from a real-world point of view, we need to realize that people in business, including health care insurance, want to make a living. If they could make even a nickle off someone, I'll bet they'd do it. Why not? It's money right? If it's not a loss, what dif does it make? What that says to me, is if they won't cover someone, it's because they are not in business to lose money. And if the right thing to do is lose money so a few people with problems can get treated, then let the millions with extra money who complain about health care providers just cough-up some free money for those uncovered.
Why not? If it's lost money, what's the problem? If it's good for the health insurance company to lose money, it's got to be good for others making donations, right?
I think a lot of people live in a dream world where they think that society can afford to treat and pay for every disorder under the sun. Just because the equipment exists, does not mean that everybody on the planet can be paid for. If you want the system, you have to pay for the system.
Short answer ... I think if someone could be insured without them being a near certain risk of losing money, I think they would be covered.
It would be comparable to if someone was known to be 100% certain to wreck their Mercedes in the next 6 months, who would insure them? If they were likely to crash their $250,000 plane in the next 6 months, who would insure them?
If someone is getting the shaft, it would almost need to boil-down to the people who are low or medium risk, and given no options, when their life expectancy chances are pretty good for a long life.