catherine96821:
So...is ovarian cancer or breast cancer "female trouble?"
The type of insurance I had at the time offered zero cancer coverage (ovarian/lung/bone...didn't matter). Basically the only expensive things it covered were injuries. As far as female trouble definitions: Ovarian cancer yes, breast cancer no since guys can get that as well.
catherine96821:
Do men get lower rates if they exclude their prostates or their brains. lol...kidding.
LOL! Not for their health insurance but I think their car insurance rates go down as the risk of prostate problems rises
(bad rabbit, bad bad rabbit).
catherine96821:
Actually, I think you are wrong in some situations.
Certain companies feel if they prevent illness, they save millions. That's what managed care that is sweeping the country and Health Maintenance Organizations (HMO's) are all about.
Capitation...yea, I think you are mistaken in some case. Think of it as "required maintenance" by some insurance companies, on your "warranty"
Been wrong before but my company (the one I work for, not my insurance) doesn't seem to be one of those, I think they are trying to be but on the local level we really don't see it. Repetitive-use injuries are common here, had one myself (elbow) and workers comp wouldn't cover it because they said the doctor didn't fill the paperwork out right. I submitted the claim to my insurance company and they paid without question even though they SHOULD have gotten that doctor to fill the paperwork out correctly and put it through the workers comp system.
The strange thing is I'd had an MRI done on my knee a few months prior (non-work related) and the insurance company called me wanting to know if there was any way it could be due to a work related injury. That's the only thing they have ever called me about, basically they just don't care.
catherine96821:
My old insurance company used to call and nag me for tests like PAPs and mammograms. They never actually threatened to void my insurance, but I bet my doctor, for example would not prescribe OC (birth control pills) if I refused to get yearly exams or mammograms (due to the estrogen exposure).
That "excluding female trouble" offends me on some level...but I can't pinpoint why, it is certainly a perogative. It's like they are...cherry picking. (no pun intended)
A doctor shouldn't prescribe birth control without the tests, I agree with that. I also don't use birth control pills for that very reason. Traumatic experiences at the doctor's office when I was a child still haunt me, I'm overly sensitive in that respect I know but if I had ever had anything out of the ordinary occur I would get it checked out. I've been lucky and haven't had any problems and I don't have a family history that increases my risk. My heart, now THAT concerns me
My mom had a major heart attack at 46 but survived, her father died of a heart attack in his 50's and my father was 64 when a heart attack killed him. Three years ago when Dad died I had tests done and the doctor said heart disease isn't what's going to kill me but I can't help but wonder how quickly that sort of thing can change. I know you can lower your cholesterol but mine's low and my good cholesterol is high however I still wonder if there is a point where that will suddenly change and I go from healthy heart to heart attack.
It's certainly not my intention to offend you. I normally keep my mouth shut and if you wish me to do that just let me know.
Ber :lilbunny: