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Really, other than maybe some minor administrative costs, it doesn't cost the insurance company a thing to offer males maternity coverage.
I could cover every male on this forum personally for $10, use it to buy lunch, and still come out ahead since no male will ever actually use it. Its still stupid, though.
The pre-existing conditions rule, however, is the big money-loser.
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My new BCBS plan went up.
I liked my old plan but fucktard thinks it's not good enough.
I'm soooo glad I carry maternity coverage on my health insurance as a single, young male.
Fuck Obama.
Be sure to pick up your free birth control pills, too.
Really, other than maybe some minor administrative costs, it doesn't cost the insurance company a thing to offer males maternity coverage.
I could cover every male on this forum personally for $10, use it to buy lunch, and still come out ahead since no male will ever actually use it. Its still stupid, though.
The pre-existing conditions rule, however, is the big money-loser.
You are repeating the fundamental lie that the administration has been feeding us that Obamacare is about "providing insurance". It is not, because under the rules and guidelines they have imposed it is now basically a gigantic, decentralized wealth distribution system. Why? Because insurance is based on calculated risk, and Obamacare makes all those calculations, hundreds of years worth of actuarial data, useless.
At the root of the concept of insurance is the fact that, on average, people/ships/planes/cars that have the same characteristics will behave the same way. But it only applies over time and over a large population. So it can be calculated, with a high degree of accuracy, how many white women between the ages of 25 and 29 who live in Rhode Island will have ectopic pregnancies. So the insurance company can figure out how much to charge those young white millennial chicks to cover the number of ectopic pregnancies that will happen in year to those women. How about women 30-35? They get charged more because more of them will have that happen. 15-20? Less. Men? No need to charge them at all, because the odds are zero. Repeat this math for thousands of other factors, and you come up with a rate structure.
But Obama did away with all that. Now all insurance companies can consider is location, age, and smoking. And the last 2 are arbitrarily limited. That's it. So now everyone pays for everyone, regardless of risk. Men aren't paying for insurance against themselves getting pregnant - they are paying for the pregnancies of the women around them. And for her kids vaccinations. And the breast cancers. Likewise women get to pay for men's prostate cancers and testosterone replacement therapy and Viagra.
It's no longer about paying to cover risk: it's simple money transfer from healthier people to sicker people, with a bunch of shareholders in the middle talking a cut. It's Social Security if JP Morgan was the administrator. Which is why the next step will inevitably be "Let's just cut out the middleman and have the government run it directly."
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