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Recently I had to get my car inspected. I was surprised to find out that my 95,000 mile car did not require anything. However, while it was there I decided to change the oil, coolant, and transmission fluid. Not surprisingly, while GEICO may have saved me more than 15%, it didn’t cover my maintenance. Shit!
Yeah I had to pay cash. But it was okay because I saved money assuming I was going to need new tires and/or brakes. Even if I did need these items, GEICO would not have covered anything. In fact, the only thing it will cover is collision and liability. You know, it covers the areas that I may not be able to afford if shit hits the fan.
So my question is: Why can’t my health insurance be like this? Does my health insurance need to cover my yearly physical? Does my health insurance need to be billed when I spend five minutes with my doctor for a stuffy nose and she tells me what I already know that I have a sinus infection. Does my health insurance need to cover the antibiotics? I know my car insurance doesn’t cover synthetic oil.
I take good care of my car because I don’t want to lose it prematurely. I don’t want to pay for something that could have been prevented. I have an incentive to keep my car healthy. Yet, I have no incentive other than a longer life to keep my body healthy because I know health insurance will cover anything. I can eat donuts every day and when I get a heart attack, they’ll pay for the surgery and the Lipitor after. No wonder why this country is so fat and unhealthy.
In a perfect world, we wouldn’t have any health insurance. But I understand this is not heaven. But why can’t we treat health insurance like car insurance:
• Mandate coverage for everyone (Increase the pool to decrease the cost).
• Require yearly physicals and other preventative measures.
• Don’t cover every little service and instead cover us when shit hits the fan such as cancer.
• Offer rewards to people for getting healthy the way car insurance takes 10% off for taking a class.
• And because I have a heart and realize we are more important than a car, assist those who can’t afford a physical.
Maybe health care costs have gone up because we use insurance too much. We expect health insurance to cover our bad behaviors but something tells me GEICO isn’t covering a repeat drunk driver. Instead of taking Lipitor, people should eat less cholesterol. If we had to buy our own medication we would probably take the generic cholesterol medication over Lipitor. Maybe this would make health care cheaper, easier, and oh yeah… maybe we’d be healthier. Because part of me is sickened by those in Congress that care more about government role and cost over how can we be healthier so that we can extend our life, liberty and happiness.
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