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Jan. 15th, 2007 12:18 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
x_alchemyI apologize that this is a few days later then the initial reaction but I wanted to read further into the matter before making any comment.
I do not see why health insurance companies should not be allowed to ask about the X-gene when deciding whether or not to insure someone. True, it could be said that they would decline people just because of it, but not necessarily for the reasons one would think. I believe the companies should have the right to reject someone if they know they have no facilities to help them if the need arises.
Would one prefer to find out the company has no facility in their network to help with a certain mutation related problem when they apply vice when the help is actually needed? At least if they know about it, then they can inform the applicant of their lack of facilities and thus better their service to their customers. In fact, if they got a lot of applicants and the demand was high, they would then see about adding said facilities to their networks to increase their customer base and thus profits. They can not do this is they are uninformed and they will remain ignorant unless they be allowed to ask. The same could be said of many ‘normal’ alignments that are asked about for insurance purposes.
No doubt many of you will read this and jump down my throat, but I’m disinclined to care. I have said my piece just as I saw many have already said theirs in Forge’s earlier post.
I do not see why health insurance companies should not be allowed to ask about the X-gene when deciding whether or not to insure someone. True, it could be said that they would decline people just because of it, but not necessarily for the reasons one would think. I believe the companies should have the right to reject someone if they know they have no facilities to help them if the need arises.
Would one prefer to find out the company has no facility in their network to help with a certain mutation related problem when they apply vice when the help is actually needed? At least if they know about it, then they can inform the applicant of their lack of facilities and thus better their service to their customers. In fact, if they got a lot of applicants and the demand was high, they would then see about adding said facilities to their networks to increase their customer base and thus profits. They can not do this is they are uninformed and they will remain ignorant unless they be allowed to ask. The same could be said of many ‘normal’ alignments that are asked about for insurance purposes.
No doubt many of you will read this and jump down my throat, but I’m disinclined to care. I have said my piece just as I saw many have already said theirs in Forge’s earlier post.
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Date: 2007-01-15 08:21 pm (UTC)Actually, Tommy, I agree with you. Now, most of that is based on the fact that the US health care system is a perverse shambles that allows more than half of its population to go without proper health care in order to maximise profits, but it's true never the less.
Health insurance is based around a risk of monthly payments proving less than the costs of treating some one. That's why as you age, as the various elements of your health issues come to light, the cost of coverage goes up. So, mutant X who suffers from an auto-immune issue gets checked into a hospital, and then blows up the west wing of it. That cost is spread across the entire system, so the companies use it as an excuse to jack up the monthly bills ten percent because they have to now cover potential damages from ill mutants losing control of their powers while undergoing treatment. It's a crapshoot that gives more power to the people who hate mutants, giving them the excuse to tell Joe American who is barely scraping by that because of the bill, his health care costs just jumped 25%. Who's he going to blame.
Hint: Google 'immigration' and 'health care' and get the fun parallel.
The only sensible thing is to move towards a national health care system that extends coverage to all US citizens, to ensure that all people with genetic differences like mutants are covered in the same fashion. If you're interested, drop on to the gov.ca site and look under 'Gamma Flight' for a full explanation of Canadian health care twinned with mandatory testing and registration.