Why are insurance costs going up?

Well, one reason why is because the costs of elective treatments are being covered now, and that means that the costs for them are being distributed to everyone else.

Here’s the leftist Washington Post to explain.

Excerpt:

Aetna this week announced it will start covering gender reassignment surgery next year for federal workers on the insurer’s plans. And the company said it will begin rolling out this coverage to many of its commercial plans over the next couple of years.

For years, many health insurance plans have denied coverage for gender reassignment benefits. But with the medical community recognizing gender identity disorder as a diagnosable condition, there has been a growing acknowledgement recently among employers and policymakers that insurers need to be covering these treatments, which otherwise can carry prohibitive costs.

Regulators in eight states and the District of Columbia now ban discrimination against treatments for gender reassignment. In the past four years, the number of large employers covering sex reassignment surgery in their health plans grew from 49 to 340, including at 28 percent of Fortune 500 firms, according to the Human Rights Campaign.

This year, the U.S. government has weighed in considerably. In May, Medicare reversed a decades-old ban on covering gender reassignment surgery in response to a 2013 lawsuit. Advocates said the Medicare decision could put pressure on more insurers to ensure equal benefits for transgender Americans, who make up 0.3 percent of the adult population.

[…]Without insurance, the out-of-pocket costs for gender reassignment vary greatly. Some people may only need hormone therapy, which costs hundreds of dollars a year. The cost of surgery, for those needing it, could be tens of thousands of dollars.

The Washington Post is very much in favor of making this “covered”.

Now when I think of health insurance, I think of car insurance. With car insurance, you pay when there is an accident. The collision is unexpected, but it is covered. But it is increasingly the case with health insurance that elective treatments are called “health care”. I think the trend is that the number of these treatments will increase as more and more of these elective surgeries get added to the mandatory coverages. And if you look at other countries, IVF (some provinces of Canada) and breast enlargements (UK) are covered.

I certainly don’t want to pay for any of these “coverages” but as these treatments become mandatory coverages, I will be paying for them. Even if I don’t use them. My premiums will go up so that other people who do use it can have it without having to pay for it.

3 thoughts on “Why are insurance costs going up?”

  1. So, instead of treating a disorder like what it is, a disorder, by trying to help change the psychology to match reality, the medical community decides that mutilating the body is preferable? Very wise, very ethical. Especially since 80% of children who develop GID also willfully change back to their biological gender on their own. It seems to me so difficult to disseminate truth and rationality about these issues in our current culture.

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  2. Would a psychiatrist recommend a calorie deficit diet to somebody with a body dysmorphic disorder, such as anorexia? Or would he recommend liposuction to such a patient? No, of course no psychiatrist would do so.

    Yet, the recommended treatment for someone with gender dysmorphia is surgical mutilation?

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