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Old 10-14-2009, 10:28 AM   #16
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because it would save the insurance company money in the long term. the healthier a person is, the less likely they are to have many medical problems later in life. period.

now if you want to argue that the insurance companeis want you to get sick and out of shape so that they can charge you more... well... i have no argument against that.
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Old 10-14-2009, 01:01 PM   #17
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now if you want to argue that the insurance companeis want you to get sick and out of shape so that they can charge you more... well... i have no argument against that.
Here in lies the real reason.
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Old 10-14-2009, 01:25 PM   #18
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the healthier a person is, the less likely they are to have many medical problems later in life. period.

now if you want to argue that the insurance companeis want you to get sick and out of shape so that they can charge you more... well... i have no argument against that.
They're kind of one and the same when you think about it. The rate they charge is based on the risk they're taking from insuring you. Of course they want to make more money. I'm sure the more unhealthy you are, the more the rate is skewed in their favour. I wouldnt necessarily say they WANT you to get sick and out of shape (though that wouldnt be a stretch), I'd just say that the burden to get back into shape shouldnt fall on their shoulders.
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Old 10-14-2009, 10:50 PM   #19
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The rate they charge is based on the risk they're taking from insuring you. Of course they want to make more money.
I'm convinced they're simply looking for new ways to charge more & cover less. If not, my rates would have dropped drastically 2yrs ago when uterine cancer made a hysterectomy necessary for me. As a woman of child-bearing age (the most costly group to insure) who can no longer bear children, I would think if the insurance company was least bit concerned with actual risk ratios that my rates would have been reduced. Except for the fact that insurance cost NEVER decrease - unless coverage goes, too.
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Old 10-14-2009, 11:01 PM   #20
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What about the underweight, coke addicts?
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Old 10-14-2009, 11:04 PM   #21
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to be perfectly honest, my doctor is a lifelong friend who has several bad experience with greedy life and health insurance companies. i have lied multiple times to get health insurance. he backs up all my claims too. so far, so good.
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