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<font size="2" face="Verdana, Helvetica, sans-serif">Correct.Quote:
Originally posted by Jumper69:
[QB
However, I'd be willing to bet the only folks who used the gym were those that already led a more healthy lifestyle anyway.
<font color="#000002"><font size="1">[ June 04, 2004 10:29 AM: Message edited by: Jumper69 ]</font></font>[/QB]
<font size="2" face="Verdana, Helvetica, sans-serif">You must disagree with safe driver discounts then for auto insurance. Same principle.Quote:
Originally posted by travelinman:
No, it's not the same. I doubt you were forced to buy insurance. I have family coverage with my company, so Gail doesn't need to buy it from her employer. We could both choose not to buy it and take home more cash, but we want the INSURANCE that if one of us gets sick the medical bills will be paid.
That's what your buying, insurance.
<font size="2" face="Verdana, Helvetica, sans-serif">and not having an auto accident doesn't "prove" you are a safe driver? Safe drivers get discounts. I'm never sick but if I'm in a group coverage plan I have to pay the same as someone who uses it and is sick, for whom the policy has to shell out money. My money. It's very simple.Quote:
Originally posted by travelinman:
Not unless he was able to show a reduced risk. Not using the benefits is not the same as reducing risk.
<font size="2" face="Verdana, Helvetica, sans-serif">So simply never having to use the benefits wasn't enough over 5 yrs? I should have had to submit to some arbitrary statistic to "prove" I was in fact healthy? No claims should equal a discount.Quote:
Not unless he was able to show a reduced risk
<font size="2" face="Verdana, Helvetica, sans-serif">I predicted you'd bring up this argument. My answer simiply is my occasional PT or Ortho appointment is generally going to be cheaper in the long run than a pregnancy, emphyasezma, diabetes in both medications and doctor/hospital visits as running is helping to lead a healthier lifestyle.Quote:
Jumper, you say, why should you pay for someone's pregnancy? That person can look at you and say why should we pay for your Orthopedic appointments because you choose to run marathons?
As for jumping out of airplanes, no insurance group policy in the world would cover that. I had to purchase an individual policy to cover death from "traumatic impact with the earth" [img]smile.gif[/img]
<font color="#000002" size="1">[ June 04, 2004 01:16 PM: Message edited by: Jumper69 ]</font>
Simply put, if you have blotches on your driving record you pay higher auto insurance premiums. Tickets, DUI's and accidents tend to make insurers look at you as a higher risk than those who dont have such things on their record.
It should be the same for health insurance.
People who CHOOSE TO SMOKE should pay more than those who dont smoke, because smoking has been proven to make people a higher risk for some seriuos health problems.
[img]tongue.gif[/img] [img]cool.gif[/img] [img]smile.gif[/img]
And someone who never files a claim should get a rebate whether they smoke or present "risks" or not. Bottom line should be a person's rate should be based on claims filed. No claims within a given period of time and they should get a lower rate or a partial rebate. Right now it doesn't apply to me at all, I declined coverage until further notice. I'll look after my own health. Most doctors do more harm than good anyway...
<font size="2" face="Verdana, Helvetica, sans-serif">I predicted you'd bring up this argument. My answer simiply is my occasional PT or Ortho appointment is generally going to be cheaper in the long run than a pregnancy, emphyasezma, diabetes in both medications and doctor/hospital visits as running is helping to lead a healthier lifestyle.Quote:
Originally posted by Jumper69:
</font><blockquote><font size="1" face="Verdana, Helvetica, sans-serif">quote:</font><hr /><font size="2" face="Verdana, Helvetica, sans-serif"> Jumper, you say, why should you pay for someone's pregnancy? That person can look at you and say why should we pay for your Orthopedic appointments because you choose to run marathons?
As for jumping out of airplanes, no insurance group policy in the world would cover that. I had to purchase an individual policy to cover death from "traumatic impact with the earth" [img]smile.gif[/img]
<font color="#000002"><font size="1">[ June 04, 2004 01:16 PM: Message edited by: Jumper69 ]</font></font></font><hr /></blockquote><font size="2" face="Verdana, Helvetica, sans-serif">Do you know that for sure Jumper? Maybe the pounding of your joints may require surgery later in life? Maybe arthritis? It maybe as simple of a torn ACL?
The point is...we don't know what the future holds for us.
Off I go....I'm going to get my exercise and play softball tonight (2 games)..let hope I don't hurt anything.
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<font size="2" face="Verdana, Helvetica, sans-serif">Wouldn't have to. I wouldn't go through treatments. I have seen what cancer treatments do to a person and they die anyway. I'll never do it.Quote:
Originally posted by Oldie Blonde Kenobi:
Now let's say, If you would of put that $2500 in a savings account and next year discover you have melanoma....that $2500 isn't going to pay for squat.
The vehicle/health insurance analogy is flawed.
We can control the way we drive; we can't control our health. GL, you should know that as much as anyone.
All the preventative measures in the world won't stop a person from getting MS.