Top 10 Reasons Medical Insurance Companies Want YOU As a Customer!
By Ainat
Elos
Medical and healthcare insurance companies originally came into
being as a way of financing increasingly more expensive healthcare
options. However insurance companies be they medical insurance, health
insurance, car insurance, home insurance or any other insurance are
in the business to make money. They make money by calculating the
income they can charge and the costs they will incur by offering
the service. If the income is higher than the cost then they are
happy to extend coverage and if the income is significantly higher
than the cost they spend money marketing to you so as to make sure
you buy the service. Truthfully the more profit for them the less
you need them.
So what kind of people are medical and healthcare insurance companies
looking for? The more of the following items that apply to you the
more they want YOU.
1. You know that time tested home remedies such as lemon and honey
have been shown to be just as effective at curing a bad cold as everything
sold at the local pharmacy
2. You believe in preventive care which isn't covered instead of
reactive care which is.
3. You don't watch a lot of TV so you haven't been convinced by the
major pharmaceutical companies that the solution to your healthcare
problems comes in the form of a pill.
4. You are not a hypochondriac.
5. You are 18-35 and healthy.
6. You exercise regularly.
7. You are not overweight.
8. You don't smoke.
9. You have a "living will" that prohibits invasive procedures,
aggressive treatment and resuscitation as you near death.
10. You haven't figured out how profitable a customer you are
If you believe that medicine and healthcare are products to be bought
and sold, then the existence of companies such as insurance companies
that try to select who buys and sells this product is logical. However
if you believe that like education, medicine and healthcare are universal
rights to be obtained based on need and not affordability then the
mere existence of medical insurance companies is a moral outrage.
To see what a society that believes medicine and healthcare are
products to be bought and sold looks like you can travel to pretty
much any third world country and look around. Those who buy medical
care can afford to, those that cannot afford to buy it don't!
