T unethical for insurance companies to charge high risk people a higher premium than low risk people

Hopefully a year or two down the line it won't turn out that if she had had that MRI it might have saved her life. Reply 24 Curt June 8, at 6: All they are saying is that there are positive and negative consequences to every action, and insurance companies in particular have been able to somewhat identify and quantify the costs of those behaviors.

And we haven't been for some time. How much is that costing us. To send a strong message to investors in the medical industry to use other avenues to grow their profits, and not to do it at the expense of the lives of the american people.

Margo If the public option is taken from the table then the insurance companies will have no incentive to be competitive.

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Making one pay for the consequences of their own decisions does not equal individuals losing freedoms no matter how you look at it. Individual payers have no recourse when coverage for a condition or incident is wrongly denied, except for lengthy, expensive legal battles.

If your actions are affecting others negatively, then their must be a way to discourage your behavior AND to help lessen the impact. I think the proposed Health Insurance Reform, giving all patients a not-for-profit public option for health care, where the patient is the primary client is needed to help offset Health Insurance Industry's profit-centered practices.

Bernard Dare Analyze and adopt the best of the European programs. Jeff Struthers A C-span interview with the CEO of a major modern urban hospital succinctly revealed the root cause of the inexorable rise of health costs.

The condition of the car. Christian Private I think we should quantify that even more so: But I understand there are higher priorities, like spying on Americans by capturing their phone calls, e-mail, text messages and who knows what else for scrutiny by NSA, and invasive TSA searches and who knows what else.

The 1st at-fault accident was worth 3 pts, the 2nd 4pts within 3 years of each other. This is self-inflicted risk that clearly results in higher medical costs. Gayle DeForest We need universal health care in our country. Josh Single-Payer is the way to go.

Wal-Mart, which insures more than 1 million people, is one such company. Let's set some caps on extremism: Think of the savings in paperwork. What do you think. If you have decided to purchase car repair insurance, applying for the coverage online can be a good idea. The first question is: When they get their habits under control then their premiums could also be lowered.

Reply 22 James June 8, at 6: The vehicle may be totally recoverable or may have a salvage title that indicates that the vehicle has been involved in some sort of action where the original title no longer applies.

See you at the polls. Give America two weeks for review of the Bills and to contact their legislators before congressional voting. Cost is then negotiated entirely between the provider and the patient. Jan 16,  · Should obese people have to pay more for health insurance?

It makes sense because, they tend to have more complications down the road, i.e. cardiovascular disease, diabetes, etc. Since insurance is about risk, people who smoke have to pay more for life insurance and people who live in high density neighborhoods pay more for auto insurance.

Thus, as noted by Norman Daniels (), under this view insurance companies claim a moral duty “that low risk policy holders should not be punished with high premiums on behalf of the higher risk policy holders” (p.

). I believe we need to address the high cost of auto insurance, which has impacted our state’s economy by taking money out of people’s pockets and not being spent in the local economy. Sep 25,  · That's how insurance works - actuaries attempt to determine which groups present the higher risk and charge them higher premiums.

Insurance has to work that way, or low risk groups don't find the insurance worth buying. Jan 16,  · Higher insurance premiums for obese individuals? Discussion in 'Pre-Medical - MD' started by diabetes, etc. Since insurance is about risk, people who smoke have to pay more for life insurance and people who live in high density neighborhoods pay more for auto insurance.

Charging Smokers Higher Health Insurance Rates: Is it Ethical?

Is it unethical to charge a higher premium for larger individuals. Bad Faith Insurance Claim Practices. Bad Faith (BF) Insurance Claim Practices why is it that some (bad faith) insurers can charge lower prices for insurance than other (good faith) insurers? Then find the Health insurance companies and their high level executives are single-handedly to blame for the country's significant deterioration.

T unethical for insurance companies to charge high risk people a higher premium than low risk people
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