Originally Posted by
no motor?
You're almost right. Insurance companies are in business to make a profit, not make people healthier. They don't like risk they can't control, and are happy to take in premiums from unhealthy customers as long as the odds are in favor of the insurance company. They don't like paying for things that will save anyone money beyond the expiration date of your insurance policy, and that's why they won't pay for things that you'd think would be common sense to pay for.
Funny thing, in Minnesota all insurance companies are not-for-profit.... but somehow we don't get lower rates. The company my wife works for is for-profit and does not sell in Minnesota (funny again).
Yes, they are a profit-driven company. However, keeping costs down is the only way they make money, ACA (and other regulations prior to that) set rates. And other regulations make sure certain services are covered. Therefore, keeping the insured healthy is the best way to improve profits.
You make a fine point about the companies not caring about your care or health after you leave their coverage.
Sadly, I know way more on this subject than I would like - but the wife (chief of staff for an exec) and I talk about it over drinks most every night.