Insurance has gotten to the point of being downright ridiculous sometimes. While it makes sense that an insurance company doesn’t want to endanger its bottom line by taking on ridiculous amounts of risk, it’s downright tragic when a condition is treated as pre-existing and prevents a person from getting medical coverage. In some cases, this can even result from something fairly innocuous such as a mild form of autism. In those cases, it becomes somewhat ironic.
Considering that many pre-existing conditions have their origins in one’s genes, one tends to wonder if a DNA test at birth will eventually be used to identify whether an individual will be able to have their health care paid for later on in life. To the extent that many insurance companies will all but black list a person for something as simple as a condition they aren’t even getting any treatment for, it seems just shy of absurd. After all, a condition can be excluded or ridered in many states, which allows a person to be insured for things other than the treatment of that condition.
Unfortunately, a person may also end up needing to be treated even though insurance won’t touch them with a ten foot pole. What can a person do if they already have an issue that affects their ability to work? In some cases, even bankruptcy won’t protect a person from their medical creditors. All of this can actually stem from the need an insurance company has to protect itself from people who simply want a free ride in life. The downside is, like usual a very small minority ruins it for many other people.
