Health Insurance
Remember when the cigarette companies tried to tell Hungary that they save Social Security money when people smoke? That’s because they die earlier.
That got me to thinking. With some HMOs it is easier to get care when you are not very sick. I’m not implying any bad action on their part, but there is a definite economic incentive in many cases for you to die if you are very sick.
They should be required to include a life insurance policy with every health policy. It doesn’t have to be large: maybe $10-20k or so. Maybe it could be required for them to offer the option.
This changes the economic incentive. For example, maybe a doctor would be given more encouragement to consider surgery even if there’s only a 30% chance that it would save the patient’s life.
Tags: companies, health, health insurance, hmo, insurance, Insurance Policy, life insurance
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