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Originally Posted by graciegirl
What if the insurance folks would decide that being a vegan was unhealthy? And raise your premiums?
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Insurance companies usually have statistics to go by. For example, I believe if you buy a convertible car you will be charged a higher insurance premium. Partly it's because people riding in convertables do less well in rollover crashes etc.. We assume the cost of the insurance policy will be fair because many companies will be competing for your business.
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Who is going to make these decisions? I just read that my insurance says it is "wise" to get mammogram screening until 69. Hmmm I feel that screenings may well stop being reimbursed for older women. It is also "suggested" you get pap tests until you are 65. Who is in charge of these guidelines?
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First wait to see if they stop paying for older women. They might not. They have also said that PSA tests for men are of little or no value, but HMOs are still offering them at no cost to the patient. If they stop paying, we always have the option of going to a doctor and paying for it ourselves. Who's in charge of these guidelines? The free market will decide based on statistics. We have competition between HMOs and insurance companies.