I have to say that the needle on my skeptic meter just broke. Again. ike a lot of people, every year I have to renew my medical insurance where I work. It only takes a minute, it’s all done online of course, and I choose the same plan I have had for several years now. I haven’t really looked to see if the coverage has changed since I originally opted in those years ago and was interested if there was additional coverage, or, what I was expecting, something the plan no longer covered.
I wasn’t surprised overall but I came across a coverage that I recall has been there since day one that really angers me: Chiropractic. People wonder why their premiums for medical coverage are so high and here’s an example of why. This is something I would never use because even though these practitioners of voodoo call themselves doctors, well, no, sorry, they’re really not.
It’s even been documented that these treatments may be dangerous. That’s right, getting an adjustment because of a back or neck problem could injure someone – permanently.
Why not just include homeopathic remedies in the policy as well? They are about as effective, aren’t they? I’m not one to make a suggestion to our fearless leaders in Washington, but maybe, if they’re looking for a way to lower individual/family insurance premiums, take a look at what is covered and remove anything that is voodoo “medicine” as something to be covered. Watch those premiums fall.
The reason I say that is because a couple of years ago I had a conversation with someone I know in the health insurance industry. She told me that premiums were based on 3 main criteria: Sex, age, and over health of the insured. That makes sense of course. She went on to say that there was a 4th – risk assessment of certain procedures. I asked what that meant and was told that the riskier a procedure covered, the more expensive the premium. Did chiropractic fall into this category? Yes, I was told although not as high some others, but covering chiropractic would definitely add to the monthly premium because it’s not a real medical procedure.
Take that in. Not a real medical procedure. So why is it covered if it’s not deemed a medical procedure? I couldn’t get much of an answer other than it’s a common practice and that companies, to keep people, ask that it be covered. Yeah, it didn’t make sense to me either.
Years ago, when I was married, my wife became mostly disabled by a lower back problem. She went to a pain specialist (an M.D.) to hopefully receive some sort of diagnosis. Even after an MRI, he could find nothing wrong, telling her that it was probably muscular. At that point, she decided she wanted to see a chiropractor. I shook my head, No, as I’ve never known anyone to be cured of any ailment by any of these people not to mention that everything I’d read about it told me that in fact it could make the problem worse.
She ended up going to get a massage. Yes, a massage. Guess what? The problem slowly disappeared over a few sessions and of course I didn’t mind us paying for that if she wanted to go every week. Although voodoo was covered in our insurance, massage wasn’t. Still a fix for $50 per session was a lot cheaper and a lot less risky than someone manipulating the spine that never went to medical school.
That’s why my meter broke. I’m still paying for garbage “medicine” that I shouldn’t. In fact, I’m going to call the company next week to find out how much covering this procedure costs me a month. I’ll update if I ever find out.