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They don't. That's why they don't pay for it. Even though their plan covers it. My wife and I are covered under the exact same insurance plan. It covers the exact same procedures in every single way. Yet my insurance costs alot less. And thats because the insurance company, even though if I got pregnant would be required to cover the expense, they know that's not going to happen so I don't get charged for it. And the people at my office that have the same insurance policy get a reduction for their wives once they reach a certain age because they are no longer determined to be in the "Child birthing age". So even though their insurance covers it, they don't get charged for it, or at least don't get charged nearly as much for it, because it's extremely unlikely that they will use it.
That's why not everyone pays the same for insurance J. The insurance companies get your age and determine if you are likely to be needing such a service before charging you for it.
If you knew anything about insurance you'd know that. This is nothing new. This has been around long before ObamaCare. At no point did they have separate plans for old people, men, women, and younger people. You signed up for a plan, and they charged you based on how likely it was that you would use the services.
Is this your opinion? Or do you have something to back that up?