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:sigh:
Insurance is a risk management strategy, often it is meant to make a person whole in the event of a loss.
It is not meant to only cover things that cause people to not die.
Yes it does and no I did not.
https://en.wikipedia.org/wiki/Insurance
A person needing bc is not an "contingent, uncertain loss."
It is a certain, continuous loss for the insured.
It makes 0 sense from an insurers perspective to cover something like bc, because it is a certain loss.
They can't risk model something that is guaranteed.
Having shelter is a preventative measure from getting hypothermia.
That's immaterial anyway though, as not all types of preventative medicine are cost effective.
Even if it is, it's not always in the perspective of the insurer to cover it, it is your responsibility.
Pregnancy is not a medical condition, but again, that is immaterial.
If insurance were require all preventative measures for medical conditions, it would go to absurd levels.
Medical condition | definition of medical condition by Medical dictionary
Your opinions on this are all yours but I certainly dont share them and neither does the insurance industry.
But you did prove my point...insurance is a risk strategy? Then birth control is one of the best investments in that, since unplanned pregnancy leads to SO many other medical expenses, many of which cannot be paid for (implied by unplanned.)
So thanks, you really did make my main point.
(Of course pregnancy is a medical condition: ALL women are recommended to be under a doctor's care along the entire process. And need a medical professional of some kind at the end for a safe delivery.
Do they "have" to have doctor during pregnancy and childbirth? No...things will progress...woman and child may survive, may not, may have huge complications. Same with cancer..do people with cancer "have" to see a doctor and get treatment? No...things will progress....and people may survive, may not, may have huge complications.)
LOL Again, thanks.