While I understand the argument lines against big government and such, I really have trouble opposing universal health care as a practical matter. Not looking for debate on what should be covered here, but have these people every actually dealt with a health insurance company?
I've had a few doozies over the years. 2003: three stitches. Yes, I was enrolled in college at the time and a dependent on my parents insurance. No, I am no longer enrolled. Yes, I do think you should cover this since I was enrolled at the time. 2009: skin pathologies. Yes, I had a referral to the derm & derm surgeon. No, I did not bring my biopsy or the larger skin sample to the lab myself, so I did not pick the non-HMO lab. Yes, I do want you to work this out with my doctor, and No, I will not pay the fee until it is resolved.
Most recently, a call to the insurance folks, not our benefits office (thinking, crazy me, they could answer my question), more or less verbatim.
Me: Hi, I'm calling about my reproductive benefits.
Customer Service Lady: OK blah blah
Me: So I understand my plan covers 1 IVF at [specific major medical center].
CS: Yes, it does.
Me: Can you tell me what that entails? I'm specifically interested if I can do monitoring at my home doctor, as he doesn't have privileges at SMMC.
CS: Well, I'm not a health care professional, so I can't tell you all the procedures associated with IVF.
Me: Yes, ma'am, I understand. I want to know what specifically needs to be done at SMMC. For example, do I need to do only the egg retrieval and transfer there for coverage, or do I need to have all the monitoring and other visits there too.
CS: Your plan covers one In-Vitrooooo Fertilizzation [very slowly, in case I didn't know what IVF was]. So I think that needs to be done there but you can do other OB related visits elsewhere.
Me: So you can't tell me what exactly needs to be done at SMMC? [I omitted the part about this having nothing to do with my OB, since I realized at this point this was useless]
CS: I can only tell you what I have on your benefits coverage.
Me: Right, I have that list too. So if my doctor's office calls and asks about billing codes, can they find out what exactly is covered and what I need to do at SMMC to get the coverage?
Me: But all you can tell me is I have coverage for one IVF, but you don't know what procedures.
Me: OK, thanks, I'm going to go beat my head against the side of this train car now.