Quote from: Dee Marshall on May 12, 2015, 04:21:07 PM
Why does everyone say "getting someone else to pay" in regards to insurance?
Because insurance isn't a service. It's also not pooled funds. It is pooled risk, but that's not the same. It's true that most insurance companies make money - but not on their insurance operations. Many lose money or break even there and make the difference (and profit) from their investment portfolio. That portfolio (their general fund) is also commingled. There will be some asset segregation and segmentation for a variety of reasons, but the entire portfolio effectively backs their entire insurance book. Beyond that, they pool risk via reinsurance.
Large companies almost universally self-insure. The insurance company primarily functions in a servicing role, dealing with everything from enrollments to handling billings to handing regulatory issues and oversight, providing systems services, and yes, making medical determinations. Payment to medical providers on behalf of employees is billed back to the contracting company. Not only is your company (assuming you work for a self-insured company) doing the paying, you are getting the benefits at a subsidized costs in a variety of ways, including lower premiums and lower payouts to providers at contracted rates. Insurance contracts are just that - contracts. You are entitled to exactly what the contract provides for, no more, no less. Participation in the contracted PLAN is part of your comp, not any medical payments. It's value is the combination of your premium plus the company premium. The cost, on a level benefits provided basis, is virtually always lower than market.
Finally, subject to some specific statutory and regulatory exceptions as well as regs involving considerations like discrimination, insurance plans may exclude all kinds of things that are medically necessary. You are not covered for any medical service you may need. You are covered by what the plan provides by contract. Period.
Should you be thinking of going the discrimination route as it relates to trans services, it's of limited value. First, insurance law recognizes that some legitimate sex differences exist. But the most basic test, assuming that it's something that *could* be extended to you, is whether a denial of coverage was arbitrary, discriminatory on its face, subject to a permitted exclusion, or justifiable based on differences in condition. You can't argue for cross-sex hormones, for example, on the basis that contraceptives are covered. (Not the best example, as contraceptives are now required coverage, but it illustrates the idea.) Moreover, contracts can and do exclude all kinds of things to all plan participants. No-one gets it, no discrimination claim.
Sorry, but I've been in financial services in executive positions, including insurance companies, for over 35 years. I would like to see some of the same things you would, but it ain't gonna happen with the current financial structures.
The evil insurance company meme is a myth. If you want to point a finger and you work for a self-insured firm, point it at your company - they are the ones who specified the plan's coverage. My firm is very large, self-insured and my plan has all the typical trans exclusions. The insurance company didn't do that - my employer did. The insurance company offers all kinds of variations on their standarized plan structures and, in fact, the insurance company itself provides trans coverage to its own employees! My company didn't want to provide the coverage. I've been working behind the scenes for the last year to get that changed, and expect coverage to start with the next plan year, based on recent updates.