Originally Posted by FD
Right now the market decides what needs to be covered, whether its by companies deciding which plans to offer their employees or by individuals in the individual market. Putting government in charge of dictating minimum standards is a terrible idea because it inevitably leads to standards inflation and consumers end up with more expensive policies covering types of care they have no want or need of.
The problem is the interests of those who benefit are huge and concentrated while the interests of consumers are small and dispersed. For instance, acupuncturists will stand to gain enormously if insurance is forced by law to cover their work, and so they will lobby whatever legislature or bureaucracy you put in charge of setting standards. Consumers won't notice the extra few dollars they have to pay each month, and so more and more things get to be considered part of a "minimum standard". Its a big problem.
All of this! Chiropractic quackery is already going to be covered by this crap. You may as well ****ing cover crystal therapy or some other voodoo nonsense. It's depressing.