As of late, I have been having issues with well child care and my insurance company. Without getting into too much detail, my carrier believes in a yearly cap on well child care, which I have surpassed.
Well child care is defined as “health care services provided to a healthy child or newborn” (Google Define). Now, I am extremely fortunate to have a very healthy child. Well child care visits are the routine visits that an infant or child makes to insure proper health (and to get vaccines). As any parent knows, the first year of a child’s life is essentially trips to the doctor’s office, as either well child or no. Now, some insurance carriers can choose to forgo well child care completely, cap it, or cover it. If you are part of the fortunate group of the latter, bless you.
This brings me to my point. Why is well child care not covered or partially covered by insurance carriers?
First, vaccines are a necessity of modern life. Many died in order for science to create vaccines which save lives. If people in times past had the option of a shot with possible side effects versus a hard death at the hands of smallpox or mumps, many would take the vaccines. As many countries currently do not have access to vaccines, this is a blessing that we can count on. Even if you are on the side of no vaccines, at least you have a choice. Many don’t.
Secondly, in reality, what costs an insurance company more? Paying for the shot or paying for the illness? Realistically, the insurance company will also have to pay for the therapy I will need if something catastrophic happens to my kid.
Thirdly, the insurance companies choose to pay for Viagra and JUST RECENTLY had to start paying for birth control. It seems as though insurers want to play Russian Roulette with health conditions. “We won’t pay for the pill and we will pay a percentage of an unplanned pregnancy.” Ironic, maybe. Illogical, definitely.
With the current state of health care in America today, and the additional fears of epidemics, parents must be vigilant and become the best advocate for their child’s health care as they can. It is simply not safe to assume that anyone will be as involved as a parent is.