Why are some things covered by insurance and not others?

"Pre-existing conditions" - I don't think that's right at all. They'll pay for someone getting an organ transplant, but they'll pay for nothing when it comes to the joint in your jaw. Oh no! It's not that serious. It doesn't hurt at all! My jaw has only been locked for 27 hours. It's no big deal. So what if I can't eat anything. Big deal. My jaw bone may erode over time, but that isn't serious. If I understand correctly, I'm 16 and I'm covered by my mother's insurance, so as soon as I turn 18 I'm screwed, right? They can't, sorry, won't pay for my hospital bills when I go to get a echocardiogram or when I get the hole in my heart covered. Or any dental work I might, and probably will need in the future. Seriously. What the **** is wrong with the health care system?
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It's like buying a lottery ticket - if you could wait until after you knew what the numbers were, you'd ONLY buy the winning numbers - so the cost of the ticket would have to go up, to cover the payouts. If you could buy car insurance AFTER stuff goes wrong, to cover the accident, and you have a $20,000 accident, your policy would HAVE to cost $20,000 to cover the costs. Same with health insurance. The only reason why you can buy health insurance for UNDER $500 a month (according to consumer reports, medical expenses are more than $7,000 per person, in the USA, on average) is because most people don't use that much in benefits. For every 100 people paying in, if they ALL have preexisting conditions, then they ALL have to share the medical costs. The money to PAY for the bills, comes from the other people buying the insurance. If 100 people want to pay $200 a month for insurance, then only ONE of those people can have a $10,000 claim. and most of the others, have to have NO claims. But if all 100 of them are going to file a $10,000 claim, well, where exactly do you think the insurance companies get the money from? And in many cases, they do NOT pay for organ transplant. Why didn't you buy health insurance BEFORE you needed it? That's when you have to buy it. AFTER the stuff goes wrong, it's too late. And what's wrong with the health care system, is that Americans are fat and lazy, and want the best of everything AND WANT SOMEONE ELSE TO PAY FOR IT. They don't want to lose weight, they don't want to quit smoking, they refuse to practice chastity, they won't give up their fast food, and they won't walk/bike anywhere. But they want someone else to pay for the hospital bill for the baby, and the weight loss surgery, and the lung cancer - and the diabetes medicine. If you eliminated PREVENTABLE medical bills, for cancer, sex related issues like HIV and pregnancy, and obesity related issues like, oh, hypertension, insulin dependency, heart problems, it would cut medical costs more than half. So, if you can get people to agree to eliminate coverage for PREVENTABLE medical expenses, then maybe some preexisting conditions - NOT caused by preventable things, could be covered. Good luck on that. If you get a full time job, or two, when you turn 18, and work your a** off, you'll be able to have insurance to cover you. AND you'll be able to buy, out of pocket, whatever dental work you want.
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