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Treating the Untreatable
Question? Should insurance companies absorb the cost of medical treatments for individuals who will not comply with medical recommendations or for whom the treatment is not a long term solution? Would individuals pay for these treatments if they had to bear the entire cost?
Example: The cost of a liver transplant ranges from $100-400,000. Should an individual with uncontrolled alcoholism receive a liver transplant when it's likely the person will continue to drink and damage the new liver - while someone who is healthy and takes good care of themselves isn't on the list for a transplant because their health is not at as critical a stage?
Example: Should an individual diagnosed with lung cancer who is receive expensive chemotherapy and radiation treatments that can cost $10-20,000 if they continue to smoke cigarettes?
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