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Should health insurance be related to a patient's risk?
If a patient is diagnosed as pre-diabetic, but does not improve his/her lifestyle habits (i.e diet, exercise), and the condition deteriorates, should it be the responsibility of the insurance company to pay more money for medication and treatment? This also applies to dental treatment and other health-related fields. When a patient is diagnosed with periodontal disease, but oral hygiene continues to regress, why should dental insurance have to pay for more extensive treatment when the complications could have been prevented?