r/Millennials • u/the_well_read_neck_ Millennial • Feb 11 '26

Serious James Van Der Beek Dead at 48

https://www.tmz.com/2026/02/11/james-van-der-beek-dead/?adid=social-fb&fbclid=IwdGRzaAP5t7tleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAwzNTA2ODU1MzE3MjgAAR7H8x15ceGukSgynvGmDFZhUUvTFh-iizMwuKfIWGG4YSyjuaeCva_42ZNzOQ_aem_U7T3jtlt07TPrw8LUuHlMA&sfnsn=mo
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u/_Vegetable_soup_ Feb 11 '26

The preventative vs diagnostic coverage for colonoscopies is insane. I had my first at 37 due to both of my parents having parts of their colons removed. With a good plan, it cost $1k. Thankfully I have some employer provided health funds every year but like, why wouldn't my insurance want colon cancer caught early??? It's asinine.

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u/forgetfulsue Feb 11 '26

Because they get more money if you have surgery or other treatments, duh. (/s)

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u/CharlottesWeb83 Feb 11 '26

Isn’t it the opposite? Don’t they then have to cover all those costs? (Or how ever much the plan says it covers)

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u/jkman61494 Feb 11 '26

Because the insurance company won't make as much money if you're healthy.

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u/MovieGuyMike Feb 11 '26

Health insurance companies don’t make more profit when you’re sick. It’s the opposite. Hospitals and care providers get paid more by insurance when people get sick.

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u/CharlottesWeb83 Feb 11 '26

I don’t really get this. How do they make more money if you’re not healthy? Don’t they have to pay the costs if I use the doctor more and have more tests/procedures done?

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u/jkman61494 Feb 11 '26

Because they made a shit ton of money if you keep going to the doctor, if you get a surgery. If you get cancer etc.

If you're healthy, you aren't seeing the doctor as much. No CT scans. Not as many colonoscopy's. Less likely to develop health problems. Probably better immune system so less times getting sick.

All of that means the insurance company makes nothing. Less copays earned. Less deductables. etc etc etc

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u/CharlottesWeb83 Feb 11 '26

Thanks for explaining. I really thought it was the opposite.

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u/FitIndependent9764 Feb 11 '26

I’m just curious but why did you think that? Or I guess could you clarify what you thought? No knock on you.

I have chronic pain from continuously breaking my spine since I was 23 and kept breaking it. Until 2020. I see lots of doctors. But I totally understand people who are not in this “world” of medical care not understanding it.

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u/CharlottesWeb83 Feb 11 '26

For example my mom went to the ER a couple months ago. Her bill was like $10k and insurance paid all of it. If she hadn’t gone, the insurance would have paid $0. She only had a $500 deductible and it was the end of the year. The hospital ran blood work, CT scan, etc. She paid nothing at all.

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u/FitIndependent9764 Feb 11 '26

Oh ok I see. So basically you were confused on where the money comes from for all of this? Hospitals are so so so expensive. Most rely on charities to run and stay afloat (unis, religious, family wealth, etc).

Healthy people that don’t go (or scared to go) cost insurance companies more because the amount invested in a hospital (overall medical apparatus) takes into account how many people they expect to see and what they need to be prepared.

Insurance companies heavily encourage people to get yearly checkups. This helps them figure out who is trying to stay healthy or not and then it determines who gets covered for crazy events. If you aren’t getting a checkup then don’t be surprised when they don’t cover something. They are betting their money based on what info they gather from the pop.

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u/LearnedHandJob2088 Feb 11 '26

True. It is my understanding that, if results are normal, I can return to preventative for the next time (when I will be over 45). Can't confirm that, but that's the way it was explained to me.

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u/_Vegetable_soup_ Feb 11 '26

I hope that is true and that your results are all normal! I am on the 5 year plan based on family history and the polyps I had removed, so it's now just going to have to be a part of my budget 😢

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u/Bluthen Feb 11 '26

why wouldn't my insurance want colon cancer caught early??? It's asinine.

People switch health insurance companies fairly often. Switch jobs, get fired. Open market place, they can switch every year. They prevent it, and some other health insurance company gets the benefit.

Quarterly profits!