
Originally Posted by
Melonie
not meaning to be facetious, but why would you ever want to seek group insurance coverage where the group of people to be covered have a need for medical care that is statistically quite a bit more expensive than the general population. If you step back and take a serious look at the group of girls in the dressing room of a typical club, you tend to discover the following ...
A. drug use/abuse is significantly higher than in the general population
B. eating / sleeping habits are significantly less healthy than the general population
C. potential exposure to HIV, hepatitis etc. are significantly more likely than the general population
D. potential for injuries due to a violent situation are higher than the general population
E. potential for physical problems with knees, toes etc. are much higher than the general population
Granted, these generalizations may not apply at all to upscale clubs. They certainly don't apply to whatever percentage of 'serious, professional' dancers that are working at any club. However, they do apply to the proposed Insurance Group of "Exotic Dancers" as a whole, thus insurance companies are not going to differentiate ! And like an Insurance Group consisting of 'Deep Sea Divers' or an Insurance Group consisting of 'Coal Miners' or an insurance group consisting of 'DEA Agents', the premiums charged by the underwriting insurance company will in all probability be higher than those charged of the general population or of a 'high risk' group member purchasing individual coverage without the insurance company knowing she is a member of a 'high risk' group.
Put another way, if exotic dancers had group insurance coverage they would use it (where many don't now). The costs to the insurance company as a result of exotic dancers using their coverage would be significantly higher, as a group, than the costs generated by the general population. Thus, even if the 'efficiencies' of group insurance coverage resulted in a 10-20% discount over individual coverage, the 'markup' in group premiums necessary to cover typical insurance company costs created by exotic dancers compared to the general population would almost certainly be 10-20% higher if not 50% or 100% (as is already the case with other groups that generate significantly higher than average medical bills).
The fundamental principle behind insurance is to spread the cost of expensive but low probability events happening to one insured person among a much larger group of people. If that larger group of people all have a higher than average risk because of their 'risky' job or 'risky' lifestyle, and there aren't any 'average risk' people in the group to pay insurance premiums but not create additional high costs for the insurance company to absorb that elevated risk, then everybody that IS in the group will wind up footing higher insurance premiums to cover the higher than average costs that the group members all create.
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