Quote Originally Posted by jk
disagree on the "stupid sops." instead of competing on efficiency, your proposal allows competition by limiting covered services. this leads to cherry picking on the one side, and self-selection on the other, driving up the costs of the non-mandatory services. this is contrary to what insurance is for: spreading risk. psychiatric illness, biologically based, are no less real than any other illnesses - you cater to prejudice. "well baby" care reduces sick baby care. you propose disincentivizing prevention, an economic loser of a policy.
it increases consumer choice and lowers cost by debundling services a consumer doesn't want to pay for.

Mental illness is extremely subjective. It is highly discretionary. We are almost all mentally ill according to the expansive definitions of that "profession".