If you go with that rationale, who will determine on a case-by-case basis, those for whom this birth defect exists?
Even if you want to make that argument, there are many types of birth defects. Insurance companies pay for life-threatening or medically necessary defects, but they don't pay for quality-of-life procedures.
Some people would consider being born ugly a birth defect. Do you think insurance companies should pay for them to have plastic surgery?
|