Women and Health Care Reforms In US

Healthcare reform in the U.S. brings good news for women. Because it is a gender-based health insurance industry, women are greater sufferers. They used to pay more and get less in return. But with the implementation of improved healthcare reform and “Affordable Care Act”, hopefully the bias against women in health care will be removed.

In a study it was seen that as many as half of women delay seeking medical advice because they could not afford it. In comparison, less than 40% of men (approximately 39%). Due to women suffering, their children also suffer. Before the implementation of the Affordable Care Act and the beneficial Obamacare tax implications, women are being charged higher health insurance premiums compared to their male counterparts. Even pregnancy was treated as a preexisting medical condition and frequently denied or charged higher health insurance premiums.

With introduction of the Affordable Care Act by the Obama Administration, everybody (men and women alike) can buy private health insurance. Women will be able to receive maternal benefits along with basic health benefits under the new law/Act. Under the new law, men and women will have access to quality, affordable health insurance, even if they lose their job, encounter a change in employment, illness, or relocation.

From the start of 2014, the Affordable Care Act will help in the following ways:

  • Under the new Affordable Care Act, an insurance company cannot deny any woman or man health insurance due to preexisting medical conditions or exclude coverage for preexisting condition(s).
  • Insurance companies cannot charge more due to gender or a preexisting medical condition.
  • Insurance companies cannot charge whatever they want (a cap will be in place) for out-of-pocket expenses, copayments and deductibles.
  • For men and women, there will be coverage for pediatric, dental and eye care under the new Affordable Care Act.
  • There will be no annual upper limit of medical expenses for new plans and existing employer plans.

From 2011, the Affordable Care Act has reduced the gender bias:

  • With the start of 2011, all insurance companies must prove that they spend 80% of insurance premiums on medical expenses and not in non-medical expenses such as salaries for executives, marketing etc.
  • All insurance companies must justify the increase in premium to State Governments and States can prevent unjustified increase in premiums.

All the above mentioned benefits will hopefully remove/reduce gender bias against women, with previous health insurance plans.

 

Image: Stuart Miles / FreeDigitalPhotos.net

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