Ladies! Want a Free Checkup? Check this…
No matter what side of the aisle you belong too (or if you like to sit in the aisle), it’s important to be aware of the services and benefits that Obamacare offers to us ladies.
Even if you’re against the Affordable Care Act, you can see this as a silver lining; if you’re for it, the following points probably contributed to you’re pro.
Here are a few ways that ladies will benefit, as reported by the DailyBeast.com…
…women will no longer pay up to 150 percent more than men for the exact same health benefits. Under a current practice known as “gender rating,” insurers can charge women higher premiums than men—in fact, women now pay $1 billion more than men each year for identical health plans in the individual market. As of 2014, gender rating becomes illegal in all new individual and small group plans.
…in the current individual insurance market, coverage for maternity care is routinely excluded. Only 12 percent of plans sold in the individual market offer maternity coverage, which is frequently inadequate because of long waiting periods and deductibles that can be as high as the cost of the birth itself. Once the Affordable Care Act—otherwise known as Obamacare—is fully implemented, about 8.7 million womenwill have guaranteed access to maternity and newborn care in all new individual and small group plans.
…[it’s] common in today’s market for insurers to refuse to cover women because of gender-based “preexisting conditions.” These conditions can include issues such as having had breast cancer or a Caesarean section or having been a victim of domestic violence or sexual assault. This practice, too, will be outlawed under Obamacare in 2014.
Preventative Health: Screenings & Services
….[there is] guarantee of recommended preventive-health services with no cost sharing, such as copays, deductibles, or coinsurance. More than 50 percent of women have delayed seeking medical care due to cost, and one third of women report forgoing basic necessities to pay for health care. Under Obamacare, insurers are now required to cover critical preventive services such as mammograms, Pap smears, and well-baby care without cost sharing.
Preventative Health: Contraception, Counseling, & other Benefits
….more services specifically for women will be added to the list of preventive care that must be covered at no additional cost. That list includes contraception, gestational diabetes screening, breastfeeding counseling and equipment, annual well-woman care (in other words, a visit to the OB-GYN), and screening and counseling for domestic violence and sexually transmitted infections, including HIV and the human papillomavirus.
This infographic from ThinkProgress Health breaks it down for you!