There is probably no single piece of legislation about which most Americans can “wax eloquently” or at least think they know all there is to know about the 2010 Patient Protection and Affordable Care Act (more commonly known as ObamaCare.) Yet, if you ask a random group of Americans why they oppose ObamaCare, they will often cite incorrect information about its provisions.
But the fact is, if you are one of those women who has an individual plan, a small group plan or are uninsured, this legislation has significant benefits. That’s YOU, women. We’re talking about providing necessary preventative care to 47 million women and that’s not chump change. Effective August 1, 2012 or at your next renewal date, women will have access to a large number of preventative services which must be covered by their health insurance provided.
In the event you men out there think the new health insurance law benefits women more than men, you’re right. In fact, that’s one of the arguments proffered by people who oppose ObamaCare. The U.S. Supreme Court in finding ObamaCare constitutional, dismissed this argument finding that since women are twice as likely to use health care services, the overall finding is that all the new preventative care provisions, will ultimately lower medical costs.
Here’s a staggering statistic from an article entitled, “ObamaCare and Women: ObamaCareWomen’sHealthServices:” Over half of U.S. women have put off or delayed preventative services due to cost. That’s simply an incomprehensible statistic. According to Think Progress, under ObamaCare, women will have access to the following 10 preventative health care services:
Link: http://obamacarefacts.com/obamacare-women’shealth services.
1. Well-woman visits: This provision guarantees coverage of preventative care with no cost sharing such as high co-pays, deductibles, or co-insurance.
2. Maternity care will be required in new insurance plans. This type of care is routinely excluded in the individual insurance market. Currently, only 12% of plans sold on the individual markets even offer maternity care. Once ObamaCare is fully rolled out in 2014, approximately 8.7 million women will have guaranteed access to maternity care in all individual and small group plans.
3. Women can no longer be denied coverage due to conditions such as: Having had a Cesarean Section, being a victim of domestic violence or even being a victim of sexual attack. Prior to this section going into effect in Oct. 2014, adults with pre-existing conditions who have been uninsured for at least 6 months, can purchase affordable coverage through temporary Pre-Existing Conditions Insurance Plans.
4. Women will not be charged more than men for health insurance just because they are women. This practice, known as “gender rating” has been used by insurers currently to charge women higher premiums than men for the identical health benefits. Women currently pay $1 BILLION more than men each year for the same health plans in the individual market. See the link referred to above.
5. The above stated new benefits will give women more control over their health care. Thanks to ObamaCare, women no longer need a referral from their primary care doctor just to see an Oby-Gyn. Under ObamaCare, women can select their primary care docs, their child’s pediatrician from their plan’s list of providers.
6. Women will gain better access to affordable health insurance. Beginning in 2014, women, their families & small businesses will receive tax credits on an income-bases sliding scale to help purchase health insurance.
7. Insurance companies can no longer put a cap on the amount of money insurers spend on covered medical expenses. Under the new law, lifetime coverage caps have been eliminated & annual limits are being phased out. This will greatly help women since they are more likely than men to suffer from a chronic illness.
It’s important to note that approximately 39.5 million women have already benefited from the ban on lifetime caps.
8. Women and their families benefit from critical consumer protections under ObamaCare. For example, the law has already eliminated the practice of “rescission” when an insurance policy ends the moment a beneficiary gets sick.
9. Women in marginalized communities such as women of color, lesbian, bisexual and transgender people are disproportionately uninsured & subject to higher rates of health disparities.
10. Mothers will have peace of mind knowing that their children have health insurance. Furthermore, adult children can stay on their parent’s plans up to age 26.
In addition to the benefits set forth above, it is important to know that a key provision which will favorably affect young women is “The Healthy Teen Initiative to Prevent Teen Pregnancy.” This is both one of the most important and yet controversial aspects of ObamaCare. The focus of this provision, as its name suggests is “to prevent teen pregnancy by using evidence based medically scientific accurate data & methodologically sound research” to educate young women about the issues raised herein.