Those are non issues. Can an insurance company charge you more, and who are you going to ask. The only thing an insurance company can and should ask is your age, because insurance gets higher every birthday, also on the ACA they ask if you smoke and gender. That is it, not if you have diabetes, leukemia, Ms, a heart condition. They should not ask anything but age and gender. Is that what he said? Do you know that women use to pay more, due to might be pregnant now or in the future. Copays were never included in the OOP max. There was a limit of coverage, say 1,000,000. Trump does not care.
Yes, I knew that. Now, even men pay for prenatal coverage. Is that the improvement you wanted? For everyone to pay that higher rate to make it fair?
Well lets see men get women pg, or am I missing something here. Women do not get prostate ca, and yet we pay for it. Men can get breast ca, but its more a female thing, so who pays. The average baby delivery is not that much, unless a women has a preemie or ill child. Really do you want to go with this, have you ever been on the ACA? Are you also forgetting that people on the ACA are employed and pay taxes same as you do? Unless they are lower income for Medicaid, they pay taxes and work.
My point is that no one's premiums went down. instead, they all rose to match the high rate. Is that the improvement you wanted? Do you consider it an improvement? How is that better than paying for the coverage you want or need. Now, everyone is covered for having a baby, including men and postmenopausal women. Oh, and cancer treatments get dropped b3cause its too expensive, lol.
No one is making you buy insurance in the ACA, but it somewhere else, but you need to buy it.
I don't want to pay for fat asses that eat donuts all day and don't exercise, and lay around and smoke and smoke pot either, but I have no choice. I also do not want to pay for drinkers. But I have no choice. Good God this can go on and on.
That's because choice has been removed. I was (prior to ACA) able to buy affordable insurance that I needed: no baby coverage, no dr visit coverage, just catastrophic and labs. That has been removed.
Your a female no? Personally I think the man who got the woman pg should pay for it but here goes:
1. It takes two to tango. It's true, as Ellers observed, no man has ever given birth to a baby. It's also true that no baby has ever been born without a man being involved somewhere along the line. Limit maternity coverage only to women of childbearing age, and you're giving many of these guys a free pass.
2. Society has a vested interest in healthy babies and mothers. And that's all society, because unhealthy babies and mothers impose a cost on everybody -- in the expense of caring for them as wards of the public, and in the waste of social resources that comes from children unable to reach their full potential as members of society because of injuries or illnesses caused by poor prenatal and postnatal health.
Child mortality rates are among the most important indicators of a nation's overall health profile, and the
U.S. rate stinks compared with the rest of the industrialized world's -- at 7 deaths of children under age 5 per 1,000 live births, it's worse than Israel's, South Korea's, Japan's and every Western European nation's. That's why maternity and newborn care and pediatric services are among the
10 health benefits that Obamacare requires to be part of every health plan.
Some of these benefits are so important, they're required to be among
the free benefits of catastrophic health plans that may be sold to individuals under the age of 30. They include anemia screening for pregnant women and folic acid supplements for women of childbearing age.
The most important reason is this one:
3. Universal coverage is the only way to make maternity coverage affordable.
Up to now -- before Obamacare's rules kick in Jan. 1 -- only
12% of policies in the individual insurance market offered maternity coverage. Those that offered the coverage often did so as separate riders imposing huge deductibles for maternity care alone -- $5,000 for maternity services, according to
a 2010 survey by the House Committee on Energy and Commerce, and limits on benefits of only a few thousand dollars. The cost of maternity and newborn care is the principal reason that, pre-Obamacare, women were systematically charged more for health insurance than men.
Because insurers pitched maternity coverage in the indivdual market only to buyers of chilbearing age, the premiums were high and they still made almost no money on them. One company internal memo reviewed by the committee stated that its loss on maternity riders came to 90% of income, a money-losing ratio," the memo said.
But that's what happens when you sell an insurance benefit to a narrowly defined market. Without the cross-subsidies inherent in a large pool of insured people, no single coverage is affordable to those who specifically need it.
Yes, men should pay for pregnancy coverage, and here's why
Please don't tell me your pro life too. And Abortion should be illegal.
