It’s pathetic. For every step forward we take to improve women’s reproductive rights in this country, we take at least five steps back. The latest example: women who are forced to buy individual insurance plans (i.e., are not on employer-based plans protected by Title VII and who earn too much to qualify for Medicaid) are utterly screwed if they find themselves in a family way in the wrong states:
[M]ost individual health insurance markets don’t cover maternity care. In fact, according to the Kaiser Family Foundation, only 14 states have a requirement for such coverage, and the number of plans without maternity coverage continues to rise dramatically. Why? Anthem Blue Cross — which has been actively fighting health care reform — considers pregnancy optional and therefore not necessary to insure.
You read that right. In 36 states, pregnancy is considered optional, even in those areas where abortion providers who haven’t been assassinated are more than a "short ride" away.
Following this logic, one would assume, then, that since insurance companies consider pregnancy optional, they would provide coverage for female contraceptives under these individual plans, as a hedge against those horridly expensive, optional vaginal deliveries. One would assume wrong, of course. Birth control is still not covered under these plans.
(Interestingly, I’m still looking for the amounts insurance companies pay out annually for Viagra and Cialis prescriptions… )
Moreover, the National Women’s Law Center issued a study on the major-league failure by the individual health insurance market to serve women, and it just gets worse: (.pdf link)
Except where prohibited in ten states, or limited in two states, insurance carriers are free to charge women and men different premiums for individually-purchased insurance under a practice known as gender rating. This discriminatory and arbitrary practice creates substantial financial barriers for women seeking to obtain the health care they need. [emphasis mine]
Terrific. Women, who are still paid an average of 75¢ to the dollar, face even greater financial pain because of their gender.
Oh, and by the way: if your husband beats you because, thanks to this economy, he’s out of a job and the insurance premiums have bankrupted the both of you and he can’t stand listening to the optional baby cry anymore? So sorry. Any injuries you sustain aren’t covered, either, because in 8 states (and D.C.), being an abused spouse qualifies as a pre-existing condition, as well.
Under the cold logic of the insurance industry, it makes perfect sense: If you are in a marriage with someone who has beaten you in the past, you’re more likely to get beaten again than the average person and are therefore more expensive to insure.
In human terms, it’s a second punishment for a victim of domestic violence.
We make her bear and raise our children
And then we leave her flat for being a fat old mother hen
We tell her home is the only place she should be
Then we complain that shes too unworldly to be our friend
Like I said: it’s pathetic. We’ve still got a very long way to go, baby.



133 Comments





Support this site!
Subscribe to the newsletter
Advertise on Firedoglake
Send
us your tips
Make us your homepage
About Firedoglake
Makes me want to cut my dick off and throw it at an insurance executive.
Why anyone thinks it’s smart to perpetuate the insurance racket is beyond me. To whom, exactly, would it be “disruptive” to end it?
you could throw stones instead, EDP.
Tell me again why destroying the private insurance industry is a bad thing?
I think you are targeting the wrong dicks.
Watertiger! Good to see you – on fire as usual.
I just saw the news about “abuse as a pre-existing condition” – but I didn’t realize pregnancy coverage was so rare.
I was thinking about pregnancy while listening to clips of Obama speaking to college students today – young people may feel invulnerable, but pregnancy is one thing that often happens (oh, yeah, optional? riiiight) to healthy young women.
I will never undrstand the failure to cover contraception. That battle has been going on for decades now! And yet, the minute Viagra was conceived (sorry), it was covered.
And why is that? Because men still run things.
And just as an aside, the college kids booed mention of the Baucus plan. I plan to do what I can to keep it from ever coming out of committee.
aqua kitty! *sigh* we’ve not come a long way baby
Nasty rotten dog poop.
I wish the entire insurance industry would crash and fucking burn.
Come now, Teddy, you know the answer to that – besides the executives who would miss their bonuses and golden parachutes, it would be horribly disruptive to Senator Baucus and the Blue Dogs.
Watertiger !
I am stunned beyond belief, that O’Loofah supports the Public Option … nothing more to say tonight.
I saw one today (maybe over at HufPoo) that a C-section birth is also a “pre-existing condition.”
I have a match.
Crikey watertiger, we can’t even get potty parity.
AS IF we’ll ever get party parity.
Maternity care isn’t covered under the individually purchased plans – if you’ve got an employer-provided one, you’re covered.
These damned individual plans are regulated by the states, not the federal government.
People with more money and power than we could dream of.
But they let us vote and own property, right? s/
The limp dicks in the big offices look out for each other.
And, sigh, in the usual well-my-ox-is-being-gored-so….I can’t quite hope for that just yet – my mother receives a decent , widow’s pension from my father’s employer, an insurance company, even tho’ it’s long since been bought by a bigger one.
But as soon as she doesn’t need it any more…
My father and I used to have some regular arguments about companies’ not insuring certain folks (even tho’ his company didn’t do health insurance)with pre-existing conditions. Neither convinced the other, of course.
Well I’m not the world’s most masculine man
but I know what I am and I’m glad I’m a man
and so is Lola
forking bastoids
Oh, sure – cause after one you have to always have a c-section.
Though I understand that isn’t such a hard rule in other countries as it is here.
Consumer Reports has some stats on how much they spend on direct-to-consumer advertising, which they then match up with sales amounts to get a return-on-investment figure:
Cialis: $141,834,000 in ads; $555,080,000 in sales; $3.91 in sales/ad dollar
Viagra: $122,487,000 in ads; $920,051,000 in sales; $7.51 in sales/ad dollar
TBDIOTDSWJS
Which, of course, is why the Baucus/Blue Dogs/REpubs want to allow insurance to be sold across state lines. I mean, in this case, it might look better, but as a reporter on NPR (Yes, I was amazed) explained this p.m., there would be a race to the bottom – all the companies would head for the states that impose no requirements.
There seems no suggestion that the feds should take over regulation.
There’s no reason why the Pension Benefit Guarantee Corporation shouldn’t take over the reasonable pension obligations of defunct insurance companies. I just don’t understand what the entire industry is getting us as a country anymore, especially with stuff like kitty has written about tonight.
I mean, what’s the point of having insurance companies around at all if they are going to subject Americans to this kind of injustice? Wouldn’t we be better off without them?
I was naive enough to think that one advantage of health care reform would be elimination of direct-to-consumer marketing of drugs, but I’ve seen no mention of that at all, and I’m sure any modification is prohibited in Obama’s and Rahm’s deal with Big Pharma.
No, you know I was being facetious, don’t you? Although I guess honoring their pension obligations is one of the few honorable things one could point to…
What are you, some kind of COMMUNIST?!
Don’t you love how much of the anti-reform ranting is that the “gov’t is doing too much” when actually, they aren’t doing enough. Only multiple approaches will also bring costs down; just mandating coverage, even affordable coverage with a real PUBLIC OPTION isn’t nearly enough.
Yeah, I probably am, actually.
??
I am fuming over the stupidity of this whole exercise in futility. I can’t fathom how I am going to come up with 13% more than I pay now for the fucking dick head tax to provide exorbatant bonuses for these rotten insurance bastards. I seriously wish they would all spontaneously combust. The sense of right and fairness in this country has evaporated into thin air. The country is owned lock, stock, and barrel by corporate america. How long til this is a third world country.
(Oh, the Big Dog is on The Daily Show)!
He did let us down in many ways, but I’m still glad to see him.
I don’t know the coverage now, but when I had my children, they weren’t covered for the first 5 days of life unless they were perfectly healthy. So, if there were no medical problems they were covered. But, if God forbid, they might need special care, well the freeking insurance company wasn’t going to be liable for that expense.
25 yrs ago, I worked in Social Services. One day a guy came in who looked dazed. His newborn baby had been airlifted to a city hospital for emergency surgery. Instead of being with his wife and child, he was in my office applying for the medicaid coverage that the hospital told him he’d need.
WIWJR?
Whose Insurance Would Jesus Reciss?
and
WPBCMBNHWOO?
Which Paper Bag Could Max Baucus Negotiate His Way Out Of?
This story was a trending topic on Twitter a day or so ago. I just tweeted your version there, too, with the Twitter search term I had already used: “pre-existing condition.”
Unbelievable!
Stupidity, however, is not considered a pre-existing condition for denial of health care. Too bad. They would be able to deny so many more claims than they do now.
This is why we needed a healthcare debate not an insurance one. Women’s health issues have been used as a political football to garner the non-existent support of Republicans. It is yet another reason why what we are seeing has nothing to do with reform and everything to do with exploitation, of the uninsured, of the elderly, and of women.
I am a a socialist, does that count?
See #34
Oh, lordy, yes, I remember those days – not that it ever applied to me, but I used to find it amazing. My boss in the mid-90’s had a prematurely-born son – barely 6 mos. By great good luck, our state employee insurance (at the time) coverage was 100% and from birth.
Without that, it would have been 100’s of thousands – the poor baby was in the ICU for several months. I just can’t imagine who cooked that up…well, yes I can, but it wasn’t on the basis of what people need.
In this country being a woman is a pre-existing condition. Hard to believe this is still going on in the 21st century.
Here is health care issue. From MSNBC:
Teen birth rates highest in most religious states
Isn’t it?
35 years ago I wouldn’t have believed it.
It’s why we need single payer.
WT, I’m not certain but I’m guessing that insurance companies don’t automatically cover E.D. drugs, since (for guys over 30 anyway) erections are (presumably) optional. Anyway, it is (apparently) not the mission of private insurers actually pay for stuff.
Come sit by me. Dr. Dick, you can, too.
It is that “faith based” sex ed they get (abstinence only).
I think that makes you president.
The relationship could be due to the fact that communities with such religious beliefs (a literal interpretation of the Bible, for instance) may frown upon contraception,
Duh! And of course, even if you know about contraception, being prepared means you were planning to have sex, and that would be sinful.
Even with abstinence you still gotta worry about immaculate conception…
The real shame of it is, there are no Democrats or wimmin or ethnic minorities in the House of Representatives, none in the Senate, none in the Executive branch. Because if there were, surely they would do something about this shit.
I guess we need to work harder.
No, honey, that would be logical.
All the insurance plans I have any personal knowledge of DO cover it, though not all cover as much (limit amounts) as the policyholder wants.
I only wish the president was a socialist. As far as I can see, he is only slightly to the left of Nelson Rockefeller or Gerald Ford.
They also have far less access to birth control. My daughter could have gotten her hands on birth control from the age of 13 without my knowledge or consent because it was readily available.
Used to be a whole lot of that where I grew up.
Speaking of working harder, I think the short-term goal is to bombard the Finance Committee members to vote the p.o.s.Baucus plan down, and keep it from ever getting out of committee.
It infuriates me that the “news”media seem to take for granted this crappy “plan” will be the “basis” of whatever passes.
I would really, really, rather see nothing pass than that horror.
Bethlehem?
Funny, before they started advertising all that crap on TV I had no idea hard-ons were in such short supply.
Subverting the God given patriarchy she was!
LOL
Should have put a spew alert on that rat.
NE Oklahoma. None of our good middle class white girls ever had sex before marriage (that was just those blacks and Indians and Mexicans and poor white trash), but somehow they still managed to get preggers.
Well, WT and everyone – I’m enjoying getting riled up with you all, but I need to calm down and get to sleep.
My copy of True Compass arrived today, and I hope to read a little before turning the lights out.
Don’t give up on the Public Option! (new slogan)
Night, tejanrusa.
Really good nights also included a resurrection.
Okay, according to factcheck.org, as of 2008, the disparity gap between coverage of ED meds and birth control is closing. I stand corrected.
They (the MSM) are bred to take the easy path. Over to Max’s or DiFi’s condo for drinks and off-the-record chats as their primary sources of “intelligence.”
And of course, they have to read Mike Allen’s indispensable know-how in Politico.
She is a smart girl.(20 now) She also says she doesn’t want children because of the state of the country. If she had asked me back in the day I would have made certain she got it.
Nighty-night.
disparity gap? What about the redundancy gap? :P
don’t make me kick yer ass, TKK.
I am as liberal as one can be. I’m a big big big believer in universal coverage and I believe health insurance is a right. I don’t want to be a douche, but I agree with this. Insurance is to protect you from the unexpected. Cover abortions, great, because if you can’t afford to pay a few thousand dollars when planning for a child birth, then you shouldn’t be having a child.
I don’t have children, for full disclosure. I haven’t a clue what it costs to have a child, but I doubt that insurance company reimbursement rates are that much. If it’s too expensive, then the costs should be regulated. I believe if there is a complication, that’s when insurance should pick up the costs, but a routine pregnancy should be planned and paying for it should be part of the planning.
It’s just a view I’ve held for a long time, so don’t jump down my throat, lol.
Somebody called you Kitty upthread, and MY ass is getting kicked?
Good on her (and you). I wish that birth control was much more generally available to young girls. Far too many young lives damaged or ruined because parents want to enforce a Victorian fantasy on their children.
hi and welcome to the lake
I think it was Teddy
i know i did up at comment #7
It was and Teddy has a get of jail free card.
In a word? Yes. :-p
I graduated high school in 1973. That summer I happened to catch Paul Harvey mentoning that Red Bluff, CA had the highest percentage of pregnant seniors in the country. I don’t remember the percent but about 50 girls were pregnant. I grew up north of Red Bluff so to me the obvious answer was there was nothing else to do there as it was pretty hick town in a real John Bircher county.
Now you know how I feel about having to pay more for my auto insurance. Sucks, doesn’t it?
When I was born in 1961 I think my parents paid the doctor with a 5 lb sack of taters. Pretty sure today people have to take out a second mortgage, assuming there are no complications…
Maybe.
But it is a bit inconsistent for the goopers to tell women that “All your uterus’s are belong to us,” and deny coverage for their fruit. Their take – the minute that sucker starts to emerge, we are hands-off.
And welcome.
Exactly, because anyone who thinks their kid isn’t going to do anything is just fooling themselves. When the same daughter was in 7th grade she came home one day telling me that she observed a kid performing oral sex on another kid. I was shocked but it put things in perspective for me really quickly.
but they don’t refuse to cover you for driving under the influence of testosterone, a pre-existing condition
I could have a little more sympathy for the opinion of the anti-choice crowd if the exact same people did not typically oppose contraception and sex ed.
No, they just make it so expensive when you are young that you need a trust fund to pay it, so it is de facto denial of coverage.
And, by the way, now you also know how I feel about having to pay more for my pension (same contribution for a lower post-retirement life expectancy).
Good that your relationship was open enough that she felt comfortable telling you.
I think by seventh grade my only knowledge was based on watching two dogs. After seeing them get stuck I was pretty certain sex was something best avoided.
Or social programs that help those who need it most.
In a paper bag.
ring doorbell, light bag, hide behind shrubbery!
FWDiva
I didn’t want her to have weird ideas about sex like the republics do.
They do start a bit earlier than when I was young (back in the stone ages). The average age for first sex has dropped 4 years.
Or actually adopted all those unwanted babies.
LOL!
Good for both of you. 36 years later I still worry about getting stuck… and I don’t have a partner.
Gosh darned cable TV has been the ruination of our perfect society.
Things happen substantially earlier here compared to how it was when I grew up. Of course my parents were not open to conversation and the fear factor had a ton to do with it.
I had the talk with my son when he was about 13. Told him that it was best to wait and that it was always better with someone you really cared about. Also made a point that if he did it he should be sure they were using birth control. I am pretty sure that he was not a virgin when he graduated high school and my first grandson was born a couple of years after he was married.
Lesse. I’d say about a solid 80% of insurances cover birth control (depending on the plan, which is the catch here), unless you’re on junk insurance. Then you don’t get it at all. On the flip side, maybe 15% of insurances pay for the Erectile disfunction drugs.
I still hate the fact that they refuse the birth control. It makes long term sense to cover, especially since its prescription only! It’s not like you can buy it over the counter like condoms. Stupid, stupid immensely STUPID bean counters and the execs who pay them.
Yes, i work in a pharmacy(i’m a pharm tech) so those are my guestimates after 5 years of observation.
Take heart rat, sometimes it’s more peaceful that way.
I think a big part is the availability of birth control. When I was in high school in the 1960s, it was not generally available, but by the time I got to college, the college girls at least could get it from planned parenthood. Fear, accompanied by rigid parental and societal control, are fairly effective birth control methods up to a point. Interestingly, when I graduated high school, the average age for first sex was 18 and a fraction for girls (boys were not much different), so it seems they pretty much did it as soon as they got out of high school.
My younger two are 8 years old, and sometimes it amazes me the things they are aware of at that age. I hope I can put the talk off until they are 13.
The for profit insurers business practices,societal precepts and behavior conduct seem much more 1909 than 2009.
One can only hope a moral wave of fierce power will wash this current American healthcare edifice of 19th century throwback off its foundations of corrupt profit goals,social and moral holdback and healthcare gaming based more on how Wall Street measures America and Americans.
This social and moral bankruptcy must be ended. Not because there is wrong in profits being made and taken — but because in a better civilization profits made off peoples healthcare needs and fears to suit Wall Street measures is seen as being wrong.
Make American civilization better. This is the true and deeper political goal here in 2009.
The politics of WashingtonDC must serve this goal. Now. Not later. Now!
Mind you, that was almost a quarter century ago.
It was just a few years earlier for kids doing it when I was in highschool. There wasn’t a planned parenthood anywhere near my hometown. My parents weren’t necessarily rigid, but devout catholics. Fear worked really well for me until after highschool. I ended up married at 18 and have been married since.
You are fortunate. Many, perhaps most, of those who married young after the 1960s wound up divorced.
Study links 45,000 U.S. deaths to lack of insurance
Big surprise. I am sure this can change with a public option.
It hasn’t been easy. Especially with a very sick child with a chronic illness. I never forget to count my blessings.
Time for me to toddle off. Once more to do battle against the forces of ignorance in the morning.
Nite, Dr Dick.
*waving g’nite to the leaving sleepyheads*
Some pregancies are both unplanned and birth control was used. The only 100% effective birth control method is not fucking. Do you have ovaries?
Thanks for the post, WT, however depressing.
Reminds me of one of the Star Wars movie in which Darth Vader is kept alive despite multiple war wounds but Luke Skywalker’s mother dies in childbirth. I walked out of the movie thinking what kind of people have excellent battlefield medicine but fail so miserably at obstetrical care? Guess we know now.
‘Night DrDick
I’ll be doing my part against the insurance companies as much as i can for my patients.
You be right Mary.. I am not sure what planet rxbusa comes from but….
So much for “choosing life.”
Um, howdy nahant…
So childbearing is only for those who can afford a child’s birth? Is this an attempt through insurance, to create a “wealth race”? Similar to Hitler’s dream race?
Oh, and I get it, health care does not want a part in supporting future tax payers. Then a PO it must be. Just to have future tax payers.
I think it’s the planet the rest of us come from. The metaphors are just different over where rxbusa lives.
Hey newt how ya doing??
I gave out you card today to a MAC convert… If she has problems she just may call you.. I wiped out her hard drive on her old Pc and told her you were a good contact if she needed help..
anything to help my fellow another Pup!!
thanks dude
Hey my pleasure my friend!! We computer Geeks need to help each other out in these trying times!!
This makes no sense. All kinds of coverage regarding sexual health and reproductive health but no coverage for the possible end result of sex,a conception? But coverage for STD’s, another possible end result of sex unprotected?
The industry has some stupid number crunchers there.
…This is ridiculous! My God, what the hell?!?
Only private insurance could create a situation this abominable and stupid.
Actually I live in your vicinity (Bay area). Sorry if my comment was obscure.
My wife and I are the same age, both in good health, both with our own individual health care plans with the same deductible. Hers is from Anthem, mine from Blue Shield. I pay $200/month and she pays almost $500/month. Hers does offer maternity care, which is good. I would like to tar Republicans with some stat over how many people go bankrupt by having to pay for having babies. How’s that for pro-life!
On another topic, I followed the John Lennon lyrics link; it was shocking and hilarious to see this ad pop up after a minute…
I have heard on NPR that women actually pay higher medical insurance rates across the country, even without including the issue of maternity coverage. The person on NPR was saying that insurance companies use as their excuses: women’s longer average life expectancy & claim women have more chronic illnesses than men & go more often to doctors for appointments. They say men die more often from heart attacks, etc., while women’s illnesses require more medical treatment.
These are the companies our government is protecting, at our literal expense …
@watertiger
The standard rejoinder to that is that having potentially procreative sex is optional. However considering 1) not having potentially procreative sex in a heterosexual marriage is grounds for divorce (loss of consortium), 2) sentences for marital rape are lighter, 3)most women get married and 4) have children, 5) it is considered almost compulsory to get married and have kids, 6)many women have health insurance through their spouse (or get married because of health insurance reasons), it’s stretching to call pregnancy “optional”.
Furthermore at a macro level, reproducing is not optional.
My HSA charges me 30% more for having a vagina and this doesn’t include stuff like actually being pregnant. When I was shopping for health insurance, I played with their rate quote and that’s what popped up for every single plan.
With all due respect, this isn’t really gender discrimination. This is plain old greed expressed as de facto insurance fraud–paying for health coverage that turns out not to be health coverage. Insurance companies are just using gender as an excuse.
I’m the father of two daughters, the husband of their mother, and the child of a mother. So it isn’t as if only women suffer from discrimination against maternity. In most cases, fathers will be sharing the bill for excluded OB-GYN costs–or worse, risking the loss of their wives and children.
For that matter, the fact that women earn $0.75 per $1.00 of male earnings isn’t really a women’s issue either. Most spouses work. Mine does. Which means that, as a household, we make only $0.88 on the dollar. Moreover, lower wages for women and, particularly, for skilled, professional ”women’s jobs” that men often hold–like nursing–have the effect of suppressing wages for workers as a whole.
We’re all in this together. We can’t afford to let ourselves get fragmented into interest groups or sidelined by non-issues. That’s how lobbyists always beat the left in this country. The issue is economic inequality. Gender bias is only one of the many tired excuses for it, part of the smoke and mirrors. Let’s stay focused on the real issue.
Hey there, no I don’t have ovaries. I’m not saying that unwanted pregnancies shouldn’t be terminated, but I just think like buying a house or paying for college you should save for something so life changing. Insurance isn’t a coupon to pay less at the doctor, it’s to cover emergencies and unexpected things (unwanted pregnancies or complications). I think if you smoke, you should put money aside each month for when you get cancer. And if you don’t – you’ll leave alot of money to someone else. It’s just about controlling costs.
On the other hand, if you want to have a kid, you could, I suppose, join in with others who want to have kids and use your leverage as a group to drive down the price of having the kid. But that’s not something your insurance company should do.
I realize my views aren’t going to be popular, but I just think if we’re going to make health care affordable and not make doctors government employees (though I’d support that!) we’re going to have to realize what insurance is for, the unexpected, and pay out of pocket for everything else.
This issue and this post both sound like loud cries for a sex strike.
Just think, sales of ED drugs would go down, along with contraceptives, maternity services, and pediatrics. Then there would be fewer sales in toys, children’s gear and equipment, clothes, car seats. And all of those foods, cartoons, and commercials geared specifically to children. Eventually, the entertainment industry would feel the effects, too.
Hardly any area of the economy would be exempt. And they might all then band together and demand affordable health care, especially for women and children.
Any takers? I didn’t think so. ;~)