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How California Health Insurance Helps Women
The issue of birth control being covered by insurance plans has seen a lot of disagreement
, but insurance companies are now covering birth control. By 2013, women will have even more help to protect their well being and their children.The new proposed coverage applies to all forms of birth control methods that have been approved by the FDA (Food and Drug Administration), such as pills, IUD's, morning-after pills, and long-acting hormonal contraceptive implants. In addition, coverage will also be available for other services, such as domestic violence counseling.
To support working mothers with babies, free breast pumps will be available. Breast milk is not only easier for babies, especially those born prematurely, to digest than formula, but breast milk has special ingredients to protect babies from disease. It's so unique that formula cannot copy the chemical makeup of human breast milk. Ear infections and diarrhea are more common among babies who only get formula.
When Will California Health Insurance Offer More?
The illness prevention package for women and babies will be offered January 1, 2013, according to officials. Initially, an estimated 10 million women are anticipated to benefit from the increased protection. In most cases, it's expected that the coverage this will result in an increase in CA health insurance premiums.
The prevention of unwanted pregnancies and illness among babies is well worth the cost. Last summer, government research showed that unplanned pregnancies constitute half of all pregnancies due, in part, to women missing birth control pills. The additional domestic violence counseling also stands to protect both woman and children.
The birth control mandate has faced objections from conservative and religious groups. Here there is opposition to coverage for the morning-after pill that has been available in other countries for years. Certain groups consider it to be a substance that induces abortion (an abortifacient) and not a contraceptive method.
To address this, Kathleen Sebelius, as the Secretary of Health and Human Services, included a provision permitting religious institutions to avoid offering California health insurance plans with birth control coverage on moral grounds. However, the obvious result of making birth control harder to get is more abortions or more children being born to suffer in dangerous situations. Birth control is an alternative to abortion and child abuse.
Cynthia Pearson of the National Women's Health Network also said that it is the time to acknowledge birth control as a part of health care to improve women's health. Proper birth spacing, usually 1 to 2 years, has been found to promote a healthier pregnancy for the next child. Unplanned spacing predisposes babies to problems, such as premature birth, low birth weight and autism. Research also shows that even co-pays discourage some women from using birth control methods.
Public health experts envision that the new coverage will encourage the use of more expensive and long-acting contraceptives, like hormonal implants. Compared to contraceptive pills, the use of hormonal implants is more reliable. That's the reason why implants are gaining popularity in other countries.
Expect Higher CA Health Premiums
To provide increased protection for babies and mothers with more preventive care, the cost will be distributed to other health insurance consumers. Thus, a slight increase in premiums is expected with this mandate. However, the administration did give insurers flexibility in terms of what they can decide to cover. For example, CA health insurance plans can charge co-pays for brand-name drugs as compared to generic drugs.
One way to offset higher premiums may be to switch to a plan with a higher deductible. Preventive care will still be covered, as long as in-network providers are used, no matter what the plan's deductible is, but the premiums can vary by hundreds of dollars. Typically, the plans with the higher deductibles cost less. Since these plans don't cover anything beyond preventive care until the deductible is met, it's wise to gradually reduce the deductible.
Set aside what is saved each month with the lower premium and when enough has been saved to cover a higher deductible, change plans for greater monthly savings on the premiums. It's like climbing a ladder: be sure your feet are firmly placed before you move upward. By climbing to lower-priced plans gradually and building savings to cover increasing deductibles, you can end up drastically cutting your cost for California health insurance.
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