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Women Financially Penalized By Health Insurance Industry


Health & Wellness  (tags: gender, health insurance, inequity, health care costs, insurance industry )

RC
- 2247 days ago - nytimes.com
You are a woman, and you have a twin brother. You're (obviously) the same age and in the same general health. You ask for health insurance quotes with identical coverage. Guess who's going to have to pay a lot more for that policy?



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Comments

RC deWinter (418)
Thursday October 30, 2008, 6:15 am
From the article:
"Women often fare worse than men in the individual insurance market, said Senator Max Baucus, Democrat of Montana and chairman of the Finance Committee.
Insurers say they have a sound reason for charging different premiums: Women ages 19 to 55 tend to cost more than men because they typically use more health care, especially in the childbearing years. But women still pay more than men for insurance that does not cover maternity care.

Read the whole story, and if you're a woman, get mad and contact anyone and everyone who has any power over the rip-off insurance industry.
 

IE Ries (237)
Thursday October 30, 2008, 6:30 am
Not a surprise, women pay more for dry cleaning, auto repairs, and just about everything else though they still only earn 76 cents to a man's dollar for the same work. Disturbing!
 

RC deWinter (418)
Thursday October 30, 2008, 6:35 am
And don't forget that old glass ceiling...the capacity to earn less as a whole as well.
 

Joycey B. (750)
Thursday October 30, 2008, 6:46 am
This is so unfair. Things need to change. Thanks Cate.
 

Hans L. (958)
Thursday October 30, 2008, 7:20 am
Thank you Cate! Woman allways pay more: shoes, fashion, hairdressers, woman specific design! In Marketing you look at what people are willing to pay....women are willing to pay more thats the simple reason why they still do! Its unfair but thats how it is! No other reason!
A man an woman with the same haircut he pays just 50% or even less!
 

Past Member (0)
Thursday October 30, 2008, 7:41 am
Thank you well what can I say I'm a woman,So I get hit hard
 

Past Member (0)
Thursday October 30, 2008, 7:58 am
We women pay the higher prices for everything, whether it is cost of living or caring for our health. And lets not forget we women are always the faults of our Sons and Daughters mistakes, even if there is a Dad who is 100% involved in caring for their kids. It is and always will be us women who take the fall for them doing wrong, but man isn't it great for them men to take ALL the credit for the things their kids do right...

Noted, but not surprised Cate!
 

Pastor Tim Redfern (581)
Thursday October 30, 2008, 8:24 am
As has been said by many, Hillary Clinton
put about 18 million cracks in that glass
ceiling, but the ceiling is still intact,
in alot of different ways.
This is just so wrong! I can think of no
good reason why gender should have any impact
on the cost of health insurance. But, the bastards
running the insurance companies are more than
capable of finding the most cockamamie reasons
why it does.
Thanks, Cate.
noted.
 

IE Ries (237)
Thursday October 30, 2008, 8:29 am
"I can think of no good reason why gender should have any impact on the cost of health insurance."

You hit it, Tim...there isn't a bona fide reason, just excuses for gouging women who already earn less for doing the same work. I don't understand why it seems that in America, it's obviously NOT acceptable to be racist, but it evidently IS acceptable to be sexist!
 

Past Member (0)
Thursday October 30, 2008, 8:41 am
Thank you Ombretta. Women suffer unfair comparisons and increased rates in the health industry and years of providers applying wrongful diagnosis codes on claims to insurance companies that collect their monthly premiums and turn around checks in payment to these providers.

Over the years when a woman turned 40 everything got blamed to the female reproductive system coded to the ovaries and womb, until the next trend etc.

A great disservice to society when women are discriminated against, pushed through the system billed more for services than men, billed for some not received, years of hit and miss DX set a wrongful presidence with a host of categories and women suffer financial consequences paying double for it.

Review your EOBs from the insurance companies, make sure your complaints are heard and well addressed by healthcare providers, share calendars and notes and take notes during OV make sure they understand you are a responsible person taking control of your well being, perhaps they will follow suit.

One day maybe the government laws and insurance practice will catch up to basic needs and humans rights of women.

"Wherever laws exist which exclude the best interest of women equal to those of men you will find evidence of discrimination." ~wc~
 

Maureen S. (35)
Thursday October 30, 2008, 8:42 am
Thank you, Ombretta. Women are still treated as second-class citizens in many aspects.
 

Tsandi Crew (95)
Thursday October 30, 2008, 8:45 am
Women often fare worse than men in many markets. Men's clothing is cheaper. Shoes are cheaper. I send my expartner to buy things. Like a car. etc. Thank you, Catholic Church, where women are considered non-human.
 

Laurie W. (189)
Thursday October 30, 2008, 9:30 am
Men should have coverage for ALL aspects of health coverage , and it's not my right to say whether Viagra is or isn't a valid need ..PS I say yes if you are in a committed relationship it does influence your connection..or lack of with your partner...Now on the other hand I want..no we should demand that birth control be listed as one of those needs also covered by one's health insurtance. It's a no brainer friends..when you are on the "pill" etc you have to go in for yearly exams to get your prescription renewed...at this time they do a pap..breast exam..ask general health questions...If there is a problem it's addressed..alot of lives could be saved ( ovarian,breast cancer etc) with these yearly visits....Child bearing years...years birth control would be used is the greatest percent of woman's lives. This needs to be changed..and we all know it cost less for preventive medicine than the amount of a cure.
 

Carolyn T. (234)
Thursday October 30, 2008, 10:01 am
Noted. This is an excellent example of the gender discrimination that still exists...and there are many, many others that simply have not yet been held up to the light of public opinion. We need to bombard Capitol Hill and target those insurance companies which engage in this odious practice.
 

Past Member (0)
Thursday October 30, 2008, 12:31 pm
What's kew with us gals?
Louise B.
 

ROBIN M. (312)
Thursday October 30, 2008, 12:38 pm
IT ALL COMES TO MORE MONEY FOR WOMEN EXCEPT FOR WHEN IT COMES TO PAY SCALES THEN THATS WHERE THE SHORT FALL COMES IN. THEY CLAIM WE CAN'T DO THE WORK OF MEN SO WE DON'T GET THE PAY. SO MUCH FOR WOMENS LIB THESE DAYS.
 

Lynn Christy (128)
Thursday October 30, 2008, 12:40 pm
why is it tho that men pay more for life ins when they die at a younger age?... go figure that one out?...:(... i know one good reason... and i am sure you all know it too... men ignore their bodies and don't go to the doctor even when they know they should... that might have something to do with it...:)
 

Lynnzie S. (40)
Thursday October 30, 2008, 1:53 pm
Noted - thanks for bringing this to my attention
 

Deborah Hooper (59)
Thursday October 30, 2008, 4:47 pm
You try having a baby and no stretch marks!
 

Denice G. (45)
Thursday October 30, 2008, 6:32 pm
This has gone on since I first started working @ 16 yrs 18 years ago I quit my job to move to the beach and the man they hired to take my place was automatically paid 5K a year more than I had been paid. He only lasted 3 months. It is so demeaning to women that this can be done to us. Everything costs more and we are paid less, and then when it is time for social security, we don't get as much because we didn't make as much.
 

Millisa Davis (46)
Thursday October 30, 2008, 8:20 pm
So Noted and a BIG AMEN TO ALL THE COMMENTS!!!!!! Equality for Women just isn't coming fast enough!!!
 

Ann Sumpter (28)
Thursday October 30, 2008, 8:36 pm
Noted - thanks Cate
 

Past Member (0)
Friday October 31, 2008, 5:15 am
Yes, I agree.
Education, careers. This trickled down from women paid less. Women are used as catch all to support a system designed for men, always have been and will be, until things change.

Domestic, medical and government economics legal system. Also, some men manipulate and abuse women while manipulating the legal, medical, healthcare and financial system to their advantage and in both cases it trickles down to financial burdon for women, some left disabled with wrongful debt for medical care and credit card brought on by deception, harm, lies, violence.

They do it because the laws allow it.
 

Louise L. (48)
Friday October 31, 2008, 2:32 pm
Gender discrimination is alive and well, and this in times when gays are allowed to marry and everyone understands what it means to be born "in the wrong body". I guess at this point we should be happy we can even vote. I cannot understand why it is automatically assumed any man can outwork any woman; that depends on work ethic which few people have now. Thanks, Ombretta.
 
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