Monday, April 15, 2013

Discrimination Against Women In Healthcare.

    

       Through  researches was  found that women are continuously charged more for health coverage simply because they are women, and individual market health plans often exclude coverage for services that only women need, for example maternity coverage. Women continue to face with discrimination even if they trying to obtain health insurance market. Most of the women get their insurance through their employer, while a smaller number of them are covered their insurance through public programs or individual market. But there is a number of barriers when women try to get insurance on individual market. Individual markets charging women higher than men in a two ways knowing as a "gender rating" and the exclusion of maternity coverage.
-Insurance carriers are charging women and men different premiums for individually purchased insurance in a practice known as gender rating. Most of the insurance companies enjoy this practice. In a different states and insurance companies differences in charging has different point of charging. As was found the practice of gender rating costs women around $1 billion a year.
-Vast majority of individual market plans do not cover maternity care.
     One more egregious case that evidence discrimination women in healthcare is that in most states non-smoker female will be charged more than a male smoker simply because she is a woman. As an example, 56% of best-selling plans charge a 40-year-old woman who does not smoke more than a 40-year-old man who does smoke. This fact is ridiculous and doesn't have logical explanation.

     Women still have discrimination almost in all part of society life and healthcare is not an exception.

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