2008 Ladies: Sarah Palin and John McCain Do Not Care About Your Uterus
posted by October 31 at 17:06 PMon
Or your ovaries, or your cervix, or your general health, for that matter. From Jezebel:
According to a study by the Times, women in the individual insurance market — the one McCain wants us to get our health insurance from if he becomes President — pay significantly higher premiums throughout their working lives than men do. In cases from Colorado to Florida to Ohio (swing states all!) women could expect to pay between 22 and 49 percent more than their male counterparts. […] And, according to insurers, there’s one basic reason: women use preventative care.
In general, insurers say, they charge women more than men of the same age because claims experience shows that women use more health care services. They are more likely to visit doctors, to get regular checkups, to take prescription medications and to have certain chronic illnesses.
Oh, the same insurance company apologists try out the whole load of shit that it’s about the expenses of being the ones that push out the babies, but even in states that allow women to opt out of pregnancy coverage, women still pay significantly more. Like a woman in the article, in fact, I don’t have medical coverage if for some reason my multiple birth control methods fail:
Crystal D. Kilpatrick, a healthy 33-year-old real estate agent in Austin, Tex., said: “I’ve delayed having a baby because my insurance policy does not cover maternity care. If I have a baby, I’ll have to pay at least $8,000 out of pocket.’
Marcia D. Greenberger, co-president of the National Women’s Law Center, also points out that, the differential in pricing based on gender, McCain’s tax credit for purchasing health insurance — $2,500 for you single ladies out there — will actually erode in value faster for women than men.
In the meantime, insurance professionals have one good reason not to make insurance pools gender-neutral:
Cecil D. Bykerk, president of the Society of Actuaries, a professional organization, said that if male and female premiums were equalized, women would pay less but “rates for men would go up.” Mr. Bykerk, a former executive vice president of Mutual of Omaha, said, “If maternity care is included as a benefit, it drives up rates for everybody, making the whole policy less affordable.”
Oh, well, gosh, Cecil, we wouldn’t want to deny men the benefit of really low-priced health care just so our health insurance, that covers of the furtherance of the species, is remotely affordable or obtainable! Have to keep that Viagra cheap for you! Luckily, the head insurance regulator in Maine — probably through her use of preventative care — has a few more brain cells functioning than old Cecil:
Mila Kofman, the insurance superintendent in Maine [where they prohibit gender discrimination in the individual insurance market], said: “There’s a strong public policy reason to prohibit gender-based rates. Only women can bear children. There’s an expense to that. But having babies benefits communities and society as a whole. Women should not have to bear the entire expense.”
The McCain/Palin health care plan for women: No birth control, no abortion, and certainly no help for the kids you bring into the world because you shouldn’t have been having sex in the first place and anyway children are a gift.