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Mamma Mia!

Posted by NWLC, Intern | Posted on: June 21, 2007 at 07:05 pm

The Hidden Costs of Consumer Driven Health Plans for Pregnant Women
by Malinda Ellwood

So the talk of the health reform town these days is all about “Consumer Driven Health Plans.” That’s lovely but what does consumer driven plan actually mean? Am I driving somewhere with my health care plan? What if I don’t have a car? Who’s paying for gas?  In short, a consumer driven health plan is a new type of health insurance, typically characterized by a lower premium (the amount you pay per month for health insurance), a higher deductible (the amount you have to pay out of your own pocket before your insurance coverage actually kicks in), and higher cost sharing (the percentage you pay of the amount left over even when your insurance does pay- think co-payment). Often these Consumer Driven Health Plans (CDHPs) are linked to Health Savings Accounts (HSAs).  In a plan which includes a Health Savings Account, you (and often your employer) can put money in a tax-free account to save towards whatever your share of your health care costs may be.

The idea behind these plans is that you will pay a lower premium (yay), but as a result, when you do get sick you may have to pay a higher share of the cost.   So, the thinking goes, because you are directly responsible for more of the cost, when you do get sick you will be more diligent about figuring out what services will be most cost effective. Further, the hope is that after you try to be diligent and realize there is no inexpensive way to get services, in your heightened frustration you will yell and scream at your health care providers enough so that prices come down.  Finally, overall the goal is that you will be more likely to see a doctor or get services only when you actually need them (as opposed to all those instances when we take time from our work days to go for fun).  Hmmm…

But fine, even assuming that the logic behind consumer driven health plans makes sense, what are they really costing you, as a woman of child-bearing age? A LOT.

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Title IX is Thirty-Five

Posted by | Posted on: June 20, 2007 at 07:36 pm

Just 35 years ago, girls and women were most often relegated to the sidelines when it came to athletic opportunities. They could cheer for the boys, but it was rare that they were on the field. That began to change in 1972 after Title IX of the Education Amendments was enacted. The federal law prohibits sex discrimination in all aspects of education, but it is best known for creating more opportunities for girls and women to participate in sports. Saturday, June 23, marks this historic legislation’s 35th anniversary.

Indeed, Title IX has helped women and girls make significant strides in athletics. Since 1972, the number of female college athletes has increased more than five fold, from 31,852 to close to 170,000 today. And the number of high school girls playing competitive sports is now approaching 3 million.  We have Title IX to thank for the increasing number of athletics triumphs that women have enjoyed—in school, on Olympic fields and in professional leagues.

But despite these tremendous gains, Title IX has quite a way to go before realizing its full potential.

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Gonzales v. Carhart: Just How Bad Is It?

Part 5: It’s Not Just What the Court Says, It’s How the Court Says It
by Gretchen Borchelt

As if all of the other parts of Gonzales v. Carhart I’ve described so far aren’t bad enough, there’s also the troubling language used by the Court.  It shows a Court contemptuous of a woman’s right to make decisions about abortion, and indicates that Roe v. Wade is not secure.

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The Supreme Court Got It Wrong - Can Congress Make It Right?

Posted by Dina Lassow, Senior Counsel | Posted on: June 13, 2007 at 07:20 pm

by Dina Lassow

As we’ve previously discussed, on May 29, 2007, the Supreme Court issued a decision that severely weakens remedies for employees who have faced pay discrimination.  The case, Ledbetter v. Goodyear Tire and Rubber Co., was decided 5-4, with Justice Alito writing the decision.  Justice Ginsburg took the unusual step of announcing her strong dissent in the courtroom.

Lilly Ledbetter, one of the very few women supervisors at the Goodyear plant in Gadsden, Alabama, had faced sexual harassment at the plant, and her boss had told her that he didn’t think a woman should be working in a tire plant.  She suspected that she was getting fewer and lower pay raises than the male supervisors.  But, Goodyear did not allow its employees to discuss their pay, and Ms. Ledbetter had no proof until she received an anonymous note with the salaries of three of the male managers.  Then she filed a complaint with the EEOC.  Her case went to trial, and the jury awarded her backpay, about $4,700 for mental anguish and over $3 million in punitive damages.  Because of limits on damages in Title VII, the court had to cut her damages to about $360,000.  But, the Supreme Court took even those damages away, holding that she had filed her case too long after the company unlawfully decided to pay her less—even though Ledbetter continued to receive discriminatorily low paychecks because of the earlier decisions.

The good news is that the Supreme Court’s decision was based on its interpretation of Title VII—meaning that Congress can tell the Court that it got it wrong.

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SOS: Save Our SCHIP!

Posted by NWLC, Intern | Posted on: June 12, 2007 at 04:51 pm

by Malinda Ellwood

You know, one of the common mantras of any politician is how important “families” are to the fabric of our community, but we need to remember that families include more than just children—families mean children and their parents. This is crucial to keep in mind, because healthy kids still need healthy parents in order to succeed. A child may be in terrific health, but if their parent becomes sick and does not have health insurance, that parent is unable to be a parent. An ill parent without access to care can’t take his or her child to the doctor for an appointment, can’t attend parent-teacher meetings, can’t do the grocery shopping, and will likely miss time from work, which can be devastating to a family struggling to make ends meet. The bottom line is that part of what children need to stay afloat is healthy parents. This is why we need to ensure that the State Children’s Health Insurance Program (SCHIP) reauthorization maintains health coverage for children and the parents who care for them.  Without SCHIP for parents, the whole family will sink.

Don’t get me wrong—children need health coverage, but studies have shown that when parents are covered, children make more use of their coverage, including more effective utilization of preventative care.

For ten years, SCHIP has been an important program providing health insurance for low-income working families, currently providing coverage for over 300,000 parents, most single mothers.  Women in particular are less likely to have access to employer based coverage, so SCHIP may be their only option. Since women often have greater health needs and larger health expenditures, being uninsured is not a realistic option. So what will happen to these families if they lose SCHIP?

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Gonzales v. Carhart: Just How Bad Is It?

Part 4: The Court Tells Vulnerable Women to Go to Court for the Safest Healthcare
by Gretchen Borchelt

Like last week’s installment, this week’s focuses on a technical legal point that will have a huge impact on real women’s lives.  The Supreme Court in Gonzales v. Carhart said that if an individual woman wants to access the safest healthcare for her, she will have to go to court in order to get it. 

The Court did this by changing its mind on whether women and their doctors can bring “facial challenges” to abortion restrictions.  Facial challenges are those that say an entire law is unconstitutional on its face, and prevent the law from going into effect before anyone is injured by it.  In Gonzales v. Carhart, the Court said that the lawsuits brought against the federal ban because of a lack of health exception should not have proceeded as facial challenges.  Instead, the Court said that challenges to the law should have been “as-applied” challenges.  As-applied challenges require individuals to go to court to stop the law from being applied to them because of their particular circumstances. 

In this case, that means that vulnerable women – women with health conditions ranging from placental cancer to blood disorders and women with fetuses who have grave fetal abnormalities – have to find a lawyer and go to court if they want access to the procedure that may be the safest for them.  This puts individual women in a terrible position.  As Justice Ginsburg said in her dissent, a “woman ‘suffer[ing] from medical complications’ needs access to the medical procedure at once and cannot wait for the judicial process to unfold.” 

This is a huge change from prior practice.

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