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Affordable Care Act (ACA)

Same Sex Marriage To Do List: Check Health Insurance Options

When you’re planning a wedding, the to do lists just keep growing. You need a location. You need a caterer. A florist. An officiant. A health insurance assistor. A photographer. You need to pick out invitations, trim down the invitation list, pick the best health coverage option, choose a menu.

Wait, what was that about health insurance and health coverage? Read more »

The Real Lives at Risk in the Supreme Court's Health Care Decision

After all the politics have been debated and the newspapers recycled, the bottom line is that the Supreme Court’s decision in King v. Burwell means that millions of women will be able to keep their affordable health coverage.

And that saves lives.

LaDonna Appelbaum is one of those lives. Read more »

I Know All About The ACA’s Breastfeeding Benefit, and I Couldn’t Get Services Covered

Last week, the National Women’s Law Center issued the third report in a series examining insurance plan compliance with the Affordable Care Act, State of Breastfeeding Coverage: Health Plan Violations of the Affordable Care Act. Previous reports on women’s health coverage and birth control coverage found extensive violations of the law. The third report examines insurance plan noncompliance with the ACA’s breastfeeding benefits and comes to similar conclusions.

The ACA Is a Huge Step Forward

The ACA made dramatic improvements in women’s health coverage. The ACA ensures that health insurance companies can no longer discriminate against women, and requires plans to offer women coverage for maternity care and prescription drugs. And they must cover preventive services, such as breastfeeding supports and supplies and birth control, without any copayments, deductibles or coinsurance.

Health Insurance Plans Must Comply With the Law Read more »

Covered Through a Parent's Plan? Your Prenatal Services are Covered

The Obama Administration gave expectant moms a belated mother’s day gift. Guidance issued yesterday clarifies that new insurance plans must cover preventive prenatal services without cost sharing for all dependents — including expectant mothers enrolled on a parent’s plan. This is great news for expectant mothers who discover once they are pregnant that they don’t have maternity coverage under their parent’s plan.

What New Plans Must Cover Read more »

Health Insurance Companies Leave Women Without Critical Coverage

Yesterday, the National Women’s Law Center issued an extensive report on insurance issuers’ compliance with Affordable Care Act requirements for women’s health coverage. We found violations in health plans offered in all 15 states in our study — which tells us that women covered by other issuers, and in other states, are probably also being denied coverage for the critical women’s health services guaranteed by the law.

The ACA made dramatic improvements in women’s health coverage by ensuring that health insurance companies can no longer discriminate against women, and requiring plans to offer women coverage for critical health services like maternity care, birth control and prescription drugs. But these guarantees ring hollow when insurance issuers are able to offer coverage that violates these requirements. Read more »

Birth Control Without Costs: It's The Law

Here at NWLC, we are big fans of the Affordable Care Act’s birth control benefit because it removes cost barriers to birth control and has the potential to change women’s lives. Which is why the findings in our report, “State of Birth Control Coverage: Health Plan Violations of the Affordable Care Act,” are so troubling. While most women are getting coverage of birth control without out-of-pocket costs like the law requires, some insurance companies are not complying with the law. Some insurance companies charge women for their birth control, do not cover it at all, charge for services associated with the birth control, or place unallowable limits on the coverage. When we uncover these violations of the law, we know that women aren’t able to access their birth control method because of the cost barrier. Read more »

The Affordable Care Act — Latest Data is a Good News Story

Is it working? In the health care context, you might ask this about a prescription drug, a chemotherapy regimen, or a rehabilitation plan. But we don’t really need to ask that any longer about the Affordable Care Act. According to the latest Gallup-Healthways survey, the uninsured rate among American adults has fallen to 11.9 percent — a drop of more than 5 percentage points since the end of 2013, which was right before coverage began through the ACA’s health care Marketplaces.

While it is exciting enough to see the uninsured rate for American adults fall by nearly one-third, it is even more exciting to see that the groups most likely to lack insurance — low-income Americans, Latinos, young adults and African Americans — have seen the most change under the law. The good folks at Gallup-Healthways haven’t broken down their data by gender, but we do know that 54 percent of Marketplace enrollees are women — which tells us that many of the individuals with new coverage are likely to be women. Read more »

Happy Fifth Birthday, ACA!

Can you believe it? The ACA is already five years old. It seems like just yesterday we were celebrating the law’s passage. Today, we can celebrate the law’s continued success.

It’s clear the law is working. Because of the ACA, women are protected from discriminatory health insurance practices, health coverage is more affordable and easier to obtain, and women have better access to many of the health services they need. Read more »

House and Senate Budgets Threaten Women’s Health

Earlier this week, the House released a proposed budget for Fiscal Year 2016 (FY2016) which would leave millions of women and their families without the financial security of high quality health insurance, unable to access the health care services they need, and facing dramatic increases in their healthcare costs. To learn more about the details of House budget proposal, our analysis is available here

Late yesterday, the Senate released their counterpart [PDF] to the House budget. The strategy is the same: repeal the Affordable Care Act and cut Medicare and Medicaid. The results would be the same, too: millions of women left without access to affordable health coverage and the care they need.

Specifically, the Senate budget proposes: Read more »

Can The Supreme Court Take Away Maternity Coverage?

Imagine an insurance market where only 12% of health insurance plans include maternity coverage. Imagine further that if a woman wanted to add maternity coverage, she would have to pay thousands of additional dollars each year and, even then, the insurance would not cover her pregnancy until she passed a one or two year waiting period. If a woman was pregnant when she applied for coverage or had a previous caesarian delivery, she could be denied health insurance.

It shouldn’t be too difficult to imagine, since this was the individual health insurance market in the United States just fifteen months ago.

When LaDonna Appelbaum became pregnant in 2010, she discovered that her health insurance did not cover maternity care — it did not cover any costs related to prenatal care, nor any related to her eventual miscarriage. When she searched for a new policy that would provide these benefits, she was told that she would have to endure a one-year waiting period for pregnancy coverage — and then her premiums would quadruple.

The individual health insurance market failed women like LaDonna before the passage of the Affordable Care Act. On Wednesday, March 4, the Supreme Court will hear a case that could bring those failures back. Read more »