Alternative Health Network - Our Update


Back in the 90s, most health insurance plans for California didn't provide coverage for birth control. With new laws, almost all California health insurance plans now cover prescription contraceptives with varying co-pays. This will certainly make a fundamental change for women when it is a question of being proactive with their reproductive health.

It is thus important for parents to carefully examine their health insurance policy and contact the company regarding the conditions of continuing health insurance coverage for their college student. Most students are still covered under their parents health insurance policies if the parents elect to continue coverage. However, students need to consider this with their parents to ensure this is certainly the case.

The new proposed coverage applies to all forms of birth control methods that have been adopted by the FDA (Food and Drug Administration), such as pills, IUD 's, morning-after pills, and long-acting hormonal contraceptive implants. In addition, coverage will likewise be available for other services, such as domestic violence counseling.

Definitely things to be considered.

To support working mothers with babies, free breast pumps will be available. Breast milk isn't only easier for babies, especially those born prematurely, to digest than formula, but breast milk has special ingredients to protect babies from disease. It's so unique that formula cannot copy the chemical makeup of human breast milk. Ear infections and diarrhea are more frequent among babies who only get formula.

The illness prevention package for women and babies will be offered January 1, 2013, according to officials. Initially, an estimated 10 million women are anticipated to take advantage of the increased protection. In most cases, it's expected that the coverage this will lead to an increase in CA health insurance premiums.

The prevention of unwanted pregnancies and illness among babies is well worth the cost. Last summer, government research showed that unplanned pregnancies constitute half of all pregnancies due, in part, to women missing birth control pills. The additional domestic violence counseling also stands to protect both woman and children.

The birth control mandate has faced objections from conservative and religious groups. Here there is opposition to coverage for the morning-after pill that has been available in other countries for years. Certain groups consider it to become a substance that induces abortion (an abortifacient) and not a contraceptive method.

To address this, Kathleen Sebelius, as the Secretary of Health and Human Services, included a provision permitting religious institutions to avoid offering California health insurance plans with birth control coverage on moral grounds. However, the obvious result of making birth control harder to get is more abortions or more children being born to suffer in dangerous situations. Birth control is an option to abortion and child abuse.

Cynthia Pearson of the National Women's Health Network also said that it's the time to acknowledge birth control as a portion of health care to improve women's health. Proper birth spacing, commonly 1 to 2 years, has been found to encourage a healthier pregnancy for the following child. Unplanned spacing predisposes babies to problems, such as premature birth, autism, and low birth weight. Research also shows that even co-pays discourage some women from using birth control methods.

Public health experts envision that the new coverage will promote the use of more expensive and long-acting contraceptives, like hormonal implants. The use of hormonal implants is more reliable compared to contraceptive pills. That's the reason why implants are gaining popularity in other countries.

To provide increased protection for babies and mothers with more preventive care, the cost will be made available to the other health insurance consumers. Thus, a small increase in the premiums is expected with this mandate. However, the administration did give insurers flexibility in the area of what they can decide to cover. CA health insurance plans can charge co-pays for brand-name drugs as compared to generic drugs, for example.

One way to offset higher premiums may be to move to a plan with a higher deductible. Preventive care will always be covered, as long as in-network providers are used, no matter what the plan's deductible is, but the premiums can vary by hundreds of dollars. Typically, the plans with the higher deductibles cost less. Since these plans do not cover anything beyond preventive care until the deductible is met, it's wise to gradually reduce the deductible.

Set aside what is saved each month with the lower premium and when enough has been saved to fill a higher deductible, change plans for greater monthly savings on the premiums. It's like climbing a ladder: be sure your feet are firmly placed before you move upward. You can end up drastically cutting your cost for California health insurance by climbing to lower-priced plans gradually and building savings to cover increasing deductibles.

12/10/2014 01:55:33
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