You’ve Got Coverage

All new plans from September 23, 2010 and onward must cover a list of preventive services AND…without charging a copay, coinsurance, or deductible.  But how many people have a new plan since then?  Chances are you have a “grandfathered” in plan that may not provide these benefits without a cost to you.  To see the full list of services you could be getting under a new plan, Healthcare.gov has set up a page here.

Supposedly, adding preventive services to coverage would only increase premium prices by around 1.5%, or around $4 per person, if you can make sense of the mind bogglingly complex analysis that actuaries and consultants prepared for the government.  Of course we’re too smart not to notice the recent examples of extreme volatility that has occurred as a result of this and other measures to include more coverage.

A few of the covered services are a bit controversial, such as whether or not insurance should cover contraceptives for women, as The New York Times reported.  Since half of pregnancies in the US are unplanned, some argue that it should be part of preventive services to remove the cost barrier to birth control.  Others argue that pregnancy is not a disease, it is a choice and should not be covered.  These costs may be contributing to the rise in your premiums.

What do you think?  Do you think all insurance plans, existing or new, should include these preventive services?  Or are you concerned about the rising cost of premiums?  And do you think that contraceptives or family planning should be covered?

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