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Healthcare Exchange and What it Means for Women |
By Katie Banks+ | Friday May 30, 2014 Have you heard the expression “Being a woman is not a Preexisting Condition”? If you haven’t, or haven’t completely understood what this meant I’ll break it down for, as well as show how the Healthcare Exchange has addressed these issues when addressing the new metal plans: Bronze Plan, Silver Plan, Gold Plan, and Platinum Plan.
Women Healthcare Facts
Once ObamaCare fully kicks in on January 2014 there are some major changes that affect women. Women are usually charged more for men because their bodies are genetically different from men. With the population being 50/50 the Healthcare Exchange deemed this wasn’t fair. Here are a few facts about women and healthcare to highlight some important issues that women deal with:
• Women use healthcare services more often than men
• Women usually take the lead role when making decisions for their families health services
• Women are more likely to use prescription medication, suffer from chronic disease, and anxiety and depression than men.
• Women have dependent coverage more often than men, therefore put them in vulnerable positions regarding divorce or losing a job.
• Women tend to have higher out-of-pocket medical expenses than men.
Healthcare Exchange Changes Important for Women
With the new Exchange below are some of the important gains women will receive in the health industry:
No cost preventive care: mammograms, well-child, pap-smear
Maternity is included in every metal plan
Birth Control prescriptions are now covered by all metal plans
Out-of-pocket maximums are the same for women as for men
Children may stay on their parents’ plan until their 26th birthday
All children, as are all persons, are covered regardless of preexisting conditions with ObamaCare
All Americans are guaranteed renewal under the new Exchange as long as they pay their monthly premium
Plans now offer federal premium subsidies to help with your monthly premium cost: For example, If you have dependent children and make up to $78,120 you and your family may be eligible for subsidies.
Healthcare Exchange offers cost-sharing subsidies to help with out-of-pocket costs. For example, if you have two dependent children and make up to $45,000 you may be eligible with the Silver Plan
For more info:
If you have specific questions about your state and how the Healthcare Exchange works for you call 800-930-7956 or contact FinancialRx.
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Medicare and Your Parents: Rx Plans |
So your parent is turning 65 and you don’t know what you need to do? Well, plan a party, hug your father a lot, and help him find out about senior health insurance. This article is focused on helping your parents with Prescription Drug Coverage
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Medicare and Your Parents: Medigap |
Now that our parents are becoming seniors we want to make sure that they are financially secure. This is the list of key points about Medigap and how to help guide our parents.
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Medicare and Your Parents: Part A & B |
With our parents becoming seniors it’s important that we know about Medicare and its benefits. There is a lot of information that can seem confusing at first, but we’ve found out what your parents need to know. 1) Get both Medicare…
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What is an HSA? |
HSAs have a bit of an image problem, but they can actually be an excellent way to get great health insurance, save money for the future, and take control of your own health care spending. Here’s what they are and how they work.
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How to Find Health Insurance |
Finding insurance doesn’t have to be a dreaded chore. Check out our FinancialRx guide for some helpful tips to make the task faster and easier.
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Dental Insurance Terms to Know |
Shopping for dental insurance? Here’s a straightforward set of definitions for some key terms you’ll need to know.
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Tips for Finding Individual, Family or Self Employed Health Insurance |
Are you laid off, self employed or otherwise on your own when it comes to finding health insurance? We can help. Here are 5 straightforward tips to point you in the right direction.
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How Does COBRA Health Insurance Work? |
You’ve left your job and you’re trying to decide whether or not to elect COBRA health insurance. Here’s a common sense guide written in plain English, with a fun little video to boot!
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