Gender rating

christiefan915 said:
I don't know why the doctor would send me for more tests than him, unless I presented with a problem. It's not a given. I only know of two tests that doctors want women to have on a regular basis, the pap smear and the mammogram. And even those two are age-dependent.

Statistics show that women remain healthier and live longer than men. Isn't the whole point that you want healthy people in the insurance pool, to make up for those that use more than the average number of services? Yet if women have the physicals and tests suggested, they're being charged extra in the premiums. This doesn't translate to positive reinforcement.

None of this is as cut-and-dried as conservatives make it out. There are too many variables
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There are many factors that cause a woman's rates to be higher, many are indeed age based. Which is why you see the gap narrow substantially in their mid-late 50's. If you look at life insurance, those rates are also not the same despite equal coverage. Why? Because as you stated, women tend to live longer and are healthier on average in the later years.

It is not conservatives that are trying to make it cut-and-dried, it is liberals (yourself included) who are trying to simply contracts into a cookie cutter 'everyone pays the same' type model.
 
Superfreak said:
If we are not covered for the same things, then it is NOT the same insurance. Hence the different costs of the different insurance coverages.
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But it is the same insurance. We're talking about insurance costs for identical policies. What those policies cover are different for different demographic groups but the policies themselves are identical.


Superfreak said:
So again, why not just continue on down that slippery slope and proclaim that everyone should have the same food bill, the same energy bill, the same everything? Why stop at health insurance. Lets all just work for free and let the government tell us what we should each have.
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I don't know that there are basic biological differences that account for differences in the costs of food for men and women. Same with energy costs. So I'm not seeing the slippery slope.


Superfreak said:
It is the same CONCEPT moron.
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So health care services are the same CONCEPT as salon/spa services? Interesting argument. Next time the Mrs. goes for her annual check up I'll tell her to quit bitching, it's the same CONCEPT as a day of pampering at the spa. And don't let her start on again about childbirth. Hey, can you PM me your number so you can explain this to her. I think it's better if it comes from you.


Superfreak said:
Hilarious.
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Thank you. I was fond of it myself.
 
apple0154 said:
but refuse to chip in for something that will prevent pregnancy, a major concern of women?
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problem solved then....instead of demanding health insurance the woman should just tell the man, "if you want sex I need $5.95 for the contraceptives we're going to use"........
 
christiefan915 said:
Our insurance company suggests that every insured has a yearly physical. I have one annually, my husband doesn't. In fact, he never goes to the doctor for anything, even if he's sick. I'm doing what the company suggests, i.e. preventive care. Husband may not see a doctor until he has an event, and that event may cost a lot more than my annual exams do. Who's doing the right thing here?
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since the insurance company is charging him premiums based on the fact they expect to pay for the annual exam your husband is short changing himself.....he's paying in advance for something he isn't receiving....
 
the woman should just tell the man, "if you want sex I need $5.95 for the contraceptives we're going to use"........

This is very revealing of the conservative male mind. Very revealing. You see how first of all, it's always the man who wants it and the women who gives it, so it's incumbent upon her to negotiate the terms of her surrender. In fact, when the bed magic is upon the man, that is the only time the woman has the power to negotiate. And of course, sex is always transactional.
 
Darla said:
the woman should just tell the man, "if you want sex I need $5.95 for the contraceptives we're going to use"........

This is very revealing of the conservative male mind. Very revealing. You see how first of all, it's always the man who wants it and the women who gives it, so it's incumbent upon her to negotiate the terms of her surrender. In fact, when the bed magic is upon the man, that is the only time the woman has the power to negotiate. And of course, sex is always transactional.
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seriously....in your entire life have you ever had to ask a man to have sex with you?.......if the answer is yes, perhaps some of the things the AOL folks have said about you are true......
 
Darla said:
the woman should just tell the man, "if you want sex I need $5.95 for the contraceptives we're going to use"........

This is very revealing of the conservative male mind. Very revealing. You see how first of all, it's always the man who wants it and the women who gives it, so it's incumbent upon her to negotiate the terms of her surrender. In fact, when the bed magic is upon the man, that is the only time the woman has the power to negotiate. And of course, sex is always transactional.
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How do these men get women, they must constantly be on the hunt for stupid collaborators.
 
christiefan915 said:
For all the men complaining about "paying for women's birth control."

Health-care law to end gender rating

A woman who buys her own health insurance in Ohio can count on paying more than a man for the same coverage, because of a discriminatory practice called gender rating. For many women, this can put affordable, comprehensive coverage out of reach.

President Obama's health-care law will ban such practices once it is fully implemented, but until then they remain a widespread problem.

In Ohio, 100 percent of the best-selling individual health insurance plans practice gender rating, and 100 percent exclude maternity coverage.

One plan charges a 40-year-old woman $371 more in annual premiums than a 40-year-old man for the same coverage. Another charges $669 more.
Nationwide, the effect of these discrepancies can be staggering. A new analysis by the National Women's Law Center finds that gender rating costs women approximately $1 billion a year.

Insurance companies are aware of the problem, but have not voluntarily taken steps to eliminate it. That's why provisions of the health-care law that will roll out in 2014 prohibit gender rating in the individual insurance market, require all plans on the individual market to provide maternity coverage, and prohibit sex discrimination in health plans from insurance companies that receive federal funds.

The practice of gender rating is not going away by itself. This national problem demands a national solution. We have one in the health-care law.

Marcia Greenberger
Co-President National Women's Law Center Washington, D.C.

http://www.toledoblade.com/Letters-.../31/Health-care-law-to-end-gender-rating.html
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since when did insurance companies become charities?

I would really like to know this.

They are a BUSINESS.

If they've determined female customers, on average, are going to be needing more medical care, why shouldn't they be charged a higher premium?

If I live in an area with few earthquakes, my earthquake insurance is going to be very cheap. If I live in san francisco, earthquake insurance is going to be much higher.

If I am a guy and don't have to buy birth control, or spend time in a maternity ward, or have a lower chance of cancer, I am going to pay less.

DUH!

And if a woman is going to be having more medical bills, then she obviously she should pay more.

Insurance companies are not charities
Insurance companies are not charities
Insurance compnaies are not charities.

They are a business.
They're goal is to make a profit.

Handing out money to those that are going to cost them more money, is not a smart business plan.

I seriously understood this stuff in the second grade.
 
dixon76710 said:
And does your wife go to those Drs, 3-4 times MORE often than you do? THATS why womens healthcare insurance cost more, because they use more health care. EVEN when maternity care is excluded from the equation, they still use more healthcare.
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lol what's your fucking point? yes, they use more healthcare. ergo, they should pay more.
 
Rana said:
How do these men get women, they must constantly be on the hunt for stupid collaborators.
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I personally stick to the strong independent woman. The type that know how to take care of themselves without screaming for Uncle Sam to make everyone else pay for what they want.
 
Cynic said:
since when did insurance companies become charities?

I would really like to know this.

They are a BUSINESS.

If they've determined female customers, on average, are going to be needing more medical care, why shouldn't they be charged a higher premium?

If I live in an area with few earthquakes, my earthquake insurance is going to be very cheap. If I live in san francisco, earthquake insurance is going to be much higher.

If I am a guy and don't have to buy birth control, or spend time in a maternity ward, or have a lower chance of cancer, I am going to pay less.

DUH!

And if a woman is going to be having more medical bills, then she obviously she should pay more.

Insurance companies are not charities
Insurance companies are not charities
Insurance compnaies are not charities.

They are a business.
They're goal is to make a profit.

Handing out money to those that are going to cost them more money, is not a smart business plan.

I seriously understood this stuff in the second grade.
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The issue is whether the government can do something about it, not whether there are legitimate reasons why health insurers do it (there are!). Basically, should the government equalize the amount women and men pay for the same insurance, which forces men to pay more than they otherwise would and women less.
 
General Buck Turgidson said:
The issue is whether the government can do something about it, not whether there are legitimate reasons why health insurers do it (there are!). Basically, should the government equalize the amount women and men pay for the same insurance, which forces men to pay more than they otherwise would and women less.
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well you know my answer to that.

But the thread was started addressing the specific issue of "gender rating." Which I really don't see a problem with. If you use more, you should pay more. Seems very logical to me.
 
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