Women’s health insurance is a subject that is of major concern for a vast majority of working ladies. In fact, health insurance in general, is a hot topic for many of today’s consumers. With so many companies downsizing or completely eliminating their employee benefit packages the thought of not having adequate health insurance is scary.
This is especially true for women because the facts clearly show that nearly 1 out of every 5 women are underinsured or have no women’s health insurance offered by their employer.
Like most other health insurance plans there are a variety of women’s health insurance providers, but they are a scattered patchwork of insurance offerings that leave many ladies confused and wondering how adequate their health insurance coverage is and can they find a better health plan elsewhere with another insurance company or provider. Take Medicaid for instance, this insurance coverage was designed for low-income women and pregnant women as well as a few other categories. In reality Medicaid only provides women’s health insurance coverage for between 8%-10% of all women.
Women’s Health Insurance – An Adequate Health Plan Is A Priority For All
Company sponsored health insurance plans provide benefits and coverage for about 66% of the women that are employed by a company that offers any form of health insurance coverage. Individual health insurance plans cover about 55 percent of the working women population. Sadly, this leaves a rather large and alarming number (about 20%) of ladies that have no type of women’s health insurance based on inability to afford a private health insurance plan, not qualifying for Medicaid or working for an employer that doesn’t offer health insurance as an employee benefit program.
It’s no big secret that women have different health concerns and risks then men so it’s vitally important that when choosing a provider of women’s health insurance the proper research is done in order to insure that these additional health needs are addressed properly and completely. Most women tend to live longer making the requirement for a health care plan even more important then your average health care insurance coverage.
Women’s health insurance continues to be studied and analyzed carefully by many companies in order to fully understand the unique requirements women face with their health related issues and concerns. With so many women still underinsured or receiving no health coverage at all, this promises to open up new avenues of opportunity for every woman to be offered adequate health insurance coverage.
Health Insurance Covering Women’s Interest
It’s not sexist – it’s a fact. Women have different interests when it comes to their health. Women have very different reproductive organs and are at risk for health problems regarding those reproductive organs, both inside and outside their bodies. Women are at risk for different kinds of cancers, complications before, during, and after giving birth, and many women have health problems regarding their menstrual cycles and afterwards, when they are experiencing menopause.
Plus, according to the Centers for Disease Control and Prevention, not only is heart disease the leading cause of death among residents of America, but it’s also a major cause for disability. Women are no exception. In fact, for women over the age of 65, heart disease is the leading cause of death.
So, what does all of this mean?
Given women’s interest regarding health concerns specific to women, it’s all the more important for women to have adequate health insurance.
For women, health insurance covers more than just annual checkups and emergency room visits. Women need medical attention particular to their gender, such as regular exams of their reproductive organs, pregnancy, and certain types of cancers such as breast, cervical, and uterine. Some women need special medical treatment during their reproductive years, i.e., the years in which they have menstrual cycles, as well as during their menopausal and post menopausal years.
While there are clinics around the nation that provide health care focused on these women’s interests for free or at a low cost, these clinics can only offer so much prevention and treatment. Having adequate health insurance helps make sure that women and their special health needs will be taken care of.
If you’re a woman, make sure you have proper health insurance. Talk with your mother, your sister, and your daughter about proper health insurance. Although being a woman doesn’t necessarily mean you’ll suffer serious health conditions, having health insurance does mean you’ll be covered.
Latest Update: Tuesday, January 21, 2020