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Tag Archives: affordable care act

Pre-Existing Condition Exclusions Harm Women

How Pre-existing Condition Exclusions Harm Women under the Republican-backed health reform bill.

Pregnancy is one of many pre-existing conditions for which Republicans want to deny care.

Republicans have long promised to “repeal and replace” the law that made coverage for pre-existing medical conditions mandatory. Prior to the Affordable Care Act, people with medical issues dubbed pre-existing conditions were denied health care, even if they had paid for insurance for years. An $8 billion last-minute fix attempts to fund some care for people with pre-existing conditions. But health care experts say it’s not enough. And it doesn’t mandate (or fund) coverage for pre-existing conditions like the Affordable Care Act did.

 

So what exactly is a pre-existing condition? It’s any medical condition, no matter how trivial, that existed prior to a person’s plan. When coverage for these conditions isn’t mandated, insurers can deny coverage on the basis of a pre-existing condition. This means sick people often can’t get health insurance. But it also means that people who think they have no relevant pre-existing conditions might still be denied care. For example, a woman with ovarian cancer might be denied coverage because she had an ovarian cyst 10, 20, or 70 years before.

Pre-existing condition exclusions harm women especially. That’s not an accident. The Republican administration and Republican Congress have targeted women for months.

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How the Republican Replacement for the Affordable Care Act Will Affect Women’s Health

The replacement for the Affordable Care Act endangers women's health.

The Republican replacement for the Affordable Care Act could reduce women’s access to healthcare, including birth control and preventative services.

Repealing and replacing the Affordable Care Act has been a rallying cry of the GOP for eight years. Now that they’re finally getting their chance, Republican leaders are struggling to find a politically acceptable replacement for the Affordable Care Act. Obamacare greatly expanded women’s access to healthcare, so Republican attempts at repeal pose a direct threat to millions of women. Here’s what could change.

Republican Replacement for the Affordable Care Act: Changes Now, Changes Later, and an Uncertain Future

The Republican replacement for the Affordable Care Act is a fiscal reconciliation bill. It’s also, they say, just the first in a series of legislation. So we don’t yet know how extensive the changes will be, or when they will come. So far, Republican changes include only defunding Planned Parenthood, draconian abortion regulations, and a massive scale back of Medicaid.

Planned Parenthood Funding

Republicans have been at war with Planned Parenthood, a major provider of women’s healthcare, for years. Unsurprisingly, their new plan completely defunds the organization. This could leave millions of women without access to birth control, reproductive health counseling, and other vital services.

Abortion Coverage

The Hyde amendment already prohibits any public funding of abortion. The new Republican replacement for the Affordable Care Act would go further. Tax credits for healthcare coverage are a signature feature of the new legislation. But Republicans want to prohibit tax credits for any plan that covers abortion—even if the plan recipient never has an abortion. This could reduce the number of plans eligible for tax cuts, while encouraging insurers to refuse to cover abortion care.

Medicaid Access

The Republican replacement for the Affordable Care Act would scale back Medicaid coverage. Funding for Medicaid would be given to the states. However, funding would be capped, and coverage would be limited, reducing the total number of people eligible for care. This could have disastrous effects on preventative care, including for women’s health.

Birth Control Coverage

For now, birth control coverage is safe. As one of the most popular features of the ACA, coverage for birth control has saved countless women thousands of dollars. To anti-choice Republicans, birth control access should be a no-brainer. Research shows that birth control access can prevent abortions. Yet Republican opposition to abortion seemingly has little to do with protecting life. Republicans have steadfastly opposed the ACA’s birth control mandate. It’s likely that as soon as they get the chance, they’ll remove birth control coverage, throwing millions of women’s reproductive futures into uncertainty.

Maternity Coverage

Republicans apparently aren’t sufficiently pro-life to want to fund the costs of carrying a baby to term. For years, Republican men have insisted they shouldn’t have to cover pregnancy and childbirth, even as they insist that women cover male-specific treatments such as prostate cancer screening and Viagra.

The Affordable Care Act requires all insurance plans to cover maternity care. Prior to the law, most employer-backed policies offered maternity coverage, but other plans rarely did. Moreover, even employer-supported plans often featured significant coverage gaps. While Republicans have not yet moved to eliminate the maternity care mandate, their long-time opposition to this piece of the legislation suggests they may soon attack it.

With average birth costs ranging from $10,000-$40,000 without insurance, this could put many women into bankruptcy solely because they chose to have a baby.