Make your tax-deductible gift by December 31—every gift matched, up to $150,000!
In this moment, the future of our rights, our bodily autonomy, our freedom feels uncertain. What we do next will make a difference for decades to come.
Make your tax-deductible gift by December 31—every gift matched, up to $150,000!
In this moment, the future of our rights, our bodily autonomy, our freedom feels uncertain. What we do next will make a difference for decades to come.
Double your impact in the fight to defend and restore abortion rights and access, preserve access to affordable child care, secure equality in the workplace and in schools, and so much more. Make your matched year-end gift right now.
Have you ever been surprised to receive a medical bill for a service that you thought would be covered by your health insurance? You get a service, you pay your copay, and you expect that is all you owe. Then, you get a bill and find out that your insurance doesn’t pay for—or “excludes”—the service you received. These exclusions of women’s health services are the topic of a new report authored by the National Women’s Law Center and supported by the Commonwealth Fund—Women’s Health Coverage Since the ACA: Improvements for Most, But Insurer Exclusions Put Many at Risk.
Thanks to the Affordable Care Act, aka Obamacare, 89% of Americans now have health insurance. The uninsured rate is at a historic low. Subsidies have made premiums and cost sharing affordable for millions. Americans have unprecedented access to health care. The ACA created a whole new marketplace that now includes many who were previously excluded from coverage—including many women. But, health insurance does not guarantee access to every health care service that women need.
Some health care services are excluded from insurance.
After a claim is processed, insurance companies usually send you a notice called an Explanation of Benefits that tells you how much your plan paid and how much you owe. Often, an Explanation of Benefits will tell you that you owe your $20 copay or 20% coinsurance amount. But, sometimes the “Paid by Insurer” column is filled with zeros which means that the service isn’t paid for/covered by the plan.
Our new report reviewed insurance plans offered on the Health Insurance Marketplace websites. We found that most of these plans included exclusions that can prevent women from accessing important health services.
What services were excluded from coverage?
The report examines six exclusions found in plans offered by 10% or more of the health insurers reviewed—and you may be surprised at some of these excluded services! For example, we found the following services that may be excluded under these plans:
What can you do?
Before you receive health care services, it is always a good idea to confirm what services are covered with your health plan. This can help you to not only identify if services are excluded, but will also confirm if the health providers you may need are in your plan’s network and whether there are any costs you may be responsible for.
Before you enroll in health insurance, ask the insurer for a copy of the policy or plan document. You may need to contact an insurance broker if you are having difficulty accessing the document. Tell the insurer or broker that you want a full list of excluded services and covered benefits. Be aware that the “Summary of Benefits and Coverage” and the plan brochure will only provide partial information.
Finally—you must still get covered! Just because health insurance does not cover every single health care service does not mean that it isn’t important. Health insurance plans do cover many important health services and all new health insurance plans must cover women’s preventive services, such as birth control, without cost sharing. So get educated. Get informed. And get covered!