Women Pay More for Health Plans
It's important to make sure your health insurance plan provides the coverage you need. This is especially true for women since women need more routine medical exams than men.
According to The Houston Chronicle, a new study shows that high-deductible health insurance plans are more costly for women. Men pay an average of $500 per year while women pay more than $1,200 yearly in medical expenses under a high deductible plan.
Women pay more because of needed routine medical exams such as mammograms, Pap tests, birth control and other pregnancy-related services that men don't need. The report, issued by Harvard Medical School researchers, points out that employers that switch to high deductible plans are essentially giving women a $1,000 pay cut.
Some experts disagree with the findings of the study, citing that the researchers make too many assumptions about how a health plan is designed. But the study certainly raises some interesting questions about the different health care needs of men and women.
That's why it's especially important for women to find out what benefits are included in their health insurance policy, whether they're covered in an individual plan, a family health plan or through an employer.
Women who get yearly exams will want to make sure ObGyn visits are covered. Also, if a women is considering having children, it's a good idea to make sure pregnancy costs are included in the plan. Most people don't like surprises when it comes to out-of-pocket medical expenses, so make sure you're prepared by learning about the benefits of your health plan.
According to The Houston Chronicle, a new study shows that high-deductible health insurance plans are more costly for women. Men pay an average of $500 per year while women pay more than $1,200 yearly in medical expenses under a high deductible plan.
Women pay more because of needed routine medical exams such as mammograms, Pap tests, birth control and other pregnancy-related services that men don't need. The report, issued by Harvard Medical School researchers, points out that employers that switch to high deductible plans are essentially giving women a $1,000 pay cut.
Some experts disagree with the findings of the study, citing that the researchers make too many assumptions about how a health plan is designed. But the study certainly raises some interesting questions about the different health care needs of men and women.
That's why it's especially important for women to find out what benefits are included in their health insurance policy, whether they're covered in an individual plan, a family health plan or through an employer.
Women who get yearly exams will want to make sure ObGyn visits are covered. Also, if a women is considering having children, it's a good idea to make sure pregnancy costs are included in the plan. Most people don't like surprises when it comes to out-of-pocket medical expenses, so make sure you're prepared by learning about the benefits of your health plan.
