This Sunday evening, September 18, Feminist Peace Network Director Lucinda Marshall will be interviewed on  A World Of Progress Radio  in a segment devoted to health care issues.  Marshall will talk about her experience trying to transfer an individual health insurance policy from one state to another and how the problems faced by individual policy holders with pre-existing conditions are not currently being addressed adequately by health care reform.  This issue hits women particularly hard since they are less likely to be covered by an employer’s policy.

Other guests on the show include health insurance industry whistleblower Wendell Potter, Vanessa Beck of Healthcare Now and Mad As Hell Doctors.

The show will air at 7pm EDT.  Marshall will be interviewed beginning at 7:45.

To read more about Marshall’s experiences please see the blog she has set up regarding this issue, Pre-Existing Pundit.

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In recent months we’ve learned that health insurance companies frequently charge women more than men for health insurance.  But they aren’t the only ones.  State High Risk plans that are designed to cover people who have ‘pre-existing conditions’ or for other reasons cannot obtain insurance in some case also discriminate.

First the good news, some states don’t discriminate.  Among them–Montana, Alaska and Minnesota.  Among those that do, the rates are all over the place.  For comparison’s sake, I arbitrarily looked at rates for 33 year olds with $1000 deductibles.  In Kentucky, a woman would pay $501, a man $249.  In Connecticut a woman pays $664, a man $393.  And most insidious (albeit the cheapest of the ones I compared) in Arkansas, a non-smoking woman pays $267 and a man who smokes pays only $247.

This isn’t meant to be a comprehensive list and I have no idea how or if this is handled in the small print of the voluminous healthcare bill that may or may not be passed this weekend.  But I am just speechless that the problem of gender discrimination has not been limited to private companies but has also been perpetrated by state-run programs.  The women of America are  due a major rebate.  Call it the Gender Discrimination Insurance Reparations Act of 2009.

Data quoted above came from state plans found via the Council for Affordable Health Insurance.

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Last week, it was pointed out that in some states,  our so-called health insurance companies are allowed to consider domestic violence a pre-existing condition.  As Think Progress points out, having had a cesarian section can also be considered a pre-existing condition.  Never mind that the U.S. has a sky rocketing c-section rate and that said c-sections are often performed for reasons other than because of medical necessity, such as soaring malpractice insurance rates.

If that doesn’t make you fume, check out Anthem’s explanation as to why c-sections are a pre-existing condition:

“The point of insurance is to insure against catastrophic care costs. That’s what you’re trying to aggregate and pool for such things as heart attacks and cancer,” said an Anthem Blue Cross spokesman. “Having a child is a matter of choice. Dealing with an adult onset illness, such as diabetes, heart disease breast or prostate cancer, is not a matter of choice.”

OH NO! ! It looks like we’re being accused of making reproductive choices again!

On the one hand you’ve got the faux family values folks telling us that we are baby killers if we exercise the right to end a pregnancy and we also have the insurance companies  sticking us with the risk of going bankrupt if we have a c-section.  Some choice.

And women are bearing all of the financial risk why?  And what about pregnancies where the mother would have preferred to get an abortion and couldn’t?  And what about pregnancies that are because the  parents didn’t understand about contraception because they attended a school with abstinence only sex ed?  Does this spokesperson comprehend that the “choice” to have children is how the human species propagates?

This isn’t about choice.  It is first of all about insurance companies being out to insure one thing only–their profits, at the expense of the health of the citizens of this nation and secondly that there are not adequate laws protecting women from misogynist profiteering that violate their human rights.  Full stop.  Enough.  We need single payer universal healthcare now and we need to pass the Equal Rights Amendment and CEDAW to insure that these horrifying practices end immediately.

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