In the beginning of August 2012, President Barack Obama and his administration had implemented a policy where most health insurance plans will cover will cover women’s preventive services, including contraception, without charging a co-pay or deductible under the Affordable Care Act (“Fact Sheet”, 2012). Women were provided contraceptive services no matter where she worked, including birth control pills, IUD, Nexplanon, and more. If a woman works for a religious employer that objects on providing contraceptive services, the religious employer will not be required to provide but her insurance company will be required to directly offer her contraceptive care free of charge (“Fact Sheet”, 2012). Recently, under the Trump administration, …show more content…
The insurance companies instead would be required to offer women the contraception care at no charge. When the policy was in effect, it became more affordable for women. According to research, the number of women who paid for contraceptives out of pocket went from 21% to 3% when the Affordable Care Act contraceptive provision became effective (Ranji, Salganicoff, Sobel, & Rosenzweig, 2017). While birth control costs gone down from the ACA, contraceptive use has not increased significantly (Petulla, 2017). A study found that the use of contraceptives rose during the passage of Obamacare but has returned to the same levels before the law was initiated. From 2006-2010, 50% of women ages 20 to 25 were using a prescribed form of birth control. When the policy was applied, during 2011-2013, the percentage rose to 89%, but by 2013-2016 the percentage of women using birth control decreased to 55% (Riddell, Taylor, & Alford, 2017). According to Petulla (2017), most women who use birth control are for its health benefits, not just because of preventive care. There were religious organizations who were not happy with Obama’s mandate. According to Green (2015), the Little Sisters of the Poor filed a complaint against ACA’s contraceptive mandate in 2013. The Sisters, religious charities, and colleges joined together and claimed that the law placed a burden on their free
The contraceptive coverage in the new Health Care law makes preventative care more accessible and affordable to millions of Americans. This is particularly important for women who are more likely to avoid the cost of contraceptives because of cost. To help address these barriers in terms of cost and ensure that all women have access to preventative Health Care Act, all new private insurance plan that covers a wide range of preventative services such as breast x-rays, pap smears smoking prevention and contraception without co-payments or requirements for sharing other costs. The current problem is that the Affordable Care Act is imposing on the 500 store chains of Hobby Lobby’s religious rights by forcing the company to provide full coverage of contraceptives of the 13,000 workers as part of its health care plans. David Green and family, whom founded Hobby Lobby, believe that the healthcare act is violating their held religious convictions.
As of recently, women have been talking about getting long term birth control or stocking up on Plan B. This is because they are worried the Trump will take away the articles in the Affordable Care Act that say that insurance companies must cover birth control, reproductive health and abortion funding. There are currently provisions in the ACA that allow women access to gynecological visits and birth control without having to pay a copay (Rinkunas, 2016). These provisions when originally passed because a number of businesses filed for exemptions so that they would not have to provide access to free contraception to women; specifically those who may have decided to use Plan B (the morning after pill). Some religious based businesses owners believe that preventing a fertilized egg from attaching to the wall of the uterus is the same as an abortion, and to them life begins at conception (Newton-Small, 2016). Many Catholic members of Obama’s Administration, including Vice President Joe Biden wanted to allow religious entities or groups the right to opt out of the program (Newton-Small, 2016). The women of the cabinet decided that they would
The ACA was enacted to increase the affordability as well as the quality of health insurance for United States citizens nationwide. Specifically, some of its services include providing preventive services including contraception, abortion, STD screenings and related education and counseling.Since contraceptive regulations have been implemented in our society following the Affordable Care Act, over 100 nonprofit (mainly) religious organizations have challenged the contraceptive coverage requirement. These non profits claim that even the accommodation (for provision of contraceptives to employees) is morally wrong and burdens their religious
The Affordable Care Act requires health insurance providers—including both health insurance companies and companies that administer self-insured employer health plans on behalf of the employer (third party administrators)—to provide certain preventative services to women without cost. 42 U.S.C. § 300gg-13(a)(4) (2015). Congress delegated the task of deciding which kinds of preventative care would be provided to the Health Resources and Services Administration (HRSA). In making its determination, HRSA consulted the Institute of Medicine (IOM), which ultimately decided that insurers must provide “coverage without cost sharing” for “[a]ll Food and Drug Administration approved contraceptive methods, sterilization procedures, and patient education
Do you think birth control should be covered by health insurance? For a long duration of time, this has been a question that still remains up for discussion. Birth control is a widely known contraception, but many people are against it. Sixty two percent of the population of women uses contraception. 10.6 million women use this contraception, and as time goes on the number seems to increase. When used accurately, birth control prohibits pregnancy. Today, due to the Affordable Care Act, all private health plans are required to provide contraceptive coverage at no cost to patients. When congress passed the Affordable Care Act, it created major controversy. “Roman Catholic bishops and others have said the government is stepping on religious liberty by forcing Catholic institutions, such as hospitals, to include contraception in their employees' health insurance plans” (New Haven Register). Others say that people are denying the scientific facts and birth control should be covered by health insurance. Many people are asking, “Why is contraception still seen as
Under the Affordable Care Act’s (ACA) birth control benefit, all health plans must cover contraceptive methods and counseling for all women, as prescribed by a healthcare provider (The National Women’s Law Center, 2017). These services must be provided with no cost-sharing, such as out-of-pocket costs like deductibles, co-payments, and co-insurance provider (The National Women’s Law Center, 2017). The article, “Did Contraceptive Use Patterns Change After the Affordable Care Act?” presents interesting insight on the ACA’s effect on females’ contraceptive utilization (Bearak & Jones, 2017).
A difficult dilemma exists today in the American healthcare system concerning the rights of healthcare and religious institutions, universities with religious affiliation, and private business owners who refuse to provide insurance that covers abortion related services and or medications pertaining to such services. This quandary also encompasses individual practitioners such as physicians and nurses who refuse to participate in this practice. The Affordable Care Act (ACA) now requires contraceptive coverage, and contraceptive counseling for those businesses and practitioners who participate in the Health Insurance Marketplace, (HealthCare.gov, 2016), and in some states, the ACA also requires that
Background: the Affordable Care Act (ACA), which is a federal health reform bill, requires most public and private health plans to provide a minimum coverage of women’s preventive healthcare services with no cost sharing.1 Therefore, the Institute of Medicine (IOM) was commissioned to review what preventive services are essential for women’s health and welfare and consequently should be considered in the development of guidelines for women’s preventive services.2 According to the IOM recommendations, all FDA-approved contraceptive methods, sterilization procedures, and patient counseling and education must be covered for all women with reproductive capability without having to pay a co-insurance, co-payment or a deductible. The covered
On Friday, Oct. 6, the U.S. Department of Health and Human Services (HHS), under the Trump Administration, successfully retracted a policy within the Affordable Care Act (ACA) which previously stated that companies and insurance agencies were required to provide free contraception coverage for their employees.
Since the enactment of the Affordable Care Act (ACA), our health care system has undergone a transformation to be inclusive of every American’s health care needs. In particular, ACA has dramatically increased contraceptive coverage for women. Under the ACA’s contraceptive coverage guarantee, also known as contraceptive coverage mandate, all private health plans in the United States must cover at least one form of contraception in each of the of the 18 methods as identified in the Food and Drug Administration’s(FDA) Birth Control Guide for women (citation2). In addition, Insures most provided this coverage without copayments, deductibles, or out-of-pocket costs. Unfortunately, due to the wording of preventive care services in ACA legislation,
If they are granted an accommodation, the employer itself will not have to purchase coverage for contraceptives, but employees and their dependents will still be able to access coverage without cost-sharing through insurance companies and third-party administrators of self-funded health plans (Sobel & Salganicoff 2013, p. 3). This compromise is still not satisfactory to many who feel that their religious liberty has been infringed upon; for people in this position, the only ideal solution is to completely revoke the mandate of these services.
The same goes for women who are adults that want to prevent pregnancies. In an article “Controversies over Women’s Access to Birth Control”, there is 47 percent of unintended pregnancies occur in a small group of women who don’t use protection when having sex (Clemmitt, “Controversies over Women’s…”). Women should not have to worry whether or not she is going to get pregnant before finishing college or getting that promotion she’s been working most of her life to achieve. Women shouldn’t have to worry about getting pregnant and putting off the wedding she’s already spent thousands of dollars on. Women have the right to say when they want a baby or if she even wants to have one. If a women already pays for insurance it should cover all that
Because Donald Trump made it very clear during the Presidential Debates that he is against abortion and Planned Parenthood, it would be logical to require healthcare insurance companies to provide free birth control coverage to women because birth control prevents abortions. As stated previously, contraceptive devices such as the pill, patch, ring, insert, and IUD have been proven effective towards preventing unexpected pregnancies. If less women are getting pregnant because they are taking birth control, then there wouldn’t be any need for worried women to have abortions, which should make the president pleased since he is pro-life. Statistics collected from the CDC show that abortions have decreased throughout the years in the United States.
The ACA goes against many Christians religious beliefs because it includes a contraceptive called the ‘morning-after-pill’ and it considered by some to be an abortifacient, and many Christians do not approve of abortion, and some do not approve of birth-control in general. With the ACA legislation, businesses were forced to provide health insurance to their employees, this insurance included providing emergency contraceptives to their employees, and many Christian companies did not want to provide it because of their stance against abortion. Hobby Lobby, a chain of craft stores won their fight against the ACA legislation that would have forced them to participate in going against their beliefs, but other businesses were not as fortunate (Liptak,
New private health plans must cover and eliminate cost-sharing (co-payment, co-insurance or deductible) for proven preventive measures such as immunizations, Pap smears, and screening colonoscopies. Health plans must provide additional preventive measures to women, including free well-woman visits, screening for gestational diabetes, domestic violence screening, breastfeeding supplies, and contraception. Workplaces run by religious organizations that object to birth control are to receive a special accommodation: their health plans must still offer the coverage, but the cost of it will be borne entirely by their insurance companies. People on Medicare are also now entitled to the same free preventive coverage, and in addition get a free annual wellness visit.