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Discrimination by Insurance Companies

Submitted by jrlaw on Oct 28th, 2009

As of late, insurance coverage discrimination has been on television and in numerous newspapers and magazines. In a recent ABC news report, women are testifying on Capitol Hill saying that they pay higher premiums for less coverage. You can view the full report at abcnews.go.com.

Insurance companies are like any other business – they are out to make a profit. Since they must pay out less money for medical care, they find ways to do so without going over their premium payouts. To keep from paying out too much money, they tend to avoid signing up people who may have conditions that are costly. This also means women are subject to this medical malpractice.

Insurance coverage discrimination is very evident in today’s society. Employer insurance for women forbids discrimination; however, individual insurance outside what their employers provide is grossly unfair. In a report done by the National Women’s Law Center, there have been findings that support this claim:

• 25-year-old women are charged between 6 percent and 45 percent more than 25-year-old men

• 40-year-old women are charged between 4 percent and 48 percent more than 40-year-old men

• 55-year-old women are charged between 22 percent and 37 percent more than 55-year-old men

The NWLC also reported that maternity care in the individual market is difficult to acquire and costly to maintain. The majority of individual insurance policies do not cover maternity care at all. If they do, they may sell the coverage for an additional fee.

Rasansky Law firm is dedicated to being an advocate for women suffering from insurance coverage discrimination. If you feel that this medical malpractice happened to you, do not hesitate to fill out our free case evaluation form. Our team will gladly review the facts of your situation.