General Discussion

HockeyMom

(14,337 posts)

60. Pay more if you are still childless and over 30?

Fri Oct 11, 2013, 08:39 AM

Oct 2013

That was at my last employer who self-insured. Women's questionnaire stated that, since the AMA recommends having your first child before 30, you were at risk if you didn't. Ready for this? Complications from labor and delievery if over 30, AND an increased risk of breast cancer. Oh, you wouldn't believe what they did. They even asked how old you were when you first started menstruating. I guess that was a risk to them if you were too young when you got your period? Like what the hell are you supposed to do about that???? Women were FURIOUS over this.

"If under 30, are you planning on having a baby in the next year?" One young teacher was 28 and unmarried. She wrote on that form and asked if they had a Dating Service, besides their Health Coaches (sic), and find could her a husband so she could get pregnant ASAP, "comply" (they said that a lot), and not be charged higher premiums.

I suppose because they self insured they thought they could charge, and discriminate, however they wanted. Could this even be LEGAL?

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Should it be illegal or legal to charge women more than men for health insurance [View all] CreekDog Oct 2013 OP

Would the coverage be identical? E.g., would the man's policy cover maternity-related cost? hooverville29 Oct 2013 #1

For sure. The man has a baby, insurance covers. You betcha. Nt seabeyond Oct 2013 #2

and if his wife wants viagra, that's covered too CreekDog Oct 2013 #4

Lol. Yup. Nt seabeyond Oct 2013 #5

LOL freshwest Mar 2014 #107

Negative. Maternity coverage usually separate package in individual policies. Here's a good article hooverville29 Oct 2013 #14

Fucked up- don't they know most pregnancies are CAUSED by men? bettyellen Oct 2013 #26

A succinct and scientific explanation, that! But men don't believe it. No, they really don't... freshwest Mar 2014 #108

that's how Federal employee insurance policies work now CreekDog Oct 2013 #3

What the hell does that even mean? Does my policy cover prostate Squinch Oct 2013 #7

yes, your insurance should cover prostate issues CreekDog Oct 2013 #9

Right? It's a question that doesn't even make sense! Squinch Oct 2013 #12

Why wouldn't it? Lars39 Oct 2013 #10

If they are humans, all human medical needs would be covered. Even separation of conjoined twins, kestrel91316 Oct 2013 #13

You think men will balk at covering their wives on their insurance account? Hekate Oct 2013 #20

My husband was mimi85 Oct 2013 #57

Men do have babies BainsBane Oct 2013 #27

You do realize if you truly believe that SQUEE Oct 2013 #66

when it comes to the cost... no, men do not get "choice" and it does not effect women choices. or seabeyond Oct 2013 #67

I agree SQUEE Oct 2013 #69

Looks to me like some are coming up with excuses BainsBane Oct 2013 #73

If he does't want a baby BainsBane Oct 2013 #71

yup. we have had huge arguments and to suggest no sexist is misandry, or something, lol. nt seabeyond Oct 2013 #72

Is your contention that men have nothing to do with children? BainsBane Oct 2013 #70

Where babies come from BainsBane Oct 2013 #75

Women have cheaper life insurance premiums fitman Oct 2013 #80

so we save cost with our ability to use preventative care. we should get a bonus. and to suggest seabeyond Oct 2013 #82

and why am i not even a little surprised after just a couple weeks, this would be your position. seabeyond Oct 2013 #84

someone genetically inclined to illnesses will use more insurance. for getting genetic markers to seabeyond Oct 2013 #85

The discussion is on health insurence... me b zola Oct 2013 #98

Illegal, but the decision is not a slam dunk. lumberjack_jeff Oct 2013 #6

However, women pay more in health insurance due to their long lifespan. uppityperson Oct 2013 #29

Hmm. lumberjack_jeff Oct 2013 #40

women are dying younger, and men are living longer so the number will meet up more. but... seabeyond Oct 2013 #64

Great question! nt Demo_Chris Oct 2013 #8

thanks. for some reason, question is too hard for you CreekDog Oct 2013 #11

Before I jump on bandwagons I like to think for myself... Demo_Chris Oct 2013 #15

Gotcha. Gender equality is a "bandwagon" CreekDog Oct 2013 #17

Equality is such a fuzzy word... Demo_Chris Oct 2013 #33

so you're saying the overall system is flawed so it's wrong to fix specific flaws CreekDog Oct 2013 #43

I am fairly certain I never said any such thing... Demo_Chris Oct 2013 #45

glad to hear that CreekDog Oct 2013 #46

Solidarity, eh? PETRUS Oct 2013 #16

Both sexes should pay the same...we're all humans and should be equal. Auntie Bush Oct 2013 #18

I wonder if folks here feel the same way customerserviceguy Oct 2013 #34

i have to wonder why, in your 50's you are still in the position of costing more. having two sons seabeyond Oct 2013 #63

what about discrimination based on age, which is still permitted by the way? dsc Oct 2013 #19

How about a single risk pool labeled "Human Being"? How about we stop thinking that men are... Hekate Oct 2013 #21

I notice you aren't mentioning age here dsc Oct 2013 #24

As a woman whose insurance has paid for many treatments for men when coverage of birth control... Hekate Oct 2013 #44

but again apparently not for older people dsc Oct 2013 #89

What about senior citizen discounts? fitman Oct 2013 #90

and funny how pretty much zero people are complaining about older men paying more dsc Oct 2013 #93

Young people make less. lumberjack_jeff Oct 2013 #42

Interesting question. Not as simple as it appears. BlueCheese Oct 2013 #22

The cost for everyone should be the same: zero. Warren Stupidity Oct 2013 #23

How do you get a zero-cost healthcare system? Self-building robot doctors? (nt) Recursion Oct 2013 #41

He means single-payer. The "payer" being the government. nomorenomore08 Oct 2013 #47

I don't know of a country where the doctors work for free, do you? Recursion Oct 2013 #48

Where did I say doctors should work for free? I was just making the point that every other developed nomorenomore08 Oct 2013 #51

You mentioned "single payer", not me. But even socialized health care is not free Recursion Oct 2013 #53

Of course it's not free. Just, generally speaking, a lot more efficient. nomorenomore08 Oct 2013 #54

Oh my gosh I had no idea single payer systems cost a lot in taxpayer money Quantess Oct 2013 #105

You pay for it through the tax system. Warren Stupidity Oct 2013 #59

Maybe we should present male infants with the insurance bill for their gestation costs? Starry Messenger Oct 2013 #25

Let me guess BainsBane Oct 2013 #28

Men are charged more for car insurance. So FoxNewsSucks Oct 2013 #30

Do you have children? BainsBane Oct 2013 #31

Some dim bulbs round these parts here, today. boston bean Oct 2013 #32

What did I say about birthing or children? FoxNewsSucks Oct 2013 #35

That the baby isn't just the woman's BainsBane Oct 2013 #38

Some countries (Denmark for one) give new fathers an equal amount of paternity leave. nomorenomore08 Oct 2013 #49

Some companies do that too BainsBane Oct 2013 #50

if my understanding is correct it is the law to give maternity leave (fhmla) to both men boston bean Oct 2013 #58

It is. Agschmid Oct 2013 #78

not paid leave though BainsBane Oct 2013 #94

right, so what that posters beef? boston bean Oct 2013 #95

I couldn't begin to figure out someone like that. BainsBane Oct 2013 #96

Of course you couldn't. FoxNewsSucks Oct 2013 #97

I saw your choice on the poll BainsBane Oct 2013 #99

You're still wrong, FoxNewsSucks Oct 2013 #100

And life insurance. I would be more sympathetic to eliminating Plays In Traffic Oct 2013 #102

Illegal because insurance should be illegal. Health care must be commons. TheKentuckian Oct 2013 #36

It should definitely be illegal cristianmarie533 Oct 2013 #37

One big pool, everyone covered, everyone with an equal investment. Warren DeMontague Oct 2013 #39

Odd that no one is bringing up age rating eridani Oct 2013 #52

That's probably because that's not the topic of the thread. nt. Mariana Oct 2013 #55

Age rating was a huge give-back to the for profit insurance companies. Warren Stupidity Oct 2013 #87

When it comes to having children defacto7 Oct 2013 #56

Pay more if you are still childless and over 30? HockeyMom Oct 2013 #60

It should be free, and that's equal. nt bemildred Oct 2013 #61

Young males pay more for auto insurance than young ladies. Savannahmann Oct 2013 #62

are you a man? are you upset? why dont you start your movement instead of expecting others to do seabeyond Oct 2013 #65

Oh, but if he did "start (his) movement..." opiate69 Oct 2013 #106

The ability to drive a car legally is not on the same level of urgency Lyric Oct 2013 #76

I didn't say it was equivelent. Savannahmann Oct 2013 #81

It should be legal for insurance companies to charge whatever they want for health insurance. Dr. Strange Oct 2013 #68

Among the many bizarre things about this is that some who voted it is OK to charge different rates.. stevenleser Oct 2013 #74

Under the current system it should be legal. This is not a question of equality. NCTraveler Oct 2013 #77

It should be illegal to charge anyone more for reasons beyond their control. BenzoDia Oct 2013 #79

possibly the best answer on this thread. race/gender/sexual orientation La Lioness Priyanka Oct 2013 #83

Health insurance is not only about individuals, it protects families and communities Vox Moi Oct 2013 #86

If you were born Aerows Oct 2013 #88

In the UK there are no differences in NHS rates between men and women. dipsydoodle Oct 2013 #91

I do not see any (consistently) valid reason to charge female patients more than male patients LanternWaste Oct 2013 #92

11 people think insurance company profits are more important than women's lives BainsBane Oct 2013 #101

Minnesota hasn't allowed different rates for men and women for years dflprincess Oct 2013 #103

California too CreekDog Mar 2014 #109

If I hit someone in my car and cause them expenses/damage, then my insurance pays for what I did DebJ Oct 2013 #104