Families to Pay Price If Maternity Coverage Gets Cut in GOP's Health Care Plan
CNN/Stylemagazine.com Newswire | 3/13/2017, 7:10 a.m.
By Julie Rovner
Kaiser Health News
NEW YORK (CNNMoney) -- Christie Popp, who is pregnant with her third child, is hoping hard that the maternity coverage she has through the Affordable Care Act doesn't go away.
That coverage is written into the health law as a requirement for every plan sold on the individual market. But that could change if Republicans get their way to repeal the ACA and remake health care.
Popp knows firsthand how difficult it was to find such coverage before most of the federal health law's provisions took effect in 2014. When the 37-year-old lawyer from Bloomington, Indiana, had her first child in 2011, she had health insurance through her job at a nonprofit legal clinic. Because the insurance carried a high deductible, she and her husband paid $6,000 out-of-pocket during the pregnancy and delivery.
By 2013, when her second son was born, she'd moved to individual coverage purchased after setting up her own practice.
"It was really bad insurance, and it was really expensive," she said.
To lower their out-of-pocket expenses, she and her husband decided to have a home birth with a midwife, though she still paid thousands of dollars to the physician she used as a backup.
For baby No. 3, the couple's calculations will be different, she said: "This time I have real good coverage, so it's great."
If it lasts, that is.
Republicans say they want to jettison the maternity coverage requirement, which is part of the ACA's list of 10 "essential" benefits. It's a valuable benefit, and removing it outright won't be easy since it would take complicated maneuvering in the Senate to do so. It remains intact in the bill moving through Congress, but that is due to budget rules, not because Republicans want to keep it.
The total price charged for pregnancy and newborn care ranges widely but averaged about $30,000 for a vaginal delivery and $50,000 for a cesarean section, with commercial insurers paying out an average of $18,329 and $27,866.
Still, the idea of the federal government requiring insurers to offer types of coverage is anathema to many Republicans, who assert it interferes with companies' and patients' choice.
Seema Verma, the consultant on private health insurance who was nominated to head the agency that oversees the health law, said at her Senate confirmation hearing last month that she does not necessarily support keeping maternity care as a requirement for insurance plans.
"Women have to make the decisions that work best for them and their family," she said. "Some women might want maternity coverage, and some women might not want it."
Backers of the coverage requirement say that's a fundamental misunderstanding of how insurance works.
"Anytime you allow people to pick and choose, you're making the care they don't pick more expensive," said Debra Ness, president of the National Partnership for Women & Families.
"Only 12% of plans on the individual market covered maternity" before the health law, said Janel George, director of federal reproductive rights at the National Women's Law Center. "So women were saddled with having to pay for this because insurance companies didn't have to." Although many plans offered optional maternity riders, these could cost close to $1,000 per month and had to be purchased months in advance of any pregnancy.