Coventry Health Insurance of Georgia (GA) | Health Insurance Georgia | Why are Family Health Insurance Georgia Plan Premiums Different for Men and Women

Health Insurance Georgia

Why are Family Health Insurance Georgia Plan Premiums Different for Men and Women

Some people have observed that sometimes when a man and woman apply for the same family health insurance Georgia plan, there will be two different monthly premiums quoted. Some people complain about this difference, and in fact, the health reform acts address this disparity.

However, it is not that family health insurance Georgia plan providers discriminate against women, or prefer male members. The fact is that men and women do have different medical needs. The reproductive system of females is a very complex system, and requires more medical services than the reproductive system of males. Family health insurance Georgia policies cover most if not all preventive screenings and exams for members. There are a lot more medically recommended screenings and annual exams for women, and at much earlier ages. For example, the American Medical Association (AMA) recommends cervical exams for women starting at age 18, or when they become sexually active. There is no equivalent screening or exam for males, so family health insurance Georgia plans have no allowances for annual screenings or exams for men. Women also are encouraged to have breast cancer screenings early on as well. Mammograms start at age 35, although that age has come under debate recently. On the other hand, the only screening or exam recommended for men is a screening for prostrate cancer at age 50. As you can see, there is a lot of disparity between the two gender's medical needs.

The other main reason why family health insurance Georgia plan premiums are higher for women is pregnancy. Men do not require this kind of medical care. But a high percentage of women experience pregnancy, often more than once. Pregnancy care and labor and delivery are very expensive medical services that use up a lot of family health insurance Georgia plan benefits. In fact, some family health insurance Georgia plans exclude pregnancy and maternity care, in order to make the monthly premiums as low as possible. However, that will change also as the new health reform bill requirements go into place. In the future, maternity and pregnancy must be covered by all family health insurance Georgia plans.

So, although it may seem unfair that the premiums for family health insurance Georgia plans for men and women are different, the premiums are based on a complex mathematical formula that family health insurance Georgia plan providers use to determine how much medical expenses a member may use. This is based on health, age, medical conditions, gender, and other factors. Family health insurance Georgia plan carriers have trained staff whose job is to determine and predict how much a typical member will cost the company. The insurance company has to make at least this much money in order to stay afloat.

Once the family health insurance Georgia plan premium disparity between men and women is prohibited by the health reform acts, the additional risks and costs will just be distributed evenly among all members. Because the insurance company must make enough money to cover all its members' expenses, they will pass down additional costs to the users. Therefore, a healthy male who has no need of regular medical services will have to pay a much higher premium for his family health insurance Georgia policy than before. However, an unhealthy woman who has seven pregnancies will end up paying a much lower premium for her family health insurance Georgia plan than before.


Georgia Health Insurance
Get Quotes



Help Center
Office Hours
Mon - Fri: 8am - 9pm EST
Sat: 9am - 4pm EST