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 Posted: Wed Feb 11, 2009 11:42 am Post subject: Why women are charged extra? |
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| Quote: | According to a study by the National Women's Law Center, a 25-year-old woman in the Lone Star State will pay as much as 22 percent more than men do when buying individual coverage if she is not covered under an employer's health plan. A 40-year-old woman will pay as much as 37 percent more.
"Women are being charged more, simply because they're women," said Judy Waxman, who worked on the study.
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Can there be any base or reason why this change in insurance rates is observed with women as compared to men? aaannnnnnnyyyyy expert comment 
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amit
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| Posted: Thu Mar 05, 2009 2:19 pm Post subject: |
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hmmmm...?
I thought statistically their health was supposed to be securer..
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| Posted: Thu Mar 05, 2009 2:28 pm Post subject: |
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two 'guesses'...men don't have babies nor do they have near the plumbing women have nor the problems that occur with that plumbing...only thing i can think of that might make this make sense.
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Lori
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| Posted: Thu Mar 05, 2009 2:53 pm Post subject: |
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 men-o-pause come around 40. haha but maybe thats what you were implying
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| Posted: Thu Mar 05, 2009 3:13 pm Post subject: |
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| Quote: | | men-o-pause come around 40. haha but maybe thats what you were implying_ |
well no but that is funny...course as i said women's health (i'm guessing) is more costly...as example: they have babies, NOT cheap...which also then incurs the childs medical bills, they have pap tests, mamograms, then all the problems that result from these...do you know ANY women that are let's say 60-65 that haven't had to have atleast one or two 'procedures' of some sort? I know I don't...but I know plenty of men who have NEVER had any type of procedures done...again, these are guesses on my part i can barely spell 'underwriting' 
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Lori
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| Posted: Fri Mar 06, 2009 5:34 am Post subject: |
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Well I think the fact is, if you are likely to make more claims, you will have to pay higher premiums. Since women use more health care service (going to the doctor, take prescription drugs, regular check ups) they are deemed more expensive than men. Hence is the difference in the cost of health care for men and women.
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sil
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| Posted: Fri Mar 06, 2009 9:29 am Post subject: |
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| Agreed, that the cost of healthcare increases for women during the period of child bearing. This also put them at greater risk. Therefore, women are charged more than men of same age. However, I wonder if that's the only reason for the insurers to charge the women more? |
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simon
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| Posted: Fri Mar 06, 2009 11:13 am Post subject: |
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| When I think back at all my doctor visits and health problems and then look at my dear old hubbys I can kind of see why this is. Fair...well I am not so sure about that one..after all I did not as to be a woman and to have a ton of women related health issues. Lori probaly hit the best reason with the mentioning of child bearing. We also have to take a look at the after child bearing age and the complications that come with it. Something else that comes to mind is infertility. So I guess when you put some thought into it I can see why this could be. |
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fireyone
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| Posted: Fri Mar 06, 2009 2:17 pm Post subject: |
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I wonder what socialized healthcare will make of this.?
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| Posted: Sun Mar 08, 2009 6:21 am Post subject: |
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socialized health care: i am not sure how do they calculate their insurance rates but one thing is for very sure that women are getting charged extra because of the extra responsibilities they have towards the child.
but despite of that they are charged less when it comes to woman's special insurances.Need to have a special lookout from the underwriter.
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amit
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| Posted: Mon Mar 09, 2009 1:18 pm Post subject: |
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| what are woman's specials insurances? |
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| Posted: Mon Mar 16, 2009 12:19 am Post subject: |
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Women live longer. They are smarter drivers especially at younger ages. They benefit from the above by paying lower premiums for life and auto insurance.
Women also need more health care during their child bearing years. They pay more for insurance during those years. After menopause, they pay about the same as men, in some cases less.
It's all about the babies.
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Alston
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| Posted: Mon Mar 16, 2009 12:46 am Post subject: insurance |
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| I don't think it should matter who can 'bare the children' (LOL). men have as many, if not more Health problems than women do. Woman and men SHOULD be charged equally. |
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sdchargersfan
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Alston
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| Posted: Mon Mar 16, 2009 6:33 am Post subject: |
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Regarding the auto insurance rates, the differences are soon disappearing. Grils are no longer rated better than the boys.
Anyway, its true that women live longer and reported to have lesser problems related to heart and therefore, are charged lower than the male for life insurance. But, a woman is also at greater mortality risk during her child bearing phase, then why isn't she charged extra on her life policy in this period?
Any possible explanation!
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