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Private Equity Fund Of Funds Many women getting birth control at the Shrewsbury Planned Parenthood clinic do not have health insurance and pay what they can on a sliding scale. Some have insurance, but their plans won't pay for the contraceptives.

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Curve Equity Exposed Fund "If they had to go to the drugstore, they could not afford to continue that prescription, and they can come here and get it at a reduced rate," said Phyllis Kinsler, president and chief executive officer of Planned Parenthood of Central New Jersey, which is based in Shrewsbury.

This is private insurance (often called Medigap) that pays Medicare' insurances, and may cover services not covered by Medicare. Most Medigap plans will help pay for skilled nursing care, but only when that care is covered by Medicare. Noncancellable Policies Insurance policies that cannot be cancelled by the insurance company, payment of the required insurance premiums; rates can never be changed by the insurance company.

Equity Income Funds Several bills in the Legislature would require insurers who provide prescription drug benefits to pay for contraceptives as they do for antibiotics and other medications. If a version is approved, New Jersey will join 21 other states that have passed "contraceptive equity" legislation. Similar bills are pending in other states, including Pennsylvania.

Different insurers have different forms of cover and limits. The Association of British Insurers (ABI) said that cancers, heart attacks and strokes must always be covered as a matter of principle if the policy is to be sold as “critical illness”. The organisation has also listed 23 other illnesses that a critical illness policy should cover, however, these are by no means legally required.

Capital Casebook Equity Supporters, including Planned Parenthood, say women pay 68 percent more out of their pockets for medical care than men, in large part because of reproductive health-care costs.

Private Investment In Public Nevertheless, a trade organization representing health-plan options said it is difficult to expand benefits when health-care costs are rising.

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Equity Mutual Funds The New Jersey Association of Health Plans wants all pending legislation on insurance mandates held until a new state commission designed to study them is up and running.

Birmingham Contact Equity "That would help legislators make the wisest decisions, because every time they mandate benefits, that's going to make some people happy who would want that benefit, but it increases the costs of the premiums, and every time the premiums go up there is a resultant increase in the number of uninsured," said Michele Guhl, the organization's president.

Private Equity Investment Firm It's not the first time that contraceptive coverage has come up in the Legislature; similar bills date back to the late 1990s. But State Sen. Joseph F. Vitale (D., Middlesex), the prime sponsor of one of the bills, said he was hopeful that the measure would pass the Senate Health, Human Services and Senior Citizens Committee, which he chairs, and go to a full Senate vote this session.

Complying Deal Equity Funds "Not having access to birth control also equals unwanted pregnancies and too many abortions, and so this is a way in which women can have control over their reproductive rights and can make the decision whether they'd like to have contraception or not," Vitale said. "Without the option, it makes it expensive and, for some, out of reach."

Equity Msn Private Wyoming A 2003 national employer benefits survey by the Kaiser Family Foundation and Health Research and Educational Trust found that while 99 percent of employees had prescription drugs covered, 88 percent had coverage for oral contraceptives and 72 percent for all reversible contraceptives.

American Equity Investment The New Jersey Business and Industry Association said there were no firm estimates on how many of the state's employers already cover contraception costs. The organization, which has more than 21,000 member companies, has not taken a position on the legislation.

Equity Index Funds "What we're hopeful is that the commission will have an opportunity to review the legislation so we'll have some information about it," said Christine Stearns, vice president of health and legal affairs. "We're just trying to look at it on our own to see what the impact of it would be."

Equity Private Team Wyoming While many women pay more than $20 a month for birth control, one study has shown it would cost employers $1.43 per employee per month, on average, to add the benefit to their group insurance, said Michele S. Jaker, government-relations and public-policy director for Planned Parenthood Affiliates of New Jersey.

Equity Group Investment Advocates say out-of-pocket costs can become a real strain on women in low-paying jobs with minimal insurance.

Capital Development Equity "The fact that she cannot get her contraceptive care covered, it exacerbates the fact that she is trying to make ends meet, she's in the workforce, she may have insurance, but she absolutely does not have any disposable income that would enable her to buy contraceptives," said G. Lynn Brown, president and chief executive officer of Planned Parenthood of Southern New Jersey, based in Camden.

Article Between Difference While the legislation would require insurers to cover those with prescription-drug benefits, it would not help those who have no insurance or those who work for large employers that self-insure their employees. It is also not clear how broad an exemption for religious employers would be.

Contact Equity Private Wyoming Still, advocates said a mandate would address an issue that many women are not comfortable bringing up or negotiating at work.

Agreement Equity Investment "Asking women to really go in to their employer and talk about their personal birth-control decisions as examples of why they need other coverage can be very awkward," Kinsler said.

Business Equity Funds By Krista Larson
Associated Press - 3/29/2004

Topic: Population

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