Essay
Bill act HF3893 states for health care plans to cover prenatal, maternity and postnatal care should be required for pregnant women and should provide the same coverage of maternity benefits as married women under all group policies and if an unmarried person is a parent of a dependent child the health plan will provide the same coverage for that child as it does a married employee who opts for dependent family coverage. It is prohibited to discriminate against unmarried women and minor female dependents.
In a womens pregnancy they have maternity visits first every 4 weeks then to 2 weeks then once every week. women have 10-15 prenatal appointment visits throughout the course of a normal pregnancy and that's only if complications don't rise throughout the pregnancy many conditions could be identified during prenatal visits an early diagnosis will help with better planning and managing for the mother and babies health. U.S women have the highest maternal deaths among high-income families and black women are nearly three times more likely to die from pregnancy related complications multiple factors contribute to this, one being variation in quality health care.
Commonwealth Fund’s 2020 International Health Policy Survey and the Organisation for Economic Co-operation and Development (OECD), data shows ‘the U.S. wider failures with respect to women’s health care’ where it shows measures of women's health care access in reproductive age 18-49 from 11 different high income countries with the u.s as the lowest.
Essential information is given during these prenatal appointment visits, support about childbirth and postpartum care preparing them for parenthood which is helpful for new mothers.
According to FAIR health by state data It costs 6,000 with insurance and 11,000 without for childbirth in Minnesota and for c- sections is 8,000 with insurance and 15,000 without. Depending on your insurance plan, is what is paid out of pocket. In the bill it states it will cover 48 hours inpatient care for delivery and 96 hours cesarean (c- section) delivery as well as outpatient care is covered like parent education, nurse home visits and training in breastfeeding including child health supervision services. The bill says this health care plan does not offer any form of financial incentive or non-medical compensation to encourage a mother and her newborn to depart before meeting the minimum specified.
All legislators should vote yes on the Bill act HF3893 for health insurance to cover all care related to pregnancy, for those who want to create a family or are going to
should have all their health appointments related to maternity be covered, this preventive care could lead to cost savings in the future lowering the need for expensive medical interventions later on in the pregnancy. This can lead to long term economic benefits. Healthy mothers are more likely to return to work or school. This could decrease maternal deaths and the economic burden that comes with healthcare costs. All pregnant women who want to start a family should be able to not have to worry about their health nor their babies regardless of their financial state should receive the necessary care to support their pregnancy and deserve to provide the care for their newborns and be given those resources, proper prenatal nutrition and medical care can prevent congenital disabilities and other development issues. This Bill act could be a fundamental step toward supporting the well-being of mothers and their families and a healthier future for our society.
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https://www.acog.org/womens-health/experts-and-stories/the-latest/what-id-like-eve ryone-to-know-about-racism-in-pregnancy-care#:~:text=Racism%20in%20pregnancy %20care%20is,1%20in%205%20mothers%20overall.
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https://www.commonwealthfund.org/publications/issue-briefs/2022/apr/health-and-h ealth-care-women-reproductive-age
https://www.mavenclinic.com/post/understanding-and-controlling-the-high-costs-of -fertility-and-pregnancy