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首页> 外文期刊>Family planning perspectives >Reproductive and sexual health benefits in private health insurance plans in Washington State.
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Reproductive and sexual health benefits in private health insurance plans in Washington State.

机译：华盛顿州私人健康保险计划中的生殖健康和性健康福利。

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CONTEXT: Although unintended pregnancy and sexually transmitted diseases (STDs) are considerable problems in the United States, private health insurance plans are inconsistent in their coverage of reproductive and sexual health services needed to address these problems. METHODS: A survey administered to a market-representative sample of 12 health insurance carriers in Washington State assessed benefit coverage for gynecologic services, maternity services, contraceptive services, pregnancy termination, infertility services, reproductive cancer screening, STD services, HIV and AIDS services, and sterilization, as well as for the existence of confidentiality policies. "Core" services in each category were defined based on U.S. Preventive Services Task Force and other recommendations. RESULTS: Of the 91 top-selling plans on which data were collected, 8% were indemnity plans, 14% were point-of-service plans, 21% were preferred-provider organization plans and 57% were health maintenance organization (HMO)-type products; they had a combined enrollment of 1.4 million individuals. Coverage of core services varied widely by type of plan. While a high proportion of plans covered core gynecologic, maternity, reproductive cancer screening, STD and HIV and AIDS services, nearly half of plans did not cover any kind of contraceptive method. Approximately 13% of female enrollees did not have core coverage for gyneco!ogic services, 19% for matemity services, 75% for contraception, 37% for sterilization and 53% for pregnancy termination; 98% of women and men were not covered for infertility treatment. Most carriers did not have specific policies for maintaining privacy of sensitive health information. Overall, benefit coverage was lower for indemnity, preferred-provider organization and HMO plans in Washington State than has previously been seen nationally. CONCLUSIONS: A sizable proportion of women and men in Washington State who rely on private-sector health insurance lack comprehensive coverage for key reproductive and sexual health services.
机译：背景：尽管在美国，意外怀孕和性传播疾病（STD）是相当大的问题，但私人健康保险计划在涵盖解决这些问题所需的生殖和性健康服务方面并不一致。方法：对华盛顿州12家健康保险公司的市场代表性样本进行的一项调查评估了妇科服务，产妇服务，避孕服务，终止妊娠，不育服务，生殖癌症筛查，性病服务，艾滋病毒和艾滋病服务的福利覆盖率，和灭菌，以及存在保密政策。每个类别中的“核心”服务都是根据美国预防服务工作队和其他建议定义的。结果：在收集到的91个最畅销计划中，赔偿计划占8％，服务点计划占14％，首选提供者组织计划占21％，健康维护组织（HMO）-型产品;他们的总注册人数为140万人。核心服务的覆盖范围因计划类型而异。虽然大部分计划涵盖了核心妇科，产妇，生殖癌筛查，性病以及艾滋病毒和艾滋病服务，但近一半的计划并未涵盖任何避孕方法。约有13％的女性入学者没有接受妇科服务的核心覆盖，没有19％的生育服务，75％的避孕，37％的绝育和53％的终止妊娠的服务; 98％的男女不接受不育治疗。大多数运营商没有维护敏感健康信息隐私的具体政策。总体而言，华盛顿州的弥偿，首选提供者组织和HMO计划的福利覆盖率低于全国范围。结论：华盛顿州相当一部分依靠私营部门健康保险的男女缺乏全面的关键生殖和性健康服务覆盖。

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