girl-mom

Community Advocacy and Support by and for Young Mothers

Domestic Abuse as a Preexisting Condition

6 posts / 0 new
Last post
boigrrrlwonder
boigrrrlwonder's picture
Offline
Last seen: 11 months 4 weeks ago
Joined: 2006-08-02 07:30
Domestic Abuse as a Preexisting Condition

In eight states, it's legal for insurance companies to force survivors of domestic violence to pay more for insurance. Here's the link: http://www.huffingtonpost.com/2009/09/14/when-getting-beaten-by-yo_n_286029.html

MamaButterfly
MamaButterfly's picture
Offline
Last seen: 1 year 2 months ago
Joined: 2004-11-12 21:57
Re: Domestic Abuse as a Preexisting Condition

I've been reading up on this. It's terrible, but so is everything related to insurance companies. They can also deny insurance altogether.

CanadianMamma
CanadianMamma's picture
Offline
Last seen: 1 year 9 months ago
Joined: 2005-10-16 01:48
Re: Domestic Abuse as a Preexisting Condition

As if there isn't enough in the way of women leaving abusive partners, to allow corporations to revictimize people by denying them a basic human right is awful.

I'm not as familiar with the way healthcare works in the US, but here in Canada if you are subject to a preexisting condition clause, it means that you can be denied insurance altogether, or your insurance will not cover anything related to that condition. Which basically means that if you want insurance, you need to get it through an employer group plan.

momnipotent
momnipotent's picture
Offline
Last seen: 1 year 3 months ago
Joined: 2009-03-02 12:39
Re: Domestic Abuse as a Preexisting Condition

Holy shit, I can't believe they can get away with that!

xoAxWESOxo
xoAxWESOxo's picture
Offline
Last seen: 4 years 5 months ago
Joined: 2007-10-05 22:23
Re: Domestic Abuse as a Preexisting Condition

Does this consider domestic abuse by the same partner a preexisting condition, or future abuse by any partner? I guess I could understand where they are coming from if it's the same partner and it could actually be an incentive for someone to leave an abusive relationship if their future injuries wouldn't be covered but if it's any other partners I really don't see how that's fair at all.

CanadianMamma
CanadianMamma's picture
Offline
Last seen: 1 year 9 months ago
Joined: 2005-10-16 01:48
Re: Domestic Abuse as a Preexisting Condition

I was wondering the same thing. Like, if you get treated because of an abusive relationship once and leave, are you automatically branded for life?

Either way, it's not right and it's not acceptable. It's been proven that abuse starts long before the perpetrator gets violent. By the time the victim ends up in the emergency room for treatment, it's not as easy as just leaving. And the fact that you may be denied health insurance prbably isn't going to be the first thing on someone's mind when they have been told they are worthless, isolated from anyone that can help them, and been threatened that if they leave they will be killed.

Even if it is an incentive for some women to leave, it's not very effective. Abuse is a cycle and the only way to make a clean break from that is to be determined to do so, for your own good, for your children'sd own good, whatever the internal incentive is. External incentives only perpetuate the cycle of abuse. So many women are forced to leave abusive partners before they are ready to make that clean break, and that lovely little "incentive" just gives the abuser one more means of control.

For example, a woman leaves her abusive partner because she was told that her children would be removed by CPS if she allowed them to live in a situation where they were witnessing abuse. She may leave, but not be ready to make a clean break. The abuser, knowing exactly which buttons to push and how to exert his control over her, can weasel his way into being over every day, then maybe just sleeping on the couch for a few days, and then all of a sudden it appears that he's back to living with her. Now, whenever they have a fight, she tries to kick him out, he wants her to do anything, he can threaten to call CPS and have her children removed because she is letting him live there. It works the same way with welfare, and I'm sure the no insurance incentive would present the exact same issues.

It's victim blaming, plain and simple. It's not alright. Victims don't deserve the blame, and punishing the victim doesn't solve the problem. The abuser needs to be the one the blame is placed on and the one who gets punished.