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Feds Close Insurance Loopholes on Preventive Care

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This image shows the website for updated HealthCare,gov, a federal government website managed by the U.S. Centers for Medicare & Medicaid Service. The Obama administration has unveiled an updated version of HealthCare.gov. It’s got some improvements and some challenges. There’s also at least one early mistake. (AP Photo)

(AP Photo)

Ricardo Alonso-Zaldivar, ASSOCIATED PRESS

 

WASHINGTON (AP) — From contraception to colonoscopies, the Obama administration Monday closed a series of insurance loopholes on coverage of preventive care.

The department of Health and Human Services said insurers must cover at least one birth control option under each of 18 methods approved by the FDA — without copays.

Also, insurers can’t charge patients for anesthesia services in connection with colonoscopies to screen for cancer risk.

President Barack Obama’s health care law requires most insurance plans to cover preventive care at no additional charge to patients. That includes employer plans serving about 3 in 4 workers.

The types of services covered generally dovetail with the recommendations of a government advisory panel. Also on the list are birth control pills and other contraceptives.

But independent experts and women’s groups had recently found coverage gaps for some birth control methods. Insurers said they were trying to comply with the law, but that federal rules did not provide enough detail.

“This has been a problem for women,” said Cindy Pearson, executive director of the National Women’s Health Network. “It seems like some insurers were trying to control costs under cover of medical management.” Her organization advocates on reproductive health and other issues.

Other services covered without copays or cost-sharing include:

— Preventive screening, genetic counseling and BRCA genetic testing for women at increased risk for having a potentially harmful mutation in genes that suppress cancerous tumors.

— Prenatal care and other services to promote healthy pregnancies. The requirement applies to insurance plans that cover children as dependents.

— Certain preventive services for transgender people. For example, a mammogram for a transgender man who has residual breast tissue or an intact cervix.

On birth control, insurers will be required to offer at least one no-cost option in each FDA-approved category. These include daily birth control pills as well as longer-acting hormonal patches and IUDs, and the morning-after pill. The option provided can be a generic, but if a woman’s doctor says a more expensive alternative is medically necessary, the plan must cover it without a copay.

Insurance billing is notorious for breaking down procedures into different subcategories. The new rules made it clear that patients cannot be billed a copay for anesthesia during a colonoscopy.

“The plan or issuer may not impose cost sharing with respect to anesthesia services performed in connection with the preventive colonoscopy if the attending provider determines that anesthesia would be medically appropriate for the individual,” HHS said in its guidance document.

For insurers, the new government requirements take effect in 60 days. In practice, most consumers will not notice major changes until their coverage renews for 2016.
Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Activism

California Launches Free Diaper Program for Newborns Statewide

The initiative, called Golden State Start, will provide 400 free diapers to every newborn delivered at participating California hospitals beginning this summer. The state is partnering with Baby2Baby, a California-based nonprofit that distributes essential items to children in need nationwide.

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By Bo Tefu, California Black Media

Gov. Gavin Newsom announced Friday that California will launch a first-in-the-nation program providing free diapers to families with newborns, part of a broader effort to lower costs for parents and improve infant health outcomes.

The initiative, called Golden State Start, will provide 400 free diapers to every newborn delivered at participating California hospitals beginning this summer. The state is partnering with Baby2Baby, a California-based nonprofit that distributes essential items to children in need nationwide.

State officials said hospitals participating in the program will give families the diapers when they are discharged after birth, helping parents leave with an immediate supply of newborn essentials.

“Every baby born in California deserves a healthy start in life,” Newsom said in a statement. He said the program is part of California’s broader affordability efforts, which also include free school meals, universal preschool for four-year-olds and expanded after-school programs.

The announcement comes ahead of Mother’s Day and is tied to the administration’s broader CalRx initiative, which aims to reduce costs for essential products and medications. State officials said California is also exploring ways to lower diaper prices by challenging high costs from major brands.

The first year of the program will prioritize hospitals serving large numbers of Medi-Cal patients, with plans to expand to additional hospitals and birthing centers over time. Officials said the effort is intended to reduce financial pressure on low-income families and improve infant and maternal health by ensuring parents have access to clean diapers.

“California families deserve to feel supported during one of life’s more exciting, yet vulnerable transitions,” First Partner Jennifer Siebel Newsom said in a statement. She said the program would allow parents to focus on caring for their newborns instead of worrying about basic supplies.

According to Baby2Baby, one in two families in the United States struggles to afford diapers. The organization has distributed more than half a billion items to children over the past 15 years through partnerships with shelters, hospitals, foster care programs and schools.

State officials said Baby2Baby will oversee diaper purchasing, warehousing and distribution through its existing hospital and community partnerships across California.

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Activism

More and More, Black Californians Are Worried About Rising Costs of Housing, Energy, Food and Gas 

According to an April 2024 report by the Greenlining Institute, low-income Black Californians are struggling with affordability due to a combination of historical systemic barriers and modern economic pressures. The Greenlining Institute is a California-based policy, research, and advocacy nonprofit founded in 1993 to fight systemic racism and economic injustice.

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By Antonio‌ ‌Ray‌ ‌Harvey‌, California‌ ‌Black‌ ‌Media‌

Housing, energy, food and gas are four essential household expenses, and their rising costs are forcing residents—especially lower-income households—to make difficult trade-offs, Assemblymember Rhodesia Ransom (D-Stockton) said at a conference on affordability last week in Sacramento.

Ransom, a member of the California Legislative Black Caucus (CLBC), noted a shift in consumer behavior, stating, “Before people used to choose between things that they wanted and things that they needed.”

“Now, what we’re hearing from constituents is they are prioritizing their needs differently,” she said. “Because of the affordability crisis, it’s no longer about choosing between other needs. Our constituents are now saying ‘what needs to be prioritized?’ Gas and food are at the top of the list.”

Ransom made the comments about affordability at Capitol Weekly’s informational conference titled “Affordability: The Cost of Living in California,” which was held on April 30 at the University of California’s Student and Policy Center.

Co-hosted with the University of California Student and Policy Center, the political conversations focused on identifying policy solutions to the state’s extremely high prices for energy, food, and essentials.

The keynote speakers at the conference were former Assemblymember Lorena Gonzalez, president of the California Federation of Labor Unions, and Mike Madrid, a political strategist, author, and senior fellow at UC Irvine.

Conversations about affordability are taking on greater urgency as the election season kicks in, speakers said.

According to an April 2024 report by the Greenlining Institute, low-income Black Californians are struggling with affordability due to a combination of historical systemic barriers and modern economic pressures. The Greenlining Institute is a California-based policy, research, and advocacy nonprofit founded in 1993 to fight systemic racism and economic injustice.

Black households in California experience the highest levels of rent burden; approximately 65% of Black renters, according to the Greenlining report. Historical “redlining” and ongoing discrimination have restricted homeownership. Black families also pay 43% more for energy than White households, partly because they are more likely to live in older, less energy-efficient rentals.

In addition, roughly 1 in 3 Black adults (36.5%) reported household food insecurity in late 2025, more than double the rate for White adults. This is often exacerbated by “food deserts” in predominantly Black neighborhoods.

In March, Assembly Minority Leader Heath Flora (R-Ripon) expressed concerns about affordability in California, describing it as a crisis where families are being “pushed to the edge.”

“Californians should not have to choose between putting food on the table or filling up their car,” Flora stated. “We need to cut costs now. Not tomorrow, not next week, not next month. Now.”

Cuts to the federal Supplemental Nutrition Assistance Program (SNAP) funding are being driven by the Trump Administration’s One Big Beautiful Bill Act (H.R. 1), which is reducing federal spending by approximately $187 billion through 2034.

Those reductions are putting more pressure on the state to help, Ransom said. According to the AAA Gas Prices website, as of May 8, California’s gasoline prices averaged over $6 per gallon in some areas, with various locations experiencing spikes of $7 to $8 per gallon. In California, fuel prices are driven by refinery maintenance and market volatility, while high food prices are linked to rising transportation costs, experts say.

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Activism

Advocates Rally at State Capitol to Demand Heat Protections for Incarcerated People; More Funding for DV Survivors

On May 4, Assemblymember Mike Gipson (D-Carson) spoke at the Survivors Speak California Rally at the State Capitol to advocate for AB 2499, which focuses on heat and health protections in state prisons. The three-day event was organized by Californians for Safety and Justice, a project of the Crime Survivors for Safety and Justice network.

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Crime Survivors Speak at the California State Capitol was a multi-day advocacy event held May 4–6 that called for increased support, services, and funding for crime victims. Organized by Crime Survivors for Safety and Justice (CSSJ), the gathering brought together more than 200 survivors and family members to advocate for legislative reforms. CBM photo by Antonio Ray Harvey.
Crime Survivors Speak at the California State Capitol was a multi-day advocacy event held May 4–6 that called for increased support, services, and funding for crime victims. Organized by Crime Survivors for Safety and Justice (CSSJ), the gathering brought together more than 200 survivors and family members to advocate for legislative reforms. CBM photo by Antonio Ray Harvey.

By Antonio Ray Harvey, California Black Media

In July 2024, Adrienne Boulware, a 47-year-old mother and grandmother, died from complications related to extreme heat exhaustion while incarcerated at the Central California Women’s Facility (CCWF) in Chowchilla, according to her family.

Assemblymember Mike Gipson (D-Carson) hopes his legislation, Assembly Bill (AB) 2499 — also known as the “Adrienne Act” — will help prevent tragedies like Boulware’s death in California prisons.

“It is no secret that our state prisons have aging infrastructures that have inadequate ventilation systems,” Gipson said. “It should come as no shock that indoor temperatures in these facilities exceed 90 degrees, which means it gets really hot.”

On May 4, Gipson spoke at the Survivors Speak California Rally at the State Capitol to advocate for AB 2499, which focuses on heat and health protections in state prisons. The three-day event was organized by Californians for Safety and Justice, a project of the Crime Survivors for Safety and Justice network.

Boulware’s family attended the rally in support of the measure, which would require the California Department of Corrections and Rehabilitation (CDCR) to establish a pilot program to address extreme heat by July 1, 2027, in at least three prisons across different climate zones.

Boulware’s daughter, Michela Nelson, said her mother frequently complained about heatwaves during the summer months. CDCR stated that Boulware’s death — she was also known as “Twin” — appeared to be related to pre-existing medical conditions rather than extreme heat.

“My mother was not just a mother of four and grandmother of 12. She was a mother to many inside and outside of the prison,” said Nelson, the eldest of Boulware’s children. “My mother didn’t die because she was sentenced to death. She died because she was left in conditions no human being should ever endure.”

AB 2499 would formally create the Climate Justice in Prisons Emergency Response Act. The legislation would require CDCR to develop a long-term plan to install heating, ventilation, and air conditioning (HVAC) systems and shade structures in existing facilities.

The Survivors Speak California Rally coincided with other advocacy events at the Capitol supporting survivors of violent crime.

On May 5, Jazz LedBetter and other advocates rallied nearby to urge lawmakers to include $100 million in the state budget for domestic violence and sexual assault services.

Assemblymember Pilar Schiavo (D-Chatsworth) and Sen. Susan Rubio (D-Baldwin Park) served as keynote speakers. Both lawmakers have publicly shared their own experiences as survivors of assault.

LedBetter, a survivor of human trafficking, is also an author, activist, and artist who uses her experiences to advocate for human trafficking prevention. She shares her story of survival, addiction, and recovery in her self-published book, “Harlot Heart: Tributes To Triumph.”

“Take a moment and think about someone finally reaching out for help, and there’s no one here to answer,” LedBetter said during her presentation on the east lawn of the Capitol.

Advocates said the funding is needed to help close a gap caused by a sharp decline in federal Victims of Crime Act (VOCA) funding.

“I am here because I am proof of what happens when someone gets support. Don’t let this funding (shortfall) be the reason someone doesn’t make it out,” LedBetter said. “The difference between survival and unfortunately common sad stories is whether or not someone is there (to help) when it matters the most.”

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