To: Amy J who wrote (179482 ) 9/28/2004 7:05:32 PM From: Saturn V Read Replies (3) | Respond to of 186894 Health Insurance Mess I think that the Health Insurance is a mess. You have a bias that everytime a woman has a medical insurance problem, it must because of a conspiracy of gender discrimination. I am familiar with plenty of insurance horror stories even with men, even though men tend to be macho, and do not vent their frustrations with the system. California Law requires that the employer provide a choice of insurance carriers. I believe that is enough. An individual buying insurance on the open market is going to get a terrible deal with dozens of exclusions based upon the medical history. Your story of a woman being excluded because she had post partum depression (and not post mortem depression), is specific to women. But individual health insurance policies are riddled with exclusions for "pre existing conditions". That means any test in your medical history for "any condition" , will be used as an excuse for a "pre existing condition exclusion" even thought that test might be negative. I agree that the clerk analyzing the insurance application form should have enough intelligence to distinguish between post partum depression, and other more deadly forms of psycological depression. Such "intelligent clerks" run the health insurance system ! Most likely a text based search engine analyzes the medical history of the potential applicant, and makes coverage decisions. The medical profession has also been guilty of being blind to women's heart disease symptoms. However this occurred not because of gender bias, but because of gender neutrality. The medical profession assumed that since the heart did not have any connection with the reproductive and sexual organs, heart disease would be identical in males and females. And since men provided the largest sample of heart disease victims, it was natural to base medical treatments based upon the the huge empirical evidence based upon men. Only in the last decade heart disease amongst women has been recognized as a big health risk and has been studied better. It has finally been noted that when it comes to the heart, men and women are indeed different.