MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

Tokyo Markets Close in:

At Arctic conference in Alaska, Obama calls for U.S. leadership on climate
  Reuters
Mount McKinley in Alaska is renamed Denali
Which U.S. president has the tallest mountain?

3 major hurricanes over Pacific for first time ever
 NASA
Hurricane Katrina: New Orleans 10 years later
Atlantic hurricanes lose sway over oil and gas

State Department releases more Clinton emails
U.S. Democratic presidential candidate Hillary Clinton speaks during an event at the New York University Leonard N. Stern School of Business in New York July 24, 2015.  Reuters
Clinton says she supports ‘revolving door’ bill
Biden a tougher matchup than Clinton: poll

Wes Craven’s 5 highest grossing films
Wes Craven’s 5 highest grossing films  Everett Collection

Beijing bumbling is now China’s biggest problem
Paramilitary police officers stand in a line next to passengers as they stand guard at a bus station on Chang'an Avenue near Tiananmen Square, ahead of the APEC leaders summit in central Beijing, on Friday, November 7, 2014.   Reuters
Goldman cuts China economic growth targets
China ‘punishes’ nearly 200 over rumors
Chinese stocks cap a brutal August with loss

Apple, Cisco team to put business users on iOS
Apple Inc.'s iPad Mini is held for a photograph during an Apple launch event in San Jose, California, U.S., on Tuesday, Oct. 23, 2012. Apple Inc. introduced a smaller version of the iPad designed to keep customers from buying low-cost tablets from competitors Microsoft Corp., Amazon.com Inc. and Google Inc. Photographer: Noah Berger/BloombergA iPad mini is pictured during an Apple Inc. launch event on Tuesday, Oct. 23, 2012, in San Jose, California, U.S.Photographer: Noah Berger/Bloomberg News.  Bloomberg
Apple TV could soon be twice as expensive
Lost Apple deal leads to 40% job cut at GT
What to expect at Apple event in September

His brother wants a loan from their late dad repaid
 Terrence Horan/MarketWatch

Here’s why Elon Musk   fears the ‘robocalypse’
Here’s why Elon Musk fears the ‘robocalypse’ Elon Musk
Google’s ‘terrifying’ takes to the wild
A tour of the world’s first robot-staffed hotel

Jobs report could stop rate hike — but not ensure one
Jobs report could prevent rate hike — but unlikely to ensure one
After Jackson Hole, no clear path for the Fed
Where every Fed member stands on rates
Fischer: Fed watching China more closely

Is this all the investing advice you’ll ever need?
Is this all the investing advice you’ll ever need? Harold Pollack
Wild market no threat to your income, spending
/conga/frontpage.html 353762

Markets »

141.44MDow Volume:
Avg Vol: 109.98M
Unchanged
217
Decliners
3378
Advancers
3004
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,528 -115 0.69%
Nasdaq
/quotes/zigman/12633936/realtime 4,777 -52 1.07%
S&P 500
/quotes/zigman/3870025/realtime 1,972 -17 0.84%
GlobalDow
/quotes/zigman/629063/realtime 2,355 0 0.01%
Gold
/quotes/zigman/662444/delayed 1,141 +9 0.77%
Oil
/quotes/zigman/2331095/delayed 47.69 -1.51 3.07%
FTSE 100
/quotes/zigman/3173262/delayed 6,248 +56 0.90%
DAX
/quotes/zigman/2380246/delayed 10,259 -39 0.38%
CAC 40
/quotes/zigman/3173214/delayed 4,653 -22 0.47%
FTSE MIB
/quotes/zigman/1482176/delayed 21,942 -52 0.24%
IBEX 35
/quotes/zigman/2759620/delayed 10,259 -94 0.91%
Stoxx 600
/quotes/zigman/2380150/delayed 363 0 0.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,754 -30 1.08%
Nikkei 225
/quotes/zigman/5986735/delayed 18,440 -450 2.38%
Hang Seng
/quotes/zigman/2622475/delayed 21,573 -97 0.45%
Shanghai
/quotes/zigman/1859015/delayed 3,172 -34 1.06%
Sensex
/quotes/zigman/1652085/delayed 26,283 -109 0.41%
Singapore
/quotes/zigman/1709939/delayed 2,910 -12 0.40%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.01 0.52%
Yen
/quotes/zigman/16008150/realtime/sampled 120.80 -0.42 0.35%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.01 0.33%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.34%
DXY Index
/quotes/zigman/1652083/delayed 95.57 -0.36 0.37%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.15 -0.29 0.33%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.19 -0.02 1.08%
German 10y
/quotes/zigman/15866409/realtime 0.73 -0.01 1.33%
Italy 10yr
/quotes/zigman/15866497/realtime 1.92 +0.01 0.45%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 0.00 0.19%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 -0.02 0.96%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.00 1.05%
Crude Oil
/quotes/zigman/2331095/delayed 48 -2 3.07%
Gold
/quotes/zigman/662444/delayed 1,141 +9 0.77%
Corn
/quotes/zigman/7599553/delayed 374 -2 0.47%
DJIA F
/quotes/zigman/38649152/delayed 16,254 -254 1.54%
S&P F
/quotes/zigman/30356461/delayed 1,936 -34 1.71%
Silver
/quotes/zigman/3134148/delayed 15 +0 0.34%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.43 -1.58 -1.74%
AAPL /quotes/zigman/68270/composite 112.76 -0.53 -0.47%
GOOG /quotes/zigman/30194416/composite 618.25 -12.13 -1.92%
BAC /quotes/zigman/190927/composite 16.34 -0.02 -0.12%
C /quotes/zigman/5065548/composite 53.48 0.20 0.38%
F /quotes/zigman/264304/composite 13.87 0.13 0.95%
T /quotes/zigman/398198/composite 33.20 -0.09 -0.27%
BP /quotes/zigman/247026/composite 33.54 0.28 0.84%
GE /quotes/zigman/227468/composite 24.82 -0.34 -1.35%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/12221594/composite AMBA-0.71%
  • /quotes/zigman/83890/composite MDCO+21.88%
  • /quotes/zigman/413712/composite USO+6.79%
  • /quotes/zigman/242119/composite STJ-2.49%
  • /quotes/zigman/282674/composite FTI+1.46%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration

Email address

Password

Forgot password?

SmartMoney Blogs

Pay Dirt
A daily look at what we buy, how we spend, and the companies that do right - and wrong - by their customers.

Birth Control Without A Co-Pay Still Isn’t Free

iStockphoto

Starting next year, many health insurance plans will be required as part of the federal health-care law to cover contraceptive services without charging patients a co-payment. But that doesn’t mean they’re free.

The Obama administration announced Monday that Food and Drug Administration-approved contraceptives — including birth control bills, intrauterine contraceptive devices (a.k.a. ICDs or IUDs) and sterilization — classify as preventative services under the law. The requirement also covers HIV screening, breastfeeding pumps and some wellness care visits for women, among other services.

For women on the Pill, savings could be substantial. For oral contraceptives, out-of-pocket costs range from $14 to $26 per pack, according to a study in the June 2011 issue of medical journal Contraception. The study, which tracked expenditures between 1996 and 2006, found that women’s out-of-pocket expenses for oral contraceptives amounted to 58% of the drugs’ cost, compared with an average 30% of those for other monthly medications.

The new rules require the insurance plans to pay the full freight for the pills– and while that means lower out-of-pocket costs for women who take the pill (or avail themselves of other covered services), insurance plans are likely to make up for this extra expense elsewhere. Insurers can still charge extra fees for purchasing branded contraceptives over generic versions, and may also hike premiums. “Health insurance premiums are based on the cost of actually providing care, so if you add additional benefits — whatever they might be — and people utilize them, then the premiums will eventually reflect that additional cost,” says Jessica Waltman, senior vice president of government affairs for the National Association of Health Underwriters. The degree to which consumers will see their bill rise will vary widely by plan. People in employer-sponsored plans where companies pass on only part of the costs may see less of an impact, as will those in plans that already voluntarily cover many of the soon-to-be-required services.

The Department of Health and Human Services has said it expects premium increases to be minimal, but did not provide an estimate. “Our committee did not look at costs when we made our recommendations,” says Alina Salganicoff, vice president and director of Women’s Health Policy at the Henry J. Kaiser Family Foundation, who served as a member of the Institute of Medicine recommendation panel behind the new requirements. “It’s an investment in your health, which in the long run can cut costs.”

Not all plans – and therefore, not all consumers – are covered by the government legislation. Medicare or Medicaid are exempt, and the government also included an exemption for religious organizations providing health insurance to employees. Excluded consumers can still look to free and low-cost services from family planning clinics and state-funded family planning programs, says Salganicoff.

Even people who will benefit are still on the hook for out-of-pocket costs for a few more years. The requirements take effect for new insurance plans issued on or after August 1, 2012, and given the way health plans calculate their calendars, Waltman says, most women won’t actually avoid those co-pays until January or July of 2013.

Or later. Health plans that took effect before President Obama signed the healthcare law on March 23, 2010 and haven’t changed significantly since are exempt from the new rules under a grandfather clause. It’s tough for companies to maintain that status, but those in grandfathered plans could be in limbo a few years longer, she says. (Employers are required to notify employees if their plan has this kind of status.) Until your plan turns over, current terms are still in effect, including co-pays and any un-covered portion of the bill.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (5 of 16)

View all Comments »
    • Royaa Joonam bazi zayemaneshon klehii asune. hala tu filma hey neshon mide jigh vigh mikonan chon hayajan angiz tare. vali man shandidam az bazi az dustam ke khodaish unghada ham bad nist. epidoral ham ke bazi ke dige hichi, rast rast miri tu rast rast ba shikame khali miad birun. :*

    • I don’t even know the way I stopped up right here, but I thhogut this post was good. I do not realize who you are however definitely you are going to a well-known blogger should you aren’t already. Cheers!

    • Another way of looking at 11% asnuesd returns this assumption would make any investment analysis nearly unbeatable in the long term. It just overwhelms all the other numbers in the analysis. The good thing is that anyone can input their own assumptions and look at the result, But the 11% would have to be a stated KEY assumption if the net result of the analysis was published.The only thing that seems like a fixed, good assumption in this could is that tuition at our public universities will rise an average of 7% annually in the long run. Rate this comment: 0 0

    • Where did you read that insurance companies will still be able to charge fees for branded oral contraceptives? Managed care wrote a letter to HHS asking them this question on Sept. 29th.

    • “checked by 2050 we’ll be somewhere in the neighborhood of 2 workers for every one retired…”

      #1 real reason for this? Their won’t be the Average Jobs for more.. Thanks to the Computer age!
      -1 Teacher will be able to teach Thousands via Video TV’s in classes all over the country..
      -50% less working Factories
      -No more Mail Main Needed
      - And the list goes on..

      We just need to Invest Our $ ( SS) into America’s Resources..Commodities ,Corporations, etc.. Not into just Treasuries..

      We Did with our Pension Plan at our Business.. Matched what SS $ over the yrs and We have Twice as Much in our Pension than SS can pay ..
      And Nobody Borrowed It along the way either..

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

Tokyo Markets Close in:

At Arctic conference in Alaska, Obama calls for U.S. leadership on climate
  Reuters
Mount McKinley in Alaska is renamed Denali
Which U.S. president has the tallest mountain?

3 major hurricanes over Pacific for first time ever
 NASA
Hurricane Katrina: New Orleans 10 years later
Atlantic hurricanes lose sway over oil and gas

State Department releases more Clinton emails
U.S. Democratic presidential candidate Hillary Clinton speaks during an event at the New York University Leonard N. Stern School of Business in New York July 24, 2015.  Reuters
Clinton says she supports ‘revolving door’ bill
Biden a tougher matchup than Clinton: poll

Wes Craven’s 5 highest grossing films
Wes Craven’s 5 highest grossing films  Everett Collection

Beijing bumbling is now China’s biggest problem
Paramilitary police officers stand in a line next to passengers as they stand guard at a bus station on Chang'an Avenue near Tiananmen Square, ahead of the APEC leaders summit in central Beijing, on Friday, November 7, 2014.   Reuters
Goldman cuts China economic growth targets
China ‘punishes’ nearly 200 over rumors
Chinese stocks cap a brutal August with loss

Apple, Cisco team to put business users on iOS
Apple Inc.'s iPad Mini is held for a photograph during an Apple launch event in San Jose, California, U.S., on Tuesday, Oct. 23, 2012. Apple Inc. introduced a smaller version of the iPad designed to keep customers from buying low-cost tablets from competitors Microsoft Corp., Amazon.com Inc. and Google Inc. Photographer: Noah Berger/BloombergA iPad mini is pictured during an Apple Inc. launch event on Tuesday, Oct. 23, 2012, in San Jose, California, U.S.Photographer: Noah Berger/Bloomberg News.  Bloomberg
Apple TV could soon be twice as expensive
Lost Apple deal leads to 40% job cut at GT
What to expect at Apple event in September

His brother wants a loan from their late dad repaid
 Terrence Horan/MarketWatch

Here’s why Elon Musk   fears the ‘robocalypse’
Here’s why Elon Musk fears the ‘robocalypse’ Elon Musk
Google’s ‘terrifying’ takes to the wild
A tour of the world’s first robot-staffed hotel

Jobs report could stop rate hike — but not ensure one
Jobs report could prevent rate hike — but unlikely to ensure one
After Jackson Hole, no clear path for the Fed
Where every Fed member stands on rates
Fischer: Fed watching China more closely

Is this all the investing advice you’ll ever need?
Is this all the investing advice you’ll ever need? Harold Pollack
Wild market no threat to your income, spending
/conga/frontpage.html 353762

Markets »

141.44MDow Volume:
Avg Vol: 109.98M
Unchanged
217
Decliners
3378
Advancers
3004
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,528 -115 0.69%
Nasdaq
/quotes/zigman/12633936/realtime 4,777 -52 1.07%
S&P 500
/quotes/zigman/3870025/realtime 1,972 -17 0.84%
GlobalDow
/quotes/zigman/629063/realtime 2,355 0 0.01%
Gold
/quotes/zigman/662444/delayed 1,141 +9 0.77%
Oil
/quotes/zigman/2331095/delayed 47.69 -1.51 3.07%
FTSE 100
/quotes/zigman/3173262/delayed 6,248 +56 0.90%
DAX
/quotes/zigman/2380246/delayed 10,259 -39 0.38%
CAC 40
/quotes/zigman/3173214/delayed 4,653 -22 0.47%
FTSE MIB
/quotes/zigman/1482176/delayed 21,942 -52 0.24%
IBEX 35
/quotes/zigman/2759620/delayed 10,259 -94 0.91%
Stoxx 600
/quotes/zigman/2380150/delayed 363 0 0.13%
Asia Dow
/quotes/zigman/6959860/realtime 2,755 -29 1.06%
Nikkei 225
/quotes/zigman/5986735/delayed 18,440 -450 2.38%
Hang Seng
/quotes/zigman/2622475/delayed 21,574 -96 0.45%
Shanghai
/quotes/zigman/1859015/delayed 3,172 -34 1.06%
Sensex
/quotes/zigman/1652085/delayed 26,283 -109 0.41%
Singapore
/quotes/zigman/1709939/delayed 2,910 -12 0.41%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.01 0.52%
Yen
/quotes/zigman/16008150/realtime/sampled 120.80 -0.43 0.35%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 +0.01 0.33%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.35%
DXY Index
/quotes/zigman/1652083/delayed 95.56 -0.36 0.38%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.15 -0.29 0.33%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.19 -0.02 1.08%
German 10y
/quotes/zigman/15866409/realtime 0.73 -0.01 1.33%
Italy 10yr
/quotes/zigman/15866497/realtime 1.92 +0.01 0.45%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 0.00 0.19%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.85 -0.02 0.96%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.00 1.05%
Crude Oil
/quotes/zigman/2331095/delayed 48 -2 3.07%
Gold
/quotes/zigman/662444/delayed 1,141 +9 0.77%
Corn
/quotes/zigman/7599553/delayed 374 -2 0.47%
DJIA F
/quotes/zigman/38649152/delayed 16,254 -254 1.54%
S&P F
/quotes/zigman/30356461/delayed 1,936 -34 1.71%
Silver
/quotes/zigman/3134148/delayed 15 +0 0.34%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.43 -1.58 -1.74%
AAPL /quotes/zigman/68270/composite 112.76 -0.53 -0.47%
GOOG /quotes/zigman/30194416/composite 618.25 -12.13 -1.92%
BAC /quotes/zigman/190927/composite 16.34 -0.02 -0.12%
C /quotes/zigman/5065548/composite 53.48 0.20 0.38%
F /quotes/zigman/264304/composite 13.87 0.13 0.95%
T /quotes/zigman/398198/composite 33.20 -0.09 -0.27%
BP /quotes/zigman/247026/composite 33.54 0.28 0.84%
GE /quotes/zigman/227468/composite 24.82 -0.34 -1.35%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/12221594/composite AMBA-0.71%
  • /quotes/zigman/83890/composite MDCO+21.88%
  • /quotes/zigman/413712/composite USO+6.79%
  • /quotes/zigman/242119/composite STJ-2.49%
  • /quotes/zigman/282674/composite FTI+1.46%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration

Email address

Password

Forgot password?