2. Bans insurance companies from requiring women to obtain a pre-authorization or referral for access to ob-gyn care3. Improves the care of millions of older women with chronic conditions4. For women in new private plans, provides free coverage of mammograms and colonoscopies, one or more of which 20 million women have already received5. Beginning this summer, provides that free coverage will also include additional, comprehensive women's preventive services, including contraception in new plans6. Bans insurance companies from denying coverage for "pre-existing conditions," beginning in 2014. Currently, many women are denied coverage or charged more for such "pre-existing conditions" as breast or cervical cancer, pregnancy, having had a C-section, or having been a victim of domestic violence7. Ends the common practice of "gender rating," charging women substantially higher premiums than men for the same coverage, beginning in 20148. Provides greater access to affordable health coverage for women, with the establishment of new health Insurance Exchanges for the millions who do not have health insurance through an employer, beginning in 2014. Currently, less than half of America's women can obtain affordable insurance through a job