what you think of that, judy waxman guest: -- judy waxman?uest: if the problem is caught early, it would be less expensive. i guess if the person is not treated at all they will die, and that is cheaper in an ironic way, but that is not the goal for all of us. on the contraceptive issue, it is very clear that that service in particular clearly saves money because healthy babies are born. host: judy waxman is vice president of health and reproductive rights at the national women's law center. we are talking about a package of women's preventive services that are part of the affordable care act and go into effect today. debbie is a republican in houston, texas. caller: good morning. i do not understand how you could give or make it mandatory for insurance companies to give these preventive services for free without even a co-pay and expect the insurance companies to pave the -- paid the providers and laboratories for these tests, and not expect insurance premiums to go up. i'm 58 years old. that means i have to pay for all of these young girls.

coming up this hour, we'll talk to michael warren of the weekly standard about the election and judy waxman of the national women's law center to discuss some of w

judy waxman is with the national women's law center and sally pipes is president and ceo for pacific tute. nice to have you both with us today. >> thank you. >> nice to be here. jenna: judy, you worked on this law, you gave some input into it. just tell us how this is actually applied. today if someone wants to go to their doctor and wants to get birth control, for example, do they just automatically get it for free? >> no. first of all, none of it is for free. the new services for women that plans will have to cover will be rolled out. so starting today as the health insurance from your company renews or becomes a new plan, at that point then you will be able to obtain preventive health services, eight new services without an extra co-pay. meaning that you don't have to pay extra the day you receive the service. jenna: so your insurance company pays for it still, that's why it's not free, but you just don't have to offer the additional co-pay, do i have that right? >> that is correct. jenna: okay, i just wanted to make sure. sally, what do you see the effect of this being? >> i think