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Insurance Coverage Of Contraceptives Essay

1923 words - 8 pages

The refusal of some health insurers to include contraceptives as a part of an insurance plan for women is one of the most contentious disagreements in the health insurance industry. Insurance plans today cover a variety of prescription drugs, however some still do not approve of prescription contraceptive drugs and devices. More than half of U.S. states insurance policies require that other prescription drugs along with the FDA approved contraceptive drugs and devices be included on their health care plans, as well as any related medical services. These services entitle, annual visits for womens recommended preventive care and services. Although depending on individual state policies, some states allow employers or insurers to refuse coverage of contraceptives based on religious or moral grounds.
Other opponents of birth control simply do not think it is worth the rise in premiums if insurers covered all common forms of contraceptives. However, a new law now requires insurance companies to offer contraceptives with no co-payments or deductibles, as a part of the Affordable Care Act. Access to inexpensive birth control affects women and their families in ways that many people don’t realize. Women should be able to control when they get pregnant because it allows them to go to school and have careers.
Unfortunately, research has shown that young women between the ages of 18 - 34 are also the ones whom are least able to afford contraception. It is just not true that birth control is cheap for everyone. Many women have medical needs that require them to use more expensive contraceptives. As a consequence, the government is defunding clinics that would otherwise help provide affordable birth control. What’s more disturbing is that Viagra and low testosterone are covered undermost insurance companies.
Women’s medical reasons for contraceptives are equally as important as men’s medications for their hormone dysfunctions. Adolescent girls and women are commonly prescribed birth control pills for irregular or absent menstrual periods, PMS, acne, polycystic ovary syndrome (POS), endometriosis, amenorrhea and anemia.
These medical necessities aside, women should not only have the right to decide when they can get pregnant, but they should have the ability to do so. The decision shouldn’t be left up to politicians and prelates. This choice should be a necessary right in these progressive times. Recently the Affordable Care Act has been under attack by certain groups of people who feel that contraception is not the responsibility of government insurance providers.
Originally, the major dispute over President Obama’s proposal focused on the coverage of contraception and its “pressure” on religious practices. Some statistics brought to light by the Guttamacher Institute state “that 98% of sexually active Catholic women have used birth control.” Yet, after this was justified opposers of Obamacare then tried to segue into the argument from religion to money....

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