Posts Tagged - ‘birth control’

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Will Health Insurance Plans Be Required To Cover Contraception?

Monday, July 5th, 2010

Many believe that healthcare reform will result in health insurers providing full coverage of contraception. This is because the law requires plans to cover “essential preventative care services” at no cost to the patient. That means no co-payments or co-insurance percentages!

For several reasons, the idea of full coverage for birth control is controversial. Social conservatives are leery of appearing to endorse premarital sexual activity (although married couples use contraception as well). For their part, many employer-based health insurance plans are dreading yet another mandate that increases their costs. However, that cost is far less than what they will otherwise have to pay in maternity cost.

The Health Resources and Services Administration will make the decision.

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Should Health Insurance Plans Fully Cover Contraception?

Wednesday, June 9th, 2010

Image: manymeez under CC 3.0

For the most part, health insurance plans do cover contraception, such as birth control pills. However, they are usually subject to co-payments like other medications. In some cases, they are put on a higher, less-essential tier: meaning that the insurer picks up a higher percentage of the cost–for example, a woman may have to pay $25 or $30 to fill the prescription instead of $5 or $10 that she’d be charged for other medications. For people with health savings accounts or other high-deductible plans, the full cost often rests on their shoulders.

Now, doctors and activists are calling for birth control to be fully covered as part of health care plans. After all, paying for those prescriptions is far less expensive than providing prenatal care (which is often sought later when unplanned), and less controversial than abortion. Some believe that the health insurance reform legislation can be interpreted as mandating such coverage by the Department of Health and Human Services, due to an added amendment to the healthcare reform bill.

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Miss USA Rima Fakih Thinks Health Insurers Should Subsidize Birth Control

Tuesday, May 18th, 2010

Image: StyleLine Magazine

Beauty pageants and health insurance coverage don’t seem to have much to do with each other. However, the two intersected during Donald Trump’s Miss USA pageant this weekend.

Rima Fakih is the first Arab-American Muslim to win the pageant. Miss Michigan is also a supporter of affordable health insurance coverage for contraception. She believes that birth control pills should be treated like any other medication. In fact, they are so expensive to many (partly due to the gynecologist or other doctor visit required to get a prescription) that they should largely be subsidized.

The majority of health insurance plans with prescription drug coverage require the same co-payment for birth control that they do for any other medication. It remains to be seen if the pill will be included in the minimum standards for coverage to be outlined in regulations requested by the healthcare reform bill.

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