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Birth Control and Health Insurance - Why it Won't Pay
May 8, 2011
Why are insurance policies pay for men to buy Viagra, but will not pay for birth control for women?
This is a very common issue that affects what seems to sexual discrimination by health insurers.
It helps to understand that not all politicians follow the same rules. Mainly, this issue kind of coverage you have.
Group health insurance plans, kind of business purchases as a benefit for employees is likely to pay for birth control. Individual plans that people buy directly from an insurance company, are not.
The group plans to cover maternity leave, thus preventing pregnancy is useful in accordance costs.
Individual plans only offer maternity coverage if you choose the maternity rider and pay extra. If you do not pay an additional premium, the shipping cost will be paid by the insurance company anyway, so they do not save money to pay for birth control.
In addition, individual health plans are guaranteed, which means that not all applicants are accepted and prices for those who are accepted varies from one person to another.
Prices for the guaranteed policies suffer from the applicant's status with regard to such factors as age, weight and whether the applicant is taking medication. The insurance company charges more people who take drugs, because the cost of medical expenses, that person is likely to be higher than for those not taking medication.
Thus, even if an individual plan did cover the pill, the insurer will probably end up paying more than the pills are worth.
It is also true that insurance companies will often pay only for services that are "medically necessary." While some may argue that Viagra or Cialis from the medical point of view is necessary, erectile dysfunction, by definition, a condition in which the normal biological function is not working properly. Ovulation, on the other hand, it is quite natural. No dysfunction at all.
Thus, while sex discrimination is still all too common in the world, this is not the real reason for this apparent injustice in health insurance.
Keywords: viagra birth control pills pay cover health insurance policy policies erectile dysfunction
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