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Fawke Em

(11,366 posts)
Mon Jun 30, 2014, 12:32 PM Jun 2014

What if there are no health plans that DON'T include birth control?

Seems to me that most health insurance companies are in the business of making and/or saving money.

Doesn't it stand to reason that most insurance companies would rather pay for a variety of birth control options that are much cheaper in the long run than unitended pregnancies? Isn't it cheaper than paying for the surgeries that might be needed if a woman can't control endometriosis or other maladies that are cured or helped by "The Pill?"

Health insurance isn't a la carte now. Your employer must choose from a few packaged options based on company size and what he/she is willing to pay or thinks their employees should pay.

With that in mind, how long will it be before most health insurance companies simply won't offer any employee health plans that DON'T include birth control? After all, all those unwanted pregnancies and preventable surgeries would hurt their bottom line.

The irony here, of course, is that much larger corporations, like most health insurance companies, will be forcing the smaller "close-held private corporations" to do what THEY don't want to do.

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What if there are no health plans that DON'T include birth control? (Original Post) Fawke Em Jun 2014 OP
Health Insurance companies have been around for a long time. If your argument were true PoliticAverse Jun 2014 #1
I'm thinking that the ACA will still force it Fawke Em Jun 2014 #2
I am Sure That Insurance Companies Will Offer No-Birth-Control Plans On the Road Jun 2014 #3
K & R smilodon populator Jun 2014 #4
i'm sort of wondering the inverse 0rganism Jun 2014 #5
How about this? smilodon populator Jun 2014 #7
could be a growth opportunity for the insurance industry 0rganism Jun 2014 #10
RW assholes will find other reasons to whine... Wounded Bear Jun 2014 #6
Insurance Companies will have to jack up the rates to create non-standard policies. MohRokTah Jun 2014 #8
K&R! Very good point... Rhiannon12866 Jun 2014 #9
Most large companies are self insured. former9thward Jun 2014 #11
. smilodon populator Jun 2014 #12

PoliticAverse

(26,366 posts)
1. Health Insurance companies have been around for a long time. If your argument were true
Mon Jun 30, 2014, 12:39 PM
Jun 2014

then shouldn't they have been offering such coverage already?

Note that the ACA required plans to cover "contraceptive methods and counseling for all women, as prescribed by a health care provider."

See: https://www.healthcare.gov/what-are-my-birth-control-benefits/

Fawke Em

(11,366 posts)
2. I'm thinking that the ACA will still force it
Mon Jun 30, 2014, 12:55 PM
Jun 2014

since it adds more people onto the system.

In the past, health insurance was limited to those who were provided it via their employer and those who could afford it on their own. Now, many more people - especially women, despite their means or their employer, are being added onto the system, which is forcing a shift in how health insurance companies offer plans.

You start adding millions of women onto the system and the actuaries are going to start noticing that those companies who opt out of providing contraceptive care are costing more in unintended pregnancies and/or preventable surgeries. It's the job of the actuary to alert the insurance company of these potential savings and recommend changes.

(If anyone knows how many more women have already been added to the health insurance doles as a result of the ACA, I'd like to know. I tried Googling it and came up with a lot of info involving the race of those who have been added, but not the gender).

On the Road

(20,783 posts)
3. I am Sure That Insurance Companies Will Offer No-Birth-Control Plans
Mon Jun 30, 2014, 12:56 PM
Jun 2014

if there is a demand for them among employers.

However, as you point out, birth control often has an overall net savings. So the employers may not realize the plans as cheap as they hoped. That may not matter to Hobby Lobby, but it will to other businesses whose only interest would be saving money.

0rganism

(23,937 posts)
5. i'm sort of wondering the inverse
Mon Jun 30, 2014, 07:10 PM
Jun 2014

will we start seeing the development of "supplementary" insurance plans that only cover birth control?

7. How about this?
Mon Jun 30, 2014, 07:30 PM
Jun 2014

Insurance Co. A, which serves Hobby Lobby and does not cover contraception (and charges extra for the service - or lack of it) contacts Insurance Co. B and provides them with a list of Hobby Lobby subscribers. Co. B approaches the HL employees and offers contraceptive - or even abortion - coverage for a nominal fee. Co. A continues to collect the surcharge but reduces its pregnancy/childbirth claims. Perhaps Co. A finds a way to return the favor to Co. B

0rganism

(23,937 posts)
10. could be a growth opportunity for the insurance industry
Mon Jun 30, 2014, 08:33 PM
Jun 2014

and somehow, i think that'd be just fine by damn near everyone in the federal gov't.

former9thward

(31,973 posts)
11. Most large companies are self insured.
Mon Jun 30, 2014, 08:39 PM
Jun 2014

The company determines what health benefits they wish to offer and the health insurance company administers the plan. "Health insurance plans" are mainly offered to small companies.

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