General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsWhat 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.
PoliticAverse
(26,366 posts)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)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)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.
smilodon populator
(59 posts)K & R
0rganism
(23,937 posts)will we start seeing the development of "supplementary" insurance plans that only cover birth control?
smilodon populator
(59 posts)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)and somehow, i think that'd be just fine by damn near everyone in the federal gov't.
Wounded Bear
(58,637 posts)It's what they do.
MohRokTah
(15,429 posts)OOPS!
Rhiannon12866
(205,161 posts)former9thward
(31,973 posts)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.
smilodon populator
(59 posts)kick