The Woes of Birth Control

Health care for all protest outside health ins...
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It’s understandable that health insurance companies elect to pay for Viagra for men, as a lack of Viagra can be quite distressing for those particular men who need the . . . er, assistance. However, for health insurance companies to willingly pay for Viagra, a recreational drug, and then deny drugs that are much more necessary for women, seems sexist. Taking birth control, for some women, is a matter of sexual health, whereas for others it is merely a tool in the process of having safe sex. Birth control can be used for medical reasons that are much more serious and necessary than Viagra, yet, even in these cases, insurance will not cover the cost of the medication.

For women with cystic, or poly cystic ovaries, birth control is not just a matter of sexual health, but a matter of overall well being. If a woman needs birth control in order to be reproductive, in order to keep herself fertile, then her insurance company should pay for these cheap pills, rather than forcing her down a road that ends with $15,000 sperm injections in the vain hopes of having babies from an infertile womb. The average birth control costs $420 per year. If a health insurance company pays for birth control for the average duration of medication for an average female in the United States, it would equal $10,080 (based upon the typical 24 years of use). Even women who hit menopause late in life would be less expensive to insure via birth control, rather than invitro fertilization, and that’s assuming that a woman would only require one attempt (typically, three attempts are required to induce pregnancy).

The dollars and cents don’t add up in the case of potentially infertile women as a result of no birth control. Though Planned Parenthood offers birth control to poor women at reduced rates, there is still no recourse for women who resent their placement, firmly beneath Viagra users on the totem of importance.

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Getting Rates for Health and Car Insurance

Just like planning out when to become parents, everyone must decide when and how they will get insurance. Insurance is a strange modern obligation. Often times, it seems like people have to get insurance due to the mistakes of others. It’s not always a nice obligation, but the difference between having insurance and not having insurance can mean the difference between a short stay in the hospital (without second thought) and years spent paying off ridiculously high medical bills for overpriced expenses. No matter how absurd the prices for health care and doctor visits seem, they are as they are, and without insurance we would be paying a lot more than we need to.

Medical insurance has developed differently in different countries, and whether Americans like it or not, paying insurance rates is a fact of life. You can’t drive without car insurance, you can’t own a home without homeowner’s insurance, you can’t work certain types of jobs without life insurance—so why go through life without health insurance?

The short answer is that it’s expensive. Some people manage to get jobs that offer insurance benefits, in which case getting insurance is a no brainer. But for others, with other expenses stacked so high, health insurance is usually sidled for other needs like rent, utilities, and other payments.

However, if you are able to get new quotes and estimates for insurance costs, you may bring your other expenditures down and free up money to be used in other ways—such as covering yourself with a health insurance plan. It doesn’t have to be anything big or grandiose as long as it suits your basic health and medical needs. You may come down with a case of bronchitis and need some antibiotics. You may just need a routine check up. By browsing for reasonable rates from other providers, you can have all your bases covered.

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