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What reputable health insurance companies are out there?

What is the reasoning behind health insurance companies?

  • what is the reasoning behind health insurance companies not wanting to cover the cost of birth control pills .but would pay for pregnancy Dr appointments, delivery, hospital stay and health care for a baby until 21 it does not make sense to me and I'm sure others agree with me

  • Answer:

    I just answered a similar question to this one. So, I will just basically copy+paste the answer I just gave. I hope it helps you. I have worked in the health insurance industry for over 20 years. You will find this with many group insurance plans. Group health plans are basically written by the group (or corporation) and implemented by the insurance company. This means that the company you work for can make Viagra or birth control a benefit or not. The exception to this rule is if you live in a state that mandates this drug (or medical service) has to be a benefit. This mandate will override an insurance company policy. There are some corporations that play the sexist game of allowing Viagra but disallowing birth control pills. Many people don't know it but Erectile Dysfunction medication is covered by some Medicare Advantage plans. Meaning grandpa Eddie can still get his groove on. I will add that most individual (non-group) health insurance plans do not cover birth control.

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Actually, I am normally a supporter of the companies, but in this case...I agree with you. Not only does it not make sense, but you would think that by offering these pills, they would be reducing their own costs in the long run. Pregnancies are VERY expensive. The delivery ALONE of my son was over $25,000.

Ryan M

The philsophy of insurance coverage has always been "medical necessity." The case can be made that birth control is not a medical necessity. The fact that insurance doesn't pay for the pills does not prevent you from buying them.

Woof

Because when the policy was first purchased, whoever decided which coverages they wanted to have, decided NOT to include birth control pills. Keep in mind, BCP is a PRESCRIPTION. So IF it was covered, it would be under PRESCRIPTION benefits. All of the other things you reference, are NOT prescription services. So, maybe you didn't buy prescription drug benefits!

mbrcatz

Insurance companies DO offer coverage for birth control pills. It is the customer who makes the choice whether to purchase the coverage or not.

Tom Z

If a baby is born, then they get to charge more money (because the price of health insurance for both the baby and the parents is more than the price of insurance for just the parents).

StephenWeinstein

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