Things You Need to Know About Birth Control and Health Insurance

A very common question that is asked among individuals is the reason why insurers pay for men to have Viagra and do not pay for women to have birth control pills? People now feel the insurance companies are having what is called sexual discrimination on their part. It also shows that policies depend on the type you have because not all of the follow the same rules.

Plans like the group health insurance plan will benefit from paying for birth control for their female staffs because the coverage includes maternity so preventing pregnancy would cut down the price. But a plan bought directly from an insurance company by an individual is known as individual health plan and the plan does not pay for women birth control.

In the individual health plan, paying extra premium and choosing the maternity rider qualifies you for maternity coverage. They do not save from birth control because the extra premium paid is used for the delivery expenses but if it is not paid, they are not responsible for the payment. Not every one who applies for coverage in the individual health plan gets it. This is because they choose their customers and each one pays differently from the next.

The cost of insurance varies according to personalities. The Causes of these variations are the age, weight and the medical statue of the applicant. People who are on medication are charged higher than those who do not take medication this is because the insurer will be responsible for the payment of this medication thereby increasing the cost of the coverage. This gives one of the reasons why individual health insurance does not pay for birth control, it only increases the expenses.

People think there is discrimination in the insurance company because they pay for Viagra for men and deny women the right to have birth control through them. But looking from a medical view, the insurers are right because Viagra is for the treatment of erectile dysfunction in men while ovulation in women is very natural and not a dysfunction in the female organ. This shows that gender discrimination is not the reason for not paying for birth control for women.

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