If a woman gets put on birth control, it doesn't necessarily mean that she's on it just to prevent pregnancy. She may be on it because of her menstrual cycle. If a woman has a very long, painful, heavy period, and goes to her doctor about it, they may prescribe her birth control, if she can't afford it, she's going to be stuck with a horrible menstrual cycle. Health insurance should cover it, because maybe that woman can't afford it, but really needs it, not just to prevent pregnancy's but for their menstrual cycles. Do you really think denying someone the right to not be in pain is fair? I don't.
Health insurance already covers birth control for men such as vasectomies and other things of the like. However, when a woman wants to get her tubes tied, insurance companies will refuse to cover it. In my opinion this debate is simply an argument of equal treatment of the sexes and discrimination rather than simply insurance issues.
17% of the country live under the poverty line, and this is a growing trend. We have seen a great majority of the working class slip, and the average worker makes $11.70 an hour, while the CEO of Goldman Sachs, a company bailed out with the help of the government, makes $1,322 and a tenth more an hour (40 hour weeks presumed). The minimum wage either has to be raised to $11.35, or we may end up as a welfare state. Either we will have to give food stamps or ask Wendy's to pay its workers a wage where at the end of the day they can afford a burger they just flipped. To if birth control should be covered by health insurance, yes, for the same reason pain medications are covered, they are a preventative initiative. If a man doesn't get his medications he may end up in the emergency room. This is at the cost of the insurance company, so they see it as their issue, so they add medications into the health insurance. Now the birth control may protect the woman from an unwanted pregnancy, which may cost her up to a million dollars over the course of the child's life, but the insurance company doesn't see an issue because they're not stuck with the tab, and contraceptives are just sticking them with a small inconvenience to their great profits. This is exactly why governments should step in to protect people from corporate greed.
If health insurance is not covering birth control then we may face more "babies having babies." The economy may pay heavily for this, less adults paying for more childern. Birth control is also used a a hormonal aid. without this aid women and teens both may face severely uncomfortable symptoms. I think that the government should rather help pay for more control than a baby boom since the cost is less than a hundred to over a thousand.
I am one in favor of reducing our poplution by half or more, should be required for girls entering reproduction stages. There are way to many kids and teens pregnant this day and age. We don't have the resources today to support a growing poplution. Look at us now, 1 in 20 is unemployed. People losing homes right and left. It is medically required sometimes. I am sterile but still getting on birth contol to help with my cycles a bit. What is stupid is the idiots saying people need self control. Self control and common sense is a rare thing to find. I mean look at the Duggars. So people think its ok for people to have 10+ children. Instead of having children can't people who want a lot of kids just adopt. I mean there are nillions of children in foster homes looking for a family. Why don't we help them? I am sick and tired of people saying "oh we have 8 kids" and I just say thank you for making our world a little bit more populated.
Currently health insurance companies are willing to cover erectile dysfunction medicine for men. It can be argued that erectile dysfunction medicine for men is not always taken for sexual reasons, it can be used for overall comfort. The same is true for birth control for women. Birth control not only prevents pregnancy but also regulates periods and reduces cramps. It is unfair that a medicine that aides in the comfort for men is covered by health insurance but for women it is not.
There is actually a great deal of sound scientific and medical research on the prevention and treatment of disease with various methods of birth control. The pill, in particular, reduces the risk of ovarian cancer by 40-80% depending on how many years it is used. it reduces the risk of endometrial cancer, prevents ovarian cysts, improves acnes, treats dysmenorrhea, menorrhagia and pelvic pain. Not to mention the social and economic well-being that comes from controlling fertility. Cost analysis studies show that when preventative services, like birth control, are available costs go down because more serious problems are prevented, including unwanted pregnancies.
Even if it is being used to prevent pregnancy, it should be covered to potentially reduce the amount of teen pregnancies! I think almost every woman or girl has a reason to be on birth control to preventing a pregnancy or regulating their cycle. Teens can be taught not to have sex, but if you really want them to be protected and not have an unplanned pregnancy, I think birth control is a great option! Insurance companies covering it will allow more to be on the pill and stop babies from having babies.
Birth control pills are not just about preventing pregnancy they also have a lot of medical issues they treat. You are an idiot if you think that not covering birth control will in any way save you money. Those people that can't afford to buy it, guess what they are the ones whose babies you will be supporting through WIC, Medicaid, and food stamps. This issue is not about religious freedom if it were then it would provide choices to the patient based on their freedom not to the employer. This issue is about money, like it always is. They are just coating it under religious freedom to bamboozle the public. How should your religious freedom be allowed to effect my life? It is the people who fall just above the income range to be able to get free or reduced cost services who will be effected the most. Those on the edge because there isn't support services for them. So lets make sure they have more children that they don;t want and can't afford.
You don't. So my health insurance that I'm paying for should cover my prescriptions. I'm not asking to borrow your health insurance. If I stop paying my medical insurance I can't use yours to get steroids or penicillin, so why are you saying that you would have to pay for one of my birth control packets. I pay my insurance just like you and I'm not telling you which prescriptions you can have. Maybe I think that you shouldn't be able to get penicillin for your UTI- if you would clean yourself better and more frequently you wouldn't need it. REALLY??? Or your asthma inhaler- if you would stop running around and going outside where there's allergens you wouldn't need it. Your argument is null and void since I pay my insurance, my copay, and my premiums.
When I decided that I wanted to be put on birth control so I wouldn't have to worry about becoming pregnant in college, I had to make an appointment with a doctor, have a pelvic, and then go to a pharmacy. Contraception is not hard to come by, you've got condoms, and spermicide, and caps, diaphragms, rings, and sponges. But the pill is an old favorite, you can take it every day with your multivitamin or your morning coffee. When I went to the pharmacy to get my prescription, it was $28 for a month's worth- almost a dollar a day, and that was with my insurance covering part of it!
As women are waiting longer and longer to get married and have children, it's no wonder they want to protect themselves. I went to college, not the alter, I want to be able to support my children before I have them. I am in love right now, it may last, it may not, but the point is, it is up to me to make sure I have my pill every day, that I continue to get the prescriptions and fill them. You pay your insurance so you can get Viagra, I pay mine so I can get birth control. As soon as Viagra is taken off the market except for those with heart problems, I don't think the pill should be taken off.
I don't want to rely on another person to provide for me and my children, and I'm tired of paying taxes that go to WIC, so I can pay for other people to have children. Abstinence is not going to work for everyone- so insurance should continue paying for my medication, my prescription, that I can't get without seeing a Medical Doctor. If I have to pay a copay for the doctor and pay my portion of the prescription, my insurance that I pay for should cover the rest.
One last thing- condoms are 82% effective when used properly, the pill is 91% effective.
Consider the following questions:
Do you have a vagina?
Do you have a uterus?
Do you have a set of ovaries?
Do you have a complex series of hormones that dictates the release of eggs?
Have you ever given birth from your vagina?
Have you ever experienced heavy blood loss during your period?
Have you ever experienced a period that lasts longer than one week?
Have you ever experienced a period that's lasted 2 weeks?
Have you ever experienced a period that comes every 2 and half to three weeks?
Have you ever experienced heavy cramping from your period?
Have you ever experienced bloating or fatigue from your period?
Have you ever experienced achyness, tenderness or weakness from your period?
Have you ever experienced dizziness or fainted during a period?
Have you ever experienced nausea to the point of vomiting from your period?
Have you ever experienced large hormone fluctuations from your period?
Have you ever experienced fluctuations that have caused your skin to develop moderate to severe acne and long-term scarring during your period?
Have you ever experienced mood swings from your period?
Have you ever experienced severe depression or otherwise irrational thoughts of suicide during your period?
Have you ever experienced chronic yeast infections from imbalanced hormone fluctuations?
Have you ever experienced chronic BV from imbalanced hormone fluctuations?
Have you ever experienced other vaginal infections from imbalanced hormone fluctuations?
If you answered no to all of the above and you have an opinion about women's birth control–don't.
Birth control helps my polycystic ovaries from developing more cysts and giving me a more normal cycle. It also lowers the risks of PCOS like ovarian cancer, insulin resistance, etc. It also stops me from becoming infertile at a young age. Its not just for unprotected sex! It also helps your quality of life if you have PCOS or other disorders having to do with the reproductive system.
The population of the United States is already to high, not to mention around the world. If the government will pay for birth control it will stop all these "16 and pregnant" shows because then the teenagers have better access to it. Yes we can say that they shouldn't have sex, but it wont stop them. Its better for them to be prepared to have sex than be unprepared for a child.
The US has some of the most unintended pregnancy rate amongst industrialized nations today.. Increasing access and decreasing cost of birth control would help to decrease the rate of unintentional pregnancies, and abortions. In addition, if health insurance companies cover birth control, it will raise the rate of women getting regular checkups, and decrease their rate of many cancers and other diseases.
Birth control is very helpful at these times because everything is going up in prices. Some families are not able to take care of another child and would have to put that child up for adoption or struggle with trying to pay for the needs of everyone. To keep this heartbreak from happening it is best to have birth control covered by health insurance to keep unwanted pregnancies from happening.
I think it should be covered. Not everyone wants kids at the time they have sex, even married couples. And I think one of the most sensible reasons it should be covered (which the other side has no argument for) is that it's a whole lot cheaper than pre-natal care and health insurance for a child for 18 years, not to mention if the child winds up in foster care because their parents can't take care of it. It's sad, but true. People are going to have sex whether you think it's ethical or not, so just suck it up and pay for preventative meds.
With what I pay for a family policy insurance should cover everything, it's insane I actually spend more for insurance the the cost of medical and I never meet my deductible. As someone with insurance the US needs some kind of new medical because we are all getting screwed by the insurance companies.
Birth control is not expensive any good insurance already covers it. And the reality is people are not going to stop having sex but it would be nice if they'd stop getting pregnant for a lack of birth control. And I agree with the no voter who thought condoms should be covered, they should because you should always use two forms.
Birth control is essential to help single people and couples choose what they want. Health insurance should cover birth control for all people, and young adults should have full access to all birth control options. This makes it possible for people to choose how many children they wish to have and choose when to have children.
People have an extremely adverse reaction to abortions, but if more people were able to completely prevent pregnancies in the first place, there would be far less of an outcry about abortions. People need to be able to take charge of their lives, and being able to have a baby when you want, and are ready to, is an important transition point that needs to be achieved. China has a limit on their population growth in law, but we have the chance to do something even better by educating our citizens and allowing them to control their birth cycles.
Birth control should be covered by health insurance, because there are many instances that people need it for medical reasons. There are also others who need to avoid getting pregnant for medical reasons, as well. Also, if it will not be covered by health insurance, then many people who could not afford it would get pregnant, and would cause an even worse problem.
A woman taking precautionary measures to prevent pregnancy should not be discouraged, but rather the opposite. Many women do not have the means to take care of a child. Even if their insurance may cover the costs of the pregnancy itself, they certainly do not contribute to the care of the child afterward. And I would also imagine that covering birth control costs would be far less expensive than covering all the hospital bills and doctor's visits while actually having a baby.
Whether or not someone believes in birth control, it should not preclude it from being covered by health insurance. Health insurance is able to better serve those who use it, meaning keeping its costs down, when it ends up spending less money on claims. I would think, though I'm no expert, that birth control is probably a lot less expensive to cover than pregnancy.
Any insurance company who doesn't see the financial gain in preventing unwanted pregnancies is foolish and short-sighted. The rate of surgical birth in this country is over 35%, and costs tens of thousands of dollars. Compared to the $30 monthly cost of birth control pills, it doesn't make sense to pay for the delivery, but not the pregnancy prevention. A woman could take birth control pills for 4 years for the same cost of one live birth that has no complications or surgery. And that doesn't count the prenatal care.
Given the costs of unwanted pregnancy and the psychological and economic benefits that accrue to facilitating personal control over reproduction, the wisdom of covering birth control through health insurance ought to be obvious. In fact, a contrary policy seems like an instance of sex discrimination. For one thing, erectile dysfunction medicines are routinely covered. More fundamentally, women, and only women, bear the physical, emotional, and financial costs of pregnancy, not to mention the act of giving birth. To deprive them of control over this basic life circumstance is to render them second-class citizens. This is not hyperbolic rhetoric. It's a description of what happens when you claim the right to be sexually active and cannot afford birth control. For those currently lacking financial wherewithal, lack of access to birth control only enmeshes them further in a state of helplessness, not to mention humiliation. It's a cruel, counterproductive policy targeting women.
Birth control is an important option for women who do not want a pregnancy. From a purely medical perspective a woman's body is changed immensely by pregnancy. Some women are not in a position health wise to sustain a healthy pregnancy but at some later time may be better able to do so. While birth control is a voluntary choice so are other medications such as Viagra which are covered by health insurance. It is ironic that the same people who don't want birth control covered don't think twice about helping a man create a baby or just plain have a good time.
In addition to the medical and ethical aspects of birth control there is a cost consideration. It costs an insurance company less to pay for nine months of birth control than it does to cover the medical costs associated with a normal, healthy pregnancy. Also consider that a family paying a premium for a family policy pays the same whether they have one child or ten. Limiting the number of children in a family is a substantial cost savings for the insurance company. The truth of the matter is that keeping health care costs lower for the insurance company benefits us all in the long run.
Nowadays, effective birth control pills and medical treatments are priced high. It will be appropriate to cover birth control under health insurance as it is also a type of medical treatment and useful for reducing population which is necessary for a nation's development. Prior authorization should be made necessary before the health insurance pays for any birth control methods.
Currently, many birth control options are not covered by health insurance making it too costly for some individuals to afford. All birth control options should be covered by health insurance as it is an effective way to lower costs for the insurance company and the individual by avoiding expensive pregnancies. Additionally, insurance companies should not be able to pick and choose what types of medications are covered and not covered. At least one medication for each type of condition or situation, such as blood pressure medicine as well as birth control, should be covered.
Birth control should be covered by the government. In a place where teen pregnancies are a concern, and where there are thousands of children available for adoption, people who may not otherwise be able to afford it should be given access to birth control if they wish it. It could help lower the number of unwanted teen pregnancies, and unwanted pregnancies in general. Providing birth control for someone is a much lower cost for the government than keeping a child in the foster care system for 18 years.
Birth control is a responsible way for people to prevent unwanted pregnancy and should be covered by health insurance. If birth control were not covered by health insurance, many couples would not use it, and many unwanted pregnancies that couples might be unequipped for and unable to afford would ensue. This would put a greater burden on the health care system and our economy. There is no reason for health insurance not to cover birth control.
Birth control is a medical, health issue, not a moral one, so of course it should be covered. And I can hardly think of a more cost-effective preventive health measure than birth control. Morality should not enter into any discussion of practicing health care except in terms of the immorality of withholding health care - which this would be an instance of.
People shouldn't have to choose between sex and saving a buck. Couples in committed monogamous relationships should have the option of using alternative options of birth control to the condom, which is free. If it's not covered, it's basically saying only the rich and entitled get to have sex on their own terms. The rest have to make do.
Those who cannot afford birth control need help and the health insurance companies should be there for them. If they already cannot afford it, then the appearance of another child due to the lack of it will only make the situation much graver. Someone needs to intervene and help them when they obviously require it.
No, there is no medically founded research that supports birth control prevents or treats any disease, unless you consider pregnancy a disease. In fact quite the opposite, it has been known to cause blood clots and other complications. I do not discourage birth control being available to all women, and I also do not discourage abortion for for whatever reason, but it should NOT be covered by insurance (except in circumstances of medical complications). If anything I could make a case for condoms being covered by insurance before birth control, they're cheaper, easily accessible, and unlike birth control actually prevent the spread of HIV and other STDs, while not causing any type of medical complications for the users. Screw the religious arguments and screw the it encourages or enables sexual activity, I'm not arguing those at all. I am 100% arguing for personal responsibility, something a lot of American's don't like. If you want to have sex with someone wear a condom, it's safer and much easier to use than birth control. And quite frankly if you can't afford an $8 box of condoms, you can't afford to have sex. If by birth control you meant things like, fertility screenings, and all procedures and tests, before, during, and after a pregnancy, sure those should be covered. But in terms of the pill, when not used to treat a hormonal imbalance, or other medical complications, and it is used strictly for sexual reasons, it is not longer a "medical reason" and becomes a personal reason. Personal responsibility people, it means it's your responsibility. (And a painful, heavy period would be considered a medical reason, and thus insurable, the majority of birth control users however, use it strictly to prevent pregnancy.)
Unless the private insurance company wants it to be covered or it is for health reasons, it should not be covered. It's no mystery where babies come from, and people don't have to have sex. It's all about taking personal responsibility and having self control. Government-provided insurance should absolutely not pay for birth control. That just enables.
Birth-control is a CHOICE women make; it costs nothing to just keep your legs together. So birth-control isn't a necessity, it's a CHOICE and a LUXURY.
And medical insurance shouldn't cover elective treatments, any more than it should cover breast-implants.
But women today make crazy arguments how they're entitled to everything from birth-control to prevent unwanted pregnancy, to fertility-treatments and artificial insemination to CAUSE it; and it's disturbing to think that they're not only so irrational, but so GREEDY to think that the world OWES them things the don't even need!
As others say here, this just passes on the costs to the other customers, and that's unethical and unfair.
But women's groups use politics to push more unfair laws than Stalin.
We are already spending a lot of money on health insurance to make sure people with cancer and other illnesses are able to live a nice life. We, as tax payers, should not pay to make sure someone does not get pregnant by having consensual sex. If the person does not want a baby, than I advise them not to have sex. But, we, as taxpayers, should not have to pay extra in taxes to make sure someone else does not make a mistake by their own stupidity.
The decision to go on birth control is a personal choice; just like plastic surgery, birth control is not necessary for your own well being. The sole purpose for birth control is for the convenience of the user. There are very few medical benefits from taking birth control, which means that it would rarely be recommend to improve someone's health.
The topic 'should birth control be covered by health insurance' implies, to me anyway, that the purpose of the provided birth control is birth control, not treating some other disease. That's why I answer no. And my supporting headline is in response to 'Insurance should cover everything'. I don't support you passing on your birth control costs to other people via insurance, and if every single person with the insurance is getting birth control regularly, the prices will probably be such that they might as well buy it themselves rather than through a middleman.
If you don't have the self-control to abstain from sex, who's to say that you have the self-control to remember to take the pills on a regular basis?
We are given charge of our own bodies. Equally, we are given charge of our minds.
It's time to take responsibility for own actions.
The government has no business mandating coverage of an optional medication. I understand that some women take hormonal contraceptives for other medical conditions but having unprotected sex isn't a medical condition, it's a choice. I do however think that it is most likely in the best interest of insurance companies to cover in part or completely birth control medication because in the long run it will save them the costs associated with pregnancy. As a woman, I have paid for and used birth control in the past and it was obviously my choice to use and pay for it. I feel that people in general should take some personal responsibility. Even without insurance, birth control is relatively inexpensive for the generic. If you can't afford the uninsured price of $20-$50 a month for generic birth, then you probably shouldn't be having unprotected sex. Spending $240 to $600 a year for birth control is much cheaper than paying for a child.
It's a slippery slope when we start allowing Washington to decide what individual employers must provide in health ins. Taking birth control out of it there are currently many different levels of health care provided by employers around the country; some more comprehensive than others. This is none of the governments business. We all look at benefits offered when considering excepting a job. Having those benefits become a government forced mandate is going to cone off the profit margins of companies which will be reflected in cuts in pay and other benefits. This is simply not something Washington should be wasting their time with. We have other much more serious problems in this country. I have a huge copayment and deductible. Should Washington force my employer to provide better coverage. That's the slippery slope here folks. Don't allow them to continue controlling our lives at every turn.
Health insurance is not the only means of making birth control available. Thus the policy question is not whether everyone should have access to birth control but instead whether health insurance should be the primary source of assistance to make birth control accessible to everyone. Birth control is elective, health insurance is the primary source of coverage for healing injury caused by elective behavior such as smoking (cancer) or skiing (broken bones). Health insurance won't pay for safety gear that would reduce your chance of injury while skiing. Similarly it won't pay for birth control to keep you from getting pregnant. Pregnancy is not an injury. Pregnancy is a normal function of a healthy person - if nobody suffered from susceptibility tot his healthy function we would be the last generation of a soon to be extinct species. Health insurance should pay for fertility treatments to allow the normal fertile function. The same goes for erection medication because it treats a dysfunction. Fertility that leads to pregnancy through sex isn't described in medial terms as sterile dysfunction. There is no dysfunction. Pregnancy is expensive, has adverse health consequences, and does interfere with non-pregnant functionality. If being pregnant were considered quasi-ill then permanent sterilization, vaccination against pregnancy, merits coverage but not birth control. Birth control betrays what it is truly intended for - getting pregnant but not getting pregnant right now. The timing of pregnancy is an elective choice - current health insurance doesn't cover electives. If health insurance did cover electives that would be a different policy discussion and it should be discussed without reference to birth control to avoid using the coverage of electives as a sham argument for birth control and not other elective surgery such as breast augmentation or rhinoplasty.
Birth control like pregnancy coverage should be an option you can add and pay for on your policy when you purchase it.....It's a choice, just like deciding to have children. I'm sixty and female...Don't need maternity care or birth control anymore but when I did need it, we paid for it ourselves and didn't expect the government or our neighbors to cover the costs. Our government shouldn't require my insurance or anyone's, no matter what their age, to cover an optional medical choice. It's called personal responsibility ........Something that seems to be sorely lacking in today's world.
Pretty much what everyone else has already said (and I see women agree with me as well) Birth control isn't exactly insulin for diabetes!
Although I would not necessarily suggest abstinence. Guys don't have to worry about getting pregnant (though an egg could actually grow in attached to an internal body cavity, just like it would in a uterus, but that's another subject)
If you are worried about this, insist your partner wears a condom!
Insurance is a form of risk management, to cover uncertain loss. Let's say there is a 1% chance that you'll have to spend $10,000 for health care costs, so you go to a company or random rich person, and offer them an amount over $100 in exchange for their guarantee that if the 1% chance occurs, they will give you $10,000. That is insurance. The amounts could be 1% / $10,000 / ($>100) (as in the previous example), 0.001% / $300 / ($>0.3 cents), 80% / $900 / ($>720), and so on. Insurance, by definition, covers uncertainties. The numbers could also be 100% / $xyz / ($>xyz), however, no one would want that (or at least that's what I thought until recently).
Here's one explanation for why it's stupid to expect insurance companies to cover contraceptives (as in, "things that are being used as contraceptives"). Let's suppose there is an insurance company whose sole mission is to cover birth control; that's literally all they cover. What would they do, or even claim to do? "Are you spending $100 a month for pills? Well, we can cover that. For the small fee of $105 each month."
If people wouldn't want that plan, then why would they want their insurance company to add that plan to their current one?
I don't think people should be forced by the government (via their insurance premiums) to pay for something they believe to be immoral. As soon as the health care law goes fully into effect the penalty for not doing so will be 1) live in poverty so you don't pay taxes 2) pay 2.5% of your income penalty. Both options would require you to go without health insurance. Undoubtedly the tax penalty will in some way go toward paying costs associated with the health care plan so you would de facto be paying for it - and its contraception mandate - anyway, so the only real option is poverty. Sounds to me like that's a pretty heavy handed government - forcing its morality (or lack thereof) on citizens, not too unlike the kind of things that happened in eastern Europe behind the iron curtain.
Instead of forcing the rest of America to pay for you to have sex use your free birth control which would be to keep your legs closed. Birth control doesn't ALWAYS work 100% of the time and if you can't even afford birth control BY YOURSELF then you CAN'T afford a child. Which means you CAN'T even afford the risk of pregnancy which happens every time you have sex protected or not! Be smart people! Be smart!
First off I'm a woman. I've been having sex at least twice a week with my fiance for the last four years and I've never gotten pregnant. We always are RESPONSIBLE AND ACCOUNTABLE for our own ability to procreate. Always use condoms and pulls out when he comes and other various methods. I would never expect anybody to pay for my condoms or birth control. We simply do not have sex when funds run dry on condoms and etc. That is called being responsible. And guess what? I'm not pregnant. Oh and guess what else? I'm 20 years old!
If anyone, male or female, wants to have protected sex, that's responsible and I applaud the forethought. But what makes it 'healthcare'?! It's a responsible choice that results from a lifestyle activity and not a medical necessity. Who is responsible for your lifestyle choices- your insurer? How about you yourself being responsible for yourself? And who is denying you access to contraception? Nobody. Another question- is it your neighbor's responsibility as a taxpayer to make sure you can have a good time tomorrow night? Grow up.
What ever happened to mandating personal responsibility? I think it is the responsibility of all to act in a way that preserves the freedoms that we have but also does not infringe on the rights of others. Not always should this be "covered" under insurance. If a person chooses to have sex they are accepting all of the consequences that come with it. Although pregnancy is one potential outcome of sex, so to is disease, regret, the loss of worth, and a change to the relationship. Sex is and always should be great. But only when it occurs in a relationship at the right time for both partners. Sometimes waiting will not only make the sex better, but also preserve a relationship that might otherwise fail if sex enters in at the wrong time. Once this occurs, promiscuity is more likely to occur and the increase in disease will follow. I believe it is my right to teach my children that sex is more than an act and that you have to pay for the consequences one way or the other. I don't believe in paying for others irresponsible actions. Preventing the negative consequences of sex depends on personal responsibility and healthy personal decision making, not insurance.
If the "medical need" is optional it should not be required to be covered under health insurance, it is a cost that will be passed on to others. Going along with my headline, it is your personal responsibility to not have sex if you can not afford to protect yourself from pregnancy and STDs.