Contraception is a critical issue for women of all ages and social class because the decision to have a baby impacts a woman’s physical, mental, and emotional health. Contraception is also very costly and is an expense that a woman primarily shoulders. Not every employer’s health insurance plan provides benefits for prescription contraceptives and devices. A personal survey of 50 adults with varying types of insurance plans, asked if their health insurance plans provided coverage for birth control, Viagra, or abortion. Everyone surveyed maintain that his plan provides coverage for Viagra, a sexual enhancement drug, and abortion. The same survey showed that 26% of the insurance plans do not provide benefits for Food and Drug
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Family planning devices and prescriptions should be a benefit that all health insurance plans provide because more than half of the pregnancies that occur within this country are not planned. The United States has the highest rate of accidental pregnancies of the entire industrialized world. Of those pregnancies, only half come to term. The other pregnancies end because of spontaneous abortion, also known as miscarriage, or the woman elects to have an abortion (Roan, 2009). With insurance provided birth control these statistics can decrease considerably. Lack of coverage, and the out-of –pocket expense for birth control, is a factor in the high rate of unintended pregnancies because women are going without birth control, or opt for less effective methods for family planning. Women spend approximately two-thirds of their lives in an attempt to avoid pregnancy, but still a majority of women experience an unplanned pregnancy by the time they reach age 45 (Vargas, 2002).
Women are primarily responsible for preventing pregnancy and rely on prescribed contraceptives and devices because there is no effective form of over-the-counter birth control available for women’s use. The most effective form of birth control, other than abstinence, is oral contraceptives, which is better known as “the pill.” With insurance, co-payments for the pill range from $10 to $50 per month (Andrews, 2010). Without insurance coverage, the