So it’s better to make people pay for their own condoms and other OTC contraceptives rather than have insurance cover it? Because that sounds worse to me.
Yes, insurance exists for unexpected events, that’s why its insurance. A condom is a cost you willingly accept. And to be honest, primary care often shouldn’t be insurable, but since plans are required to cover it without price discrimination it kills direct primary care- so this is something that has to be accepted. Now, if medicare/medicaid and other programs choose to cover it that’s a different thing, but requiring all plans cover it is dumb. But I guess plans don’t really have to compete that much on price and value-added that much anymore post-ACA anyways
So it’s better to make people pay for their own condoms and other OTC contraceptives rather than have insurance cover it? Because that sounds worse to me.
Yes, insurance exists for unexpected events, that’s why its insurance. A condom is a cost you willingly accept. And to be honest, primary care often shouldn’t be insurable, but since plans are required to cover it without price discrimination it kills direct primary care- so this is something that has to be accepted. Now, if medicare/medicaid and other programs choose to cover it that’s a different thing, but requiring all plans cover it is dumb. But I guess plans don’t really have to compete that much on price and value-added that much anymore post-ACA anyways
Then insurance should also not cover things like breast exams and colonoscopies, right?
They are not unexpected events.