Contraceptive Equity
by: Liz Jones
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Health plans cover Viagra but not the
Pill.Image Credit: Kristina Laureckas
D
id you know that many health insurance plans do not
cover prescription birth control, even when other prescription drugs are
covered? Consider these facts:
• A typical American woman
who wants only two children will need to use contraception for 20-30 years of
her life.
• Of the total number of
U.S. women in their childbearing years, seven out of 10 are sexually active and
do not wish to become pregnant.
• Nearly half of all
pregnancies in this country are unintended.
As a result, contraception
is a basic health care need. However, a survey conducted by the Alan Guttmacher
Institute in 1994 found that while virtually all traditional fee-for-service
health insurance plans covered all other prescription drugs, half did not cover
prescription contraceptives at all. Only one-third covered the birth control
pill -- the most popular method among U.S. women. Although some states have
taken long-overdue steps to remedy this inequity by passing laws to require
health plans to pay for FDA-approved methods of prescription birth control just
as they pay for other prescription drugs, insurance coverage still remains a
patchwork.
Is it considered sexual
discrimination if a health care plan covers all prescription drugs except
prescription contraceptives? The Equal Employment Opportunity Commission (EEOC)
thinks so.
The EEOC recently ruled that employer-provided prescription
drug benefit plans that fail to cover birth control may be unlawfully
discriminating on the basis of gender. But resistant insurers and employers
argue that benefit plans don't reimburse men for the cost of condoms, and they
are consistent in denying contraceptive coverage to both to women and
men.
Although it may be true that benefit plans don't sexually
discriminate in their coverage of birth control, perhaps benefit plans
should take into account the inherent gender differences when it comes to
contraception and pregnancy. Women bear the biological consequence of conception
and currently spend 68 percent more in out-of-pocket health care costs than men,
with much of this cost differential due to reproductive health-related costs.
Considered from this perspective, denial of contraceptive coverage impacts men
and women differently: If the lack of contraception contributes to pregnancy,
the medical costs and risks to women are much greater.
Many women's
groups have been outraged by employee health plans that don't cover
contraception opting nonetheless to cover the anti-impotence drug Viagra. They
see a double standard in the way our society views sexuality as an essential
part of a man's life but not a woman's.
Although birth control doesn't
physically enable sexual intercourse in the manner Viagra helps men
overcome impotence, it can offer women the freedom to be sexually active without
the risk of pregnancy. In this sense, contraception isn't just useful as a means
to prevent pregnancy, it also helps liberate a woman's sex life.
The
analogy of female birth control to Viagra may provide a stronger argument for
contraceptive equity when a focus is placed on the common objective both
medications fulfill: to allow people healthy, unburdened sex lives.
The single best way to
achieve contraceptive equity for
all American women is to pass federal
legislation that requires this coverage. The Equity in Prescription Insurance
and Contraceptive Coverage Act (EPICC), first introduced in 1998, seeks to
establish parity for prescription contraceptives within the context of coverage
already provided by health plans. EPICC would require all types of health plans
across the country that cover prescription drugs and devices to cover
contraception to an equivalent or greater extent. For the past four years,
Congress has recognized the importance of this coverage by requiring health
plans for federal employees to cover contraception.
In order to ensure
better coverage, the U.S. Senate needs to act soon. Right now, 43 senators have
said "yes" to this legislation, but it has been stalled in congress for four
years.
Find out if
your senator supports simple fairness for women's health coverage, and access
more reproductive rights material on
NFPRHA's Web site.