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If you pay for it, it’s a right

To the Times Of Ti:

Mr. (John) Sharkey seems to be confused as to the function of a health insurance policy. An insurance company sells policies, mainly to employer based groups. The goal of the insurance company is to make a profit, but also to share the risk of insuring people over large groups, which allows the economy of large numbers to make the medical needs of the individuals more affordable when needs arise. If a policy outlines the terms of co-pays, deductibles and prescription drug coverage, then that level of coverage is indeed a right of the insured based on a contract with the insurer. Don’t you want to get what you pay for?

Some of the situations Ms. (Sandra) Fluke outlined in her testimony (which were not of interest to small, lurid minds like Rush Limbaugh) included women who had polycystic ovarian syndrome and symptoms of endometriosis, each of which could benefit from treatment with medication that also serves as contraception. In the case of polycystic ovarian syndrome, one woman stopped paying for the full expense of the prescription and the subsequent cyst growth required the removal of an ovary and triggered symptoms of early menopause. Essentially, the refusal of her insurance company to cover even the percentage outlined in the policy could lead to infertility—a very extreme method of unintended contraception which is apparently acceptable for the insurer.

According to the Georgetown Premier Plan booklet, services considered a medical necessity will be covered by the insurance plan. Just because medicine can be used for contraception does not mean it should not be used for other treatment purposes or to prevent certain cancers. Campus-based insurance plans are intended to offer affordable coverage to students who may not be covered by a parent’s plan and don’t have an employer based plan. Individual coverage is prohibitively expensive to most students.

We need affordable health care coverage for all people, regardless of where they work or go to school. If religious organizations don’t want to offer certain health care coverage options, they should decline to offer any and they should stand by their convictions. With more people needing non-employer based insurance, the cost of that coverage should decrease.

Bridget M.M. Simpson

Mineville

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