Essays on Contraceptive Coverage on the Health Policy Research Paper

The paper "Contraceptive Coverage on the Health Policy" is an exceptional example of a research paper on health sciences and medicine.
The effects of adding contraceptive coverage on the employer-based health policy for women between the ages of 18-44 years
Most employed women belong to the highly active reproductive age. Therefore, they are typically faced with medical issues related to the lack of contraceptive use. This impact on the insurance covered by employers. Therefore, it is critical that employers consider adding contraceptive coverage on the health plan costs for women (Sobel & Stitzel, 1998). In the U. S, most employers have been mandated to provide insurance coverage plans for reversible medical contraceptives. It is not only expected to increase access but also the provision of contraceptives in an even-handed way. Women would get a selection method that is more balanced and most appropriate for their needs and preferences regardless of the cost (Abma et al., 1997).
Approach
A lot of controversial perspectives have arisen in relation to the need for employers to cover contraceptive costs. Thus, the rate at which both employers and women employees would save and spend more were assessed. This exercise would highlight how much saving can be obtained by the employee and the women. It would be attained through the performance of a comparison between the costs before the contraceptive coverage and that likely to be incurred after coverage. They would include maternity charges and abortions for unintended pregnancy. It would be compared against the extra contraceptive cover costs. From a study performed by the Alan Guttmacher Institute (AGI) (1994), it was found that the employers would need to add $ 21.40 to the insurance premiums. It comprises employer costs of $ 17.12 and employee costs of $ 4.28. However, owing to the unique payment of the contraceptive fund, it is quite difficult to estimate the estimated cost of reliable coverage (Henshaw, 1998).
Results
It is found that in order for the full range, coverage of reversible medical contraceptives to be attained in health plans that do not cover them currently, the costs for both the employees and their dependents will increase. It will need to be covered by both the employers and employees as shown in table 1 below. 2. Thus, adding contraceptive coverage will decrease healthcare costs by $ 24 per women between 18 and 44 per year. The employer will save 1.5%.
Number of Pregnant Women
500
Before coverage
500 women pregnant
No of unintended Pregnancies
185
Percentage
37%
Total Cost
12879x185=$2382615
After Coverage
500 women pregnant
No of unintended Pregnancies
168
Percentage
33.5%
Total Cost
168x8827=$1478522
Employer’s savings= 2382615-1478522.5==$904,092

Assumptions and limitations
It is assumed that with the full range coverage of contraceptives, women employees will be able to access the most appropriate contraceptive depending on their needs irrespective of their cost. As such, they will reduce the need to seek healthcare based on medical issues that arise owing to the lack of use of contraceptives. The added costs amount to $ 1.43 per month, which indicates less than a 1.5 % increase in the employer’s cost. In this way, employers will save on the costs on standard healthcare insurance coverage (Laundry & Forrest, 1996).
Conclusion
Employees would benefit from this coverage since they will be able to reduce the Medicaid expenses caused by the lack of use of contraception by 1.5%. The rate of pregnancies dropped by about 3.5% and the cost by about $3 per person. The saving rate thus takes place in the ratio of 3:1.

References

Abma JC et al., (1997). "Fertility, Family Planning and Women's Health: New Data from the 1995 National Survey of Family Growth," National Center for Health Statistics, Vital and Health Statistics, Series 23 (19).

Henshaw, S. K. (1998). "Unintended Pregnancy in the United States," Family Planning Perspectives, 30(1):24-29 & 46.

Landry, D. J. & Forrest, J. D. (1996). "Private Physicians' Provision of Contraceptive Services," Family Planning Perspectives, 28(5):203-209.

Sobel, H., & Stitzel, B. (1998). Buck Consultants, report to Jeannie I. Rosoff re. Cost of Covering Reversible Medical Contraceptives.

The Alan Guttmacher Institute. (1994). Uneven and Unequal: Insurance Coverage and Reproductive Health Services, The Alan Guttmacher Institute, New York.