How insurance, and contraception work

Mysteriously, women nationwide are out spending piles of taxpayers’ money on sex paraphernalia – namely birth control – and men are not getting a single piece of all this fun.

The Reclusive Leftist has offered us a refresher course on these matters, which I am adapting here.

  1. Taxpayers aren’t paying for Sandra Fluke’s healthcare or anybody else’s healthcare at Georgetown. It’s a private insurance plan and the people who are paying the premiums are the ones footing the bill. This is true with all employer-sponsored plans. And anything contributed by the employer is part of the employee’s compensation. Student plans also fall into this category: the students pay premiums, and any subsidization by the university is part of student aid and ultimately covered by tuition.
  2. Insurance works by providing a pool of coverage for everybody in the plan. My insurance plan, to which I contribute substantial premiums, is right now paying for some guy’s Viagra as well as for somebody’s prostate exam, even though I personally have no use for those things. That’s just how it works.
  3. Insurance normally covers all kinds of medical expenses connected with sex and other voluntary activities. Bill O’Reilly complains that “men’s activities” aren’t covered, but they are. If men want Viagra so they can have sex, insurance covers it. If they get gonorrhea or syphilis or crabs from having sex, insurance covers it. If they get AIDS from having sex, insurance covers it. If they want to go skiing and need a cardiac stress test first, insurance covers it. If they need Diamox so they can go skiing in Aspen, insurance covers it. If they break their legs skiing, insurance covers it. If they need Simvastatin to lower their cholesterol because they won’t stop eating fatty food and red meat, insurance covers it. If they suffer a heart attack from all that fatty food and red meat, insurance covers it. If they need a nicotine patch to quit smoking, insurance covers it. If they get lung cancer because they won’t quit smoking, insurance covers it. And on and on and on. Does this mean that men are being paid to have sex, to ski in Aspen, to eat sausage, to smoke or not smoke? No.
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