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This week a new PREVENTATIVE SERVICE was added to the Patient Protection And Affordable Care Act (PPACA).  Now contraception will be covered at 100%.  This law has gone wild with entitlement spending.  Not only does it not make health care affordable it continues to add cost to  health insurance.  Someone has to pay for this.  I am quite certain the insurance company is not giving this benefit for free. I often ask what is the cost of free?  (https://isellhealth.com/2011/03/09/what-is-the-cost-of-free/).  Now there has been a lot of backlash from the Roman Catholic Church, who is against contreception, but now has to pay for it as part of their benefit plan.  They should not have to!  Health insurance is not health care.  Insurance should be for things you cannot pay for by yourself.  I have no problem with someone taking birth control.  My wife did, before we were ready to have children, then we surgically took care of birth control ( at our own expense I might add).  By the way I am Catholic.  That being said, at that time, birth control was not part of my health insurance plan, so we paid for it every month.  It is not real expensive.  I think it was $25 per month.  The average cost of birth control is between $20 and $50 per month. (http://health.costhelper.com/birth-control-pills.html).  If that is important to you. It is something you can pay for.  Americans will go to Starbucks day and spend over $5.00 for their gourmet coffee, but can’t spent half of that per day for contraception?    I have no problem with someone who takes birth control.  I just do not want to pay for someone else’s problem.  This can be very simple.  We have taken this insurance thing ( I mean the current administration) to a crazy entitlement program.   Why not again have some common sense health insurance.  Make it kind of like Auto Insurance.  On your auto policy, if you want to add towing, you can, if you want to add say replacement car rental you can.  Neither of those add much to the policy, but it is a personal choice.  For example, at one point I was in the car rental business.  I did not need that coverage, as I could get a replacement vehicle for free.  Just like I do not any longer have a need for contraception.

Please let us stop confusing health care with health insurance, and let’s not absolve people from personal responsibility.

Thanks for reading.

Eric Wilson is President of I Sell Health, Inc.  A  Chicago area insurance agency.  He can be reached toll free at 888-448-5370 or online at www.isellhealth.com