Premiums buy health care, not sex

More than has plenty of leg Expressed opinion about the Revolting comments made last week by the talk radio blow-hard best Described by Jon Stewart of Comedy Central's "The Daily Show" as "Extremely Loud & Incredibly Gross."

Much of it has drowned out Reasoned discussion about what services Should Properly private medical insurance cover.

Despite The misrepresentations out there, the Georgetown law student Rush Limbaugh was not fired after begging Congress for a federal handout or asking Taxpayers to fund wanton fornication. She was talking about having the health insurance she pays for - just as many Individuals, Workers and Their Employers do from Their Own Pockets - cover the cost of prescription drugs That many American women use in a perfectly legal and Responsible Way.

The whole reason to buy insurance is to help make medical care affordable. What's the point of paying premiums without getting what you need in return?

Now, we could debate all day the morality of sexual activity by law school students (some are married or Whom, by the way), and it would be mostly beside the point more substantialism Regarding issues surrounding health-care services and health-care costs : Who gets to choose what's available? How should it be funded? What is government's role in it all?

Among other things, the Patient Protection and Affordable Care Act Of Those has answered some questions by expanding what insurance must cover without charging co-pays, the goal being to focus on preventive care for many conditions.

Private plans have gene rally leg axis shifting to prevention Employers look for ways to reduce health-care costs: helping workers stop smoking, urging healthier eating, Providing assistance to better manage chronic diseases, that 'sort of thing. But before the health-care law passed in 2010, not all extended coverage to what many people would Argue are basic, common-sense services - or at least not without batches That deterred some people from seeking care.

My personal tale of woe is dated, but it shapes my thinking on this.

In the early 1990s, it seemed Responsible and pro-active to get a physical before starting a family. But my plan at the time did not cover routine well-woman checkups or the rubella shot I needed to avoid contracting a disease That Could cause a miscarriage or birth defects.

It seemed absurd - and still does - to exclude insurance for Sensible Precautions, INSTEAD That Costly gambling treatment would not be needed down the road.

That experience is why I appreciate the argument That Should government step in When market forces do not create enough incentives to expand access to affordable preventive care. The new law requires plans to cover a variety of services, Including mammograms, colonoscopies, and prenatal and new baby care, without co-pays or deductibles.

Other services specifically for women are Supposed to kick in this August, And That started ruckus about the religious Institutions Including birth control in Their plans.

The additions Were pulled from a political goody bag; They Were recommended by the independent, nonprofit Institute of Medicine after careful scientific study (Read the report by the Committee on Preventive Services for Women: bit.ly/yYZB8s)

Besides prescription contraceptives (not Including abortifacients), other, no co-pay services include breastfeeding supplies, gestational diabetes screening, cervical cancer testing and well-woman visits. (Fact sheet: 1.usa.gov/owdgEX)

That does not make them free - unless someone else is paying your premiums.

Researchers and policy makers continue to debate how much preventive care can reduce medical costs - and They should. It's important to determining Which types of screening can deter more Costly treatment and what kinds of care are worthwhile, even though expensive, Because They Significantly Improve individuals' health.

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