This hit me quite hard and until now it was unknown to me so I thought it prudent to share.
I am a dad of a late teenager daughter, who was prescribed the Pill. Our health fund, ( we of 30yrs membership) , refused to recognise the private script that should otherwise be eligible for cover. This what they say…
‘Contraception prescribed for birth control is done so in the absence of illness or disease and in turn doesn’t meet the definition of Pharmaceutical according to (our) Fund Rules’ and…’
Most doctors know that these rules can be circumvented by the letter outlining it has been prescribed for a myriad of medical conditions.’
In short your doctor may need to deceive the Fund to defeat its own (Funds) Rules to refund on the cost of the Pill.
I challenged these terms and their apparent attitude about this with vigor suggesting pregnancy is a big medical condition, (ask a mum), plus any number of genetic or other unwanted medical conditions could be avoided with contraceptives, a contraceptive therefore can avoid the precondition of pregnancy and also avoid related medical harm.
The funds do payout on any number of pills and gadgets to avoid any number of preconditions so why not so on contraceptives? Eg., type 1 diabetic is eligible to be refunded on a $10000 insulin pump to avoid medical decline or death for an existing condition. Avoiding an unwanted pregnancy and/or offspring is equally a medical issue, not to mention is the personal choice of a female, not a Fund.
I do not want to hash up the age old dispute of religious/church historical intervention, other than to declare, if you are the person potentially and personally on the receiving end of the medical condition - pregnancy, then you are intimately involved in the decision making.
I do not know, but I suspect denying the funding of contraceptives, reeks of historical religious/Victorian imposed moral influence, to me anyway, and if so, is obsolete and has no place in a medical insurance industry. Whatever the reason for it being incongruous with the Funds policy, consumer right to decide is paramount in a democracy and not the insurance industry that finds any reason to mitigate it costs.
I’m not a prolific social media tart but the denial to refund contraceptives on prescription for no other reason other than pregnancy/birth is deemed non medical, is a nonsense and wrong on all fronts.
I’d like to suggest you too check with your fund and if as broadly denied as my (union originating) fund declares, take them to task for all free thinking woman and supporting blokes. As a bloke, I am appalled.
Should I be outing the Fund by name?