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Paying Too High a Price? A Diagnosis for Over-the-Counter Contraception

By Myra Batchelder, National Institute for Reproductive Health

January 29, 2009 - 8:00am

Myra Batchelder's picture

Do you get tired of having to visit your doctor to get a prescription for birth control pills? Would your life be easier if you could just walk into a pharmacy, pick up a packet of pills, pay and walk out - no prescription, no doctor, no hassle?

England may be getting it right - news media has recently covered pilot projects in England offering hormonal birth control pills over-the-counter at pharmacies. And here in the US, many reproductive health advocates are contemplating the same practice. But think about it: what would happen if instead of just paying a co-pay for your pills or obtaining the pills for free through your public health insurance program, you had to pay for the full price of the drug? Before we move to an over-the-counter model, we must ensure that public and private health insurance programs will provide coverage for over-the-counter oral contraceptives so that all women will be able to obtain the product - not just those who can afford to pay a high price.

What We Learned When Emergency Contraception Went Over-the-Counter

Our recent history with Emergency Contraception (EC) provides an important lesson. After a long political process, EC was finally made available behind-the-counter at pharmacies for individuals 18 and over. While this overdue success expanded access for many women, the high cost of EC remains a critical barrier for low-income women, including those who are uninsured or depend on public health insurance coverage. Deborah Reid, Staff Attorney for the National Health Law Program, explained that, "Particularly in light of the current economic crisis, the cost of birth control is problematic to most women and especially for low-income women. This is particularly true for emergency contraception as it's a time-sensitive medication."

While more than one in ten women in their reproductive years depend on Medicaid for their health care, most state Medicaid programs still require women to obtain a prescription in order for EC to be covered. As a result, many low-income women continue to face barriers when they go to the pharmacy and discover that the cost is about $50 on average and their state Medicaid plans won't provide coverage without a prescription. For women who then must wait to obtain a prescription, those extra hours or even days could dramatically decrease the effectiveness of EC. Fifty dollars out of pocket may not seem like a lot to some, but for anyone living paycheck to paycheck, it could mean choosing between buying groceries to feed their families and paying for EC. The reality is that as long as Medicaid will not provide coverage for EC without a prescription, many low-income women in this country still do not have real access to over-the-counter EC.

According to a national survey we conducted at the National Institute for Reproductive Health in 2007, eight states have already led the way in providing State Medicaid coverage for over-the-counter EC without a prescription. Around the country, advocates are working to expand coverage in their states and pushing for the expansion of their state public health insurance programs to cover over-the-counter EC without a prescription. The current economic crisis, however, has made this challenge even more difficult.

The lessons we learned regarding the need to balance access, cost and insurance coverage in EC advocacy are important to remember as advocates push for the over-the-counter provision of other oral contraceptives. Though the possibility of over-the-counter access to oral contraceptives is likely at least several years away, advocates are already researching and examining how cost and insurance coverage might work. They are working to ensure that women would be able to obtain oral contraceptives over-the-counter that are still covered by insurance.

Addressing Cost and Access Barriers Across Spectrum of Reproductive Health Care

These cost and insurance barriers are not solely related to contraception. The issue of state Medicaid programs not paying for over-the-counter EC recalls the problems that low-income women have faced for the past thirty years in abortion access. The Hyde Amendment, first passed in 1976, bars federal Medicaid funds from being used to pay for abortion except in extreme circumstances, leaving millions of low-income women without much-needed access to funding for abortion care. Advocates are working to fight this burdensome restriction; however, Congress has continued to uphold this restriction in the annual appropriations bill each year. While grassroots abortion funds have stepped in to assist millions of women in paying for abortion services, the financial barriers to accessing abortion are not on the radar for most of the country, and many people are still not aware of what the Hyde Amendment is or the vast problems that it causes.

Ensuring access to reproductive health care, including contraception and abortion, is about more than just the legal ability to obtain these services. As advocates we need to work to ensure that all women have access to needed contraception and abortion services, regardless of their socioeconomic status or the health care program in which they participate. We will not have true reproductive rights until all women have the ability to access quality reproductive health care.

The long-term goal is to establish a universal health care system that will provide everyone with access to all needed medical services, including abortion and over-the-counter contraception. The important steps along the way include providing Medicaid and other public and private insurance coverage for over-the-counter EC and other forms of birth control without a prescription, as well as for abortion.

Together, we can work to achieve this. As advocates we must always recognize the cost and insurance pieces of any reproductive health care service and work to ensure that all women have access; cost must never be a barrier to accessing these services.

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4 comments
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I agree with the need to make oral contraceptives more accessible, but we shouldn't overlook the fact that a doctor's visit provides opportunities for improving overall health. In particular, an annual pap smear can be performed when a woman goes to her doctor for an OC prescription.
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My own gynecologist insists on doing it this way. I'm a doctor myself, and I don't mind.

Submitted by Dr. Dredd on January 30, 2009 - 4:16pm.

I really think that there are some risks with clotting associated with even BC pills that are prescribed to you by a doctor. I had migraines off and on for weeks until I sorted it out and found another method of MC that works for me (NuvaRing). Luckily my gynecologist was able to get me in the next day after I called her with my concerns.

I am for having BC be far more accessible though. It's a fine line indeed...

Submitted by BBCaddict on February 2, 2009 - 5:22pm.

Thank you for this thoughtful piece, Myra. Wisconsin's Medicaid Program and our Family Planning Waiver covers EC as a prescription drug, but just because something is available over the counter doesn't mean it can't be prescribed. Of course, for minors, it is not available without a prescription.

As family planning clinics, we often overlook opportunities to market our own unique and vital services. We have established a state-wide EC hotline (866-EC FIRST)where women can enroll in our MA FP program and get a prescription for EC-in-advance as well as for 'needed now.' We can fax a prescription to a pharmacy, deliver overnight, we have lockboxes at some clinics, and we have "EZEC agreements" with women's shelters and other agencies for rapid and convenient (and 'free' if you're MA enrolled) EC.

WI will have a conference on "EC - Not Just an Afterthought" May 13th and 14th in the WI Dells. (www.HCET.org for more info) This is an invitation for all of you to come and we can share your great ideas and our pretty good ones on how to make EC more accessible.

--Lon--

Submitted by Anonymous on February 4, 2009 - 1:15pm.

Since EC is nothing but a high dose of BC pills, it is an outrageous Big Pharm rip off that they should cost $50. It's yet another profit payoff to the drug companies. In terms of relative risk to life and health, we should be putting BC pills in gumball machines and requiring prescriptions for cigarettes! And if BC pills had been originally marketed as cancer prevention (which they are) - nobody would have any problem with their OTC use.

Submitted by JoshuasGrandma on February 5, 2009 - 6:36am.