Legislature(1997 - 1998)

02/10/1998 03:04 PM House HES

Audio Topic
* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
HB 350 - INSURANCE COVERAGE FOR CONTRACEPTIVES                                 
Number 0573                                                                    
CHAIRMAN BUNDE announced the next item on the committee calendar               
was HB 350, "An Act requiring that the cost of contraceptives and              
related health care services be included in health insurance                   
coverage."  He invited Representative Croft to present his bill.               
Number 0656                                                                    
REPRESENTATIVE ERIC CROFT, Alaska State Legislature, testified as              
the sponsor of HB 350.  He began his presentation with a slide show            
and explained this legislation was the result of discussions with              
a number of pro-choice and pro-life people on how to reduce the                
number of abortions.  He then began to look at where most of the               
elective abortions come from; i.e., what types of pregnancies.  He             
learned the vast majority of elective abortions come from                      
unintended pregnancies.  This information led to the question of               
what is the best public policy initiative to reduce unintended                 
pregnancies.  The result was HB 350.                                           
Number 0735                                                                    
REPRESENTATIVE CROFT directed the committee's attention to the                 
sponsor statement and letter of intent which simply makes clear                
this legislation does not mandate abortion; it speaks to                       
contraception.  He noted that it's unclear technologically how some            
devices work in terms of whether they are primarily an early                   
abortion or a late contraception.                                              
Number 0774                                                                    
REPRESENTATIVE CROFT displayed a slide with information from a 1987            
U.S. Department of Health study which indicated that of the 43                 
percent of intended pregnancies resulting in live births, an almost            
negligible amount resulted in abortions.  In absolute numbers, of              
unintended pregnancies, about half ended in abortion.  A review of             
how insurance companies cover these indicated that almost all                  
insurance policies, without any mandate of any kind, cover                     
abortion, probably for fiscal reasons.  When an insurance company              
has a policyholder who is pregnant, the cost of having an abortion             
is much less than the cost of bringing that child to term.                     
CHAIRMAN BUNDE mentioned that concerns had been expressed to him               
about the very high level of teen pregnancies in Alaska.  He asked             
if Representative Croft had statistics for Alaska.                             
REPRESENTATIVE CROFT explained that he had 1994 information for                
Alaska, as well as various studies across the nation, but the                  
information was for different years, so it really doesn't match.               
Number 0927                                                                    
REPRESENTATIVE CROFT displayed information which reflected that of             
the 57 percent of unintended pregnancies, 81 percent were teens 15             
to 19 years of age and 75 percent were women at or below the                   
poverty level.  He said the issue is that people who most need to              
plan families are having the least success.                                    
REPRESENTATIVE CROFT next displayed information specific to Alaska.            
Data from a federally required Pregnancy Risk Assessment Monitoring            
System (PRAMS) indicates that 41 percent of births were unintended             
pregnancies and 90 percent of women who had an unintended pregnancy            
were not using, or were improperly using, a birth control method.              
His chain of reasoning is that if the vast majority - statistically            
all - of the elective abortions are based on unintended pregnancies            
and 90 percent of the unintended pregnancies come from improper use            
of or lack of access to birth control, how can we increase the                 
availability of birth control?                                                 
Number 1025                                                                    
CHAIRMAN BUNDE said in his opinion, there was a difference between             
not using a birth control method and a lack of access to birth                 
REPRESENTATIVE CROFT agreed with Chairman Bunde and added that is              
the most difficult number to come up with.  He has good numbers                
that show fairly conclusively that the overall health costs are                
much cheaper when a family has access to and uses a contraceptive              
method.  It becomes difficult to decide how much of this is cost               
and how much is attributed to other reasons.  He believed that a               
common sense conclusion can be reached that at least some aspect of            
it is the cost. Other studies have shown that women have                       
significantly higher health care costs which is mostly due to their            
paying for the non-insurance of some of these costs.                           
REPRESENTATIVE CROFT stated besides numbers, there are many                    
societal benefits to families having families when they can take               
care of them.  Statistically, unplanned children have a much harder            
time in life.  That doesn't apply to every family, of course, but              
statistically, unplanned children have higher levels of abuse and              
poverty and there are greater social costs.                                    
Number 1136                                                                    
REPRESENTATIVE CROFT referred to statistics from the April 1995                
edition of the American Journal of Public Health which he believed             
attributed to the conclusions reached by insurance companies that              
it is much cheaper for an induced abortion than it is to carry the             
child to term.  The information reflects that an induced abortion              
costs $416 while a term pregnancy cost $8,619.  The information                
does not address the continuing health care obligation after the               
child is born.  Condensing all those factors, a Department of                  
Health study showed that family planning or allowing people to do              
this sort of planning, shows about a 4 to 1 ratio of savings.                  
Number 1188                                                                    
REPRESENTATIVE CROFT referred again to a study from the Journal of             
Public Health, which showed over a five-year period, the known                 
failure rates of the various different methods of contraception,               
the cost of the method itself, and the cost to the insurance                   
company of the unintended pregnancy.  He pointed out the difference            
in cost between the oral contraceptive method and no method.  In               
reference to Chairman Bunde's question, he said this is using or               
not using, and there's a significant, about 7 to 1, financial                  
savings for the insurer.  The question then becomes, "How many                 
would use even if they had to pay for it?"  Based on a statistical             
analysis of whether it is cheaper to provide contraceptives or to              
not from a health care basis, it's clearly cheaper to provide them.            
Number 1247                                                                    
REPRESENTATIVE CROFT displayed Alaska statistics which indicated               
that of 10,222 births in Alaska in 1995, 55 percent of Medicaid-               
funded births were unintended.  Medicaid does cover contraceptive              
use, so it can be concluded that providing contraceptives is not a             
complete panacea; that is, without education or the willingness to             
use and use correctly, simply providing contraceptives is not going            
to cure everything.  He drew a correlation between the previously              
mentioned nationwide study which showed that about 75 percent of               
births for people under the poverty level were unintended and the              
55 percent of Alaska Medicaid-funded unintended births.                        
Number 1305                                                                    
CHAIRMAN BUNDE pointed out that no method of contraceptive is 100              
percent effective and even with access to contraception, there will            
be unintended pregnancies.                                                     
REPRESENTATIVE CROFT next discussed the cost of Medicaid-funded                
births in Alaska.  The prenatal care and follow-up care based on               
1993 data, and the first year of life care based on 1995 data,                 
indicate about a $10,000 cost from prenatal care through the birth             
and the first year of life compared to a cost of about $300 a year             
for oral contraceptives.  He directed the committee's attention to             
some of the additional yearly costs to the state of Alaska for an              
unintended pregnancy of a Medicaid-eligible woman.                             
REPRESENTATIVE CROFT reiterated that it is not a panacea but the               
starting point of effective child abuse prevention is pregnancy                
planning.  He discussed the consequences, statistically speaking,              
of an unplanned pregnancy in terms of the social costs; e.g., more             
likely to drop out of school, more encounters with the criminal                
justice system, and to becoming teen parents.  One of the                      
consequences listed that was particularly disturbing to him was the            
abortion rate in the United States is two to four times higher than            
other countries.                                                               
Number 1463                                                                    
REPRESENTATIVE FRED DYSON said based on information he had seen,               
there is no correlation between whether a child was intended or                
unintended and child abuse; however, there may be on the neglect               
side.  He said he'd be interested in seeing Representative Croft's             
data on that issue.                                                            
REPRESENTATIVE CROFT responded he would be happy to furnish that               
information to Representative Dyson.  He continued his discussion              
with the state of health plan coverage for contraceptives.  He                 
pointed out that 97 percent of health plans cover prescription                 
drugs, but 49 percent fail to cover contraceptives, and only 15                
percent cover all five reversible methods.  Many of the policies               
don't include contraceptives even if it's prescribed for a medical             
condition other than birth control.  He said that besides the                  
expected long-term financial savings societally, and the expected              
social benefits by families having more ability to control and                 
choose when they have families,  there is also an equity issue.  He            
quoted from an article, "Women's Health Insurance Cost and                     
Experiences 1994" in the Women's Research and Education Institute,             
"On average, women of childbearing age pay more for their health               
care than their male counterparts.  Women between the ages of 15               
and 44 pay 68 percent more in out-of-pocket medical costs, with                
reproductive health services accounting for much of the                        
Number 1619                                                                    
REPRESENTATIVE CROFT reiterated there are more uncovered medical               
expenses for women.  It's a team effort to create the child and it             
should be a team effort to take care of the child.  Unfortunately,             
it's not a team effort in paying for it or paying for the planning.            
In contrast, most insurance policies offer full coverage for drugs             
and devices for men.                                                           
Number 1659                                                                    
REPRESENTATIVE CROFT said in summary, there is a dramatic                      
difference in the abortion rates and the social statistical future             
between intended and unintended pregnancies.  Insurance coverage is            
currently not covering the family planning option and it is known              
that family planning saves money.  The goal is that all pregnancies            
will be intended and that people will only have families when it's             
a family decision.                                                             
CHAIRMAN BUNDE thanked Representative Croft for his presentation               
and inquired if there were questions of the sponsor.                           
Number 1718                                                                    
REPRESENTATIVE BRIAN PORTER presumed that some insurance companies             
were not providing coverage for contraceptives and asked                       
Representative Croft if he could explain why.                                  
REPRESENTATIVE CROFT said insurance companies have cost concerns.              
It's a matter of some guesswork as to the savings as well as how               
much it would cost insurance companies to provide this service.  He            
contends that it might save the insurance companies money in the               
long run.  It is interesting to note that Health Maintenance                   
Organizations (HMOs) cover contraceptives at a much higher rate.               
He thought the reason may be that HMOs see a whole community and               
the whole community cost and those people are less likely to move              
from carrier to carrier.  An HMO can see the cost on a more global             
level.  Representative Croft said to his knowledge, there is no                
Alaska insurance carrier providing this coverage as a part of their            
regular package.  Some carriers provide it as options; but it's                
generally not available.                                                       
Number 1774                                                                    
CHAIRMAN BUNDE noted that contraception is a concern or prohibition            
in some religions and asked if Representative Croft had received               
any feedback about public funds being used for a form of behavior              
which may be in conflict with religious feelings.                              
REPRESENTATIVE CROFT responded he had not had any of those                     
discussions.  He was of the opinion there was a distinction between            
mandating something and offering it as an option.  He noted that               
currently, contraceptive services are provided under Medicaid.                 
This would not be public money, but private money.  Also, it's                 
distinguishable from some of the recent cases in that this                     
legislation does not mandate that any particular doctor or hospital            
provide it if they don't want to.  It simply means that it would be            
a covered care; a person might have to look around to find it in               
the community, but it would be an insured cost.                                
Number 1828                                                                    
REPRESENTATIVE DYSON said his immediate concern with this                      
legislation was the propriety of a state requiring a private                   
company to add a line to its business that it chooses not to.  He              
likened that to the state telling Fred Meyers they have to start               
selling cars and asked Representative Croft to comment.                        
REPRESENTATIVE CROFT said that at some time in the development of              
cars, the installation of seat belts were mandated and each state              
then mandated the use of them.  He believed mandating the                      
installation of seat belts could be viewed as an interference in a             
car manufacturer's freedom to sell cars without them.  It made good            
social sense; it was not a huge burden on the design; and it was               
made available for everyone to use for preventive measures which               
would have great societal benefits.  He commented that he has been             
talking with the insurance industry about whether contraceptive                
services would be a substantial cost.  The industry doesn't view it            
as a huge cost, but the concern is more so with being told what to             
do.  The discussions have included how the insurance companies                 
assess and whether it's proper to put a mandate on a stream of                 
factors looked at.  Representative Croft said, "I think we fit                 
under even their definitions of when it's appropriate -- what you              
should look at before putting a mandate on the insurance industry."            
In his opinion, this is an appropriate protective device which may             
have a cost savings, or a small cost, but the societal health                  
implications that sometimes go unseen by the industry, make it                 
Number 1933                                                                    
REPRESENTATIVE DYSON asked what factors were used in the evaluation            
by the insurance companies.                                                    
REPRESENTATIVE CROFT noted that would be discussed in-depth in the             
House Labor and Commerce Committee, but some of the factors                    
discussed were how large the cost would be for each of the payers,             
what other procedures might it supplant, how available is it, is               
this a need that is being unmet, how great are the costs to society            
of it being unmet, et cetera.                                                  
REPRESENTATIVE DYSON said, "My sense is that insurance companies               
are in business to make money.  Aside from sounding good in their              
publicity brochures, why the heck do they think -- why should we               
think they really care about what's best for society."                         
REPRESENTATIVE CROFT responded, "... I think that's largely right.             
I don't know that I want every particular company pursuing their               
view of public policy - and probably don't if I'm an investor.  I'd            
like them to see that profit motive. And to some extent, it's our              
goal to guide that, put fence posts on it.  And as long as we're               
not shutting them in, closing down business, or unnecessarily                  
restricting it, if we're directing it the way we want it to go,                
that's better than other types of interference."                               
Number 2027                                                                    
REPRESENTATIVE J. ALLEN KEMPLEN asked if Representative Croft had              
determined if other states had passed similar legislation or would             
the result in Alaska be on the cutting edge.                                   
REPRESENTATIVE CROFT responded that it had been introduced, but not            
passed yet, on the federal level; Washington had passed legislation            
passed out of the House but not the Senate; and California passed              
legislation, but Governor Wilson vetoed it, with the stipulation               
that if changes were made, he might pass it.  Alaska would be on               
the cutting edge, but other states are actively considering similar            
CHAIRMAN BUNDE noted that a number of people wished to testify.  He            
asked Gordon Evans to come forward to present his testimony.                   
Number 2078                                                                    
GORDON EVANS, Lobbyist, Health Insurance Association of America,               
(HIAA), testified the Health Insurance Association of America is a             
trade association of commercial health insurance companies who                 
provide health insurance for approximately 55 million Americans.               
The HIAA opposes HB 350 for a number of reasons, not the least of              
which is that the provisions mandate a specific coverage of                    
something that is not basic health care treatment; the consequence             
of which in the long run would be to increase the costs and reduce             
the efficiencies of managed care.  The HIAA favors the preservation            
of a system which allows the prospective purchaser of health                   
insurance free choice of which risks that individual wishes to                 
cover from among the various coverages offered by competing                    
insurance carriers.  The HIAA also believes that the choice of how             
the policyholder spends what funds are available for health                    
insurance should be free of government decree and continues to                 
oppose the proliferation of benefits through a government mandate.             
The coverage mandated by HB 350 is generally considered to be                  
elective services.  If the coverage for contraceptive services is              
mandated, it will affect both individual and group policies and                
premium costs will be increased even for people who have no use for            
or do not want the coverage.                                                   
Number 2134                                                                    
MR. EVANS commented that he was not aware that most health                     
insurance plans "routinely cover abortions, sterilization and tubal            
ligations."  Like vasectomies, these are generally considered to be            
elective services.  As written, this bill could have a much wider              
application than he believed was intended.  In addition to major               
medical insurance policies, it could include Medicare Supplement               
insurance policies, long-term care insurance, specific service                 
policies such as dental or disability income, and hospital                     
MR. EVANS said according to his research, only one state has                   
enacted contraceptive coverage into law; that being Virginia.                  
California's legislation was carried over to this year; the                    
legislation died in Connecticut and Oregon; Hawaii carried over two            
bills; and Illinois, Massachusetts and New York have bills pending.            
Number 2192                                                                    
REPRESENTATIVE PORTER asked if Mr. Evans was aware of any cost                 
analysis being done between the two options.                                   
MR. EVANS was not aware of any, but said he would get back to the              
Number 2202                                                                    
REPRESENTATIVE KEMPLEN noted the sponsor had presented significant             
data documenting the cost to society of not providing                          
contraceptives to the citizenry.  He was of the impression it would            
be in the best interest of society to seek to minimize these costs.            
Since he has been in the legislature, he has routinely heard about             
reducing costs and doing things more efficiently and effectively.              
Based on the sponsor's statements, this proposed legislation                   
achieves that purpose.  It does present a more cost effective                  
approach to the use of resources in our society.  He asked Mr.                 
Evans for his comments.                                                        
MR. EVANS said there have been numerous attempts in this state and             
in the country on a whole, to bring in "socialized medicine" and               
the country has not accepted the idea of having society pay for                
health care for everyone.  The only state that has come close to               
that is Washington State, which ended up repealing most of what was            
Number 2294                                                                    
REPRESENTATIVE KEMPLEN said he was somewhat confused by Mr. Evans'             
response  in that he didn't understand how this legislation, which             
only requires that contraceptives and related health care services             
be included in health insurance coverage with existing health                  
insurance, moves in the direction of "socialized medicine" for                 
everyone.  He was of the opinion this proposed legislation makes               
contraceptives and related health care services a legitimate item              
to be covered by health insurance.                                             
MR. EVANS replied that any time a service is mandated, the cost of             
the insurance policy will increase, whether it's a group policy or             
individual policy.  A mandated offering on the other hand, is                  
where individuals have the option of selecting the coverage, and               
paying for it, if they choose the coverage.  The biggest insurer in            
the state ...                                                                  
TAPE 98-5, SIDE B                                                              
Number 0001                                                                    
MR. EVANS ... of Alaska, is self-insured, and if this coverage  is             
mandated, the state's costs will definitely increase.                          
CHAIRMAN BUNDE thanked Mr. Evans for his comments and asked Karen              
Pearson to come forward to present her testimony.                              
Number 0022                                                                    
KAREN PEARSON, Deputy Director, Division of Public Health,                     
Department of Health & Social Services, testified the division's               
interest is always access to care and providing information to                 
committee members to assist in deliberations.  She provided a                  
handout to committee members on Alaska demographic, birth,                     
pregnancy intendedness and contraceptive access/cost information.              
She said most of the data is from 1995, which is the most current.             
Number 0063                                                                    
CHAIRMAN BUNDE commented that over a period of time he has heard               
reports that Alaska has one of the highest teen pregnancy rates in             
the United States, if not in the world, and in fact, has been                  
compared with Third World countries in teen pregnancy rates.  He               
asked Ms. Pearson if those statements were accurate.                           
MS. PEARSON responded that Alaska is not at the top, but in the top            
one-third of the United States.  If those statistics are broken                
down by population, the young Native girls have one of the highest             
rates in the world; it's about double the national average.                    
Number 0101                                                                    
REPRESENTATIVE KEMPLEN asked if the department had any data which              
showed where a particular type service had been mandated and had               
resulted in a lower cost?                                                      
MS. PEARSON couldn't respond at this time, but offered to get back             
to the committee.                                                              
Number 0123                                                                    
REPRESENTATIVE VEZEY asked if the Alaska Native Health Service                 
provided birth control?                                                        
MS. PEARSON replied that federal funding is available.                         
REPRESENTATIVE VEZEY asked through what agency was it available?               
MS. PEARSON responded through the various delivery systems.                    
REPRESENTATIVE VEZEY observed that Alaska's population of Native               
teenage females has the highest rate of teenage pregnancies and yet            
they have access to federally-funded birth control.                            
MS. PEARSON replied that finance isn't the only access issue; there            
has to be a provider on-site to fill prescription contraceptives.              
She didn't know what role some of those barriers may play in the               
utilization versus just the funding.                                           
REPRESENTATIVE VEZEY confirmed that Ms. Pearson was saying that                
it's not just the cost of health care, but it's the availability               
of service, as well.                                                           
MS. PEARSON explained that cost is just one of several barriers,               
and availability of service could be a barrier for certain                     
REPRESENTATIVE VEZEY asked if funding was a problem for the Alaska             
Native teenage female population.                                              
MS. PEARSON said it would depend on where they lived.  Access                  
issues would be different for young Native women in a more urban               
area than it would be in a remote rural area.                                  
Number 0215                                                                    
CHAIRMAN BUNDE thanked Ms. Pearson for her testimony and called on             
Lauree Hugonin to present her comments.                                        
Number 0231                                                                    
LAUREE HUGONIN, Director, Alaska Network on Domestic Violence and              
Sexual Assault, testified the Network has about 20 member programs             
of which 13 have joined together to participate in a health                    
insurance program administered by the Network.  There are 184                  
employees, along with spouses and children, participating in the               
program and NYLCARE is the health insurer.  She testified in favor             
of HB 350 stating that most of the employees are women who are                 
employed and would like to take advantage of having contraceptives             
covered with their health insurance program.  The Network has been             
looking for several years to find a way to provide that benefit,               
but has been unsuccessful.  She pointed out that employees are                 
willing to pay an increased cost to have the benefit because they              
perceive the increased cost to be less than what is being paid out-            
of-pocket currently.                                                           
Number 0283                                                                    
MS. HUGONIN surmised that insurance companies will not absorb the              
increased cost; it will be passed on to the consumer.  She                     
reiterated the willingness of participating members to absorb the              
increased cost.  Lastly, she pointed out that contraceptives are               
not only used to prevent pregnancy; sometimes there are other                  
medical reasons women need to take contraceptives.                             
MS. HUGONIN concluded that there are employers across the state who            
have employees who would very much appreciate having this benefit              
Number 0312                                                                    
REPRESENTATIVE VEZEY inquired if Ms. Hugonin was talking about                 
employees or clients.                                                          
MS. HUGONIN replied employees.                                                 
REPRESENTATIVE VEZEY wanted to know why the Network, as an                     
employer, didn't offer this benefit to employees.  The Network                 
could pay the cost of this benefit out of the operating budget.                
Speaking as an employer, Representative Vezey said he didn't need              
the permission from anyone, including the Internal Revenue Service,            
to give his employees a benefit.                                               
MS. HUGONIN responded that it would probably be cost prohibitive               
because the programs wouldn't be able to pick up the cost.  Having             
it through health insurance, even though it may increase the                   
premium, would be a way for more employees to take advantage.                  
Number 0381                                                                    
SID HEIDERSDORF testified in opposition to HB 350.  He said                    
presumably the driving force behind this legislation is limiting               
and reducing unwanted pregnancies, especially teen pregnancies.  He            
had several reasons for opposing this legislation.  First, it is               
just one more example of government making demands on private                  
enterprise.  It is his opinion that insurance companies have the               
right to decide what kind of coverage to provide in health plans.              
The insurance company should have the freedom to negotiate with                
clients and not have specific coverage mandated by the state;                  
especially something like contraceptives.                                      
Number 0443                                                                    
MR. HEIDERSDORF said that some of his comments may seem foreign to             
many individuals, but he believes that it is time to come to grips             
with the harmful effects in the sexually permissive society today              
and one of the cornerstones is the availability of contraceptives.             
He discussed the social consequences including increased sexual                
activity, fornication, adultery, divorce, teen pregnancy, sexually             
transmitted diseases, abortion, et cetera.  The one aspect of                  
contraceptive use he wanted to address was its relationship to                 
abortion.  The conventional wisdom is that contraceptives will                 
reduce unwanted pregnancies and therefore, by extension, will                  
reduce abortion.  It's a seductively simple argument which sounds              
very logical; however, in the real world he believes it is false.              
Mr. Heidersdorf provided quotes from co-developers of the birth                
control pill and a former medical director of the International                
Planned Parenthood Federation.                                                 
Number 0543                                                                    
MR. HEIDERSDORF stated there has been unlimited availability of                
contraceptives for many years and things have spiraled downward.               
With respect to teenage pregnancies, the argument has been the need            
for better, more explicit and earlier sex education during the                 
school years.  The results have been a breakdown in normal sexual              
inhibitions of children and more sexual encounters.  As people were            
having more sexual encounters, more contraceptive failures, or                 
nonuse of a contraceptive, the result was more abortions.  While he            
didn't have statistics to substantiate this, he spoke with                     
certainty that with the availability of contraceptives during the              
last 20-30 years, there has been a drastic increase in teen                    
pregnancies and many unwanted pregnancies.                                     
MR. HEIDERSDORF maintained there is a contraceptive/abortion                   
connection on many levels.  First, confusion exists with many of               
the things called contraceptives; they are not contraceptives in               
the real sense of the term, but abortifacients.  Clearly, the                  
interuterine device (IUD) is an abortifacient, as are many pills.              
The effect occurs after conception but before implantation of the              
fertilized egg.  In addition, there are also categories of chemical            
contraceptives which no one really understands how they work.                  
There are true contraceptives which do not permit ovulation or some            
other method where the sperm and the egg cannot join.                          
MR. HEIDERSDORF views contraception and abortion as vastly                     
different.  With contraception, it's keeping the egg and the sperm             
separate; there is no human being.  However, once conception takes             
place, there is a human being and it is early abortion if that's               
the effect of the "contraceptive."                                             
Number 0713                                                                    
MR. HEIDERSDORF said there's also a certain contraceptive mentality            
which has made abortion more possible:  Sex without procreation;               
sexual freedom with responsibility; the widespread use of                      
contraceptives has crystallized the concept that babies are a                  
burden; and when pregnancy occurs, abortion is the logical solution            
to the problem.                                                                
Number 0729                                                                    
MR. HEIDERSDORF concluded that the widespread availability of                  
contraceptives has led to more sexual promiscuity and all the                  
harmful effects that have gone with it.  Certainly, insurance                  
companies should not be required to pay for something which he                 
views as part of the problem, not part of the solution.                        
Number 0776                                                                    
REPRESENTATIVE KEMPLEN referred to the statement that                          
contraceptives lead to sexual promiscuousness and asked Mr.                    
Heidersdorf if he had researched the social policies and sexual                
permissiveness in the European countries.                                      
MR. HEIDERSDORF indicated he had not.  The information he presented            
was based on what he has seen transpire over the years and talking             
with his children.  He assumed that if contraceptives are                      
available, it more or less allows an individual to have sex without            
responsibility, which increases permissiveness.                                
Number 0828                                                                    
REPRESENTATIVE KEMPLEN suggested that would be important data to               
examine because the European countries do have social policies that            
provide contraceptives more widely without having sexual                       
permissiveness running rampant through communities.  In his                    
opinion, the media and Madison Avenue, and the constant barrage of             
advertisements that use sex to sell products are more relevant to              
MR. HEIDERSDORF agreed that what children see on television                    
certainly has an influence.                                                    
Number 0877                                                                    
CHAIRMAN BUNDE asked if there was further public testimony.                    
Hearing none, he announced that HB 350 would be held in committee              
for further deliberation.                                                      

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