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Whether birth control is included depends on the rider your employer purchases. Ditto for Viagra and every other drug. The insurance companies have different formularies that your employer can choose from (along with different co-pay levels). All part of my beef at being at the mercy of your employer when it comes to your benefits. If employers gave us vouchers and we could shop for our own insurance, we could tailor our riders to meet our needs and select the plan that balances our needs with our budget. We could also choose to purchase it from a different company.
As for EOBs.. Vandal Squirrel, BCBS of Michigan still does them by mail. This varies greatly by plan and having electronic EOBs is not a requirement by the BCBS Association. I would imagine that the elderly, who are not comfortable with electronic methods, would not be happy with electronic EOBs.
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