Prenatal care throughout pregnancy has been proven to have profound impacts on the lives and health of both mother and child. The fact that so many insurers do not provide maternity coverage, a basic necessity for women of child bearing age (not just for women planning to have babies, as 65% of US pregnancies are unplanned!), while covering basic benefits for men, can be considered discriminatory. A common argument, that because insurance is based on pooled risk, it would be unfair for men to have to pay for maternity care because it is a service they will never use, conveniently forgets the fact that by virtue of being born, all men have benefited from maternity care. Yet the forgetting continues: a sharp downward trend indicates that plans offering maternity services have decreased from 82% in 2004 to 19% last year and 12% this year.