Surgeries, dental care, neuropsych, psych meds, physical and psych therapy, even some types of cessation care, pain relief, antibacterial efforts, hospital stays and emergency room visits (even the stupid ones from someone being a total idiot like when my husband was 17 and he fell off the cab of a moving truck), broken bones . . .etc.
But having a child or not having a child - the most extreme life altering path that could ever be taken because it's creating a new life that's entirely dependent on the parents for countless years . . . that is nothing but a personal 'problem'
And why just reproductive care being an individual responsibility - we cover all things related to pregnancy itself. Even DNC if the mother miscarries. Prenatal vitamins, pap smears, sonograms, urine testing, glucose screening, diabetes treatments, nutritional supplements, therapy for those who have odd cravings, Lamaze is even covered by some insurance companies.
You're dumbing it down to being like diapers and formula (which some are covered if it's of a special-nature)