@bobby. Some items on insurance are indeed not true insurance as they are known costs that the claimants can control.

Most private health insurance covers birth control because contraception is ultimately cheaper than abortion or carrying to term and a birth. That's not to mention contraception allows for family
Planning which helps the economy as women aren't forced into motherhood before they are are ready.

In that context it is not ridiculous but good business practices. A good part of insurance is to cover low cost preventative stuff that prevents higher cost problems later.

This is totally non political but again Republicans shirt on it to satisfy their base. The fact that they are advocating against good policy doesn't matter