The cost isn't reduced anymore, and that's another contributor to this problem. $300 for a neuter, $550 to get shots and a neuter for a stray at local veterinary offices. You have to find a non-profit doing low-cost operations to get a cat neutered for under $150 in my state. Insurance in the veterinary market was a truly cruel and stupid idea.
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I think the thing it does is prevent migraines. I was getting 1-2 a month and now it's 1-2 a year. Smoking after a migraine starts makes me feel like my head might actually fall off my body, no fun.