Does Insurance Cover Birth Control?

Most of them health insurance Plans cover birth control at no cost to you. Some employers are exempt, and federal law creates exceptions that allow health plans to cover limited contraceptive options. But there are ways to ask your insurance company if you are forced to pay for contraceptives that your doctor has ordered.

Are contraceptives free?

If you have health insurance, birth control should be free for you because your plan is required to cover the full cost.

Birth control is a form of preventive care. Under the Affordable Care Act of 2010, most health insurance plans must cover the full cost of preventive care, meaning they don’t have to pay for it. coinsurance or copayment. In addition to birth control, preventive care covered under the ACA includes annual health screenings, health screenings and vaccinations.

The ACA’s requirements apply to contraceptives approved by the US Food and Drug Administration and provided to women (so methods such as vasectomies not included). Insurers must cover at least one type of each birth control method with no out-of-pocket costs for patients.

Contraceptives approved by the FDA fall into six categories:

  • Patient education and counseling.
  • Hormonal methods, including birth control pills and vaginal rings.
  • Implanted devices, such as intrauterine devices, or IUDs.
  • Barriers, including diaphragms and sponges.
  • Closing methods.
  • Emergency contraception.

When your insurance does not cover birth control

Even if you have health insurance, many provisions in the ACA may prevent you from getting free birth control. Here are the reasons:

Sign up for Tribune Newsletters

  • Who supports your health plan. Employers may not prescribe contraceptives to employees if they have religious or moral objections.
  • When your health plan was established. “Grandfathered” plans — or those that pre-date the ACA and remain unchanged — do not have to comply with all federal laws. Employers’ health plans often change from year to year, which means they lose their grandparents.
  • Where you get medical care. Insurance requires you to get preventive care through an online provider in order to complete it.
  • How your insurance company handles care. The ACA allows insurers to set appropriate rules regarding the health care they offer so companies can control costs and promote efficiency.

In fact, medical management systems can lead you to all kinds of medications and devices by giving you more money on brand options or jumping through hoops to find the birth control method of your choice. If your birth control method is not fully covered, you should talk to your doctor and go through the insurance waiver process.

Access to birth control without insurance

If you do not have health insurance or your insurance does not cover birth control, there are other ways to get birth control at low or no cost.

Low-income people who are eligible for Medicaid can get free birth control. In many areas, these services include birth control, according to the Kaiser Family Foundation.

Some clinics offer door-to-door birth control and contraception services at low or no cost. This Title X hospitals receive federal funding through the United States Department of Health and Human Services’ Title X Family Planning program.