Will Your Health Insurance Cover Birth Control?
Agnus Smith | Published: June 14, 2018
In today's political climate it is hard to know exactly what is going on with your insurance plan. It seems like things are always changing and it is easy to get confused with what your plan actually covers. In order to avoid any surprises, you need to know if you have coverage to obtain contraception. Obamacare, which was introduced into law in 2010, has changed the way insurance companies deal with contraception.
The introduction of the Affordable Care Act (Obamacare) created new opportunities for families to get affordable health insurance. While changes continue to be made, the Affordable Care Act is the law for qualified health plans and most employer-sponsored health coverage. Some of the big changes that shook up the healthcare industry include mandating coverage for individuals who have pre-existing conditions, expanding Medicaid options and requiring that contraceptive care is covered by affordable health insurance plans.
Is Birth Control Covered by Health Insurance?
Most insurance plans do cover contraceptive care as required by law. The Affordable Care Act requires that health insurance plans cover contraceptive care unless they qualify for a religious exception. If you see an in-network doctor for your prescription, your contraception should be covered 100%, with no copay.
If you work for a religious employer who has objections to the use of contraceptives and you use employer-provided health insurance, your birth control may not be covered. Under the law, if an employer has been granted an exemption they are not required to sponsor health insurance plans that cover birth control. You could end up paying for the entire cost yourself if you find yourself needing contraceptive care.
Which Birth Control Is Covered By Health Insurance?
Not all contraceptive methods are created equally so it is important to know which methods are covered under your insurance plan. The Affordable Care Act requires that plans cover all FDA-approved methods of contraception. Hormonal birth control pills, diaphragms, sponges, IUD's, arm implants, emergency contraception (Plan B pills), and sterilization are all methods that are covered by insurance.
Each plan is different so you will want to check with your healthcare provider if you have questions on a specific contraceptive method. Check out this guide for a more in-depth look at what your health insurance policy may cover.
Which Birth Control Is Covered By Medicaid?
If you qualify for healthcare coverage through Medicaid you will still be able to get coverage for birth control methods. Your options for contraceptive care may be a little bit more limited under Medicaid as all FDA-approved methods are not required to be covered. Coverage varies from state to state so check with your state Medicaid office to find out which options are covered for you.
Can You Get Birth Control Without Insurance?
Even if you do not have health insurance you can still get access to contraceptive care through organizations such as Planned Parenthood. If you do not have health insurance the professionals at Planned Parenthood are available to help you find out how to obtain the right method of birth control for you.
Planned Parenthood is a healthcare organization that is dedicated to helping individuals get the resources they need. You can be sure that your visit will be confidential and that you will be treated with respect no matter what brings you to the office. You can get many other services at Planned Parenthood besides contraception, including STD testing.
How Much Does Birth Control Cost Without Insurance?
The cost of contraception without insurance varies depending on the method you chose. Some methods are more expensive than others. Organizations like Planned Parenthood will work with you, based on your income, to provide access to contraception if you do not have insurance.
The pill is one of the most cost-effective and reliable methods and can cost up to $50. NuvaRing is good for one month at a time and may cost up to $80. Other highly successful methods such as the implant can cost well over $1,000. If you can't afford the method that fits your needs visit your local Planned Parenthood office to discuss your options.
If you are in need of affordable health insurance, you should speak with a broker who can find you the best plan possible. The process of trying to find a plan that works well for you and is affordable can be quite daunting. Fortunately, there are resources that will help you along the way. Use this guide for advice on how to pick the best plan that works for you. You can also visit First Quote Health to get a free quote from an insurance agent.