Plans in the Health Insurance Marketplace must cover contraceptive methods and counseling for all women, as prescribed by a health care provider.
These plans must cover the services without charging a copayment or coinsurance when they’re provided by an in-network provider. This is true even if you haven’t met your deductible.
All Food and Drug Administration-approved contraceptive methods prescribed by a woman’s doctor are covered, including:
Plans aren’t required to cover:
For more information about specific contraceptive services your plan covers, check your plan’s materials or ask your employer or benefits administrator.
Health plans sponsored by certain exempt “religious employers,” like churches and other houses of worship, don’t have to cover contraceptive methods and counseling. If you work for an exempt religious employer and use contraceptive services, you may have to pay for them out-of-pocket. Contact your employer or benefits administrator for more information.
Some non-profit religious organizations (like non-profit religious hospitals and institutions of higher education that certify they have religious objections to contraceptive coverage) don’t have to contract, arrange, pay, or refer for contraceptive coverage.
Contact your employer or health plan for more information.