What are my birth control benefits?
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, coinsurance, or deductible when they are provided by an in-network provider.
Covered contraceptive methods
All Food and Drug Administration-approved contraceptive methods prescribed by a woman’s doctor are covered, including:
- Barrier methods (used during intercourse), like diaphragms and sponges
- Hormonal methods, like birth control pills and vaginal rings
- Implanted devices, like intrauterine devices (IUDs)
- Emergency contraception, like Plan B® and ella®
- Sterilization procedures
- Patient education and counseling
Plans aren’t required to cover:
- Drugs to induce abortions
- Services related to a man’s reproductive capacity, like vasectomies
For more information about specific contraceptive services your plan covers, check your plan’s materials or ask your employer or benefits administrator.
More Answers: Contraceptive Coverage
What if I work for a religious employer?
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.
What if I work for a non-profit religious organization?
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.
If your health plan is sponsored or arranged by this type of organization, an insurer or third party administrator will make separate payments for contraceptive services that you use. You’ll have access to contraceptive services without a copayment, coinsurance, or deductible when they are provided by an in-network provider. Contact your employer or health plan for more information.