Insurance plans cover birth control and preventive services under the Affordable Care Act. While the law is still being implemented in some plans, it helps protect women's well-being and their right to affordable care.
The ACA helps American women access birth control and other preventive services. For most women, these services come without the requirement of a copay.
Covered Birth Control Methods
The types of birth control methods that are covered under the ACA must be FDA-approved to be eligible. They include:
- Birth control patch
- Birth control pills
- Birth control ring
- Birth control shot
- Cervical cap
- Contraceptive implant
- Permanent contraception methods
- Emergency contraception
Covered Preventive Services
In addition to birth control, the Affordable Care Act also requires most plans to cover other women’s preventive health care with no out-of-pocket expenses. These additional services include:
- Well-woman visits
- Screening for gestational diabetes
- Human papillomavirus (HPV) testing
- Counseling for sexually transmitted infections
- Counseling and screening for human immunodeficiency virus (HIV)
- Contraceptive methods and counseling
- Breastfeeding support, supplies, and counseling
- Screening and counseling for interpersonal and domestic violence
Birth Control Coverage is Law
As of July 2015, all health insurance plans are required to comply with this part of Obamacare, even for individuals who are employed by religious organizations or businesses that choose to opt out of providing contraception coverage. This also applies to people who are currently enrolled in a group health insurance plan, offered through their employer, or an individual health insurance plan they buy through an insurance marketplace.
Prior to the recent ruling put forth by the Department of Health and Human Services, religious organizations were exempt from providing contraception coverage to its employees.
Now these organizations must notify the federal government about their objections to providing contraception. The government then notifies the health insurance provider who can then provide a separate payment plan for employees who wish to retain their contraceptive coverage at no additional cost.
Maintaining an open dialogue with your employer and insurance provider can ensure that you have the contraceptive coverage you need. Under the Affordable Care Act, birth control and preventive services for women are available to most. HealthMarkets Insurance Agency is here to help guide you to the right plan.
Planned Parenthood: http://www.plannedparenthood.org/about-us/newsroom/the-affordable-care-act
US News: http://www.usnews.com/news/articles/2015/07/10/after-hobby-lobby-ruling-hhs-announces-birth-control-workaround