Moving on, if you have an HMO, PPO, or POS plan you'll know if you do , then any procedures involved with obtaining birth control must be performed in-network to avoid any fees. For example, IUD insertions must be performed in-network if you want to get it for free. Only if there are no available in-network doctors who perform the procedure can the cost be waived. Finally, abortions and abortion-inducing drugs are not covered by Obamacare. Needless to say, should Obamacare fail or be revoked, you can expect to see birth control costs go back up.
Consider this graph:. Photocredit: Nora V. This would lower availability to all but the highest income-earners. Obviously, we don't want that to happen.
Unfortunately, with the appointment of Representative Tom Price as the head of Health and Human Services the department that controls Obamacare , a repeal is more likely than not. Prescriptions can then be filled in the facility or at a local pharmacy.
Some birth control, like spermicide, can be sold over the counter and can be purchased at a local pharmacy. Emergency birth control like plan B may be covered without a prescription. TIP : Make sure to check with your insurer first to understand what birth control is covered under your plan. You can also try looking into free RX cards offered online.
Some birth control is completely free with no out-of-pocket cost, even before your deductible, under all qualifying non-grandfathered plans, but not all birth control is free. If your plan covers birth control, then at least one choice from each of the 18 above FDA-approved categories must be offered with no cost-sharing your insurer pays the full amount.
If your plan is exempt, due to you having short-term health insurance or a grandfathered plan , then your birth control services may not be covered. You can still try to get free coverage by using these tips. Free means that there is no cost-sharing on at least one method from each of the 18 FDA-approved contraception categories.
Cost-sharing refers to money you have to pay: copays, coinsurance, and other out-of-pocket costs owed by the insured you. These religious employers would notify the U. Then they would no longer have to provide health insurance to their employees that covered birth control. In October , under the Trump administration, this exemption was expanded.
Now it allows almost any organization to opt-out of the birth control mandate,. Not only religious ones. As long as they feel providing contraceptive coverage violates their religious beliefs or moral convictions. The new rule also removes the provision requiring these employers to notify the government they are doing so. Now the only requirement is to notify employees of a change in their health insurance plan. Insurance companies can also refuse to cover contraception if they have a religious objection or it violates their moral beliefs.
And as expected, organizations and insurance companies without religious convictions have begun to take advantage of this loophole to avoid paying for birth control.
Another exception to the birth control mandate is grandfathered plans. Grandfathered plans are insurance plans purchased before the enactment of the Affordable Care Act.
Insurance companies who fall into this category can also opt-out of birth control coverage. If you are on a grandfathered plan, you can switch to a health insurance plan that covers birth control. The cost of birth control without insurance coverage can be quite expensive. One of the main goals of the Affordable Care Act is to expand the Medicaid program.
However, each state is different in terms of what services the Medicaid plan offers. In general, a variety of birth control methods like intrauterine devices IUD , diaphragms, or getting your tubes tied are available.
For example, there are generic and also name-brand birth control products on the market. An insurer can choose to cover only generic types of these methods. Insurers may charge co-pays for non-generic contraceptives.
However, under the ACA, if a contraceptive is medically necessary and there is no generic form of it available, the insurer is required to pay for it. The birth control ring is a prime example of this because there is only one type of birth control ring called the Nuvaring which is a name brand product.
It depends on the specific health insurance plan and what birth control method a woman has been prescribed. Plans may only cover a specific generic for each of the birth control methods, and then the patient may be required to copay for any contraceptive products that are not the ones on their formulary a formulary is the list of medications the insurance will cover.
When the ACA was passed, there were lawsuits regarding what employers and their insurance plans were responsible for when it came to contraceptive coverage.
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