Contraceptive Coverage Under the Affordable Care Act (ACA)

The Affordable Care Act (ACA) mandates that most health insurance plans cover a wide range of preventive services, including contraceptive care, without cost-sharing (such as copayments or deductibles). This means that you should not have to pay anything out-of-pocket for FDA-approved birth control methods, including at least one type of each of the following:

– Barrier methods: Condoms, diaphragms, and sponges
– Hormonal methods: Birth control pills, patches, and rings
– Long-acting reversible contraceptives (LARCs): Intrauterine devices (IUDs), implants, and shots
– Emergency contraception: Plan B and other pills that prevent pregnancy after unprotected sex

Understanding Exceptions to Contraceptive Coverage

There are a few exceptions to the ACA’s contraceptive coverage mandate:

– Religious or moral objections: Employers with religious or moral objections to providing contraceptive coverage can apply for an exemption. However, these exemptions are rarely granted.
– Grandfathered plans: Health plans that were in place before the ACA was passed in 2010 may not be subject to the contraceptive coverage mandate.

If Your Insurance Plan Denies Contraceptive Coverage

If your insurance plan denies coverage for contraceptive care, you have the following options:

– File an appeal with your insurance company: You can submit a written appeal to your insurance company, explaining why you believe your claim should be covered.
– Contact your state insurance department: You can file a complaint with your state insurance department if your insurance company denies your appeal.
– Seek assistance from a licensed agent: A licensed agent can help you navigate the insurance process and ensure that you receive the coverage you are entitled to.

Additional Resources

– [ACA Contraceptive Coverage Mandate](https://www.healthcare.gov/coverage/birth-control-coverage/)
– [How to File an Appeal with Your Insurance Company](https://www.healthcare.gov/health-coverage-plans/how-to-appeal-an-insurance-companys-decision/)
– [National Women’s Law Center: Get Birth Control Coverage](https://nwlc.org/get-birth-control-coverage/)