For Consumers

Insurance coverage for prescription contraceptives

Under health reform, most health plans must cover FDA-approved contraceptive methods prescribed by an in-network medical provider without cost-sharing (such as copayments, deductibles, and coinsurance) as part of preventive services (

What's covered

Most plans that include prescription drugs must provide the same level of coverage for prescription contraceptives ( as they do for other prescribed drugs and devices including:

  • Contraceptives on your plan's drug list (also called formulary), if they use a formulary for other covered prescriptions.
  • All medical services associated with prescribing, dispensing, delivering, distributing, administering and removing prescription contraceptives, just as they do for other covered outpatient services.
  • FDA-approved emergency contraception when prescribed by a medical provider.

Health plans issued or renewed on or after Jan. 1, 2018, that include prescription coverage for contraceptive drugs, must reimburse you when you get a 12-month refill of contraceptive drugs all at once, or you or your medical provider request a smaller supply.

If you get your coverage from certain religious employers, your plan may provide the contraception through a special accommodation.

Health plans cannot:

  • Deny coverage for prescribed FDA-approved contraceptive methods (including prescribed over-the-counter contraceptive methods.)
  • Charge a copayment or coinsurance for an FDA-approved contraceptive method.
  • Limit you to certain contraceptives, such as generics only, without allowing you to ask for a waiver if your provider says your preferred contraceptive is medically appropriate.
  • Restrict, exclude, or reduce coverage or benefits on the basis of gender.
  • Impose benefit-waiting periods, limits or restrictions on prescription contraceptives they don't impose on other covered prescribed drugs and devices.

What you pay

If you have a grandfathered plan not covered by health reform, you may be responsible for any copayments, deductibles and coinsurance for prescription contraceptives and associated services, just as you are for other prescription drugs, devices, and/or services.