For Consumers

Reproductive health benefits

As of Jan. 1, 2019, all state-regulated health plans must provide additional coverage for certain reproductive health services. The Affordable Care Act requires insurers to provide free coverage for all federal Food and Drug Administration (FDA)-approved prescription contraceptives. State law requires this and now additional benefits, including:

  • Coverage for All FDA-approved, over-the-counter contraceptives with no cost sharing, including condoms, spermicides, emergency contraceptives and sponges.
  • Coverage for voluntary sterilization and vasectomies with no cost sharing.
  • If a health plan covers maternity services, it must provide coverage for abortion services.

No cost sharing

Health plans cannot require copays or deductibles when services are provided by an in-network pharmacy or provider, unless you have an Health Savings Account (HSA) plan. If you have an HSA, your plan may apply a deductible for over-the-counter contraceptive supplies or services, but it cannot be more than the minimum deductible for a HSA-qualified plan, which is $1,400 per individual.

Know your rights

Your health plan must provide these and other reproductive benefits to you and cannot: 

  • Require a prescription for over-the-counter contraceptive drugs, devices, and products approved by the FDA.
  • Deny coverage of contraceptives supplies or services because you changed contraceptive methods within a twelve-month period.
  • Impose an unnecessary burden, restrictions or delays on required coverage of contraceptive services and supplies due to medical management techniques.
  • Restrict, exclude or reduce coverage or benefits on the basis of gender.
  • Limit your choice in accessing the full range of contraceptive drugs, devices or other products approved by the FDA.

If you believe you've been wrongly denied this coverage, file a complaint and we will investigate. 

See additional health benefits for women.

Abortion services and Providence Health Plan members

Providence Health Plan has a religious objection ( to providing voluntary abortions and will not cover them, unless there’s a severe threat to the mother or the fetus is not sustainable.

For people enrolled in Washington state Providence Health Plans, the Washington state Department of Health ( will pay for abortion services. For information on how to receive these services, please contact DOH customer service at:

Providence Health Plan members (not Providence Health employer plans) can also get additional information on how to access abortion services by contacting the Washington Health Benefit Exchange (

Note: You’re not required to notify Providence Health Plan about non-covered abortion services.