For Consumers

Women's health insurance rights

 Important: Starting Jan. 1, 2024, Washington state-regulated health plans must cover medically necessary diagnostic and supplemental breast exams with no out-of-pocket costs for the covered patient. This includes exams using breast magnetic resonance imaging or breast ultrasound  (

Under state law (, health insurance companies must give female patients direct access to women's health care providers and to allow them to self-refer to services, such as:

Women’s health care providers include:

  • Licensed specialty doctors, such as gynecologists and obstetricians.
  • Licensed physician assistants or registered nurse practitioners specializing in women's health and midwifery.

Your health insurance company must allow you to:

  • Choose a participating women's health care provider from its network provider list.
  • Self-refer to a network provider to receive women's health care services.

Health reform for women's health services

Due to health reform, most health plans must cover a list of preventive health services for women (, such as:

  • Breastfeeding supplies
  • Counseling for sexually transmitted infections
  • Domestic violence screening
  • Gestational diabetes screening
  • HPV (human Papillomavirus) testing
  • Mammograms
  • Prescription contraceptives
  • Well-woman visits (including routine breast and pelvic exams)

In addition, if you receive these preventive services from a network provider for an individual or small group plan, you won't be charged a copayment, coinsurance, or have the charges applied to your annual deductible.