For Consumers

Women's health insurance rights

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:

  • Maternity care.
  • Reproductive health services.
  • Gynecological care.
  • General exams.
  • Preventive care.

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:

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

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.