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Health Care Reform:

Health Insurance & Affordable Care Act

Birth Control Coverage: FAQ

Does the plan cover any other types of birth control services?

Yes. You also can get contraceptive counseling from your doctor at your well-woman visit at no additional charge. That includes information on:

  • The types of birth control that are available
  • How these methods work to prevent a pregnancy
  • Which type of birth control might be best for you

When does this new coverage start?

Most health insurance plans now cover birth control. Plans that existed before the health reform law may be grandfathered in and not have to offer this coverage. Check your policy or call your insurance company for information about your coverage.

Can I get brand-name birth control pills?

Insurance companies can charge you a copay, coinsurance or deductible for a brand-name drug if a generic version is available, unless your provider determines there is a medical reason why you need the brand-name drug instead of the generic.

Is birth control covered for men in health insurance plans?

No. Only women's birth control is covered. Health insurance companies do not have to pay for services related to a man’s reproductive capacity, such as condoms and vasectomies. In some states, Medicaid provides family planning services and supplies to eligible men and women under the state plan. Contact your local state Medicaid agency to see if you qualify for coverage for family planning services.

Are "morning-after" pills covered?

Emergency contraceptives, such as Plan B One-Step, Next Choice, and Ella, are covered when prescribed by a health care provider.

Do health insurance plans have to pay for "abortion pills"?

No. Health insurance plans are not required to pay for Mifeprex (mifepristone), a pill that induces abortions.

Who is now covered under Medicaid expansion?

The Affordable Care Act creates new opportunities for states to expand their Medicaid programs to cover individuals age 19-64 with incomes up to 138 percent of the federal poverty level. With this expansion, many more women may be eligible to get their birth control paid for by Medicaid. Go to Healthcare.gov's Medicaid expansion information to see if your state has expanded coverage. Also, some states have chosen a separate option created under the Affordable Care Act to provide family planning services and supplies to certain individuals; you can contact your state Medicaid agency to find out if you are eligible for coverage under this option.

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