![]() Other times you may have to pay a copay, or some or all of the costs. These tests are often part of your preventive care benefits, so they’re free with no copay, coinsurance, or other out-of-pocket costs even if you haven’t met your deductible. ![]() Coverage for other STD tests, like syphilis, chlamydia, and gonorrhea, may vary. Under the ACA, all insurance plans must cover HIV testing for everyone ages 15 to 65, as well as other ages if you have a higher risk for getting HIV. But whether your plan covers a specific STD test can depend on a lot of different things, including your age, gender, risk factors, and if you’re pregnant. Testing for certain STDs - like HIV, syphilis, chlamydia, and gonorrhea - is one of the preventive health benefits that most plans must cover under the ACA. The National Network of Abortion Funds may also be able to help you cover the cost of your abortion. You can use to find your closest abortion provider. If you need an abortion and you’re worried about cost, contact your local Planned Parenthood to see if they can help you get care. We believe everyone deserves access to the health care they need. Planned Parenthood opposes laws and policies that restrict coverage for abortion. Some plans will only cover an abortion under special circumstances, like if the pregnancy is the result of rape or incest, or it puts your life at risk. Some states ban certain types of insurance from covering abortion, like ACA marketplace plans and/or Medicaid. Some states ban all health insurance plans from covering abortion, while other states require all plans to cover abortion or don’t place limits on abortion coverage. Many private health insurance plans cover abortion, but some choose not to or aren’t allowed to in certain states. The best way to find out if you have coverage for abortion services is to contact your health insurance provider.Ībortion coverage varies depending on a lot of factors, like the laws where you live, what type of insurance you have, and the reason you need an abortion. ![]() The ACA does not require health insurance plans to cover abortion services, like in-clinic abortion and the abortion pill. If you need birth control that’s not covered by your health insurance, or you don’t have health insurance, call your local Planned Parenthood health center to see if they have any programs to help you get birth control for free or low-cost. Contact your state’s Medicaid agency to find out if you’re eligible. There are limited Medicaid programs that only cover family planning services (like birth control). Contact your health insurance provider or employer for more information. Others may use a third-party contractor or separate insurer for birth control coverage. Some religious organizations are allowed to refuse to cover birth control in their health insurance plans for employees. Plans are also not required to cover birth control for people with penises (like vasectomies, aka male sterilization) - but some may. Health insurance plans are not required to cover methods that you can buy over-the-counter without a prescription (like standard condoms and spermicide). The nurse or doctor who is prescribing your birth control can also help you figure out if your health insurance covers the brand you need. You can check with your health insurance provider to make sure your birth control is covered for free - and if it’s not, they can tell you how much it will cost. This includes birth control pills, implants, IUDs, the vaginal ring, the patch, the shot, internal condoms, diaphragms, cervical caps, tubal ligation (aka female sterilization), and emergency contraception.īut some plans require cost-sharing for certain brands of birth control, which means you may have to pay some of the cost out of pocket. Most health insurance plans must cover the full range of prescription birth control methods for free with no copay, coinsurance, or other out-of-pocket costs, even if you haven’t met your deductible.
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