Your insurer should be providing certain preventive services, including contraception, without a copay or out of pocket cost to you, even if you have not yet met your deductible for the year. These services include –
- Breastfeeding support, supplies, and counseling;
- Screening and counseling for interpersonal and domestic violence;
- Screening for gestational diabetes;
- Cervical cancer screening, including DNA testing for high-risk strains of HPV;
- Counseling regarding sexually transmitted infections, including HIV;
- Screening for HIV, gonorrhea, chlamydia and syphilis;
- FDA-Approved Contraceptive methods and counseling – although your insurer can limit free contraceptive coverage to generics brands on their formulary
- Prenatal Vitamins
- Mammograms every 1-2 years for women over age 40
- Well woman visits.
Are you still being asked for a copay for contraception or preventive services?
Call your insurer and find out why. (Some insurers have been grandfathered in and still don’t have to pay.)
If you do that and are still not getting the answers you need, the National Women’s Law Center has a toolkit to help that includes templated appeals letters on a range of preventive services.
Still not sure what to do?
Call 1-866-PILL4US or email pill4us@nwlc.org.
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- Read about the healthcare law at the HSS Website
- Fact Sheet on covered Preventive Services.
