Several colorful birth control packets with colorful abstract shapes on a pink background

Birth Control and Health
Insurance: What You Need
to Know

By Lizzie De La Cruz April 6, 2021

Health insurance policies can be extremely complicated to understand, especially when it comes to prescriptions. Brands, types, doses – it all seems to make a difference to how much you have to pay out-of-pocket. Many people don’t know exactly what they will be paying until they ring it through at the pharmacy. And what about online prescriptions? Is birth control online covered? It all can be very confusing, so let’s sort out some of the most common questions.

Birth Control Insurance Coverage FAQ’s

You’ve got questions, we’ve got answers. We’ve compiled a list of the questions people ask all the time about the costs of getting their birth control online. Let’s get into it!

What types of birth control methods are covered?

Fortunately, the Affordable Care Act of 2010 guarantees that most private health plans must cover certain types of birth control. The types of birth control covered include birth control pills, diaphragms, emergency contraception (the morning after pill), and some surgical procedures. There are a total of 18 different kinds of birth control covered. If your state allows for birth control online, then it should be covered as well.

Does my insurance company have to cover my birth control?

The Affordable Care Act made it a requirement that all health plans cover birth control except in a few cases:

  • Insurance provided by houses of worship
  • Plans purchased before March 23, 2010
  • Short-term health insurance
  • Alternative plans that specifically exclude birth control

If your insurance plan does not fall into any of these categories, then your birth control, and in some states your birth control online will be covered.

What will my co-pay be?

In most instances, the Affordable Care Act ensures that you do not have to pay anything out-of-pocket for your birth control. There are some exceptions so make sure you check with your insurance company to make sure. Most people, though, are completely covered. Co-pay exemptions may apply to certain brands and may or may not apply to birth control online.

What are the exceptions for birth control online?

In some states, birth control online is covered and available. Some states have more restrictive laws surrounding how and where you can purchase birth control so you’ll want to check with your local laws. Check out online birth control shops like Wisp to find out if they can ship to you or your pharmacy.

What if I don’t have insurance?

If you don’t have insurance, there are still affordable and accessible birth control options. Birth control online is one of the easiest and cheapest ways to get reliable birth control. Places like Wisp do not charge for you for a doctor’s visit and offer options starting at $5/month.

Navigating health insurance can be such a headache. If you have any questions about birth control or purchasing birth control online, then you should contact your health plan provider. The good news is that the Affordable Care Act has made birth control accessible and affordable to millions of Americans.

One of the best ways to access birth control, with or without insurance, is through companies that supply birth control online, like Wisp. Wisp offers a very easy, private, and secure way to access birth control, emergency contraception, and vaginal health medications. Their dedicated team of doctors are available to prescribe medications free-of-charge. Prescriptions can be shipped directly to you or be made available at your local pharmacy. Stay in charge of your birth control on your terms.

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