Does the plan you are looking at cover the prescription birth control you use?
Every Marketplace plan must cover the full range of prescription birth control methods (pill, implants, IUDs, etc.) for free with no copay. This includes birth control pills, implants, hormonal IUDs, non-hormonal IUDs, vaginal ring, the patch, the shot, emergency contraception, etc. But some plans will require a copay for certain brands, so you should check with the insurer to be sure the birth control you need is covered for free, and if not, find out how much it will cost.

If you are considering changing your method of birth control, or even changing from a brand name to generics, Planned Parenthood can help you figure out what method is right for you.

What maternity care services are covered? 
Every plan will cover essential maternity and newborn care. Plans on the Marketplace will cover some prenatal services and screenings for free with no copay, as well as breastfeeding counseling, services, and supplies with no copay. However, the other covered services and copay amounts vary greatly from plan to plan, so make sure you know what and how much a particular plan covers before selecting it. For Medicaid, all covered pregnancy-related services (prenatal care, labor, delivery, and postnatal care) are covered for free, with no copay.

If you are pregnant or just had a baby and are covered under your parent’s plan, please keep in mind that your parent’s plan may not cover your newborn.  It's important to call your parent’s insurance provider to see if you can add your newborn to the plan.  

After you give birth, you may also be eligible for a special enrollment period, which means you will have 60 days to enroll yourself and your child, or just your child, into a new, more affordable health plan in the Health Insurance Marketplace. To find a plan that meets your needs and to see if you could be eligible for financial help, click here. You or your newborn may also be eligible for low-cost or free coverage through Medicaid or CHIP

If you need to consider ending a pregnancy, it’s important to know that abortion coverage will vary from state to state and plan to plan. Some states have banned coverage of abortion altogether, and some plans just don’t cover abortion services and procedures.

Learn more about abortion services.

Does the plan cover your current provider (a specific doctor, OB-GYN, or health center you prefer, such as Planned Parenthood)? 
Insurance plans have a “network” or list of providers where you can use your insurance. Not every plan will include every provider, so check to see if your current provider is included in the plans you are considering.

If you want to have Planned Parenthood as an option for care, make sure you choose a plan that includes us as a provider. 

To find out which plans include Planned Parenthood, use our plan finder tool.

Does the plan have OB-GYNs and other women’s health care providers close to where you live or work? 
You’ll want to be sure to pick a plan that includes OB-GYN providers, like Planned Parenthood, and other women’s health care providers that are easily accessible to you. For many women, OB-GYN providers are their main source of health care – so it’s even more important that providers are nearby – whether it’s close to home or work.


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