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.
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 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.
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.
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.