Reproductive and Contraceptive Methods Covered by Insurance
As of May 2015, federal regulations require that insurance providers cover all of the 18 contraceptive methods approved by the FDA for women at no additional charge. Any products or options recommended by a provider must be provided at no cost as well.
The following categories are required to have at least one option fully covered:
| Contraceptive Method | Options |
| Surgical sterilization | N/A |
| Implant sterilization | N/A |
| Implantable Rod | Multiple |
| IUD – Copper | Multiple |
| IUD – Progestin | Multiple |
| Injection | Multiple |
| Oral contraceptives – combined | Multiple |
| Oral Contraceptives – progestin only | Multiple |
| Oral Contraceptives – extended/continuous use | Multiple |
| Patch | Multiple |
| Vaginal Ring | NuvaRing only |
| Diaphragm with Spermicide | Milex Omniflex only |
| Sponge with Spermicide | Today Sponge only |
| Cervical Cap with Spermicide | FemCap only |
| Female Condom | Multiple |
| Spermicide alone | Multiple |
| Emergency Contraception-Progestin | Multiple |
| Emergency Contraception- Ulipristal Acetate | ella only |
Does this apply to men as well?
Items that are considered preventive such as male condoms may be fully covered by a carrier, but items such as vasectomies are not considered preventive and may be subject to copay requirements. If you're curious if your plan covers any of the above, contact your insurance carrier directly to receive clarification.