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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.



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