QUESTION

I thought that contraceptives were now covered, but I heard on the news that some employers don’t have to cover it. Is that true?

Post enrollment issues | Employer-Sponsored Coverage
ANSWER

Generally, all employer-sponsored health insurance must provide contraceptive coverage without cost-sharing unless your plan is a grandfathered plan. See Resources, ACA Consumer Protections for Private Coverage for information about grandfathered plans. However, a recent change in federal rules allows an employer or an insurer that has an objection based on “sincerely religious beliefs or moral convictions” to exclude some or all contraceptives from a health plan. However this exemption is being legally challenged. 

This is an area that is constantly evolving. If you have a question, you should ask your employer or insurer what is covered or contact the National Women’s Law Center here if your employer or insurer says contraception is not covered. (CMS, ACA Implementation FAQs – Set 36, Jan. 9, 2017). 

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