Is contraception covered for employees by health insurance?

2018 HSA contribution limit

Generally yes, but it varies for men and women.

For Women

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 Methods and 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

For Men

Items that are considered preventive such as male condoms may be fully covered by a carrier, but items such as vasectomies aren't considered preventive, and may be subject to co-pay requirements.

To Sum it Up

At least one option of every type of female contraception must be covered by employees' health insurance. For men, condoms may be covered, but other procedures often come with a co-pay.

Helpful Links:

Birth Control Benefits - healthcare.gov

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