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It is not normal practice. Most companies do cover it, but some are holding out as long as possible. By late this year or early next year, ALL insurance companies will be legally required to carry it under Obama's new health care package.
I feel your pain. When I was on my mother's plan in college I paid $12/month. Now schools over and Im on my own work plan its more like $75/month. Needless to say, I sought alternatives.
I can't believe that. That sucks! I know it's not the best form of BC, but you should look online to see where you can get free condoms. I know they have a ton of locations in NYC. They probably have something similar where you live.
are you able to get it through your school? If not, I believe planned parenthood can be of help.
My Insurance company (through my parents as well, until I get married) will cover it for a little while, but it seems like I will be on something for a month before they decide to stop covering it (first Nuva Ring, then Yaz). As far as I know though a bill has been passed that makes it so that all health insurance HAS TO cover birth control. Its supposed to go into effect this year, I am not sure what month though.
Its a pretty pathetic world though that most insurance companies have covered VIAGRA for years and most still don't cover birth control.....
Wow thats insane. I started getting my birth control through planned parenthood when i was in college due to my parents strict beliefs against it. I have continued to get my BC through them even now that I have health insurance because it is much cheaper. My prescription is $18 per month. You should check it out! They are so nice and I have never had any problems!
My old insurance was really amazing.. except for when it came to contraceptives. It would only cover contraceptives if your doctor wrote a letter deeming them medically necessary for you or your treatment AND the insurance co dr agreed with them. Maybe try that route - or if push comes to shove, check with Planned Parenthood
I am under my moms as well and they have never covered birth control as well. I pay around $75 a month for nuvaring and that is through planned parenthood. Its rediculous but I pay it since we can't afford to have a baby right now. I feel your pain right now though.
Ofcourse, If guys bled out of their penis everymonth and could get pregnant, it would be free.
Anyways, that really sucks! Unless you can afford an alternative health plan theres not much to be done. I second checking out planned parent hood and see if their sliding scale can work with you!
If there is a generic version try that. Mine (yaz) would be like 75$ a month but I opt for the generic version for $15. It definitely depends on your insurance though. My old job had GREAT insurance and it was only 20$ for name brand and it was 10$ for a THREE month supply of generic.
@hisgoosiegirl: I used to get mines thru PP also while in College. They charge me based on my income and that made it dirt cheap since I was poorrrrrrrrrr.
@Eva Peron: I so agree. If a men needs it then it would be covered a longgggggggg time ago.
Thanks everyone! My parents are paying for it, so I'm not really that worried about it. I just didn't know if it was normal or not. I have enough birth control stocked up to last me until the wedding. I didn't know about the new bill. Hopefully that will go into effect soon so I won't have worry about if my husband's insurance will cover it. He suggested the "pull and pray" method, but that's not going to happen. :)
You should go to a county health clinic. They will have a sliding pay-scale. During college, working part-time, the most I paid was $5/pack. When I didn't have a job at all, they were free.
Many pharmacies have birth control pills cheap- Krogers has trinessa for $9/month.
I never had really good insurance so I have always use to go planned parenthood or used the clinic on campus.
Try Planned Parent Hood. I have my own insurance policy and I was paying nearly 80 dollars a month for my Nuvaring. I called and asked what I could get it for through them and I now pay 75 dollars for a three month supply. Still not cheap, but totaly worth it.
$200 for 3 months is about right since its about $75 a month for nuvaring. Are you on a high deductible plan? That would make it so there is no perscription coverage. If thats the case, your dad may have an HSA that your employer contributes to. He could also be contributing to it (pretax). That money can be used for perscriptions, bandaids, eyeglasses, anything health related. The amount of money one can save is outrageous. Normally, this plan is picked if you don't visit the doctor often.
You can go to PP even with insurance. I used to and it saved me tons!
I've definitely heard of insurance companies not covering contraception...but covering the little blue pill for men (not mentioning the brand because it seems to attract spammers...starts with a V).
I dont know what kind of bc you are on but I get mine for 9 bucks at Walmart without insurance so you might want to look into that until you get things figured out with the insurance
My old insurance was like that. They wouldn't cover it for a non-contraceptives medical reason. It was clear I was not taking them for pregnancy prevention (heck, a nun wrote the prescription), but the insurance wouldn't pay and I couldn't get them at the campus pharmacy. Plus, the students without a medical purpose for taking them couldn't get a prescription at all on campus (the only place our insurance covered non-emergency visits). I feel your pain!
@mink: I hope that the reason insurance covers the little blue pill is because it has other uses besides treating ED.
http://www.sciencedaily.com/releases/2007/07/070727182359.htm
Covering it for its main purpose alone is stupid.
I work for a Catholic hospital and our insurance doesn't cover any birth control. You should be eligible for low cost BC at a clinic or planned parenthood, are there any in your area?
I'm still on my parent's insurance, and they won't cover my birth control either because I'm not the policy holder or spouse. I'm on the generic pill Aviane now, and it only cost me $24.99 a month. If the insurance covered it, it would be $4. I would try the health department or Planned Parenthood.
Ugh wow that's expensive to say the least. When I was on my dad's insurance, Kariva (generic Mircette) was 2 dollars and some change every month! When I grew too old to be on his insurance, my new insurance didn't cover it and I ended up paying 50 dollars each month for it.
Once I had a better plan it ended up being 8 bucks a month, so yes, some insurance covers it while some insurance doesn't. Thank goodness for Obama's plan, right? Better to cover contraceptives than the cost of millions of unplanned pregnancies. Or you could just not have sex, ever (ha ha ha!).
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I am still a poor college student, and I am under my parents' insurance. I have always been on both of their insurances, but at the beginning of the year, my mom's insurance was going up so she decided to drop me. So now I am only on my dad's insurance plan. I had my prescription transferred over, and I just had them refill my birth control (nuvaring). It ended up costing almost $200 for a 3 month supply! After a phone call to the insurance company and some online investigation on the insurance website, I have learned that this insurance company will not cover any contraceptives. Not nuvaring, not any of the pills, nothing. In my mind, it's way cheaper for an insurance company to pay for birth control than to pay all the expenses that go along with a new baby.
Is this normal practice by insurance companies? Does any one else's insurance refuse to cover any birth control? I sure hope my soon to be husband's insurance isn't like this, or we may have a little one way before we want to!