Post # 1
So, if I’m not mistaken now that the ACA is in effect, some types of birth control must be free, right?
How do I go about this? Do I still have to pay the full price of an appointment with an ob gyn? I’m literally BROKE right now and want to go on the pill again, but only if I can get it for free.
Anybody can help me? I’ve been insured for only two months (out of my entire life!) and have no idea how this works.
Also, last May I went to planned parenthood, saw a doctor, and left with three months worth of pills… maybe I can pick up a copy of my prescription from then?
BTW; I know I could simply call my insurance and ask… But I hate talking on the phone because I have a thick accent. So I thought I’d come here first.
Post # 3
@bebero: Have someone else call your insurance company for you if you don’t like talking on the phone. That’s the only way to find out for sure. It’s not a disaster either way. BCP are a luxury. There are other ways to prevent pregnancy.
By The Way I apologize if that came across as nasty. It wasn’t directed towards you. I’m just getting fed up with my patients not being able to get their blood pressure meds and other essential things of that nature because of the ACA.
Post # 4
@bebero: I went to the OBGYN and filled my birth control pills all for free last time. No co pay for either. I went ot he doctor like normal and filled my perscription like normal.
Post # 5
Most insurance plans cover a yearly exam or only charge a copay. Does it say on your card or do you have any of the paperwork?
Post # 6
Yes you probably have to see a dr first in order to get a prescription, unless planned parenthood will refill for you.
And yes your BC should be covered by insurance (at least in some capacity, such as certain brands or generics), but no gaurantee’s unless you know your benefit plan’s specific information.
Post # 7
@bebero: Definitely contact your insurance company somehow!!! My insurance company has a website where you can check the cost of prescriptions (and compare different pharmacies). No talking on the phone 🙂
The reason you ABSOLUTELY need to check with them is that not all plans HAVE to adhere to all parts of ACA. For example, my company has a “grandfathered plan”. That means that they don’t have to adhere to all aspects of ACA, and in turn, Birth Control is only covered if it is medically necessary.
Post # 8
The only way to get a completely right answer is to talk to your insurance carrier, they can see your plan. Everybody else is going to just be guessing.
Post # 9
@bebero: Do you have a regular gynecologist? I’d go to them, have an appointment, and get a prescription for BC. Take it to CVS…and it should be free. Mine started being free in August of 2012. You could also explain to your doctor that you cannot afford the costs of a high-end brand-name pill, and she’ll prescribe something generic. My new insurance card took OVER A MONTH to arrive, so I paid for my pills the other day — it was $18. Not too too much — it used to be $30 — and the pharmacy usually has discount cards available. Good luck.
Post # 10
My insurance covers it all the way. I just have to go for my annual and pay my co-pay and I can only pick up one month at a time.
Before when I didn’t have insurance I would go to PP and pick them up in three months rx as well. When I ran out I called them and had to bring a pay check stub and pay a portion. That was before the law change though. I would call and ask.
Post # 11
Are you insured right now? My insurance pays for 1 women’s wellness visit per year where I don’t think I have a copay at all. They will only pay for generic BC pills, but I don’t have to pay a copay for them either. If I want name brand, I have to pay 100% out of pocket.
Post # 12
Your insurance should pay for 1 well woman appointment per year, so go to that and get a prescription for BCP. That appointment should be covered. You might have to call and ask how much it is if you really want to know if the pill is completely free. My generic BCP were free. Even when I paid for them in the past they were less than $5 a month, but it’s going to depend on your insurance.
Post # 13
@bebero: As others have said, your insurance should cover one “wellness visit” a year without any copay, and generic birth control pills (as well as IUDs) should be completely covered with no copay as well. There are some exceptions though and the only way to know for sure before you book an appointment is to call and as your insurance company. Also be sure to check which providers are covered under your insurance, and make sure they’ll be billing it as a “wellness visit”.
Post # 14
THANKYOU SO MUCH!! I’m gonna figure out the wellness thing right now. I feel a little better calling with this piece of information, lol. I’m fluent, just get shy on the phone.