I would like to get an IUD. Is my plan required to cover the full cost of the brand I would like get?
There are two kinds of IUDs: Hormonal and Copper. The federal law requires that most “non-grandfathered” plans must cover at least one hormonal IUD (marketed as Mirena, Skyla, Lilleta or Kyleena) as well as the copper IUD (brand name ParaGard) with no cost sharing. The plans must also cover the provider visits for insertion and removal, with no cost sharing. You should talk to your provider about which IUD is best for you. If your plan will not initially cover the hormonal IUD your provider recommends, you should ask your provider to request a “waiver” or “exception” from your insurance plan. There are exceptions, however; if your employer has a religious or moral objection to contraception they may not bet required to provide contraceptive coverage to their workers and dependents.