Health insurance mail-order signup wiped me out financially

lyndausvi · July 2015

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

This.

I'm not on BC now, but when I was it was never free. Never expected it to be free either. Too me it's no different than any other prescription.

Some insurances it's free. Other's it's just your co-pay (and that various greatly). If you are insured under Holly Lobby, then it's not covered at all and you have to pay full price.

ShesSoCold · July 2015

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

I could be wrong, but I think it also depends on your state. I think all BC is covered 100% in IL.

julieanne912 · July 2015

lyndausvi said:

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

This.

I'm not on BC now, but when I was it was never free. Never expected it to be free either. Too me it's no different than any other prescription.

Some insurances it's free. Other's it's just your co-pay (and that various greatly). If you are insured under Holly Lobby, then it's not covered at all and you have to pay full price.

Yup. With my previous policy, it was free, no copays. With my new one that starts up, I'll be paying a $40 monthly co-pay ($90 for 3 months should I stay on it long enough to switch to mail order).

Pre-"obamacare", I paid about $70 a month as my insurance didn't cover it but I had a discount card.

cgss11 · July 2015

No, I never expected it to be free either. I just know that I used to pay for it monthly, then one time I went to the pharmacy and they said it was now covered. It was that way for a few different plans I had, I just assumed it was a universal thing.

This may be of some help, info on the affordable care act. http://time.com/money/3854480/free-birth-control-insurers/

anjemon · July 2015

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

It's never been free on my insurance. I'm hoping now that I'm on H's insurance it will at least be back to $20.

sal2015 · July 2015

anjemon said:

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

It's never been free on my insurance. I'm hoping now that I'm on H's insurance it will at least be back to $20.

It's free on my insurance these days. I can't remember how much it cost before, but it's $0 now.

kvruns · July 2015

lyndausvi said:

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

This.

I'm not on BC now, but when I was it was never free. Never expected it to be free either. Too me it's no different than any other prescription.

Some insurances it's free. Other's it's just your co-pay (and that various greatly). If you are insured under Holly Lobby, then it's not covered at all and you have to pay full price.

Birth control under the ACA is covered with 0 cost sharing, meaning no co-pays even if it is through insurance. The caveat is that plans have some control over which methods they cover so it could be that someone has a method not covered at $0 and thus has to pay but the general rule is that if it is through insurance it is free and copays cannot be applied.

As for Hobby Lobby, if your plan is from a closely held for profit religious organization like that you still have access to free birth control its just the plan doesn't cover it but rather the insurance company covers the cost (probly a hassle). Churches and nonprofit religious organizations can opt out completely and I do believe in that situation you would have to pay but that is different from the Hobby Lobby case.

lovesclimbing · July 2015

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

Yea. H and I did not have a insurance for a long time because we couldn't afford it. Now, we're part of a medical expense sharing program, which is basically only for one-time things. For example, it covers a broken leg, pregnancy, emergencies, but it doesn't cover basic recurring things such as BC, dental and vision stuff, physicals and routine checkups, etc.

[Deleted User] · July 2015

ShesSoCold said:

julieanne912 said:

cgss11 said:

Forgive me, but I thought that all birth control was free now from some health act?

I know when I was taking the pill it was, and my iud was also free.

Depends on your insurance. Since I don't have any, it is not free.

I could be wrong, but I think it also depends on your state. I think all BC is covered 100% in IL.

I'm in IL and I pay $2.34 a month for mine. Used to be free but when I changed employers they had a different insurance company and they now charge a small fee for the one I'm on.

This still depends on your insurance company.

freebread03 · August 2015

My BC has been $0 for a very long time (not "free" though--its $0 because I have great insurance, that I also pay an arm and a leg for). I've thought about switching to a high deductible plan, but I like the flexibility of basically going to any Dr. I want to (I have a PPO) and not having to go to a primary care provider to get a referral to a specialist, etc. Luckily I'm quite healthy, but it seems like when I get sick, its the real deal (I've been to Urgent Care twice in the past 3 years).

kvruns · August 2015

freebread03 said:

My BC has been $0 for a very long time (not "free" though--its $0 because I have great insurance, that I also pay an arm and a leg for). I've thought about switching to a high deductible plan, but I like the flexibility of basically going to any Dr. I want to (I have a PPO) and not having to go to a primary care provider to get a referral to a specialist, etc. Luckily I'm quite healthy, but it seems like when I get sick, its the real deal (I've been to Urgent Care twice in the past 3 years).

You can do those same things with HDHP too. HMO is restrictive but typically HDHP network is the same as PPO

Health insurance mail-order signup wiped me out financially

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