Emergency contraception not covered by health plans

Does health insurance cover the morning after pill?


Dear Curious,

Emergency contraception, also known as the morning after pill or “Plan B”, is available over the counter.  This means that you do not need a physician’s note to get it.  It also means that health insurance plans generally do not cover it, along with other over-the-counter medicines like those for heartburn or urinary tract infections.  The cost of emergency contraception ranges from $50 to $70.

A medical reimbursement account or flexible spending account can pay for over-the-counter medicines.  That may be the only way to lower your out-of-pocket cost for this. You have to take the medicine within 72 hours of having unprotected sex, so you wouldn’t have time to apply for financial assistance (even if it were available).   Some manufacturers have coupons on their websites. It’s worth looking before you go to the drug store.

Linda Riddell

About Linda Riddell

A published author and health policy analyst with 25 years’ experience, Linda Riddell's goal is to alleviate the widespread ailment of not knowing what your health plan can do for you.