healthcare costsCost sharing is a reality for many people with health insurance today, but a number of women's preventative services should be available to you with no copayment or coinsurance, even if you haven’t met your yearly deductible, as long as you see an in-network provider for your plan.

Tops on the list for many women is contraception.  According to, the Affordable Care Act (ACA) requires that insurers fully cover the cost of at least one form of contraception in each of the methods that the Food and Drug Administration has identified for women in its current Birth Control Guide, which includes birth control pills, the ring, the patch, and intrauterine devices.

The issue came to the forefront recently when the U.S. Department of Health and Human Services restated the wellness care provisions of the law in the face of complaints from women who said that their insurers were not covering the cost of contraception services like birth control pills.

Along with contraception services, your insurer should also be picking up the full cost of screenings for cervical cancer, HIV screening and counseling, screening and counseling for sexually transmitted infections such as chlamydia, and gonorrhea and syphilis screening and counseling.

Also, breast cancer mammography screenings for women over age 40 are fully covered, as is osteoporosis screening for at-risk women over age 60, and Human Papillomavirus (HPV) DNA testing for women age 30 and over.

Other wellness services that are fully covered under the ACA include paying for folic acid supplements for women who may become pregnant, and breastfeeding comprehensive support and counseling from trained providers, including access to breastfeeding supplies for pregnant and nursing women. Insurers are also required to pay the full cost of tobacco use screening and interventions for all women.


Northline Women's Health Center Locations:

15675 Northline Road

Southgate, MI 48195

(734) 282-3600
(734) 282-3603 - Fax

23050 West Road, Suite 210

Brownstown Twp., MI 48183

(734) 362-7000
(734) 362-7077 - Fax