r/HealthInsurance • u/sweetbabycoconut • Jul 28 '25

Employer/COBRA Insurance Insurance doesn’t cover contraceptives because they said they’re a Christian-based organization

i use birth control to stop my periods and when i called my insurance to check for coverage this morning they said they don’t cover contraceptives for religious reasons

the estimate from my provider is around $2000 without insurance so just double-checking about alternative routes i can take given that information

insurance is from virginia mason hospital & they switched to bcbsil from first choice this year if that’s relevant

25 in wa with a $25 wage

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u/HOWDOESTHISTHINGWERK Jul 28 '25

Are you sure this is major medical, ACA compliant insurance and not a health share?

Christian health shares are known for this type of thing, but not usually actual insurance products.

If it’s a health share, you might need to talk to your employer about finding a secular option.

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u/Informal-Lynx4583 Jul 28 '25

Hobby lobby carves out contraceptives… some plans are still grandfathered.

25

u/chickenmcdiddle Moderator Jul 28 '25

It's not even a matter of being grandfathered. Self-funded plans can specifically exclude coverage for certain things on moral or religious grounds.

2

u/Informal-Lynx4583 Jul 28 '25

Correct. And those not subject to ERISA