r/HealthInsurance 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

346 Upvotes

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22

u/Haunted_Optimist Jul 28 '25

There should be a process for requesting an exception or waiver.

Also if your healthcare provider recommends a specific birth control method based on Medical Need, the plan should cover it.

Contact your insurance company for the steps involved in the exception process.

Contact the National Women’s Law Center; they have a project called CoverHer which can provide guidance and support.

I’m so sorry you’re having to go through this. It isn’t right. It isn’t fair. We the people shouldn’t have other people’s religious beliefs forced on us to the point it directly affects our healthcare.

2

u/Glittering-Read-6906 Jul 28 '25

They don’t have to cover it regardless of medical need.

-1

u/Honeycrispcombe Jul 29 '25

They do. I'm pretty sure the ACA requires it.

6

u/Actual-Government96 Jul 29 '25

Hobby Lobby sued, and now some exceptions are allowed due to religious objections. They had to come up with the cash to steal religious artifacts somehow.