Insurance coverage for all forms of contraception
Under current law, all insurers must cover at least one contraceptive method from each of the 18 distinct categories recognized by the FDA. The CCCA will require health insurance policies to cover at no co-pay all FDA approved contraceptive drugs, devices and products. That means that All New Yorkers- regardless of their gender – will be able to access the contraceptive method best suited for their health.
Access to 12 months of contraception
The average woman spends about three decades — more than three-quarters of their reproductive life — trying to avoid an unintended pregnancy. Research has shown that having a year’s supply of contraception on hand reduces a woman’s odds of an unintended pregnancy by 30%. In New York, insurance plans only allow woman one, or sometimes three, months of birth control, which means multiple trips to the pharmacy for refills, increasing the risk of unintended pregnancy. For some women, especially those in more rural areas, this is a dangerous burden that can interrupt consistent use of contraception.
Insurance coverage for over-the-counter emergency contraception (EC)
The CCCA will allow pharmacists to fill a non-patient-specific prescription for EC, similar to how flu shots and the shingles vaccine are provided. Currently, insurance companies will only cover EC if the consumer visits a healthcare provider, receives a prescription, and then fills it at a pharmacy. For women who cannot afford to pay out of pocket for EC, this wastes precious time and puts them at greater risk of unintended pregnancy.