Under federal law and New York State regulations, whether you get your healthcare insurance through your employer, the individual market, Medicaid, or Medicare, your insurance must cover certain preventive services without out-of-pocket costs. This includes, but is not limited to, breast and cervical cancer screening, osteoporosis screening, pregnancy related services, well woman visits, and contraception.
All forms of insurance—including employer-sponsored plans, individual market plans, and Medicaid—must cover federally recommended preventive services without charging cost-sharing.
That means you shouldn’t pay anything out of your pocket for these services.
Yes. If you get your insurance through the individual market or Medicaid, the plan must cover ten “essential health benefits,” including:
The information listed in this section does not constitute legal advice. It is always advisable to consult with an attorney about your individual circumstances if you have questions or think your rights as a worker have been violated.
To download the full New York Working Woman’s Pocket Guide as a PDF, click here.