Insurance Question/birth control

All insurance plans differ, so I would contact the insurance company directly. They can look up the details of your plan and let you know what is and what is not covered.

As far as having to pay each month - that's something to discuss with the doctor's office. They may have payment plans or they may require you to pay in full up front.

Good luck!

I didnt know that you can stay on your parent insurance after you are married.

My insurace covered my IUD, but I had to pay a deductable $150. There are no monthly visits or payments.

Your parent's company contract with a pharmacy benefit manager (PBM) and they negotiate what drugs are covered and for what copays. You'd have to call the number on the back of your prescription drug card to get a specific answer. Now that I think if it, though, IUDs need to be inserted by a physician, so that may all go under your medical benefit. It may be best to call the number on the back of the medical card as well, just to be safe.

If you're under 26, your parents can still cover you. (There's constant changes with healthcare reform so I might be wrong.) But, I believe that once you're married, they won't be able to cover you.

Most insurance policies will cover you up to age of 26. There are a few exceptions for groups that have been with the same insurance company for a long time.

IUDs are covered under the medical portion of your health insurance so you would have to call them to find out if it is covered and if you have to pay any deductible, coinsurance, or copay. Most companies also have it so that you can email them rather than call.

My mom has checked with her insurance since the Health Care bill passed, and your parents' insurance can cover you up to age 26 regardless of whether you are married, so long as your employer or your spouses employer does not offer you insurance.

Thanks so much! My parents are checking to see if it is covered!

Thanks so much dragonfly726!

My fh is in the Army so it would b the same kind of insurance (tricare) and they do. U would either get it for free or have to pay a small co pay

Dragonfly- are you sure? I thought parents could cover their children up to age 26 (varies by policy, some are 23) if they are still living at home or away at college and only if they are still dependent on the parents as their sole means of support. Being married, I'm pretty sure all insurance companies drop you.

If nothing else- get the IUD NOW, before you get married. Then, you won't have to worry about it for a few years.

And when FH gets into the military, get on Tricare Prime! There are NO copays, and it's at no additional cost to your family. Heck, FH can even get certain cosmetic surgeries covered for him- like LASIK, at no additional cost.

Most policies are age 24 (if you are in school full time) and are a dependant. i believe once you are married you are no longer seen as a dependant. If you are changing your name you could wait until that process is fully completed to notify the insurance company. Your parents could always call ahead just to find out too.

I hope this help:

Nevada

NRS 689C.055 allows an unmarried, dependent child who is a full-time student to remain on his or her parent's insurance up to age 24 if parent is covered by small group policy.

NRS 689B.035 requires that dependents retain coverage beyond age of policy termination if they are incapable of self-sustaining employment due to disability.

@Megan B. That is the way that it has always been until President Obama signed the Health Care Bill into law.

You can read the specs of the new law here:

http://www.healthcare.gov/law/provisions/youngadult/index.html

Now, most health plans that cover children must make coverage available to children up to age 26. By allowing children to stay on their parent's plan, the Affordable Care Act makes it easier and more affordable for young adults to get health insurance coverage.

Your adult children can join or remain on your plan whether or not they are:

- married;

- living with you;

- in school;

- financially dependent on you;

- eligible to enroll in their employer’s plan, with one temporary exception: Until 2014, “grandfathered” group plans do not have to offer dependent coverage

I am covered with my parents and am 23, not a student and completely independent of my parents. other than health insurance, i pay for everything else. I think i might call tomorrow to find out how much the upfront payment would be for me to get mirena before we get married. We don't plan to ever have children so we need me to get on something. Thanks ladies for all the help, i really appreciate it!

Yeah new healthcare reform is up to age 26 regardless of your child's means as long as they aren't being offered it through their employer or spouse's employer. I know this because this law went into effect literally 2 weeks after I turned 26 and at the time had no health insurance ...