I am a teacher in SC with health insurance through the state’s health plan under Blue Cross Blue Shield. This insurance does not cover an annual gynecological visit nor birth control pills. I have contacted my insurer to ask why they don’t have to cover this under the Affordable Care Act and they said they are grandfathered in.
However, I did not obtain this health insurance until September 2011 and I thought I read that you were automatically not grandfathered in if you got health insurance after March 2010. I am so confused as to why the state health wouldn’t cover an annual well-woman visit when the majority of the state’s teachers are young females who only go to the doctor for a well-woman visit. I appreciate any help you can offer me in explaining why this service isn’t covered by South Carolina’s state health plan.