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An annual well-woman visit includes a breast exam, pelvic exam, and Pap smear (per screening guidelines). Your OB-GYN will ask about your menstrual cycle, sexual health, and contraception needs. For pregnancy, you will discuss prenatal testing, expected timeline, and delivery planning. The visit is a safe space to bring up any reproductive health questions.
See an OB-GYN for annual well-woman exams, irregular or painful periods, contraception counseling, pregnancy care, fertility concerns, menopause symptoms, abnormal Pap smear results, pelvic pain, urinary incontinence, or any concerns related to reproductive health. You do not need a referral. Most insurance plans allow direct access to OB-GYN care.
Well-woman visit: $0 (preventive) · Prenatal care + delivery: $2,000-5,000 (after insurance) · IUD insertion: $0 (covered preventive)
Annual well-woman visits are covered at 100% as preventive care under the ACA, with no copay and no deductible. Contraception (including IUDs and implants) is also covered at no cost. Pregnancy and delivery are covered under your plan's maternity benefits, though deductibles and coinsurance apply. Verify your OB-GYN is in-network, especially if you are planning a pregnancy.