Does job-based or Marketplace insurance cover tubal ligation?

Yes, usually covered at $0 as a contraceptive method. Sterilization for women is one of the FDA-approved contraceptive methods plans must cover without cost sharing in network. Cost: $0 in network, including related facility and anesthesia services.

Does Original Medicare cover tubal ligation?

Usually not: sterilization you choose to have isn’t covered. Medicare covers it only when needed to treat an illness.

Does Medicare Advantage cover tubal ligation?

Usually not: sterilization you choose to have isn’t covered. Medicare covers it only when needed to treat an illness. Medicare Advantage plans don’t have to cover it, but some include it as an extra benefit: check your plan’s Evidence of Coverage.

Does Medicaid cover tubal ligation?

Yes, Medicaid covers sterilization as family planning. A 30-day consent waiting period and age 21+ requirement apply.

Is tubal ligation covered by insurance?

Permanent female sterilization. Here’s how each kind of plan usually handles it.

Ask a specific question Plan a visit: cost and doctors Check it against my plan

Employer or MarketplaceUsually covered
Yes, usually covered at $0 as a contraceptive method.
More details
Sterilization for women is one of the FDA-approved contraceptive methods plans must cover without cost sharing .
Cost: $0 in network, including related facility and anesthesia services.
Original MedicareUsually not covered
Usually not: sterilization you choose to have isn’t covered.
More details
Medicare covers it only when needed to treat an illness.
Medicare AdvantageUsually not covered
Usually not: sterilization you choose to have isn’t covered.
More details
Medicare covers it only when needed to treat an illness. plans don’t have to cover it, but some include it as an extra benefit: check your plan’s .
MedicaidUsually covered
Yes, Medicaid covers sterilization as family planning.
More details
A 30-day consent and age 21+ requirement apply.

Plan type	How it’s usually covered
Employer or MarketplaceUsually covered	Yes, usually covered at $0 as a contraceptive method. Sterilization for women is one of the FDA-approved contraceptive methods plans must cover without cost sharing . Cost: $0 in network, including related facility and anesthesia services.
Original MedicareUsually not covered	Usually not: sterilization you choose to have isn’t covered. Medicare covers it only when needed to treat an illness.
Medicare AdvantageUsually not covered	Usually not: sterilization you choose to have isn’t covered. Medicare covers it only when needed to treat an illness. plans don’t have to cover it, but some include it as an extra benefit: check your plan’s .
MedicaidUsually covered	Yes, Medicaid covers sterilization as family planning. A 30-day consent and age 21+ requirement apply.

What usually has to be true

Use in-network providers and facility.

Good to know

Some religious employers are exempt from contraceptive coverage.

Birth control · Pills, IUDs, implants, injections, and other contraception.
Vasectomy · Permanent male sterilization.

Sources

Typical rules for 2026 plans, checked against these sources on October 20, 2026. Your plan’s own documents decide.

1
Birth control benefits
HealthCare.gov
Most plans must cover FDA-approved contraceptive methods prescribed by a provider, plus counseling, without cost sharing when obtained in network; certain religious employers may be exempt.
2
Preventive care benefits for women
HealthCare.gov
Covered services for women include mammograms, cervical cancer screening, BRCA genetic counseling and testing for those at higher risk, bone density screening, contraception, well-woman visits, and breastfeeding support and supplies.
3
Surgery
Medicare.gov
Medicare covers medically necessary surgery; inpatient surgery falls under Part A and outpatient surgery under Part B.
4
Compare Original Medicare and Medicare Advantage
Medicare.gov
Medicare Advantage plans cover everything Original Medicare covers (except hospice, which Original Medicare continues to pay), usually use provider networks, often require referrals or prior authorization, and may offer extra benefits such as dental, vision, and hearing.
5
Mandatory and optional Medicaid benefits
Medicaid.gov
States must cover mandatory benefits such as inpatient and outpatient hospital care, physician services, laboratory and X-ray services, home health, and nursing facility care; many other benefits, including adult dental, vision, and prescription drugs coverage details, are state options.

General information about how coverage usually works, not a decision about your plan. Your plan documents and insurer have the final word.

Is tubal ligation covered by insurance?

What usually has to be true

Good to know

Related

Sources