I thought birth control was free with insurance—why am I still paying out-of-pocket for it?

If you are using a brand name birth control method instead of its generic version, this could be the reason. Just switch to the generic version and you should get it without out-of-pocket costs. If that’s not the case, you can contact the National Women’s Law Center (NWLC) and get their “Getting the Coverage You Deserve” toolkit. It will help you figure out if you’ve been wrongfully charged for birth control and how to appeal it. The toolkit even includes sample letters to make your case.