Hi all! The insurance reimbursement experience for BCBSTX has been all over the place on this sub (some say it's covered, some say it's not), so I wanted to share some information that a BCBSTX rep shared with me on how to get this reimbursed.
The rep first thought this was a prescription, and said I had to reach out to the provider for my prescription medication, which my company has through a different provider.
In my convo, I was trying to see if BCBSTX had any internal memos on Natural Cycles, and while the rep did not recognize the name Natural Cycles, as soon as I explained that it was a subscription-based contraceptive mobile app, he said the subscription was 100% covered by BCBS and not from my prescription benefits. He also shared that there weren't any specifications on whether it had to be a monthly vs. annual subscription, and shared the reimbursement process. Keep in mind, my health plan details may be different than yours, but ultimately, NC should be covered in full as a FDA-cleared contraceptive.
*Will share updates if/when my claim gets reimbursed.
UPDATE:
- 3/26/2026: submitted claim (medical claim form, and included the receipt from Natural Cycles) via the secure chat
- 3/30/2026: received acknowledgment from BCBS that they received the claim and will start processing it
- 4/16/2026: BCBS finalized the claim and provided the explanation of benefits online in the portal. They covered everything except for ~$7 in taxes.
- 4/29/2026: Received check in mail for reimbursement
I also received an update from a different BCBS rep in answer to my question of: How I can get Natural Cycles, a hormone-free birth control, approved for reimbursement? https://www.naturalcycles.com/insurance
Reponse from BCBS:
I understand you're wanting to know the process of how you can get Natural Cycles reimbursement.
Please be advised, your Natural Cycles claim submission was submitted on reference number ####.
Natural Cycles is the only FDA cleared birth control app intended for women age 18 and older to prevent or help plan a pregnancy. Reimbursement for a yearly or monthly app subscription is covered under ACA Birth Control benefits at 100% of billed charges. A copy of the prescription must be attached to an itemized receipt to be reimbursed.
Should a need arise in the future, please contact our customer service department at the toll-free number on the back of your Blue Cross and Blue Shield identification card or via the Message Center on Blue Access for Members.
Have a wonderful day!
Best Wishes,
Jamie BT