Does Health Insurance Cover Gardasil? 
The answer to your question is `` it depends '' . If you are still covered under a grandfathered policy not subject to all the requirements of the Affordable Care Act the answer could be either yes or no . You should check with your insurance carrier first and verify if the Gardasil vaccine is covered and , if so , under what circumstances . For health insurance plans compliant with the requirements of the Affordable Care Act -LRB- ACA -RRB- for plan years starting after August 1 , 2012 then the Gardasil vaccination is covered under the preventive care requirements of the ACA . The preventive care requirements of the ACA require that several vaccines be covered at no cost sharing -LRB- i.e. - no copay -RRB- to the member and Gardasil is one of these specifically for the prevention of the Human Papillomavirus . This requirement applies to essentially all individual and group health plans subject to the ACA though there is a limited exception for certain non-profit religious organizations such as churches and schools . 