Family Planning Medicaid in Florida is a limited Medicaid program that provides reproductive health coverage for up to 24 months to women who recently lost their full Medicaid benefits. It’s formally called the Family Planning Waiver, and it acts as a bridge so you can continue accessing contraception, STI screening, and other reproductive services even after you no longer qualify for standard Medicaid.
How the Program Works
The Family Planning Waiver is not the same as full Medicaid. It covers a narrower set of services, all focused on reproductive health. The program exists to reduce unintended pregnancies, improve child spacing, and keep women connected to preventive care during the gap after losing Medicaid eligibility. Florida has operated this waiver under a federal Section 1115 demonstration, most recently approved through June 2030.
The key distinction: this program is transitional. You don’t apply for it out of the blue. You become eligible when you lose full Medicaid coverage for any reason, whether that’s a change in income, the end of your postpartum coverage period, or any other qualifying event. Once you lose standard Medicaid, the waiver can pick up your family planning services for up to two years.
Who Qualifies
Eligibility is limited to women ages 14 through 55 who meet three conditions:
- Recent loss of full Medicaid: You must have been enrolled in a standard Florida Medicaid program and then lost that coverage.
- Income at or below 196% of the Federal Poverty Level: For reference, the 2025 federal poverty level is $15,650 for an individual and $26,650 for a family of three. At 196% FPL, that translates to roughly $30,674 for an individual or $52,234 for a family of three.
- Not otherwise eligible for full Medicaid: If you qualify for another Medicaid category that provides full benefits, you’d be enrolled in that instead.
You don’t need to report changes in income or household size during each 12-month coverage period. At the end of that year, you go through a redetermination to confirm you still qualify for a second 12-month period. If you later re-enroll in full Medicaid and lose it again, you can start a new 24-month waiver cycle.
What It Covers
This is where the “limited” part matters. Family Planning Medicaid covers reproductive health services specifically, not general medical care. Covered services include:
- Contraceptive supplies and methods
- Pregnancy testing
- Preconception counseling
- STI screening and treatment
- Family planning-related exams
What it does not cover: hospital visits, prescription medications unrelated to family planning, primary care, dental, vision, or any of the broader services included in full Medicaid. If you need comprehensive health coverage, you would need to qualify for a different Medicaid category or find coverage through the federal marketplace.
How Long Coverage Lasts
Coverage runs for a maximum of 24 months, split into two 12-month periods. Each period comes with continuous eligibility, meaning your benefits stay active for the full year regardless of minor changes in your circumstances. Between the first and second year, you’ll go through an annual redetermination to verify you still meet the income and eligibility requirements.
After the 24 months end, you’re no longer covered under the waiver unless you go back on full Medicaid and lose it again. Each new loss of Medicaid eligibility restarts the clock on a fresh 24-month transitional period.
How to Apply
Applications go through the Florida Department of Children and Families (DCF), not through a separate family planning office. You can apply online at myflorida.com/accessflorida or call the toll-free line at (866) 762-2237. The application process is the same general Medicaid application. DCF determines which program you qualify for based on your circumstances, so if you’ve recently lost Medicaid and meet the income threshold, you may be enrolled in the Family Planning Waiver automatically or directed to it during the eligibility review.
Where to Get Services
The Florida Department of Health offers family planning services in every county, either at county health department locations or through contracted agencies. These sites accept the Family Planning Waiver. You can find your local county health department through the Florida Department of Health website. Many private OB-GYN offices and community health centers also participate in Medicaid and accept this waiver, though it’s worth confirming with any provider before scheduling an appointment that they specifically accept Family Planning Waiver coverage, since it’s a different benefit package than full Medicaid.