I don't understand it either momof4. There is no "free" here unless the employer pays 100% of the premiums for the employee. This, imo, is just another case of men pushing their agenda against women for whatever reason. If the Insurance allowes a coverage, it is up to the individual as to whether they want to use that portion of the coverage. Since when do we have to ask the employer if we can? I am completely astonished at the number of State governments that are pushing some of these ridiculous laws. It is clearly an assult on women.