It's a big day for women across the country as a part of President Obama's health care reform law goes into effect today.

What this means for insured women is that their insurance companies can offer eight services for free. No co-pay or deductible is required. However, those without insurance, roughly 20 million women throughout the U.S., are out of luck.

Before the law, many insurance companies did not cover all services or charged high co-payments. That could be changing now, depending on your provider. Also, the services may not take effect until you renew your insurance, so for some that could mean nearly a year without the benefits.

The eight free services include: free breast-feeding supplies, contraception and counseling, counseling for domestic violence, well-woman visits (meaning annual physicals and pap smears), diabetes screenings, HPV testing, counseling for STI's, screening for HIV.