Hitting it raw

So the person who I am talking to wants to have Sex with me and hit it raw which means without a condom but I'm not on birthcontrol yet because due. To change of health insurance so I have a new doctor . So I wanna wait. Until I get on birthcontrol again . How long does it take to kick in . Me and my special someone are always sexually active but we've never had sex it's either we give each other head . Or he fingers me