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Does Health Insurance Cover Abortion

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State Policies To Increase Abortion Access

New Montana Bill to Ban Coverage of Abortions by Health Insurance Plans | EWTN News Nightly

Some states have made efforts to expand access to abortion to make up for gaps in health insurance coverage. California, New York, Oregon, and Washington state require nearly all fully funded health insurance plans to cover abortion care. These models have proven to be a relatively comprehensive solution: Californias system likens abortion coverage to maternity care in terms of coverage requirements. New Yorks system requires all insurance policies to cover medically necessary abortion carebroadly defined as necessary to prevent, diagnose, correct, or cure conditions in the person that cause acute suffering, endanger life, result in illness or infirmity, interfere with a persons capacity for normal activity, or threaten some significant handicap. The Reproductive Health Equity Act in Oregon requires fully funded health plans to cover abortion without cost sharing. Washington state recently passed a law, S.B. 6219, which requires fully funded health insurance plans that offer maternity care to also cover abortion care and contraception.

How The Us Health Insurance System Excludes Abortion

Abortion is considered to be a separate, politicized entity within the broader health insurance system, but a lack of coverage for this critical health care can have devastating impacts on women.

  • Anusha Ravi

Abortion access is a critical right for all people, regardless of their race and socio-economic status, that helps ensure long-term economic security for women and families across the nation. Access to reproductive health care can empower people to be able to continue their education, pursue a fulfilling and economically secure career path, and choose if and when to have children. In order to protect and expand access to this safe medical care, health insurance options must include abortion coverage.

Abortion coverage varies based on health insurancewhether a person has insurance through Medicaid, the Affordable Care Act marketplaces, a private employer-sponsored plan, or another source. States also have a significant amount of control over how individual health insurance companies cover abortion. Insurance coverage of abortion, therefore, has become location- and coverage-specific, creating challenging circumstances for people seeking abortions, especially low-income people, many of whom are women of color.

This issue brief outlines several health insurance categories and explains how each respective type of insurance generally covers abortion.

Q: Does Medicaid Cover Abortions

A: As you’ve heard a few times already, the Hyde Amendment bars the use of federal funds to pay for abortions . It doesn’t keep states from using their own funds to pay for them in a wider range of situations via their local Medicaid programs.

In fact, 17 states currently cover all or most of their Medicaid enrollees’ abortions.

Thirty-two states follow the Hyde Amendment and only pay for Medicaid enrollees’ abortions if a woman is raped, the victim of incest, or if the pregnancy puts her life in danger. The District of Columbia’s Medicaid program operates in the same way.

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Does Cigna Cover Acupuncture

Yes, some Cigna plans cover acupuncture, but only in cases where the treatment is deemed medically necessary. In these cases, the patient must have one of the following conditions: tension-type headaches or migraine headaches with or without aura musculoskeletal joint and soft tissue pain resulting in a functional deficit, such as the inability to perform job functions nausea associated with pregnancy, when co-managed or post-surgical nausea, when co-managed. Patients must also meet a number of medical necessity factors, including defined and evidence-based goals, co-management by a medical physician, and monitoring of outcomes.

Acupuncture is not covered for those seeking to improve or maintain general physical condition, or when significant therapeutic improvement is not expected.

Is Abortion Legal In Rhode Island

Coverage for Abortion Services and the ACA

Yes. Abortion is legal, but there are restrictions if you are under 18. In Rhode Island, people under 18 are required to have the consent of one parent or legal guardian to have an abortion. If this is not possible, the state provides an alternative called “judicial bypass” which means you go to court to have a judge determine that you are mature enough to make this decision without a parent’s consent. Local abortion clinics can link you to counselors trained to help with this process and to accompany you to court.

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Do I Need Health Insurance To Go To Planned Parenthood

Whether you have insurance or not, you can always visit your local Planned Parenthood health centerfor the care you need, when you need it.

Many health insurance plans include Planned Parenthood as an in-network provider this means your health insurance will pay for all, or most, of the cost of your health care at a Planned Parenthood health center. You can either call your insurance company or your local Planned Parenthood health center to learn whether Planned Parenthood is in-network with your health insurance plan. Find a Planned Parenthood health center near you.

What Does The Planned Parenthood Green Card Cover

This program provides coverage for family planning-related health care including: Most FDA approved birth control methods, devices, and supplies including birth control pills, condoms, the patch, Nuvaring, IUDs and Nexplanon. Emergency contraception and follow-up care. Male and female sterilization.

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Whats Going On With The Aca

The Affordable Care Act also known as the ACA or Obamacare is still the law of the land. There have been failed efforts in Congress to repeal the ACA, so the law is still in place. There have been some administrative changes to the ACA , but you can still get affordable, comprehensive health insurance.

You can buy coverage through Health Insurance Marketplaces: Healthcare.gov, or your state Marketplace. Visit the websites to compare insurance plans and see if you qualify for financial assistance.

Under the ACA:

  • Most plans must cover preventive health services like birth control and wellness exams at no cost to you.

  • Most plans must cover essential health benefits, like maternity and newborn care.

  • You can stay on a parents health insurance plan until youre 26.

  • Insurers cant deny you coverage or charge you more if you have a pre-existing health condition .

  • Insurers can no longer charge you more just for being a woman.

Read more about your rights and protections under the ACA and what Marketplace insurance plans must cover.

Does Health Insurance Cover Abortion Pill

New York Now Requires Employers Cover Abortions in Employee Health Insurance Plans

The abortion pill is sometimes separated from what is called surgical abortion because it is typically taken within the first 10 weeks of gestation, and essentially forces a miscarriage.

It requires no tools or any assistance of a medical professional. In fact, its often taken at home, sometimes days after the pill was received from a physician.

Unfortunately, this medical abortion falls under the same restrictions of other abortions services.

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Does Health Insurance Cover Wellness Exams

Yes. Most health insurance plans must cover preventive health care for free with no copay, coinsurance, or other out-of-pocket costs, even if you havent met your deductible. This includes wellness exams gynecological exams, annual exams, or well woman exams for people under 65. Wellness exams include services like pelvic exams, Pap tests, breast exams, STD testing, and birth control counseling all covered under health insurance.

Other preventive care services, like vaccines, cholesterol screenings, blood pressure screening, and certain mental health screenings are also covered under most health insurance plans.

Most plans cover at least one wellness visit per year. But they may cover other preventive services, tests, and screenings more or less often, depending on the current medical guidelines and your own personal medical history. You can talk with your doctor or call your health insurance provider for more information on coverage for preventive services. Read more about preventative care benefits.

If you dont have insurance, the costs for these services can vary. Your nearest Planned Parenthood health center can talk with you about your options for affordable care. Many people qualify for free or low-cost wellness exams at Planned Parenthood health centers.

Abortion Coverage By Region

The following information covers Canadian citizens and permanent residents, as well as other people covered under provincial, territorial or federal health insurance systems. If you are not covered by provincial, territorial or a federal health care insurance plan, check with the local facility that provides abortion care to determine what costs are associated with services in your region.

Abortion care is available in all provinces and territories, but not in every city.

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Q: Can I Get A Health Plan Through My State’s Insurance Marketplace That Covers Abortions

A: It depends on where you live.

The Affordable Care Act allows states to restrict how plans sold through their health insurance marketplaces cover abortions. At the moment, 26 states do this to varying degrees.

Six other states don’t limit how their marketplace plans cover abortion. But they also don’t currently offer any marketplace plans that include such coverage.

If you live in any of these states, you won’t find a marketplace plan that covers abortion outside a limited number of situations. See nwlc.org for more information.

What If Im On A Parents Or Partners Insurance Plan And I Dont Want Them To Find Out About My Abortion

Pro

When you use your health insurancewhether you have coverage through an employer, a marketplace plan, or Medicaidthe insurance company sends a document, usually called an explanation of benefits or , to the policy holder explaining what the provider charged and how much insurance will pay for your care. This is a concern for many people seeking an abortion.

Only four in 10 privately insured abortion patients use their insurance to pay for the procedure. For the other six in 10 who are privately insured but dont use their coverage, it could be that they have a plan that doesnt cover abortion, or the provider isnt in network, or they have a high deductible, or that they dont want to use their insurance,” Donovan says. “There are confidentiality concerns given the stigma around abortion. People may be concerned that an employer, partner, or family member will find out.

Federal law prevents your employer from accessing sensitive health information without your permission, so your employer wont find about your abortion because you used your insurance. You can also ask your health insurance company not to send your parents or partner an explanation of benefits, or to send it to a different location. Unfortunately, federal law only requires them to honor that request if disclosing the information would endanger you. However, 13 states have put stronger protections in place.

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Restrictions On Private Insurance Coverage Of Abortion: A Danger To Abortion Access And Better Us Health Coverage

HIGHLIGHTS

  • Antiabortion conservatives have long sought to eliminate private insurance coverage of abortion, and their main tactic in Congress has been to push for barring health plans from covering abortion if any part of the plan is paid for with federal dollars.
  • Abortion coverage is already severely restricted and difficult to obtain in many parts of the United States, and further federal restrictions will make things worse for patients who need abortion care.
  • The obsession with banning abortion coverage threatens broader efforts to expand and improve U.S. health insurance coverage and to make it more affordable.

One long-term goal of antiabortion conservatives has been to eliminate abortion coverage in all private insurance plans, just as they have eliminated abortion coverage under Medicaid in most parts of the United States already. In a number of the most conservative states, antiabortion policymakers have pursued their goal directly: Eleven states have outright bans on abortion coverage in all private insurance plans regulated by the state, and many additional states have bans for segments of the insurance market, such as in Affordable Care Act marketplace plans or plans for public employees .1

References

1. Guttmacher Institute, Restricting insurance coverage of abortion, State Laws and Policies , 2018, .

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Access To Plans That Cover Elective Abortions

Because abortion and the ACA are both such polarizing issues, the areas where they intersect are, unsurprisingly, political powderkegs. Pro-choice organizations fear that onerous regulations could result in abortions becoming more difficult and expensive to obtain, while anti-abortion groups are concerned that premium subsidies could potentially be funding elective abortions if the carriers are not strictly adhering to the separate funds requirement laid out in the ACA.

But in reality, how accessible is non-Hyde abortion coverage for people who buy their own health insurance? A Kaiser Family Foundation analysis of 2019 health plans indicated that there were:

  • 26 states where non-Hyde abortion coverage is banned for all plans sold in the exchange.
  • Eight states where non-Hyde abortion coverage is not banned, but no insurers offer such coverage
  • Five states and the District of Columbia, where all available exchange plans include non-Hyde abortion coverage, despite no state laws requiring it.
  • Six states where state law requires all exchange plans to include non-Hyde abortion coverage .
  • Six states where state law does not require or ban non-Hyde abortion coverage, and at least one insurer offers this coverage in at least part of the state

Legislation: Federal And State

HHS Disregards Law on Abortion Coverage in Health Insurance Plans

At the federal level, the Affordable Care Act and cases such as Roe V. Wade continue to offer some protection for a womans right to choose.

But continuous debates have raised questions and sparked restrictions such as the Hyde Amendment, which keeps federal funds from being used for abortion services .

While changes in either direction seem to be stagnant at the national level, changes within the states are much faster, making states the real determining factor in womens ability to receive abortion care.

Here are a few of the current restrictions :

  • 11 states restrict private insurers from covering abortion
  • 26 states restrict the coverage of abortion through the insurance exchanges
  • 22 states deny public employees abortion coverage through health insurance
  • 20 states apply a combination of these restrictions

Beyond that, only 17 states in the nation offer abortion coverage through state Medicare. Since women living in poverty make up more than half of the number of unintended pregnancies, the cost of keeping them from this procedure through such programs as Medicare may be far greater.

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Health Insurance Abortion Cost Sharing

Most health insurance plans in New Jersey contain cost-sharing features. The patient is responsible for paying all abortion-related charges not covered by the health plan.

These cost-sharing components include deductibles, co-insurance, and copayments and are unique to each plan.

Deductible

A health insurance deductible is an amount you must pay out-of-pocket each plan year before the plan begins picking up a portion of your medical expenses. Every plan has a unique annual deductible amount.

  • The plan begins paying a portion of expenses once you have already satisfied the annual deductible.
  • The patient is responsible for 100% of the expenses until she reaches this annual amount.

Coinsurance

Coinsurance is the percentage of the charges that your plan will pay. The patient is responsible for paying the remainder. Every plan has a unique co-insurance arrangement.

Consider this example for a plan with 80% coinsurance covering an early-pregnancy abortion costing $600 with an in-network provider.

  • Allowed Amount $600
  • Paid by patient $120

Co-payments

Co-payments are mandatory charges that the clinic must collect before providing services. Each plan has unique co-payment amounts, which range from $5 to $50 for each office visit or test.

You may need to fund three or more co-payments yourself.

  • Follow up visits
  • Estimating Costs

    • Find surgical abortion costs here
    • Find medical abortion costs here

    How Long Do Std Results Take

    STI test results can take between five and 10 days. If you have testing done at Planned Parenthood, well contact you ONLY if your results are positive. If this is the case, well give you a call to ask you to come back for follow up. Planned Parenthood does not contact patients if the results are negative.16 août 2018

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    Telemedicine For The Abortion Pill

    Planned Parenthood health centers offer medication abortion in several ways. In some states, we can offer medication abortion via telemedicine , where a patient in one location meets with a health care provider in another location via a private and secure video connection. Check out this video for more information. Depending on the state, some patients may be able to receive medication abortion pills sent directly to your home, without a visit to a health center.

    Federal And State Laws Regarding Coverage Of Abortion Services

    Does Medical Insurance Cover Abortion : Abortion Is ...

    Since 1977, federal law has banned the use of any federal funds for abortion, unless the pregnancy is a result of rape, incest, or if it is determined to endanger the womanâs life. This rule, also known as the Hyde Amendment, is not a permanent law rather it has been attached annually to Congressional appropriations bills, and has been approved every year by the Congress. The Hyde Amendment initially affected only funding for abortions under Medicaid, but over the years, its reach broadened to limit federal funds for abortion for federal employees and women in the Indian Health Service. Until recently, insurance coverage of abortion for women in the military had been even more restricted so that pregnancies resulting from rape or incest were not covered. In early 2013, an amendment to the National Defense Authorization Act expanded insurance coverage for servicewomen and military dependents to include abortions of pregnancies resulting from rape or incest, as permitted in other federal insurance policies.5 Federal funds cannot be used to pay for abortions in other circumstances, and abortions can only be performed at military medical facilities in cases of life endangerment, rape or incest.

    Figure 1: State Policies on Abortion Coverage in Medicaid and Private Insurance

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