Does your health insurance cover abortion?

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The Supreme Court on Friday overturned Roe v. Wade, ending the constitutional right to abortion. Twenty-six states are likely to ban abortion care as a result.

In addition to the legal barriers, pregnant people face financial barriers to obtaining abortions. An abortion costs close to $800 on average, and depending on where you live, insurance may not cover it.

For the most part, states regulate whether private health insurance companies can cover abortion services. Because of that, where you live governs whether abortion is covered. Here’s a guide to whether an abortion is covered, depending on your state and the type of insurance coverage you have.

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Note that information is accurate as of publication.

If you have private insurance

Private group health insurance plans are regulated by states, except for self-funded insurance plans, which are regulated by the federal government. A self-funded insurance plan is one provided by a company that pays for health expenses by collecting premiums directly from employees.

Fully insured companies pay a premium to an insurance company, which administers health expenses for the company. Because self-funded plans are governed by the federal Employee Retirement Income Security Act, not state laws, companies who self-insure tend to have more autonomy in whether they cover abortion. However, it’s not clear what self-insuring companies will do in states that ban abortion outright in the wake of the Supreme Court decision.

In light of the Supreme Court’s decision on Dobbs v. Jackson, states hostile to abortion may issue new restrictions on the procedure, says Michelle Banker, director of reporductive rights and health litigation for the National Women’s Law Center, a non-profit advocating for women’s and LGBTQ rights. For example, a Texas law awards $10,000 to anyone who successfully sues someone who “aids and abets” people seeking an abortion after six weeks of pregnancy.

“Those laws may be weaponized against health plans, plan sponsors, and employers that cover abortion,” Banker says.

These eight states ban private insurance plans from covering abortion even in cases of rape or incest:

  1. Kansas

  2. Kentucky

  3. Michigan

  4. Missouri

  5. Nebraska

  6. North Dakota

  7. Oklahoma

  8. Texas

On the other hand, six states require almost all private insurance plans to cover abortion:

  1. California

  2. Illinois

  3. Maine

  4. New York

  5. Oregon

  6. Washington

If you have Medicaid

When it comes to abortion, Medicaid follows a federal guideline called the Hyde Amendment, which prohibit federal funds from being used to cover abortions except in cases of life endangerment, rape, or incest. But 16 states use their own funds to cover all or most abortions:

  1. Alaska

  2. California

  3. Connecticut

  4. Hawaii

  5. Illinois

  6. Maine

  7. Maryland

  8. Massachusetts

  9. Minnesota

  10. Montana

  11. New Jersey

  12. New Mexico

  13. New York

  14. Oregon

  15. Vermont

  16. Washington

If you have a marketplace plan

Twenty-five states have banned insurance companies from including abortion coverage in insurance plans sold in the marketplaces created by the Affordable Care Act:

  1. Alabama

  2. Arizona

  3. Arkansas

  4. Florida

  5. Georgia

  6. Idaho

  7. Indiana

  8. Kansas

  9. Kentucky

  10. Louisiana

  11. Michigan

  12. Mississippi

  13. Missouri

  14. Nebraska

  15. North Carolina

  16. North Dakota

  17. Ohio

  18. Oklahoma

  19. Pennsylvania

  20. South Carolina

  21. South Dakota

  22. Tennessee

  23. Texas

  24. Utah

  25. Wisconsin

In Louisiana and Texas, insurance plans on the marketplace may not cover abortion even in life-threatening situations.

How to find out if your health insurance covers abortion

An abortion provider should be able to find out whether your insurance covers abortion.

“The best thing to do is to call the clinic, tell them what insurance you have, and the clinics will take care of it for you,” says Ushma Upadhyay, an associate professor of obstetrics, gynecology, and reproductive science at the University of California, San Francisco.

You can also check your policy documents directly to see whether abortion is covered. In light of the Supreme Court decision, it may be worth checking whether the plan covers travel to another state to get an abortion. Without insurance coverage, people often pay out of pocket for abortions. While there are funds that donate money to people seeking abortions in many states, they often have limited budgets.

“They rarely cover the entire cost of the abortion,” Upadhyay says.

Some employers have pledged to help pay for travel for employees seeking abortions out of state. It may be worth talking to human resources about these options, but this will likely be a last resort for many people because of the privacy issues involved.

What will happen to insurance coverage of abortion now?

The legal situation is changing rapidly, and not every situation will be immediately cut-and-dry. Many states have laws that could outlaw or severely limit abortion in the wake of the Supreme Court decision. It’s not clear how these laws will govern insurance coverage, especially across state lines.

“There are going to be open legal questions in what will be a rapidly changing legal environment,” Banker says.

She encouraged employers who provide health insurance coverage for abortion to do everything they can to assist their employees, including covering travel, lodging, and paid leave related to abortion, though she warned, “There may be some tricky and thorny legal issues.”

Abortion will become more expensive and difficult for people, who will be forced to have abortions later in their pregnancies and travel farther to get them, Upadhyay says.

“The costs of abortion are going to go up,” she says, “regardless of who’s paying for it.”

Related:

This article originally appeared on Policygenius.com and was syndicated by MediaFeed.org.

More from MediaFeed:

The state of US abortion laws & the midterm elections

 

In a historic referendum, Kansas voters rejected removing abortion protections from the state’s constitution on Tuesday. Almost 59 percent of Kansans said they were against it. The vote coincided with the 2022 midterms and gubernatorial election primary in the state, but attracted more than double the number of voters of the 2018 primary, many of them unaffiliated.

The Kansas referendum will be followed up by several more abortion ballot measures in other states in the 2022 midterms in November. One more high-stakes referendum will likely take place in Michigan. Other than in Kansas, where the Republican-led legislature put the amendment on the ballot, a citizens’ initiative is responsible for the measure in Michigan. As of July 11, abortion proponents in the state had already collected almost double the amount of signatures needed for bringing a constitutional amendment in favor of abortion to a vote. The measure has not yet been certified in the state whose abortion rules have been in legal limbo following the Roe v. Wade Supreme Court decision. In a third state that like Kansas and Michigan has a Republican-majority legislature and a Democratic governor – Pennsylvania -, a referendum could happen in 2023. Similar to the Kansas ballot question, Republican lawmakers in Pennsylvania are attempting to specify that there is no constitutional right to abortion in their state. Kentucky is also voting on such a measure in November with the difference that the state is completely Republican-led and has already banned abortions.

 

Bill Chizek / iStock

 

State constitutions protecting abortion rights like in the case of Kansas – and potentially Michigan – are actually quite rare in the U.S. Most states that have protections for abortion rights have enshrined them in state laws which are more easily overturned than constitutional amendments. For this reason, two more pro-choice states – California and Vermont – are looking to amend their constitutions in November via the ballot box to include more secure abortion protections.

Since the overturning of Roe v. Wade on June 24, abortions have become illegal in 10 U.S. states due to trigger laws and pre-Roe statutes that were still on the books. Two more trigger laws will come into effect in late August in Idaho and Tennessee and two state legislatures – in Indiana and West Virginia – are currently working on banning abortion. Abortion bans in Utah, North Dakota and Wyoming have been blocked by judges. The Biden administration has meanwhile singled out the Idaho trigger law for a lawsuit, begging the question from other states if their bans could be subject to scrutiny too.

Bans on abortions after six weeks of gestation came into effect in OhioTennessee and South Carolina, while a 15-week ban is now active in Florida. All four states are also expected to try and pass even harsher restrictions.

Despite being Republican-led Iowa and Nebraska have not moved immediately or are not expected to be able to ban abortions in the short term. New Mexico remains the only Democratic-led state that has not moved to codify abortion. The procedure also remains unprotected by state laws or constitutions in Virginia, North Carolina and Pennsylvania, which have split governments at the moment.

Here are the state reactions to Roe v. Wade being overturned, as of Aug. 3.

 

DJMcCoy / iStock

 

Abortion rights protected/not expected to ban

 

Sean Pavone

 

Abortion rights protected/not expected to ban

 

Chilkoot

 

In legal limbo

 

Sean Pavone / iStock

 

All abortions banned

 

wellesenterprises / istockphoto

 

Abortion on the 2022 ballot

 

mlauffen

 

Abortion rights protected/not expected to ban

 

Postoak at English Wikipedia

 

Abortion rights protected/not expected to ban

 

Related: Yes, most Americans do support legal abortion

 

 

DenisTangneyJr

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

New 15-week ban

 

eyfoto / iStock

 

New 6/15-week ban

 

suesmith2 / istockphoto

 

Abortion rights protected/not expected to ban

 

Art Wager

 

Expected to ban shortly

 

knowlesgallery

 

Abortion rights protected/not expected to ban

 

venemama / istockphoto

 

Expected to ban shortly

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

Pixabay

 

Abortion rights protected/not expected to ban

 

Tiago_Fernandez / istockphoto

 

All abortions banned; also on the 2022 ballot

 

DepositPhotos.com

 

All abortions banned

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

Feverpitched / istockphoto

 

Abortion rights protected/not expected to ban

 

Rolf_52

 

Abortion on the 2022 ballot

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

JoeChristensen

 

All abortions banned

 

SeanPavonePhoto/istockphoto

 

All abortions banned

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

marekuliasz

 

Abortion rights protected/not expected to ban

 

Byelikova_Oksana / istockphoto

 

Abortion rights protected/not expected to ban

 

DenisTangneyJr

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

In legal limbo

 

DepositPhotos.com

 

New 6/15-week ban

 

DepositPhotos.com

 

All abortions banned

 

Tiago_Fernandez

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Abortion rights protected/not expected to ban

 

weaver1234

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

New 6/15-week ban

 

DepositPhotos.com

 

All abortions banned

 

DepositPhotos.com

 

New 6/15-week ban; total ban expected in August

 

NathanMerrill

 

All abortions banned

 

DepositPhotos.com

 

In legal limbo

 

DepositPhotos.com

 

Abortion on the 2022 ballot

 

” DonLand”

 

Abortion rights protected/not expected to ban

 

WilliamSherman

 

Abortion rights protected/not expected to ban

 

DepositPhotos.com

 

Expected to ban shortly

 

DepositPhotos.com

 

All abortions banned; advisory referendum expected

 

DepositPhotos.com

 

In legal limbo

 

Related: 

 

This article originally appeared on Statista.com and was syndicated by MediaFeed.org.

 

AnujSahaiPhotography

 

Legal abortion rates in decline in the US

https://www.msn.com/en-us/news/politics/legal-abortion-rates-in-decline-in-the-us/ar-AAWUATf

 

Bill Chizek / iStock

 

Featured Image Credit: Avirut Somsarn / iStock.

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Myles Ma

Myles Ma is an editor at PolicyGenius.com.