After you’ve decided to have an abortion, there’s the matter of paying for it. Volunteer case managers at the DC Abortion Fund are here to guide you through the sometimes challenging process, but we also put together this brief set of questions and answers about covering the cost of your abortion.
How much does an abortion cost?
It varies. The cost of an abortion can depend on a variety of factors, including your health, the clinic, and the stage of your pregnancy. Abortion care can cost anywhere from a few hundred to several thousands of dollars, depending on a variety of factors including the patient’s health, how far along they are in their pregnancy, and which clinic they’re going to.
Can I use my insurance?
It depends. Health insurance can reduce the cost of an abortion. A few states require insurance plans to provide insurance coverage of abortion while several states deny access to insurance coverage of abortion. The Hyde Amendment has paved the way for federal abortion coverage restrictions for patients on Medicaid, CHIP, and other federally-funded insurance programs–although some states use their own funds to cover abortion for Medicaid enrollees. Your insurance company will be able to tell you whether they cover abortion care. Like any other medical procedure, it’s important to find out which providers and services are included in your plan. If you’ve still got a balance after pulling together your resources, organizations like DCAF, the National Abortion Federation and other abortion funds around the country may be able to help make up the difference between the cost of your procedure and what you can cover.
Will my parents, partner, school or employer find out I had an abortion if I’m on their insurance?
Your confidential health information, including the result of a pregnancy test or an abortion, is protected under the Health Information Portability and Accountability Act (HIPAA). However, if a parent or partner is the primary insurance policyholder, they may receive an explanation of benefits (or EOB), a document that may be sent whenever care is provided under a policy that itemizes submitted claims. Some states require or presume that your medical provider will send an EOB. This may be simply a line stating the name of the provider or office and the amount billed, but it may include more information. So while your abortion provider will keep your health information confidential, the explanation of benefits may provide information about the medical services you receive. And if you are insured as a dependent, this EOB may reach your parent or partner if they are the policyholder. Ask your care provider how services will appear on insurance paperwork, or research the laws and policies of your state.
If you have insurance through your school or job and are the primary policyholder, the EOB will go to you, as the primary policyholder. But some schools or employers refuse to cover reproductive health services, such as contraception or abortion, meaning that you may have to pay the entire cost out of pocket.
If you are a minor, in addition to confidentiality concerns surrounding EOBs, your ability to access abortion or reproductive health care depends on where you live. Different states have different policies when it comes to parental consent, so it is worth looking up the laws in your state. In DC, minors can consent to abortion. In Maryland, minors seeking abortion need to notify their parents, and in Virginia they need both parental notice and parental consent. Organizations like Jane’s Due Process have great information and resources around access to abortion care for minors.
Can I talk to someone about whether this is worth the expense?
We at DCAF affirm that you are the decision maker in your life. While we do not offer options counseling, we do offer financial counseling, should you decide to obtain an abortion. If you are interested in options counseling, we can refer you to an organization that may help.
Looking for a question/answer you didn’t see? Click here for more information about funding an abortion.
Need help? Please call DCAF’s free, confidential helpline at (202) 452-7464 and leave a voicemail for our case managers. Include your name and phone number, how many weeks pregnant you are, the date of your doctor’s appointment, and whether or not it is okay for us to leave you a voicemail. Here’s a link to more resources.
By volunteer Rebecca K.