Abortion is a contentious issue in this country, as many Americans view this procedure as murder or infanticide. In fact, the state of Iowa just passed one of the strictest anti-abortion laws in the western world. Under this new rule, doctors cannot perform an abortion on a woman that’s more than six weeks pregnant.

Furthermore, some women have to pay out-of-pocket for this procedure. So today, we’re going to explore whether abortion is covered under your health insurance plan.

Health Insurance

Are you wondering whether your health insurance covers the cost of an abortion? Well, it entirely depends on where you live. According to the Guttmacher Institute, 43 states currently prohibit abortions unless it’s medically necessary, while “45 states allow individual health care providers to refuse to participate in an abortion.”

We always recommend checking the SBC, otherwise known as the Summary of Benefits and Coverage. In states like California and New York, major health insurance companies do cover elective abortions.

What Is An Abortion?

Human beings have performed abortions since ancient times, and it typically involves removing the embryo from a woman’s uterus or taking a form of medicine to terminate the pregnancy. The earliest records demonstrate that the ancient Egyptians used a paste made from crocodile feces as an abortifacient medicine.

Nowadays, modern technology has allowed doctors to pioneer new methods that don’t involve a scalpel. This means the threat of complications has vastly decreased, and women leave the doctor’s office one hour after the procedure.

Pregnancy Terms

Most abortions in the western world take place during the beginning stages of the pregnancy during the first trimester. Once a woman enters the second trimester, it’s much more difficult to perform an abortion because the embryo has developed into a fetus. Therefore, if you’re thinking about undergoing this procedure, it’s essential to contact a medical professional early on in the pregnancy.

The Future

It’s difficult to gauge whether the current attitude towards abortion will change over the next decade. Many institutions like Planned Parenthood are threatened on both a microscopic and macroscopic level. For example, President Donald Trump recently signed a bill that “allows states to withhold federal money from organizations that provide abortion services.” This political decision would undermine several national organizations that provide abortion services.

On a micro level, reports have surfaced over the years showing numerous attacks on local abortion clinics. This includes an attack on a Colorado Springs facility in 2015 that resulted in the death of one police officer and two civilians.


Regardless of your opinion on abortion, it’s important to consult with your insurance company to find out if this kind of treatment is covered. If you’re looking for more information, feel free to reach out to our agents at 855-881-0430.