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Are You Covered? Abortion and Insurance

In December of 2013 the state of Michigan house and senate passed a total ban on private insurance coverage of abortion, including in cases of rape, incest, and fetal genetic abnormalities and health of the mother, unless a woman purchases a separate insurance rider. 

You don’t remember voting on that, do you? That’s because you didn’t. Michigan representatives used a rarely used legislative loophole to pass what is now effectively a veto-proof bill.

In the State of Michigan:

  • Private insurance policies cover abortion only in cases of life endangerment, unless an optional rider has been purchased at an additional cost.
  • Health plans offered in the state’s health exchange under the Affordable Care Act can only cover abortion if the woman's life is endangered, unless individuals purchase an optional rider at an additional cost.
  • Abortion is covered in insurance policies for public employees only in cases of life endangerment, unless individuals purchase an optional rider at an additional cost.

It’s very confusing to figure out. Out of state insurance and self-funded plans are not subject to the ban. Also, some employers in the state have purchased the additional rider for coverage. So it is possible that you insurance might cover your abortion. Call us—we can call your insurance company for you to find out exactly what your benefits are. Northland is network with many insurance companies. It’s worth it to see if you are covered.