DOES YOUR PRIVATE HEALTH INSURANCE
PLAN COVER ABORTION CARE?
The Illinois Reproductive Health Act requires most private health insurance plans to cover abortion as they do
other pregnancy related care no matter what the reason is for the abortion.
Use the chart below to find out if your plan covers abortion care. Even if your private insurance is not
required to cover abortion care, they still may have exceptions that will allow coverage for your abortion.
Does your insurance cover pregnancy-related care (i.e. screenings,
ultrasounds, check-in appointments, delivery)?
Is your health insurance policy issued in Illinois?
Is your health insurance plan “self-insured” or
“self-funded” by your employer?
Ye s
Ye s
No
No
No
Ye s
Your insurance IS required to cover
abortion care.
Your insurance may not be required to
cover abortion care.
How do I know if my plan is issued in Illinois or is a self-insured or self-funded plan?
You can contact your employer or health insurance company directly to find our if your plan is issued in Illinois or
is a self-insured or self-funded plan.
What if I my abortion is supposed to be covered but my insurance has denied me?
If believe your insurance company is required to provide abortion care and you were denied coverage, you can file
an appeal with your insurance company. When you file an appeal, tell your insurer that you believe your abortion
is covered under the Illinois Reproductive Health Act.
You may also filed a complaint with the Illinois Department of Insurance. To file a complaint, follow this
link: https://insurance.illinois.gov/Complaints/UnderstandComplaintProcess.html.
