Will My Insurance Pay for My Girlfriend’s Abortion?

“I’m pregnant.” These two words can bring immense feelings of joy and excitement for some, and fear, worry, and anxiety for others. 

If you’ve recently received the surprising news that your girlfriend is pregnant, it’s important to remember that help and resources are available to you both during this time.

Financial worries are often the biggest concerns for couples facing unplanned pregnancies. BsideU for Life is here to help you understand your pregnancy options and the costs you might face in the coming months.  We provide some financial classes for moms — and may be able to provide some financial guidance for interested dads, too.  

Will my insurance pay for my girlfriend’s abortion?

If you and your girlfriend are considering the option of abortion, it’s important to note that your insurance plan will only pay for medical expenses for you and any of your legal dependents.

The state of Kentucky also restricts private insurance plans from covering abortion, unless an additional rider is purchased for the plan or the situation meets certain health risk criteria.

So, your girlfriend may not be covered under her own private insurance plan, and, the state of Kentucky restricts public funding (e.g., Medicaid plans) from covering abortion, except in cases of life endangerment, rape, or incest.

While abortion will not be covered in the state of Kentucky, if your girlfriend chooses to carry the pregnancy, she will be covered under Kentucky Medicaid.

How much does abortion cost? 

Abortion costs can range anywhere from $500 – $3,000 and beyond. The cost will largely depend on where your girlfriend is accessing her abortion and how far along her pregnancy is.  Gestational age determines what kind of procedure she’ll have, and whether she’s eligible for the abortion pill.  The abortion pill option costs around $500, depending on the provider, and is only available during the first 10 weeks of pregnancy. 

In comparison, surgical abortions can be accessed throughout the pregnancy and increase in price as the pregnancy grows.

In addition to the base cost of an abortion, it’s recommended you also save for other costs that may come up related to necessary pre-abortion screenings like ultrasounds, lab-quality pregnancy testing, and STD testing. It’s important to consider the costs of  medications, follow-up appointments, travel and accommodation expenses (if required to access your abortion), and emergency medical care in case of abortion complications. 

Where can we find free pregnancy healthcare?

To avoid unnecessary pre-abortion expenses, schedule an appointment with your local pregnancy clinic. BsideU for Life provides the following services at no cost to you: 

  • Free pregnancy testing
  • Limited ultrasounds*
  • STI Testing and treatment (chlamydia, gonorrhea, trichomoniasis)*
  • Maternity and infant clothing/supplies
  • Post-abortion counseling
  • Information on abortion, adoption, parenting, & pregnancy
  • Referrals for medication assistance, adoption services, community resources, financial assistance, and legal advice 

*for qualified clients

We are here to help you and your girlfriend each step of the way — from confirming a suspected pregnancy with an ultrasound scan to helping you each explore the options available during this time.