When your girlfriend faces an unexpected pregnancy, you may want to support her in every way possible, including financially. One common question is whether your insurance could pay for the abortion pill.
Before making assumptions, it’s important to understand how insurance works in Minnesota and what other options are available. Elevate Pregnancy and Family Resource Center offers no-cost pregnancy services to help support you both during this time. Schedule an appointment today.
Can My Insurance Cover My Girlfriend?
If you’re not married or in a legal domestic partnership, your insurance likely won’t extend coverage to your girlfriend. Insurance companies typically require a legal connection before adding another person to your policy.
Every insurance plan is different, so call your provider directly to confirm who is and isn’t covered. You may find that you need to get married or become a domestic partner to add her to your insurance. This life change would be known as a qualifying event.
Does Minnesota Insurance Cover Abortion?
Private insurance companies may or may not cover elective abortion. Due to changing and differing state laws, among other factors, the only way to determine the specifics is to contact the specific insurance company and ask about your policy.
Minnesota’s Medicaid (MinnesotaCare) covers abortion in specific situations such as rape, incest, or life endangerment.
Health Coverage Options for Your Girlfriend
Regardless of the pregnancy option your girlfriend is considering, she needs health insurance during pregnancy. It’s a very vulnerable medical time where monitoring and frequent appointments ensure she stays healthy.
Additionally, if she is considering the abortion pill, she will be at risk for complications like incomplete abortion, infection, and heavy and prolonged bleeding, all of which need immediate medical attention or emergency care.
Here are a few options your girlfriend can consider to ensure she receives health coverage during pregnancy.
- MinnesotaCare: If she meets income guidelines and resides in Minnesota, she could qualify for medical coverage during pregnancy. If she lives in another state, she would need to review that state’s Medicaid coverage.
- Employer Coverage: Her workplace may offer benefits if she’s full-time or becomes eligible through a status change.
- Private Insurance: Purchasing a private plan is an option, although it is typically more costly.
- Change Your Relationship Status: Getting married will likely allow you to add her to your insurance. If you’ve been seriously planning for marriage for a while, then it’s something to consider. However, marriage is a lifelong commitment that should only be entered into when both of you are absolutely ready.
Help Her Get the Information She Needs
If your girlfriend recently found out she’s pregnant, the next step is to confirm how far along she is with a medical-grade pregnancy test and ultrasound. Elevate Pregnancy and Family Resource Center offers these services at no cost.
You can attend the appointment together for confidential support and answers about your options. Schedule an appointment today!