Abortion is devastating – and then comes the bill

(NerdWallet) – The loss of a pregnancy takes a psychological and physical toll – and can also lead to an unexpected financial burden.

even with insuranceSurgical treatment for an abortion can fetch more than $4,300 on average, according to FAIR Health — an independent national nonprofit that uses health care claims data to provide cost estimates to consumers.

The amount you pay depends on your insurance plan.

What is an abortion?

A miscarriage is the most common form of pregnancy loss, according to the American College of Obstetricians and Gynecologists. A miscarriage occurs when there is a spontaneous loss of a fetus or fetus in the womb during the first 20 weeks of pregnancy. Studies show that approximately 1 in 4 pregnancies end in miscarriage, with the majority occurring within the first trimester.

After a miscarriage, the body needs to get rid of the contents of the uterus. This may happen naturally and last a few weeks. But it may also require medication or a minor surgery called dilation and curettage, or D&C, to ensure that all remaining tissue is removed.

The Cleveland Clinic provides more details about Signs and types of miscarriage. If you are pregnant and experience any of the symptoms described, contact your doctor.

Abortion and D&C Procedure Cost

The costs really go up when a person needs a D&C after a miscarriage. FAIR Health data shows that the average cost of a D&C for the first three months is $4,307 with insurance; A D&C used to treat second-trimester miscarriage is $5,301 on average. These costs include the outpatient facility and physician fees, which may be higher or lower depending on where you are treated.

Your share of the bill will be determined by your plan Co-insurance or co-pay Policies, plus maximum and out-of-pocket discount.

For an uninsured person, FAIR Health data shows that the cost roughly doubles to $8,445 for a first trimester procedure and to $9,742 for a second trimester procedure.

State Medicaid programs also cover abortion treatment. Medicaid provides coverage to people who are pregnant and who meet eligibility requirements. Pregnancy-related Medicaid care includes services needed to care for a pregnant person and their unborn child. This includes medical services that became necessary because the woman was pregnant, such as a D&C. The national program pays for nearly 40% of births in the United States, according to the KFF, a health research group.

A person who is eligible for Medicaid because of their pregnancy remains eligible for at least 60 days after the pregnancy has ended, allowing continued care during the postpartum period, including after a pregnancy loss. Under the 2021 US Bailout Act, state Medicaid programs can extend postpartum coverage to 12 months. As of last month, 34 countries have implemented or plan to implement this extension.

Contact your state Medicaid office to determine what is covered where you live.

Abortion and treatment cost

A surgical procedure may not be necessary in all miscarriages, as medication is a less invasive and cheaper option. The drug most likely to prescribe is misoprostol. Studies show that adding a second medication – mifepristone, which is taken before misoprostol – can be more effective than taking misoprostol alone. This would reduce the chance that a woman who has had a miscarriage will need additional medical intervention such as a D&C.

Because pregnancy care is an essential health benefit under the Affordable Care Act, most insurance and Medicaid plans are required to cover medications used to treat abortion. However, mifepristone and misoprostol are also used in abortions, which has affected access in some states.

On average, treating a miscarriage with medication costs just under $700, whether you take one or both medications, according to a 2018 study published by the American Medical Association.

How does Roe v Wade’s latest decision affect abortion

The annulment of Roe v. Wade by the US Supreme Court allowed states to enact laws prohibiting or severely restricting abortion. These state laws can also affect people with pregnancy loss because abortion treatment often relies on the same medications and the same surgical procedures used to induce a miscarriage and remove tissue from the uterus.

The impact can be felt through insurance coverage as well as access to care.

A Texas abortion law enacted in 2021 allows civil lawsuits to be brought against anyone who assists in the termination of a pregnancy after six weeks, resulting in a fine of at least $10,000. As a result, there have been detailed reports of stories of patients struggling to get post-abortion care because doctors or pharmacists try to avoid any appearance of abortion assistance.

Access challenges can affect cost if patients have to pay for services themselves, either because coverage is denied or they are forced to seek care at facilities outside their insurance plan’s network. Delays in giving medications after a miscarriage may also result in the need for additional medical care.

In July of this year, the Biden administration warned pharmacists that they could not refuse to fill prescriptions for drugs used in abortions because those drugs had other approved uses.

Leave a Comment