Paying for Your Care
The cost of a first-trimester abortion without insurance is generally between $400–$600 for both surgical and medical procedures. However, in New York, most public and private insurance companies provide coverage for abortion and there are support programs in place for those who lack or cannot use their coverage.
Important note on insurance coverage: If you are not the primary policyholder for your insurance plan, using insurance to pay for your procedure may compromise your confidentiality. When a person seeks coverage for services on a plan in which they are not the primary policyholder – such as when a minor uses their parent’s insurance plan or Child Health Plus – itemized benefit statements sent to the primary policyholder can sometimes reveal confidential information about the services covered. If you need your procedure to remain confidential and you are not the primary policyholder, contact the insurance company directly to ask about their policy of disclosure before choosing to use your insurance. Paying for care directly will keep your medical care confidential, but this can be expensive. People in this situation should refer to the resources listed below for assistance in covering the cost of the procedure.
NY State of Health: Purchasing Insurance on New York’s Online Health Plan Marketplace
NY State of Health is an online marketplace where you can learn about your health insurance options, including Medicaid, Child Health Plus, and private insurance, and enroll in a plan. Check your eligibility for programs like Medicaid and Child Health Plus and sign up online if you qualify. You can also compare and purchase private health care coverage. You may be eligible for financial assistance to purchase this coverage, and the Marketplace will calculate what support is available to you and how much each plan will cost.
The below information is applicable only to New York State residents. If you are coming to New York for your abortion procedure from another state and need assistance covering the cost of your procedure, see information on the resources available to you.
Medicaid provides free or low-cost medical coverage for eligible New Yorkers, including those who are low-income or disabled. Prenatal care, abortion, and family planning services, including emergency contraception and birth control, are all covered by Medicaid. You may access family planning services from any Medicaid provider without a referral from your doctor. Learn more about this program, including eligibility requirements.
Many abortion clinics can enroll you in Medicaid on the same day that you make your appointment. The Book of Choices includes information on which providers provide this service. View a complete list of these clinics.
Catholic-Run Medicaid Managed Care Plans
Most people in New York who enroll in Medicaid or Child Health Plus must choose a Managed Care Plan through which they will obtain health care. The Managed Care Plan you join makes a difference! Fidelis Care excludes birth control and abortion because they follow Directives issued by the US Conference of Catholic Bishops.
If you are enrolled in Fidelis Care, you are still entitled to obtain these services! You can obtain these services from any clinic or doctor that accepts Medicaid and offers these services by using your Medicaid and/or health plan ID card. By law, you are entitled to receive birth control and abortion services from any Medicaid provider at no extra cost and without needing a referral.
You can also apply for Medicaid by:
- Calling NY State of Health: The Official Health Plan Marketplace at 855.355.5777.
- Visiting the NY State of Health: The Official Health Plan Marketplace website.
- Visiting NY Medicaid Choice to enroll in a Medicaid Managed Care Plan.
- Meeting with an In-Person Navigator and Certified Application Counselor.
- Calling the Medicaid Helpline at 1.800.541.2831.
- Going to your Local District Social Services Offices.
You may still be eligible for coverage during your pregnancy even if you are not a U.S. citizen or your income exceeds the set level. Talk to your Medicaid worker to learn about the programs that may be available to you.
Child Health Plus
Child Health Plus provides free or low-cost health care to children and young adults up to the age of 19 who meet certain income requirements. Child Health Plus offers comprehensive healthcare benefits, including coverage for prenatal care, birth control and abortion. Children and adolescents are eligible regardless of their citizenship status. You can apply for Child Health Plus through the New York State of Health Marketplace. View a list of organizations that can assist you in this process. You can also call 1.800.698.4KIDS (1.800.698.4543) if you have questions.
For more information about the programs listed above:
- Check the New York State Department of Health website.
- If you live within the five boroughs of New York City, call 1.877.472.8411 or 311.
- If you live outside New York City, you can call your local Department of Social Services. They are listed by county online.
- Contact the New York State of Health Call Center at 1.855.355.5777.
- For general questions, call the Medicaid helpline at 1.800.541.2831.
If You Do Not Have Health Insurance
If you are uninsured and/or are unable to use your insurance to cover your procedure, additional resources may be available. There are more than 100 abortion funds across the country that provide assistance to those who are facing financial barriers to abortion. The National Network of Abortion Funds provides a helpful map and list by state.
For assistance in New York State:
- The New York Abortion Access Fund provides financial assistance and other resources to support anyone living in or traveling to New York State for an abortion who is unable to pay fully for the procedure. For more information, call their hotline at 212.252.4757 or email them at email@example.com.
- The Haven Coalition is a network of volunteers who open their homes to low-income people who need to travel to New York City for second-trimester abortions. Haven volunteers can provide meals, a place to sleep, and transportation to and from the clinic. Haven works with people who are receiving two-day abortion care at Choices, Parkmed Physicians, Planned Parenthood NYC, and select other facilities. If you need support from the Haven Coalition, let the clinic know when you make your appointment and they will put you in touch with a volunteer. For more information, email firstname.lastname@example.org.
- Several abortion providers have funds or offer sliding scale fees to help people pay for the procedure. View a list of those providers.
What to Know About Paying for Care in New York State
Currently, there are no restrictions in New York state law regarding coverage for abortion services in private insurance, and most private insurance companies do offer such coverage. For more information about whether your specific plan covers abortion services, refer to your benefits package or call your insurance company directly.
Currently, Congress withholds federal dollars from covering the abortion procedure. People who qualify for Medicaid in New York State have access to abortion coverage because the state uses its own funds to cover the cost of the procedure. However, If you receive insurance from the federal government as a federal employee or through programs like TRICARE, Medicare, or the VA, your policy may not cover abortion. Contact your insurance company to find out their policy if you are unsure. Learn more about these insidious restrictions on abortion coverage.
Does Your Private Insurance Cover Contraceptives?
Under the 2010 Affordable Care Act, preventive healthcare — including contraception — must be covered by all insurance plans with no copay. If you are not getting these services without a co-pay, visit National Women’s Law Center’s CoverHer campaign to learn how to reach out to your insurance company and to find out what you can do if you don’t get the answers you need.