If you live in NJ or are thinking about traveling there for abortion care, you probably have many different questions. One practical concern you probably have is “does insurance cover abortion in NJ?”
The answer depends on the type of insurance you have, your specific plan coverage, and the type of care you need.
Here’s what you need to know before your appointment.
Let’s Get Right to It: Does Insurance Cover Abortion in NJ?
Private insurance coverage varies from plan to plan. Even if abortion services are covered, you may still have to pay a deductible, copay, or other out-of-pocket expenses.
This is why you should always contact your insurance company ahead of time to ask specifically about abortion coverage. Ask whether your plan covers both medication and surgical abortion, as well as if any related services like testing, anesthesia, medications, or follow-up care are covered.
Our team at Metropolitan Medical Associates can also verify insurance information before your appointment. You’ll just need to provide the requested details so we can confirm coverage.
What About New Jersey Medicaid?
For patients who qualify, Medicaid in NJ can be a great resource in paying for abortion care. At our clinic, Medicaid can cover abortion services in New Jersey, including medication and procedural abortion care, with valid photo identification.
If you already have this type of coverage, upon scheduling an appointment, be sure to provide this information to our team. If you don’t qualify for NJ Medicaid, we can help you look into other options like NJ FamilyCare.
What If My Insurance Doesn’t Cover Abortion?
It can be very stressful learning that your insurance plan doesn’t cover abortion. But, this doesn’t mean that you have to give up on getting care.
At Metropolitan Medical Associates, we offer cash-pay options for patients who are uninsured or who don’t have coverage for these services. We even offer a special online discount for cash-paying patients.
We also accept Mastercard, Visa, Discover, and American Express cards. Checks aren’t accepted and payment is due at the time of the procedure.
Because costs can change depending on how far along you are in your pregnancy, calling our office ASAP is best.
Financial Assistance May Be Available
If paying for abortion care will create a financial hardship, ask about our assistance programs. We work with the New Jersey Abortion Access Fund to help offset the costs of services.
After scheduling your appointment, we can apply for funding on your behalf. If you qualify, the program can help with the cost of your abortion care.
Don’t let money be the only thing standing between you and the services you need. There are options worth exploring and we’re here to help.
How Much Will I Actually Pay?
There isn’t one single price that all women pay for abortion services. Your cost depends on several factors, including your gestational age, the type of abortion you’re having, insurance coverage, and whether you qualify for financial assistance.
Don’t fall into the trap of relying on an online estimate. Instead, contact the team at Metropolitan Medical Associates so that we can give you a cost breakdown based on your specific situation.
Don’t Let Insurance Questions Keep You From the Care You Need
Trying to figure out insurance while dealing with an unplanned pregnancy can feel like one more obstacle that causes even more stress. Fortunately, you don’t have to figure out everything on your own.
We’re here to help patients understand insurance coverage as well as financial assistance programs. If you’re unsure whether your insurance covers abortion in NJ, the simplest first step is to ask!
Contact us at 201-429-9748 today or book an appointment online below and let’s walk through the financial details together.