How Much Does an Abortion Cost With and Without Insurance?

For many people, the topic of abortion is a tough one to talk about. There are many contradicting views on the grounds of abortion as a human right or an illegal practice. However, these views are not universally defined and can differ from one person to another.

The truth is that many women face the burden of unplanned pregnancies or even pregnancies that were intended yet have to be terminated for various medical reasons.

For anyone who has had this fear, it’s natural to think about abortion costs and whether or not insurance covers such procedures. Because it is quite a taboo topic, there isn’t much knowledge about the cost of abortions and how it differs from place to place.

In this article, we will look at how much abortions cost, whether or not insurances cover them and why it happens in the first place.

What Is Abortion?

An abortion can be defined as the procedure that terminates a pregnancy. This process involves removing the fetus or embryo from the womb, which signifies the end of the pregnancy. Abortion procedures are only done by a medical professional.

Abortions can be done in two ways:

  • Through the use of pills, also known as medical abortion
  • Through surgical abortion

What Is The Cost Of Abortion Without Insurance?

The cost of abortion greatly depends on the stage at which the termination will happen in the pregnancy. Generally, the farther you are in the pregnancy phase, the more difficult it is to get an abortion. And because of the complex nature of the procedure, the cost will also be higher for this.

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Additionally, what kind of abortion you are undertaking is a massive factor in how much an abortion can cost you. There are two types of abortion procedures you can follow.

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Medical Abortion:

This abortion is achieved by ingesting abortion pills that terminate the fetus or embryo inside the womb. The average cost of these pills can vary anywhere from $500 to $750. Abortion pills are only effective for the first 10 weeks after conception.

Even after you’ve taken the pill and undergone the procedure, it is advised that you go to a clinic and get an ultrasound to make sure that there’s nothing left in your uterus.

Surgical Abortion:

This type of abortion, as the name suggests, is achieved through a surgical process. It is an invasive procedure that includes a surgeon physically terminating the pregnancy by removing the fetus or embryo from the womb.

The cost of surgical abortions can vary depending on far along you are in the pregnancy process. On average, the cost is between $578 and $2008. You may also have to pay additional costs for prescription medication, anesthesia, etc., which can cost up to $360.

Under this, there’s also a procedure called the D&E Abortion (Dilation and evacuation), which costs about $500 on average. But it can go as high as $3000 depending on how far along you are in your pregnancy. This procedure is done between 5 to 20 weeks after conception.

Vacuum Aspiration Abortion:

This procedure is done during the first trimester of pregnancy. The healthcare practitioner in charge of your procedure will use gentle suction to remove the embryo or fetus from the uterus.

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If the abortion is done early in the first trimester, the procedure can cost an average of $508, but if the pregnancy is too far along, the cost may go up to an average of $1500.

Late Abortion:

This is done within the 16 to 24 weeks of pregnancy. It is notably the highest cost because of the complicated process, which can cost anywhere from $8000 to $15,000.

What Is The Cost Of Abortion With Insurance?

Some insurance policy providers cover the charges of abortion. In most cases, they work alongside the abortion centers and cover some of the charges incurred. However, because of the seeming threat to women’s reproductive health, many health and medical insurance companies are withdrawing their coverage for abortions.

In recent years many states in the US have banned abortions and made them illegal because insurance agencies are no longer providing coverage in these states.

Abortion coverage plans offered by insurance companies are now restricted in 25 states, while another 11 states have installed strict abortion laws that limit abortion coverage from all private insurance companies.

Medicaid, which is an insurance program under the federal government, covers the charges of abortion only for specific scenarios such as incest, rape, and cases of life endangerment.

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Why Do People Prefer To Go For An Abortion?

There are many reasons why people decide to get an abortion. Whether it is personal, financial, or social, the decision can be overwhelming for many people. In most cases, the events leading up to the pregnancy play a considerable part in the decision-making process.

Here are some of the primary reasons why people get abortions:

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Medical/ Health Complications:

In the case of an underdeveloped child or a child that shows signs of developmental problems early on in the pregnancy, the parent(s) of the unborn child can decide whether to terminate the pregnancy or not.

Doctors often recommend abortions if they notice a deformed child inside the mother’s womb when conducting routine ultrasounds. This is because the health and condition of the fetus could be potentially dangerous for both the mother and child.

Life-Threatening Pregnancy:

The mother’s life could be in danger in certain complex situations because of the pregnancy. In such cases, doctors will often recommend undergoing an abortion so as the save the life of the mother.

Unplanned Pregnancies:

This is the most common reason behind abortions. Pregnancies are usually surprising because even if you are using all sorts of protection, there’s always a tiny chance that you could get pregnant. In such cases of unintended pregnancies, people may decide to get an abortion.

This can be many other reasons, such as:

  • Order from the court because the conception was a result of sexual abuse
  • Being unprepared for the changes, physically, financially, and emotionally
  • Bad timing
  • Immaturity

Financial Troubles:

This is typically a reason for parent(s) who have an unplanned pregnancy. The parent(s) might realize that they are not financially equipped to take care of a baby or raise a baby in their current financial situation. Hence, they get an abortion.

Partner-Related Issues:

Realizing that you are pregnant with a partner who is unreliable or unstable, physically and mentally, can be why people get abortions. In some cases, the partners can be abusive, so terminating the pregnancy seems the better option for the unborn child.

You can also learn in-depth about The Importance of Having a Life Insurance Policy so you can insure every part of your life.

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