Hi everyone! I’m Jessica, Planned Parenthood Health System’s Director of Public Policy. I’ll be showing up on the blog frequently during our states’ legislative sessions to fill you in on what’s going with reproductive rights and health legislation. You can follow all the bills we are tracking here and if you have questions, feel free to contact me at jessica.bearden@pphsinc.org!
The “hot topic” for pro-choice lobbyists this year (well, besides the full scale attack on family planning funding at the federal level) is a complicated one: insurance coverage of abortion. Our four states are no exception—Virginia has already defeated two bills attempting to restrict coverage, and bills are moving through the legislatures in both West Virginia and South Carolina this month.
The national debate around healthcare reform last year (you’ll remember the Stupak and Nelson amendments) opened the door for state legislative attacks on insurance coverage by allowing states to prohibit insurance plans that include abortion coverage from participating in state health care exchanges.* Five states—Tennessee, Arizona, Mississippi, Missouri, and Louisiana—moved immediately to ban coverage and many other states are following suit this year.
The bills in South Carolina and West Virginia, however, go even further and seek to ban coverage of abortion in every health plan offered in the state (that means plans on the exchange, private plans, and state employee plans). South Carolina has even folded the insurance ban into a broader bill about protecting people’s rights to refuse to participate in the provision of medical services that violate their conscience (I’ll save that part of the bill for another post). What these bills mean for you if they pass: women in these two states will lose coverage that in most cases, they currently have.
But we’re not banning coverage, the bills’ proponents say. You can still purchase a single procedure plan, or rider, just for abortion coverage if you want it. Not to put too fine a point on it, but that might be the most absurd idea I have ever heard. First of all, no insurance company is going to go through the trouble of offering a plan that covers only abortion—not when they have to get a separate premium and a separate signature from the insured and prove to the state that funds from other plans aren’t getting mixed in just to offer it. And even if they did, women wouldn’t buy it! That’s the nature of unplanned pregnancy, guys, you don’t plan it.
But there’s no constitutional right to insurance coverage of abortion, the bills’ proponents say. I might grant that (but then again I might not, because what’s the meaning of the right to choose if you’re denied your ability to exercise it?), but guess what? There’s no constitutional right to insurance coverage that doesn’t cover abortion either. And yet—there are insurance plans available on the private market right now that don’t cover abortion. Why can’t people who feel that participating in an insurance plan that includes abortion is a violation of their conscience simply “opt out” of those plans and purchase an individual plan that doesn’t include abortion? What’s that you say? Because this isn’t really about protecting people’s right to refuse to participate in activities with which they disagree, but instead is just another attempt to deny access to a legal, safe medical procedure? That sounds familiar.
The bottom line is this: A woman doesn’t plan to have an unplanned pregnancy, or to have severe complications late in her pregnancy. Having insurance coverage of abortion is important to ensure she can get the care that she may need. And in addition, allowing states to prohibit insurance coverage of a legal medical procedure based on some people’s objection to it is a very slippery slope. Why? Because many of the same people opposed to abortion also object to contraception, infertility treatments, voluntary sterilization and more. Will state governments act to prohibit coverage for those services as well?
What you can do: If you live in South Carolina or West Virginia, you should contact your state legislators and ask them to oppose restrictions on insurance coverage of abortion—regardless of where a woman purchases her insurance. Find your legislators in South Carolina and West Virginia.
* Starting in 2014, states are required by the Affordable Patient Care Act to establish health insurance exchanges—new, competitive, state-run and consumer-centered health insurance marketplaces. The exchanges will provide eligible consumers and businesses with “one-stop-shopping” where they can compare and purchase health insurance coverage.