Highmark is one of the largest insurance providers in the state of Pennsylvania, providing many different types of coverage to their policyholders. However, with any insurance, details often need to be known to understand what is and isn’t covered under your specific plan. This article will answer all your questions regarding whether or not Highmark covers abortion and, if so, what conditions qualify as a qualifying event for this policy. If you currently have a Highmark plan and are looking to terminate your pregnancy as a new parent, knowing how much it will cost you out of pocket up front is essential. If you don’t know the details of your coverage now, reviewing them before making any decisions could save you from future financial stress.
What Is a Qualifying Event?
A qualifying event is an event that would make you eligible for special or additional coverage under your current insurance policy. They are designed to be specific, one-time events that make a general portion of your coverage more significant. Depending on the policy, a qualifying event could make you eligible for added coverage during a specified period or guarantee coverage of certain services under your current policy. Regarding Highmark pregnancy and abortion coverage, pregnancy is a qualifying event. If you have a Highmark policy, you will have coverage for necessary abortions under your plan.
Does Highmark Cover Abortion?
Yes, Highmark covers abortion as a part of their pregnancy coverage. If you get pregnant and decide to terminate the pregnancy, you will be covered 100% by your Highmark policy. This coverage extends to both in-network and out-of-network providers and is the same whether you get pregnant during the first or the second trimester. Suppose you are covered under a Highmark plan and become pregnant and decide to terminate the pregnancy. In that case, your abortion will be covered as a necessary medical expense under your current policy. Even if you are employed by an organization with a specific religious or moral objection to abortion, they must still cover it under your Highmark policy.
Highmark Pregnancy Coverage
If you have a Highmark policy and become pregnant, your coverage will differ based on your trimester. For example, your pregnancy benefits may include prenatal care and the cost of your prenatal doctor visits. Your policy may also cover the cost of your blood work, urine tests, and other necessary lab work. If you become pregnant during the first trimester, your pregnancy-related costs will likely be covered under your Highmark plan. This includes the cost of your prenatal care, lab work, and any other costs associated with your pregnancy. If you become pregnant during the second trimester, your coverage still applies but will be limited based on the specific terms of your policy. For example, your plan might cover a certain amount of your prenatal care and the cost of lab work but not the cost of an ultrasound.
Highmark Miscarriage Coverage
If you have a Highmark plan and experience a miscarriage, the cost of your medical care will be covered under your current policy. Miscarriage is the natural ending of a pregnancy before the fetus is viable and is very common. No specific percentage or number of pregnancies end in miscarriage, and it is estimated that between 10-25% of all pregnancies end this way. If you have a Highmark policy, it will cover the cost of any necessary medical care related to your miscarriage.
How Much Does an Abortion Cost With Highmark?
The cost of an abortion will vary significantly depending on the provider, the type of procedure used, and whether or not you have any additional coverage or discounts. The average cost of an abortion is between $350 and $950, but it could cost significantly more depending on your situation. If you have a Highmark policy, you will have full coverage for the cost of your abortion. However, you will still need to choose a provider, and it is always in your best interest to shop around for the best possible rate.
The average cost of an abortion is between $350 and $950, but it could cost significantly more depending on your situation. If you have a Highmark policy, you will have full coverage for the cost of your abortion. However, you will still need to choose a provider, and it is always in your best interest to shop around for the best possible rate.
Conclusion
When you get insurance, you want to ensure you know what is and isn’t covered. If you don’t know the details of your coverage now, reviewing them before making any decisions could save you from future financial stress. Also, if you have a Highmark policy and become pregnant, you will have coverage for your prenatal care and the cost of your abortion. If you experience a miscarriage, your medical costs will be covered. It is essential to know precisely what is and isn’t covered under your current policy to make informed decisions. If you have any questions about your Highmark policy or coverage, you can always reach out to their customer service department.