March for Life

Abortion Coverage Subsidies

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Abortion Coverage Subsidies

Download this document as a PDF.

Are You Subsidizing Abortion Coverage?

For background information on abortion coverage in Obamacare state exchanges, click here.

ACTION PLAN

Exchange Research Guidelines

Below are the 28 states and localities that include abortion in the state exchanges (other states have voted to opt-out of such coverage):

California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, Vermont, Washington, West Virginia and Wyoming.

Consumers shopping for plans on the ACA exchanges want to know if their plan covers abortion. This is very hard to decipher. Many plans do not specify on the website whether their benefits package include abortion.

To find out for yourself you can visit Healthcare.gov to find the plans or link to the state-run exchange. Explore the summary of benefits coverage for each plan offered in the state. Use the search tool to scan for the words “abortion” and “termination,” and also scroll through to the section at the end of each benefit list to review the list of additional excluded and covered benefits.  Keep a record of whether abortion is a covered benefit, excluded or not mentioned at all. Ideally, print the relevant page of each plan for your records.

Once you have identified all the carriers operating on the exchange, and the status of the plans’ abortion coverage, calls should be made to the carrier companies. Ideally, a local resident should make the calls to inquire as to whether the plan includes abortion coverage.

A suggested script is below. The caller should take very careful notes of what the carrier says, and if possible, get the name of the person they are talking with.

General script:

Hi, I’m shopping for a healthcare plan and I was looking at your plan options on healthcare.gov. Can you tell me which of them include coverage for abortion? OR Can you tell me which of your plans don’t include abortion coverage?

Typically you will get a general answer – “its’ covered,” and you will want to try to dig a little more, “is it always covered, are there any exceptions?”

If they ask why you want to know, you should say whatever you are comfortable with. One suggestion is “I don’t want to be paying into the abortion pool.”

Try to write down whatever they tell you, as carefully as possible. Please try to get a name of who you speak with. Record your notes, including the time of the phone call.

 

When the project is complete please send a complete record back to us at March for Life at info@marchforlife.org identifying

1)      How many plans are offered in the state?

2)      Which and how many of those plans identify their abortion coverage policy online.

3)      How many plans actually cover abortion (based on what you learned by calling).

4)      What you learned from the carriers by making phone calls.

 

Here is an example of a summary of research for New Jersey:

Between January 22 and 23, 2014, we reviewed all the healthcare plans available for individuals shopping on the New Jersey Exchange. We examined the summary of benefits for each plan as made available on the internet. None of the 31 plans offered made any mention of abortion coverage, either as an excluded or covered benefit.

On January 23 we called the three insurance companies administering the plans: Blue Cross Blue Shield, Amerihealth and Health Republic Insurance of New Jersey and asked if abortion coverage was included. Blue Cross Blue Shield and Health Republic Insurance of NJ both said abortion was a covered benefit, so at the very least, 14 of the 31 plans cover elective abortion. The third carrier, Amerihealth, was a little squishier, saying abortion could be covered if it was pre-approved.

 

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Abortion Coverage in Obamacare

Download this document as a PDF. 

BACKGROUND:

Pursuant to Section 1334 of the Affordable Care Act (ACA) the federal Director of the Office of Personnel Management (OPM) is required to ensure that there is at least one multi-state qualified health plan in each exchange that does not provide coverage for those abortions for which federal funding is prohibited as defined in the Hyde Amendment. Consequently, under the ACA, at least one of the “multi-state” plans approved by the Office of Personnel Management for possible availability on all the state exchanges should exclude elective abortions.  So the requirement is on the insurer who offers that health plan, not on the states.  And even the insurer is not required to cover all 50 states until FOUR YEARS after the plan’s approval. 

Insurance plans sold on the exchange will be eligible for federal subsidies even if the subsidized plan covers elective abortion – a radical departure from the policy governing all other federally subsidized health programs. This departure is accompanied by new accounting measures that will result in a mandatory abortion surcharge for many premium holders.  Despite the requirement by law there is little clarity on the subject of health insurance plans that do not cover abortion.  

 

ADMINISTRATION COVER-UP?

In an October 30, 2013 appearance before the Energy and Commerce Committee, Health and Human Services (HHS) Secretary Kathleen Sebelius agreed to provide a list of Obamacare plans indicating whether abortion is covered. Specifically, Rep. John Shimkus (R-IL) asked “Can you provide for the committee the list of insurers in the federal exchange who do not offer as part of their package abortion coverage?”  Sebelius replied saying “I can do that sir…We should be able to do it…I know that is the plan, I will get that information…”  

To date the Secretary has not provided the list discussed at the October 30 hearing. 

In December 2013 Secretary Sebelius appeared before the Health Subcommittee of the Energy and Commerce Committee and Rep. John Shimkus (R-IL) questioned her on why she has not provided the list.  In an apparent backtracking from her October 30th commitment to provide a list, Sebelius told Rep. Shimkus that “every plan lists plan benefits and the one plan benefit that they must list by law is abortion services, so as a shopper goes on, I would highly recommend that they look in the plan benefits section…”  When Rep. Shimkus pressed further pointing out that he had examples of summary of benefits documents that do not indicate whether or not abortion is covered, she replied “It is on the website…it is available…”

In March 2014, following up from the previous hearings Congressman Andy Harris (R-MD), a member of the House Appropriations Committee’s Subcommittee on Labor, Health and Human Services, questioned Secretary Sebelius about two key aspects of abortion coverage in the ObamaCare Exchanges.  National Right to Life has a report of Rep. Harris’ remarks:

At [the] hearing, Harris pointed out to Sebelius that the Maryland Insurance Commissioner had said that Exchange plans don’t have to invoice separately for abortion coverage in plans that cover abortion. (Congressman Harris was referring to Bulletin 13-24 issued by the Maryland Insurance Commissioner to insurers over seven months ago on July 31, 2013). Sebelius tried to evade responsibility for what the Maryland Insurance Commissioner was doing, but under pointed questioning from Congressman Harris she conceded that she has supervisory authority over the Maryland exchange. (For more information on how the two separate payments statutory requirement is being ignored, see “Bait-and -Switch: The Obama Administration’s Flouting of Key Part of Nelson ‘Deal’ on ObamaCare” here.)

 

VIOLATION OF CURRENT LAW

103 of the 112 insurance plans that Members of Congress and congressional staff are being directed to (the Obamacare exchange offered in the District of Columbia -DC Health Link) INCLUDE ELECTIVE ABORTION coverage. Only nine plans offered exclude elective abortion.  (Click here to view flyer regarding the nine plans.)

Many congressional staff –knowingly and unknowingly—signed up for these abortion plans marking a distinct departure from the Smith Amendment, a longstanding law prohibiting abortion coverage in plans provided to federal employees.   This was uncovered in an article by Anna Higgins, Director of the Center for Human Dignity at the Family Research Council.  Anna tried to identify which plans in the D.C. HealthLink excluded abortion.  Telephone representatives for the D.C. HealthLink erroneously informed Anna that all plans on the D.C. exchange include elective abortion.  When Anna published her article about her experience, she was quickly contacted by D.C. officials who apologized, gave the information, added a website FAQ, and informed her that D.C. HealthLink staff would be retrained on the subject so as to correctly answer questions in the future. The FAQ is a step in the right direction although abortion coverage is still not easily identifiable when browsing plans on the D.C. exchange.

The amendment offered by Rep. Chris Smith (R-NJ) three decades ago to ban abortion funding in the Federal Employees Health Benefits Programs is still current law. Like the Hyde Amendment, the Smith Amendment prohibits the Office of Personnel Management (OPM) from funding or even engaging in administrative activities in connection with any plan that includes abortion. However, the Obama Administration is now violating the Smith amendment since OPM has begun to administer a system for Members of Congress and their staff to obtain taxpayer-subsidized insurance coverage that pays for the destruction of innocent unborn children.

 

WHAT IS THE CONCERN?

More taxpayer funds mean more abortions.  Experience with Medicaid indicates that unborn children are saved when abortion is not subsidized by the taxpayers. According to publications by the pro-abortion Alan Guttmacher Institute:

·         “In the absence of funding, a significant percentage of pregnancies that would have otherwise been aborted are instead ca
rried to term,”

·         “Approximately one-fourth of women who would have Medicaid-funded abortions instead give birth when this funding is unavailable.”

 

Legislation that addresses the problems of secrecy (short of full repeal):

Rep. Chris Smith’s “Abortion Insurance Full Disclosure Act” (H.R. 3279).

 

What can you do? Read more HERE.

 

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Looking for Pro-life Insurance in the Evergreen State

In February our friends at the Family Policy Institute of Washington, in Washington State, tried to access non-abortion plans on the Washington Exchange.   What they found has been mirrored in many other states as well.

 

Washington State Insurance Exchange Report

 

I approached the Washington state health insurance exchange as a consumer, starting with healthcare.gov and speaking with sales associates over the phone. It took hours of research to find 1) how many insurance companies operate in the state exchange 2) how many plans exist in the state exchange, and 3) which of those plans cover abortion.

 

In order to find all of the information I needed, I had to visit the state exchange website (www.wahealthplanfinder.org), the state commissioner’s website (www.insurance.wa.gov/your-insurance/health-insurance/individuals-families/contact-companies/.) and the federal Office of Personnel Management website (www.opm.gov/healthcare-insurance/multi-state-plan-program/ – WA).

 

The setup of wahealthplanfinder.org allowed me to see the insurance companies of only one county at a time. I found 7 insurance companies1 in the state exchange by means of the state commissioner’s website. I searched the websites of each insurance company to find a total of 78 plans2.  Within the Summary of Benefits Covered, 23 of the plans explicitly mentioned abortion coverage, while the other 55 plans made no mention of abortion. When I called each insurance company, I discovered that all of the state exchange plans cover abortion, except for Premera’s multistate plans. It was unclear until visiting the federal OPM website that Premera is the only company offering multistate plans, and they offer 8 multistate plans. Out of 78 plans in the state exchange, 8 plans exclude abortion coverage.

 

The concreteness of the information I was provided over the phone varied based on insurance company. Group Health, Community Health Plan of WA, Bridgespan, Molina and Kaiser Permanente mentioned that while all their plans cover abortion, the amount of coverage (deductible, out-of-pocket, cost-shares, co-insurance) depends on the plan. Community Health Plan of WA mentioned that one would get the best benefit with in-network providers. Coordinated Care was reluctant to discuss details and said abortion coverage is subject to pre-approval, while related aspects (prescriptions, hospital stays) under the 10 Essential Benefits would be covered.

 

A consumer wondering which insurance plans in the Washington state exchange cover abortion has the choice of remaining uninformed, or spending hours researching to find clarity. Consumers would benefit from a requirement that insurance companies disclose whether their plans include abortion coverage.

 

1 I considered Premera and Lifewise one company, with different plans under each name.

 

2I used a definition of “plan” that considers plans with the same name, but different deductible amounts as distinct plans.

 

Join us tomorrow when Rep. Chris Smith (R-NJ) talks about his efforts to make the Obamacare state exchanges more transparent for pro-lifers in the market place and Joseph Backholm, the Executive Director of FPIW talks about his team’s efforts to discover the problems in their state.

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Irreplaceable: Don’t Miss It!

What are you doing on Tuesday, May 6th?

Consider taking a trip to your local movie theater to see Focus on the Family’s “Irreplaceable,” which will be in 700+ theaters nationwide for a one-night event.

Irreplaceable is a powerful documentary on the state of the family in our society, and how this impacts each of us, personally. The filmmakers include academic research as well as many poignant personal interviews. While acknowledging the depth of wounded-ness (culturally and personally) in these areas, the viewer is still left with tremendous hope. In the words of one of the filmmakers, “It is better to be a redeemed family than a perfect family.”

More information and tickets can be found at IrreplaceableTheMovie.com.

Below is just one of the thought-provoking clips on society’s commodification of babies and children.

 

You won’t want to miss it!  And bring a friend – it’s a powerful way to impact our culture. 

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Making Gosnell a Household Name

How many Americans recognize the faces and names of notorious murderers?

A lot.

How many Americans recognize the face and/or name of abortionist Kermit Gosnell?

Hardly any. 

See for yourself:

Filmmakers Phelim and Ann McAleer are seeking to change that (Phelim conducted the “man-on-the-street interviews above).  They recently announced a historic crowdfunding campaign to raise the capital to produce a movie on “America’s biggest serial killer, abortionist Kermit Gosnell and the media cover-up.”

For those who are unfamiliar with crowd-funding, it’s the process by which individual supporters can donate to a project to see it to fruition, similar to donating to a political campaign or non-profit organization.  So whether you can donate $1, $100 or $1000, you too can provide financial support to make this movie happen, and to get the truth out to the world about the evil deeds of Kermit Gosnell.

On Tuesday, April 22nd, Phelim joined a Bloggers Briefing at the Heritage Foundation in Washington, D.C. to talk about the project and provide an update on funding.  Interestingly, while he and his wife are now in the filmmaking business, Phelim started out his career as a crime reporter in North Ireland.  That background led him to a court room in Philadelphia last year to check out the trial of abortionist Gosnell.

McAleer was completely shocked that the courtroom was virtually empty, and the story was nearly devoid of coverage, except for pro-lifers. 

That’s the motivation behind this campaign and film – to make Gosnell a household name.  Social media helped during the trial last year, but there is still widespread ignorance of the story.  By donating to the Gosnell Movie, and encouraging your friends and family to do, you can play a small part in bringing this story to national attention.

More importantly – when people are confronted with the reality of post-birth, partial-birth, and late term abortion, they are forced to grapple with the evil of abortion.  The McAleer’s story exposing Gosnell will do just that, and thus the film could be very influential in impacting our culture for life. 

Don’t forget that you can help – check out and share GosnellMovie.Com.