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FPA Abortion care

Insurance Information

Abortion is Often Covered by Insurance for Illinois Residents

Many private insurances based in Illinois cover elective abortion, birth control and gynecological services offered by FPA Chicago. The Reproductive Rights Act was passed in Illinois in July 2019, and requires private insurance policies to cover abortion services when the policy covers other reproductive health services. For more information, please click here.

Illinois Medicaid also covers abortion care. If you have limited or no coverage for abortion care, you may be eligible for Illinois Medicaid coverage.

Most states that restrict access to abortion care also do not allow private insurers to cover abortion care. For more information about the laws in your state, please visit the Guttmacher website for more information.

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Abortion Funding Organizations

Chicago Abortion Fund (CAF)

Hoosier Abortion Fund – Indiana 

The National Network of Abortion Funds

Registration Forms

You can complete your registration forms online before you arrive. Simply fill out the forms and print to bring in on the day of the appointment

Contracted Insurance Plans

Blue Cross Blue Shield PPO We are able to take BCBS PPO insurance for gynecological services as well as abortion services.
Blue Cross Blue Shield – HMO of Illinois We are able to accept BCBS HMO insurance for abortion services only. With an HMO plan the patient must get a referral from their primary care physician or insurance company.

If we are not contracted with your insurance or your insurance does not cover abortion care, we offer affordable fees cash fees for patients who are paying for their care out of pocket. We can also refer you to another provider who may be contracted with your insurance company. In most cases, we can provide an itemized bill for you to submit to your insurance company yourself.

If you are an Illinois resident facing financial hardship, Illinois Medicaid covers abortion care. Pregnant patients may be eligible for the Medicaid Presumptive Eligibility Program, which helps patients get medical coverage the same day that they apply.

*Please note that this list is subject to change at any time.

If you have insurance coverage through more than one insurance provider, please tell our staff.

We will call to check your insurance coverage before your visit by contacting your insurance company directly. The coverage information that we are given by your insurance is never guaranteed, and in some situations, we are given incorrect information. If your insurance company does not cover your services, after they are billed, you will be asked to pay our uninsured fee.

If you have questions or concerns about privacy with regard to how your insurance company handles your medical health information, you should contact your insurance carrier using the customer service phone number located on your insurance card. We cannot guarantee confidentiality once services are billed because every insurance company has their own policies and practices.

Uninsured / Self Pay Information

We have usual and customary rates for all of the services we provide. If you are uninsured (do not have private insurance or Medicaid) we are able to offer a global uninsured fee for abortion care for our self-pay patients. This means you will pay one fee for all of the care you receive, there are no extra charges or fees if you need additional medications, for example.

Please do not delay your care if you are having a hard time affording the fee you are quoted. There is help available if you cannot afford to pay for our services. If you are an Illinois resident, you may be eligible for abortion services at no cost to you.

The global uninsured (self-pay) fee for abortion care includes pregnancy testing, admitting, pre-operative history and physical, ultrasound, lab work, the abortion procedure or medications used to induce an abortion, RhoGAM or MicRhoGAM if needed, medications given on the day of the procedure and post-procedure medications and your post-operative care when it is authorized and provided by our medical staff.

Fees for gynecological and birth control visits vary depending on what services and testing is provided. We strive to keep fees for these services affordable, but they are dependent on external costs from our lab and medical supply companies.

Frequently Asked Questions

If you have Illinois Medicaid as your primary or secondary insurance, please let us know. Your services should be covered in full. For more information, please click here.

Our fees are based on the length of pregnancy and your out-of-pocket cost will depend on your insurance coverage. Often, insurance can help to reduce your out of-pocket expenses.

Illinois Medicaid covers abortion care. If you have current Illinois Medicaid coverage or are eligible and willing to apply for coverage, we can provide free abortion services for you. It takes about 10 minutes to complete the application for emergency coverage, in our office.

If you live outside of Illinois or are not eligible for Illinois Medicaid, please know that Family Planning Associates does offer affordable abortion and family planning services. While abortion services are not free of charge in most cases, we will do everything we can to help you get the financial assistance you need. Please let one of our staff members know if you are facing financial hardship. We do not want you to delay care for financial reasons.

Please call us for more information. We will work with you and help you obtain financial assistance so that you can come in as soon as possible for the care that you need. There is also help available with transportation and travel expenses.

We offer free pregnancy tests.

Most of our patients do not have to pay for abortion care if they live in Illinois. Illinois Medicaid fully covers the cost of abortion care. If you have current Illinois Medicaid coverage or are eligible and willing to apply for coverage, we can provide free abortion services for you. It takes about 10 minutes to complete the application for emergency coverage, in our office.

If you live outside of Illinois or are not eligible for Illinois Medicaid, please know that Family Planning Associates does offer affordable abortion and family planning services. Most patients qualify for generous financial assistance and reduced fees. We will do everything we can to help you get the financial assistance you need. Please let one of our staff members know if you are facing financial hardship. We do not want you to delay care for financial reasons.

Please call us for more information. We will work with you and help you obtain financial assistance so that you can come in as soon as possible for the care that you need. There is also help available with transportation and travel expenses.

If you have current Illinois Medicaid coverage or are eligible for Illinois Medicaid and willing to apply for coverage, we are able to provide abortion care for you at no cost.

For patients who live out of state or are not eligible for Illinois Medicaid - At FPA, we work very hard to make sure that all patients can afford our services regardless of insurance coverage. We offer discounted fees when a patient is uninsured or facing financial hardship. Many of our patients receive very generous financial assistance from The National Abortion Federation, the Chicago Abortion Fund, and other funding organizations when possible. We will work with you to help you get the financial assistance you need.

There are some special considerations if you are using insurance to cover the cost of your care.

  • If you have private insurance through a parent, you may not be able to use your insurance and keep your care confidential. Most private insurance companies send statements in the mail or electronically that explain the medical care provided in detail. We will help you find financial assistance if you cannot use your insurance and you cannot afford to pay for all of your care out of pocket.
  • Your care should be covered confidentially without any information being sent via mail or electronically to your family, if you have Illinois Medicaid coverage.
  • When you use a credit or debit card to make a payment, the charge will state ‘Family Planning Associates’. Anyone who has access to the account will be able to view the charge.

When you take a medication to the pharmacy, that medication will become part of your record and usually is automatically billed to your insurance.

  • Your parent may have an email or text alert set up to notify them when a medication is ready for pickup.
  • The safest option, if you do not want your family to know about your prescription medication, is to use a different pharmacy chain from the one your family normally uses.
  • Make sure to ask the pharmacy staff if you have ever had a prescription filled with that chain and if they have any information on file for you.
  • Remember to request to pay out of pocket for your medications. You can use programs like Good RX for discounted prices.

We Respect Your Privacy. We will never give your adult family member, or anyone, any medical information or information about your appointment, unless you ask us to. Please let our staff know if you have any privacy concerns.

You do not have to tell a parent or an adult family member about your choice, if you are planning on having an abortion procedure. This is true whether you live in Illinois or are travelling from another state.

If you choose not to involve a parent, we can take steps to help protect your privacy but there are some special considerations if you are using insurance to cover the cost of your care.

If you have private insurance through a parent, you may not be able to use your insurance and keep your care confidential. Most private insurance companies send statements in the mail or electronically that explain the medical care provided in detail. We will help you find financial assistance if you cannot use your insurance and you cannot afford to pay for your care out of pocket.

If you have Illinois Medicaid coverage, your care should be covered confidentially without any information being sent via mail or electronically to your family – unless you ALSO have a private insurance policy as well.

When you use a credit or debit card to make a payment, the charge will state ‘Family Planning Associates’. Anyone who has access to the account will be able to view the charge.

When you take a medication to the pharmacy, that medication will become part of your record and usually is automatically billed to your insurance.

Your parent may have an email or text alert set up to notify them when a medication is ready for pickup.

The safest option, if you do not want your family to know about your prescription medication, is to use a different pharmacy chain from the one your family normally uses.

Make sure to ask the pharmacy staff if you have ever had a prescription filled with that chain and if they have any information on file for you.

Remember to request to pay out of pocket for your medications. You can use programs like Good RX for discounted prices.

If you have a unique concern or special request that would help us protect your privacy, please inform our staff.

Insurance companies will only cover services for patients who are listed on the insurance policy. Since your partner will not be receiving medical treatment from our facility, we cannot bill their insurance company for the service unless you are also listed on the plan as a spouse or a domestic partner.

We will never notify your partner about your medical care without your permission. However, if you are using health insurance that has your partner listed as the ‘primary’ on the policy (for example if the insurance is through their job), it is possible that your partner may have access to the billing information we provide to your insurance company. If this is a concern for you, we recommend that you contact your insurance company to discuss their policy on confidential services.

Our fees are based on the length of pregnancy and your out-of-pocket cost will depend on your insurance coverage. Often, insurance can help to reduce your out of-pocket expenses.

Illinois Medicaid covers abortion care. If you have current Illinois Medicaid coverage or are eligible and willing to apply for coverage, we can provide free abortion services for you. It takes about 10 minutes to complete the application for emergency coverage, in our office.

If you live outside of Illinois or are not eligible for Illinois Medicaid, please know that Family Planning Associates does offer affordable abortion and family planning services. While abortion services are not free of charge in most cases, we will do everything we can to help you get the financial assistance you need. Please let one of our staff members know if you are facing financial hardship. We do not want you to delay care for financial reasons.

Please call us for more information. We will work with you and help you obtain financial assistance so that you can come in as soon as possible for the care that you need. There is also help available with transportation and travel expenses.

If there are changes to your insurance, just let us know as soon as possible. When you arrive at our facility, the receptionist will ask to see your insurance card and your photo identification. Please be prepared with these items, or contact us before your appointment to make alternative arrangements.

If your insurance plan requires a referral, it is your responsibility to contact your primary care physician or insurance company before your visit with Family Planning Associates. If you do not have an authorized referral on the day of your appointment, we will not be able to bill your insurance for your services.

We strongly recommend that you have your referral sent to our office before your appointment. It can be sent to us via fax at (312) 707-9223 or email at info@fpachicago.com. Sometimes the referrals we receive have errors. If your physician’s office is closed or unable to respond to same day requests, we may not be able to get a corrected copy of the referral on the same day.

When we verify your eligibility and benefits, we ask your insurance company detailed questions about your coverage. If you have a deductible or co-insurance, payment due, that means you have not met (paid in full) your deductible for the year or perhaps your insurance company only covers part of the cost associated with your services.

Any payment that you make to FPA will be reported to your insurance company, at your request. This means that your payment to us will help lower your out-of-pocket insurance costs for the rest of the year, in most cases.

When you schedule an appointment for an abortion services or a gynecological service, we will ask that you provide us with your insurance information. We do this as a courtesy for our patients. Once we have this information, we can verify your insurance coverage and let you know about your benefit details before you come in for services. This information will allow you to financially prepare for your visit.

It is rare, but sometimes we receive inaccurate information about your coverage from your insurance carrier.

If your insurance coverage is terminated, even after your visit, the insurance company can refuse to pay on your claim.

Some insurance policies just do not cover elective abortion procedures.

In these cases, we can offer you our discounted, uninsured rate.

If you have any additional questions, please call 312 707-8988 and ask to speak with the insurance department.

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