Learning that your girlfriend may be pregnant can bring a lot of questions—about health, finances, and what to do next. One of the first things you might wonder is whether your insurance will help cover the cost of an abortion.

In most cases, health insurance policies only cover a legal spouse or domestic partner. If your girlfriend doesn’t fall under one of those categories, your insurance most likely will not pay for abortion or pregnancy-related medical care. However, your insurance provider can give you the specifics.

While you work through these questions, your girlfriend can receive free pregnancy testing, an ultrasound, and support at Clara Women’s Center. There are no insurance requirements for these services, and you can choose a time that works with both your schedules. 

Make an appointment together today.

Insurance Coverage Limitations for Girlfriends

Most insurance plans require a legal or financial tie before extending coverage. That means your girlfriend usually won’t be covered under your plan unless you’re married or in a domestic partnership. Even if she were eligible for your coverage, elective abortion may not be included in many plans.

Health Insurance Alternatives for Her

If your plan won’t apply to your girlfriend, here are some possible ways she can still get health coverage for necessary pregnancy care, which can include primary care, trips to an OB/GYN, and access to emergency care.

• MO HealthNet (Missouri Medicaid): This program provides medical benefits for those who meet income and family size requirements. Pregnant women may qualify for specific assistance.
  
• Employer-Sponsored Insurance: If she has a job with benefits, she should ask about coverage. Sometimes, switching to full-time employment is necessary.
  
• Private Health Insurance: An individual plan is an option, though generally more expensive than employer or state-based coverage.
  
• Change Your Relationship Status: Establishing a legal relationship, such as a marriage or domestic partnership would likely allow you to add her to your insurance plan. Only pursue this option if you’re both ready for that commitment.

Supporting Your Girlfriend Beyond Insurance

Insurance is only one piece of the puzzle. She needs your support and encouragement more than ever. 

You can also visit Clara Women’s Center in Harrisonville together. We provide free pregnancy confirmation services, education about all your options, and compassionate care in a safe and confidential setting. While we do not perform or refer for abortions, we are here to walk with you both through this decision-making time.

Take the first step and schedule an appointment today.

FAQs About Insurance and Pregnancy

Will my insurance pay for my girlfriend’s medical care?

Most insurance companies only cover spouses or legal domestic partners. Without that connection, your plan likely won’t cover her medical needs.

Could my girlfriend use her work benefits for pregnancy care?

Yes, if her employer provides health insurance. To qualify, she may need to meet certain employment requirements, such as full-time status.

What if my girlfriend has no current health insurance?

She may be eligible for MO HealthNet or other assistance programs. Clara Women’s Center also offers no-cost pregnancy testing, ultrasounds, and support services with no insurance required.