Quality Compassionate Health Care For Women
Abortion is Often Covered by Insurance
Many private insurances cover the abortion, birth control and gynecological services offered at FPA Chicago. The Reproductive Rights Act passed in Illinois in July of 2019, and requires private insurance policies to cover abortion services when the policy covers other reproductive health services. For more information please click here.
Please note that this list is subject to change at any time.
You may not see your insurance company listed, but we can verify your benefits. We are able to bill all insurance plans, but the eligibility and benefits are subject to out-of-network coverage in these situations.
Family Planning Associates will submit an insurance claim to your carrier at your request. You will be responsible for the amount determined by your insurance plan – this could be a copay, deductible and/or co-insurance.
If you have insurance coverage through more than one insurance provider please inform our staff.
We will call to check your insurance coverage before your visit, but in some rare situations we are given incorrect information. If your insurance does not cover your services, after they are billed, you will be asked to pay our uninsured fee.
If you have questions 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 services provided. If you are uninsured (do not have private insurance or public aid) 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.
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 required), medications given on the day of the procedure and post-procedure medications and your post-operative care as authorized 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
Call us today to speak with our staff or schedule your appointment.
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. Starting January 1, 2018 Illinois Medicaid began covering abortion care, for all women receiving their health benefits, making the abortion procedure free for you. This includes free medication abortion up to 10.0 weeks and free in-office abortion care with sedation up to 23.3 weeks.
For women 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 financial assistance from The National Abortion Federation and other abortion funds when possible. We will work with you to help you get financial assistance you need.
Yes, if you are listed as a dependent on their insurance plan you can use your parent(s) insurance. Please note that not all insurance policies cover our services, we will need to check your benefits before your appointment. Once we have this information we will let you know about your benefit details before you come in for your visit. This information will allow you to financially prepare for your visit.
With most insurance carriers, an explanation of benefits or ‘EOB’ is sent to the ‘primary’ person on the policy, your parent, by mail or electronically. While we will never notify your parent(s) about your medical care without your permission, it is possible that your parent(s) 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.
With most insurance carriers, an explanation of benefits or ‘EOB’ is sent to the ‘primary’ person on the policy by mail or electronically. While we will never notify your parent(s) about your medical care without your permission, it is possible that your parent(s) 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.
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 with our 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.
Since January 1, 2018 Illinois Medicaid covers abortion care, which means that you can get a free abortion procedure. If you have current Illinois Medicaid coverage or it looks like you will be eligible and you willing to apply for coverage we can provide free abortion services for you as well. Once we have seen that you have a pending application or current coverage, we will be able to provide you abortion care a no cost to you. This includes free medication abortion up to 10.0 weeks, free first trimester abortion care in our office up to 13.6 weeks, and free second trimester abortion care including cervical preparation and sedation up to 23.3 weeks. In the first trimester you can choose to be awake or asleep for your procedure, but sedation is required with a second trimester abortion. Sedation, medications, ultrasound, basic lab work, and a physical examination are all included with FPA’s free abortion care.
If you would like to know if you are eligible for Illinois Medicaid coverage please contact our office today. Our phone staff can help you see if it looks like you will be able to get coverage through the state of Illinois after going over some basic financial information with you. The application for Illinois Medicaid can be completed online and it only takes about 15-20 minutes. You do not have to wait for the application to be approved before you come in for your procedure. You can just email proof of the completed application or bring printed proof with you on the day of your appointment.
If you live outside of Illinois or are not eligible for Illinois Medicaid, FPA does offer affordable abortion services, gynecological care, and family planning services. While abortion services are not free of charge entirely we will do everything we can to help you get the financial assistance you need. There is financial assistance avaialble through several abortion funds. Please let one of our staff members know if you are facing financial hardship and need of help with your payment.
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.
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 firstname.lastname@example.org. 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.
We are misquoted benefits on a rare occasion from an insurance carrier. Sometimes your coverage has ended or your particular policy does not cover elective procedures. In these cases, we may ask for a reduced balance, typically the uninsured rate.
If you have any additional questions, please call 312-707-8988 and ask to speak with the insurance department.