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Arizona

Insurance Prohibition for Abortion

Does Arizona prohibit private insurance plans from covering abortion services? Yes, in the state exchange.  Health-insurance policies offered in the new state exchange established under health-care reform may not include abortion coverage, with exceptions only to save a woman's life or avert substantial and irreversible impairment of a major bodily function.   Abortion coverage may be obtained only through an optional rider for which an additional premium is paid.  However, nothing in the act requires an insurer to offer such a rider.  Ariz. Rev. Stat. §35-196.02 (Enacted 2011).

Does Arizona prohibit plans in its state exchange from covering abortion services?
Yes.  Health-insurance policies offered in the new state exchange established under health-care reform may not include abortion coverage, with exceptions only to save a woman's life or avert substantial and irreversible impairment of a major bodily function.   Abortion coverage may be obtained only through an optional rider for which an additional premium is paid.  However, nothing in the act requires an insurer to offer such a rider.  Ariz. Rev. Stat. §35-196.02 (Enacted 2011).

Does Arizona prohibit insurance plans for public employees from covering abortion services?
Yes.  Health-insurance policies provided to state employees may not include abortion coverage, with exceptions only to save a woman's life or avert substantial and irreversible impairment of a major bodily function.  Ariz. Rev. Stat. §35-196.02 (Enacted 2011).

Does Arizona prohibit the purchase of extra coverage for abortion services?
No.  Nothing in the law prohibits the purchase of abortion coverage through an optional rider; in theory, women may purchase a separate policy and pay an extra premium to receive abortion coverage.  However, nothing in the act requires an insurer to make such riders available and there is little evidence that insurers offer these products. Ariz. Rev. Stat. §35-196.02 (Enacted 2011).


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