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Indiana

Insurance Prohibition for Abortion

Does Indiana prohibit private insurance plans from covering abortion services? Yes.  Health-insurance plans, including plans offered in the new state exchange under health-care reform and state employee insurance plans, may not include abortion coverage, with exceptions only to save a woman's life, avert substantial and irreversible impairment of a major bodily function, or if the pregnancy is the result of rape or incest.  Abortion coverage may be obtained only through an optional rider for which an additional premium is paid. However, nothing in the law requires an insurer to offer such a rider.  Ind. Code Ann. §27-8-33 (1-4) (Enacted 2011); Ind. Code Ann. §27-8-13.4 (Enacted 2014); Ind. Code Ann. §27-13-7-7.5 (Enacted 2014).

Does Indiana prohibit plans in its state exchange from covering abortion services? Yes.  Health-insurance plans, including plans offered in the new state exchange under health-care reform and state employee insurance plans, may not include abortion coverage, with exceptions only to save a woman's life, avert substantial and irreversible impairment of a major bodily function, or if the pregnancy is the result of rape or incest.  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.  Ind. Code Ann. §27-8-33 (1-4) (Enacted 2011); Ind. Code Ann. §27-8-13.4 (Enacted 2014); Ind. Code Ann. §27-13-7-7.5 (Enacted 2014).

Does Indiana prohibit insurance plans for public employees from covering abortion services? Yes.  Health-insurance plans, including plans offered in the new state exchange under health-care reform and state employee insurance plans, may not include abortion coverage, with exceptions only to save a woman's life, avert substantial and irreversible impairment of a major bodily function, or if the pregnancy is the result of rape or incest.  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.  Ind. Code Ann. §27-8-33 (1-4) (Enacted 2011); Ind. Code Ann. §27-8-13.4 (Enacted 2014); Ind. Code Ann. §27-13-7-7.5 (Enacted 2014).

Does Indiana 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 law requires an insurer to make such riders available and there is little evidence that insurers offer these products.  Ind. Code Ann. §27-8-33 (1-4) (Enacted 2011); Ind. Code Ann. §27-8-13.4 (Enacted 2014); Ind. Code Ann. §27-13-7-7.5 (Enacted 2014).


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