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Missouri

Insurance Prohibition for Abortion

Does Missouri prohibit private insurance plans from covering abortion services? Yes.  Health-insurance policies may not include abortion coverage, with an exception only to save a woman's life.  Abortion coverage may be obtained only through an optional rider for which an additional premium is paid. (It should be noted that, there is no evidence elsewhere that such separate policies exist. Even if they did exist, offering women the "option" to pay for separate abortion coverage is a false promise because no one plans for an unplanned pregnancy.)  Mo. Ann. Stat. § 376.805 (Enacted 1983; Last Amended 2010).  A court upheld the constitutionality of this law in Coe v. Melahn, 958 F.2d 223 (8th Cir. 1992).

Does Missouri 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 no exception.  Mo. Ann. Stat. § 376.805 (Enacted 2010).

Does Missouri prohibit insurance plans for public employees from covering abortion services? Yes.  Health-insurance policies may not include abortion coverage, with an exception only to save a woman's life.  Abortion coverage may be obtained only through an optional rider for which an additional premium is paid. (It should be noted that, there is no evidence elsewhere that such separate policies exist. Even if they did exist, offering women the "option" to pay for separate abortion coverage is a false promise because no one plans for an unplanned pregnancy.)   Mo. Ann. Stat. § 376.805 (Enacted 1983; Last Amended 2010).  A court upheld the constitutionality of this law inCoe v. Melahn, 958 F.2d 223 (8th Cir. 1992).

Does Missouri prohibit the purchase of extra coverage for abortion services? Yes, in the state exchange.  Missouri law prohibits plans in the state exchange from offering abortion coverage through an optional rider for which an additional premium is paid.  (It should be noted that, even if a rider were permitted, there is no evidence elsewhere that such separate policies exist. Even if they did exist, offering women the "option" to pay for separate abortion coverage is a false promise because no one plans for an unplanned pregnancy.)  Mo. Ann. Stat. § 376.805 (Enacted 2010). 


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