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South Carolina

Insurance Prohibition for Abortion

Does South Carolina 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 if the pregnancy is the result of rape or incest. S.B. 102, 119th Gen. Assemb., Reg. Sess. (S.C. 2012) (to be codified at S.C. Code Ann. § 38-71-238).

Does South Carolina 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 if the pregnancy is the result of rape or incest. S.B. 102, 119th Gen. Assemb., Reg. Sess. (S.C. 2012) (to be codified at S.C. Code Ann. § 38-71-238).

Does South Carolina prohibit insurance plans for public employees from covering abortion services?
Yes.  Funds appropriated for health-insurance policies provided to state employees may not be used to pay for abortion services, with exceptions only to save a woman's life, or for which a delay will create serious risk of substantial and irreversible impairment of a major bodily function, or if the pregnancy is the result of rape or incest. H.B. 4657, 118th Gen. Assem., 2nd Reg. Sess. (S.C. 2010) (Enacted 2010).

Does South Carolina 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.  H.B. 4657, 118th Gen. Assem., 2nd Reg. Sess. (S.C. 2010) (Enacted 2010); S.B. 102, 119th Gen. Assemb., Reg. Sess. (S.C. 2012) (to be codified at S.C. Code Ann. § 38-71-238).


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