Accepted Insurance Plans
Many private insurances cover both abortion and gynecological services offered at FPA Chicago. Family Planning Associates Medical Group participate in the following networks:
|Blue Cross Blue Shield PPO||We are able to take BCBS PPO insurance for gynecological services as well as abortion services.|
|Blue Cross Blue Shield- HMO of Illinois||We are able to accept BCBS HMO insurance for abortion services only. With an HMO plan, the patient will be responsible for obtaining a referral.|
Please note that this list is subject to change at any time.
Although you may not see your insurance carrier listed, it doesn’t mean that we cannot take your insurance information and verify your benefits. Please note that we are able to take other insurance plans, but the eligibility and benefits are subject to out-of-network participation.
Family Planning Associates will submit the insurance claims to your carrier, upon your authorization. You will be responsible for the amount determined by your insurance plan; this could be a copay, deductible and/or co-insurance. For some insurance carriers, we have a contracted rate for services rendered, which may discount the amount the carrier will pay on your claim.
If your insurance does not cover the services, after a predetermination of benefits, you may be offered our uninsured fee. If we are given a misquote of benefits, our insurance department may offer you our uninsured fee to pay the balance.
If you have questions about privacy, explanation of benefits or specific insurance information, you should contact your insurance carrier using the customer service phone number located on your insurance card. We cannot guarantee confidentiality of the services billed to your insurance.
We do not participate in any Medicare or Medicaid insurance plans. However, we do offer a discount to our uninsured patients if you are currently covered under a public aid card. You will need to have your photo identification and current Medicaid card present at the time of your service. Medicaid covers birth control prescriptions and devices when purchased at a Medicaid-participating pharmacy.
Can I use my parent’s insurance?
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.
Will my parents find out?
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.
Does my boyfriend’s insurance cover my services?
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.
Does my partner need to know?
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.
How much does it cost to have an abortion?
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.
What should I do if my insurance information changes?
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.
What if my insurance requires a referral?
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.
Why are you asking me to pay my deductible or a coinsurance payment at my appointment time?
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.
Why are you asking for my health insurance information before I come in for my visit?
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.
Why didn’t my insurance company pay for the procedure?
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.