IDOI reminds health insurers to protect women’s access to coverage for reproductive health care services, including abortion and contraceptives

Chicago- The Illinois Department of Insurance (IDOI) today issued Corporate Bulletin 2022-15 to reaffirm guidance for Illinois licensed health insurance issuers regarding coverage for reproductive health care services for state-regulated private health insurance plans.

“We advise health insurers that Illinois law remains unchanged regarding coverage for abortion services and contraceptives,” said IDOI Director Dana Popish Severinghaus. “We want the people of our state to know that their right to make decisions about their reproductive health is protected, and we expect Department-regulated insurers to continue to comply with all state and federal laws relating to reproductive health. non-discrimination in health care services.”

The Reproductive Health Act requires state-regulated private health insurance plans that provide pregnancy-related benefits to cover abortion. The requirement includes plans purchased in the Affordable Care Act (ACA) health insurance market and coverage through an employer who offers a fully insured plan. *

In addition to mentioning the Reproductive Health Act, Company Bulletin 2022-15 refers to federal law

No Surprises Act which, in addition to broad surprise billing protections, also provides protections for people who may inadvertently or unknowingly receive abortion services from a provider that is out of network as part of their health insurance scheme. Protections granted under federal law with no surprises apply to plan years beginning on or after January 1, 2022, for all group health plans and all group or individual health insurance coverages.

“IDOI is prepared to assist Illinois with advice related to insurance coverage and to file complaints against any state-regulated insurer that they believe may have violated their coverage-related rights,” said director Popish Severinghaus.

Consumers who have questions about their health insurance policies, their insured rights, or how to file appeals, complaints, and requests for external review for denied services can call the IDOI Office of Insurance consumer illness at 877-527-9431.

*This requirement does not apply to employers who offer self-funded group health plans, which are preempted from state regulations.

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