Will My Insurance Pay For My Girlfriend’s Abortion?

October 1, 2025

If you’ve just learned your girlfriend is pregnant, you may be wondering if your health insurance can help cover the cost of an abortion. This is a common question, but the answer often depends on your relationship status, specific insurance policies, and state laws.

At this stage, take your first best step and schedule an appointment at First Choice Pregnancy Services. We provide free pregnancy testing, ultrasounds, and a safe space to discuss your questions and concerns.

Can Your Insurance Cover Your Girlfriend?

Probably not. Most insurance companies only extend coverage to legal relationships, such as a spouse or domestic partner. If you and your girlfriend are not married or in a legally recognized partnership, it’s unlikely your policy will cover her medical care, including abortion costs.

Nevada’s Insurance Laws on Abortion Coverage

Nevada law does not ban or require private health insurance plans to cover abortion. Some policies may include coverage, while others do not. 

Medicaid in Nevada covers abortion only in cases of rape, incest, or when the pregnancy endangers the woman’s life. This means that most women cannot receive coverage for elective abortion when they have a state-funded insurance plan.

What Insurance Options Does She Have?

Even if your insurance won’t cover her, your girlfriend should seek insurance coverage during pregnancy. No matter what pregnancy option she’s leaning toward, it’s vital for protecting her health and preventing enormous bills.

Here are a few insurance options you can help her explore:

• Employer-Sponsored Insurance – If she works, she can ask her employer about health coverage eligibility.

• Nevada Medicaid – If she meets the income requirements, she could qualify for pregnancy-related coverage for her prenatal care and other needs.

• Private Insurance – She can explore buying her own plan, though this is often the most expensive option.

• Parents’ Insurance – If she is under 26, she may still be eligible for coverage under her parents’ policy.

• Marriage –  Marriage is a lifelong commitment. If you have been discussing marriage for a while and feel ready, this is an option. Once married, you would likely be able to add her to your insurance policy due to a qualifying life event.

Visit Us for Free Pregnancy Services

Facing an unplanned pregnancy can feel stressful, but you don’t have to navigate it alone. 

At First Choice Pregnancy Services, your girlfriend can confirm her pregnancy, learn about all her options, and receive ongoing support at no cost. You are welcome to join her for her appointment.

Schedule an appointment today and take this important step together.