Does Health Insurance Cover Infertility Treatment?
Most health insurance policies do not cover the costs of infertility diagnosis and treatments. However, in recent years certain states have introduced laws requiring certain insurance providers to offer or cover specific fertility treatments. These laws are known as mandates. There are two types of mandates: • Mandates to Offer: Mandates to offer require insurance companies to offer policies that cover infertility diagnosis and treatments. Employers must be made aware of these policies but are not required to include them in their employee benefits package. • Mandates to Cover: Mandates to cover require insurance companies to cover the cost of certain fertility treatments in every policy. Monthly premiums help to cover the costs of these treatments.
