There is a law in the state of Illinois to mandate better coverage for fertility treatment. Does that mean my insurance must cover my treatments?
There is a law in Illinois known as the “Family Building Act,” which passed narrowly in 1992, that demands better insurance coverage for couples undergoing treatment for infertility. However, there are exceptions that allow many companies to avoid offering such coverage. Employers who have less than 25 or more than 250 employees are exempt, as are companies that are self-insured and those that conduct business in Illinois but are based in another state. Consequently, many of our patients still have no insurance coverage for their infertility treatment. However, the majority of HMOs in the state of Illinois are required to offer some amount of fertility coverage, including up to four IVF cycles for your first child and two cycles thereafter. If you are unsure what kind of coverage your policy offers, contact your company’s human resources department.
