What states have mandated infertility coverage and does that mean that if I live in one of those states, I will be covered? Does mandated IVF coverage imply that donor egg IVF will also be covered?
Twelve states have mandates related to infertility coverage: Arkansas, California, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Montana, New York, Ohio, Rhode Island, and Texas. Note that these mandates do not apply to federal employees and other self-insured plans as those plans are not subject to state mandates. Many (perhaps most) large employers are self- insured and therefore exempt from these mandates. In many states, the mandate is merely a requirement that insurance companies must offer an infertility benefit to the insurer, but the mandates do not require that the insurer accept (and pay extra for) the infertility coverage offered. A summary of the mandates in each of these states is available at http://www.asrm.org. This site can also be accessed by a link provided from Fertile Thoughts (go to http://www.fertilethoughts.net, then click on “insurance info” then click on “Summary of State Infertility Insurance Mandates from ASRM”). Fertile Thoughts provides a good FA
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