States mandating coverage for invitro fertilization
Here are some facts to help you investigate what your health insurance can do for you.
The Affordable Care Act: Good News and Bad News The passage of the Affordable Care Act (ACA,) sometimes called Obamacare, mandates that health insurance companies provide the same set of essential health benefits, including outpatient care, hospitalization, emergency services, prescription drugs, maternity and newborn care, preventive and wellness services and pediatric services.
They can also provide additional health benefits if the plan chooses.
The bad news first: Infertility treatment is not one of the essential health benefits mandated by the ACA.
Perhaps you don’t have coverage for fertility treatment through your insurance, or you have exhausted your benefits. We offer financing programs specifically for self-pay patients.
Insurance coverage for infertility, artificial inseminations and in vitro fertilization varies greatly.
Some insurance plans will cover no infertility services, some pay for all of it and many are somewhere in between.
RESOLVE has a good summary of mandated coverage on their website. If your state does not mandate coverage, some of your diagnosis and treatment may still be covered by your insurance policy.
Your insurance carrier and your employer determine the level of coverage your policy offers.