Infertility Insurance Coverage - Whats Covered Where?

Before beginning any discussion about insurance coverage, its important to explain the status of fertility benefits in the various States in the Union. Required coverage of infertility varies greatly from State to State. Not every employer is required to cover fertility treatments; this benefit is delineated per state.

States that do require some benefit level for infertility treatments are called mandated to cover states. The list is short, and exact mandates vary from State to State. Arkansas
Hawaii
Illinois
Maryland
Massachusetts
Montana
New Jersey
New York
Ohio
Rhode Island
West Virginia

Others, called mandated to offer states, require infertility benefits to be offered for additional purchase.
California
Connecticut
Texas

Seems pretty clear cut, right? Of course! Everything that involves Government and Insurance is uncomplicated!?! To make it even more complicated, large, national corporations oftentimes offer the same benefits company-wide, resulting in exceptions to the States directive. Consult your Human Resources office to find out which States laws govern your companies policies. For example, you may live in a state that mandates coverage, but work for a company that is not required by the federal government to meet the States benefit mandate, find out which States mandate they must follow. On the other hand, if you live in a state that does not require fertility coverage; you may still be covered through your employer. Speak with your HR department and find out exactly what rules your company follows.

In addition to these complications, many times your healthcare plan may cover some parts of your treatment even if you work in a state that does not mandate coverage. It is extremely important, therefore, that you contact your companys Human Resources department and your healthcare plan provider to discuss in detail your benefits. Dont delay speaking with your HR Dept. start getting educated about your options today.

Put Mindy Berksons experience in the infertility field guiding hundreds of intended parents, globally, to work for you through Lotus Blossom Consulting. Find out more about us and what others are saying about us at http://www.LotusBlossomConsulting.com

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