Infertility Coverage: What You Need to Know and What You Can Do About It

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Finding out about your medical insurance benefits for infertility can be an overwhelming and frustrating job. In some states, insurance companies are required by law to provide coverage for infertility diagnosis and treatment. They are Arkansas, Hawaii, Illinois, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, and West Virginia.

California, Connecticut, and Texas, insurers are only required to offer this type of coverage. However, it's up to each employer to purchase a rider that covers these benefits. And if your employer is self-insured, the state mandates do not apply.

Florida has no regulations concerning infertility coverage, therefore, the best possible position for you is to advocate for yourself. Fertility C.A.R.E. believes that education is power. So we have listed some information (see sidebar at right) from websites that will educate you on your rights for coverage.

Fertility C.A.R.E. does not endorse any of the websites to the right nor is it responsible for the information you may find on the other pages of the site.

And contact us at Fertility C.A.R.E. to answer any of your insurance questions. We will be happy to talk with you about the insurance companies we work with and financing options.

To learn more about shared risk offers on IVF procedures, read this article by David Adamson, MD from Contemporary Ob/Gyn, May 1, 2004. Money Back IVF Guarantees: Weighing the Pros and Cons.