fertility coverage

california requires group insurers to offer coverage of infertility treatment with the exception of ivf. the required infertility benefits are diagnosis, diagnostic testing, medication, surgery, and gamete intrafallopian transfer. insurers must offer these services to employers and employers can then decide if they will provide the benefits to their employees.

new york requires group policies to provide various diagnostic tests and procedures for infertility. this includes up to 3 cycles of ivf for patients in the large group insurance market, necessary fertility preservation treatments for infertility caused by a medical procedure, and infertility prescription drug coverage. the other procedures included are hysterosalpingogram, hysteroscopy, endometrial biopsy, laparoscopy, sono-hysterogram, post coital tests, testis biopsy, semen analysis, blood tests, and ultrasound. new york’s laws do not require the coverage of ivf for individual or small group insurance markets. new york requires medicaid to cover infertility diagnosis, tests, and drugs but does not require coverage for infertility treatments.

oklahoma does not have laws requiring insurers to provide coverage for infertility treatments and procedures.

arkansas requires all individual and group insurance policies (excluding hmos) that offer maternity benefits to also cover ivf. insurers can then choose to include other additional infertility treatments along with the ivf benefit. the law also establishes a maximum lifetime ivf coverage of $15,000, requires that the ivf patient has been unsuccessful with other covered less expensive infertility treatments, and requires that the patient’s eggs are fertilized with their own spouse’s sperm. in order to qualify for coverage, the couple must have at least a 2 year history of infertility or infertility resulting from specified medical conditions.

alaska does not have laws requiring insurers to provide coverage for infertility treatments and procedures.

texas requires group insurers to offer coverage of ivf to employers, and employers can then decide if they will provide the benefits to their employees. the law also requires that the ivf patient has been unsuccessful with other covered less expensive infertility treatments, requires that the patient’s eggs are fertilized with their own spouse’s sperm, and states that the couple must have at least a 5 year history of infertility or infertility resulting from specified medical conditions.

oregon does not have laws requiring insurers to provide coverage for infertility treatments and procedures.

missouri does not have laws requiring insurers to provide coverage for infertility treatments and procedures.

tennessee does not have laws requiring insurers to provide coverage for infertility treatments and procedures.

minnesota does not have laws requiring private insurers to provide coverage for infertility treatments and procedures. minnesota requires medicaid to cover the diagnosis of infertility, but does not require coverage for most infertility treatments and does not allow medicaid to cover fertility drugs.