15 States That Mandate Infertility Insurance Coverage

Not every state mandates that insurance carriersIllinois
provide infertility insurance coverage to policyholders.Louisiana
In fact, only 15 states require this, and the types ofMaryland
infertility coverage each state mandates variesMassachusetts
widely. For states that don't mandate this coverage,Montana
it's important to remember that your insuranceNew Jersey
company must still provide this coverage to youNew York
unless it's specifically excluded in your policy (so beOhio
sure to go through your policy thoroughly to makeRhode Island
sure you're not missing out on benefits to which youTexas
are entitled). Even if infertility treatments AREWest Virginia
specifically excluded, there are still alternatives toOf course, each of these states has its own
getting your treatments paid for, such as appealingparticular definition of what constitutes infertility, as
the exclusion or asking your employer to use anwell as exactly how much coverage is required. In
insurance carrier that provides infertility coverage.order to obtain the coverage you want, you'll need
However, if you live in one of the states where it'sto make yourself very familiar with your policy, so
mandated, you're in luck, because things will be muchyou know exactly how to play your insurance
easier for you in trying to obtain fertility treatments.company's game. Even though it will still take some
In these states, as long as your employer has moreself-education to use the benefits to which you're
than 50 employees, infertility insurance coverageentitled, though, you're still way ahead of infertile
MUST be provided. Here are the 15 states thatcouples in the other 35 states that don't require this
require this coverage:coverage. Once you've learned the details of your
Arkansasinfertility insurance coverage, you can begin to put
Californiathose benefits to use and finally have the family
Connecticutyou've longed for all these years.
Hawaii