| If you work for a company headquartered in Illinois, | | | | Illinois and may be subject to the state mandate. |
| you may be an infertility insurance winner. Illinois is | | | | Employees working in a store located in a state with |
| one of a handful of states with laws mandating some | | | | no infertility insurance mandate may have coverage. |
| level of coverage for infertility treatments. Take time | | | | The Losers |
| to understand how the laws work, where the holes | | | | One set of losers are Illinois citizens who work for an |
| are, and how it may impact your out-of-pocket | | | | employer with a branch location in Illinois, but happens |
| costs. Your investment will pay dividends down the | | | | to be headquartered in another state. Most states |
| road. | | | | have no laws mandating infertility insurance coverage. |
| Holes in the Illinois Law | | | | This employer is not subject to the Illinois mandate, |
| Did you notice the first sentence asks if you work | | | | and its Illinois employees may not have infertility |
| for a company headquartered in Illinois, and not do | | | | coverage even though there is a state law mandating |
| you live or work in Illinois? The Illinois insurance | | | | such. |
| mandate applies when the state has jurisdiction. Only | | | | Did you notice that Sears may be subject to the |
| companies headquartered in Illinois are likely to be | | | | mandate because it is headquartered in Illinois? The |
| subject to the mandate, which creates sets of | | | | law regulates insurers and not employers. If Sears |
| winners and losers in the infertility insurance game. | | | | chooses to self insure, it may not be subject to the |
| The Winners | | | | mandate, and can offer health insurance coverage |
| One set of winners are employees of one of the | | | | that omits infertility treatments. |
| many large companies headquartered in the state, | | | | Know your Illinois laws before starting any |
| but with employees in branch locations out of state. | | | | treatments, and verify coverage before beginning |
| Take Sears for example. Sears is headquartered in | | | | treatments to avoid a nasty surprise. |