| If you are undergoing infertility treatments, and work | | | | plan is subject to this mandate. There are no |
| in Connecticut you may be one of the lucky few | | | | limitations based on group size. |
| with reliable insurance coverage. Connecticut is one of | | | | Loopholes Remain |
| only a handful of states with a law mandating that | | | | As with any law you have to look closely at the |
| insurance plans cover infertility treatments. And the | | | | wording to find exceptions to the rule. In this case |
| CT law covers a higher percentage of its citizens due | | | | you will find several loopholes. First, the law only |
| to some specific language in the mandate. But with | | | | applies where Connecticut has jurisdiction. If you |
| any law there are loopholes, and you should know | | | | work for an employer headquartered in another |
| the rules before getting started to avoid any nasty | | | | state with a branch location in CT, your insurance |
| surprises down the road. | | | | plan is not subject to the mandate. |
| The Connecticut infertility health insurance law | | | | Second, the law relates to health insurance policies |
| mandates that "certain individual and group health | | | | "delivered, issued, amended, renewed or continued on |
| policies to cover medically necessary costs of | | | | or after October 1, 2005". Does your insurance plan |
| diagnosing and treating infertility". It specifically | | | | fit this description? |
| includes in-vitro fertilization (IVF) up to 2 cycles with | | | | There are other exceptions based upon age, |
| a maximum of 2 embryos per cycle. | | | | limitations on the number of cycles for specific |
| Broadest Applications | | | | treatments, and there is no specific language limiting |
| The Connecticut law is broadest in its application | | | | deductibles, co pays, co insurance etc. |
| because it applies to individual and group policies. | | | | Read your policy, call your insurer, and understand |
| Many state laws apply only to group policies, and | | | | the Connecticut law before starting your infertility |
| often to groups of fifty or more employees. This is | | | | treatments. |
| not the case in Connecticut. Virtually any healthcare | | | | |