Health Insurance for Infertility Treatment (including IVF)
While many patients have insurance coverage, the extent of coverage
varies widely, and figuring it out can be quite challenging. Often clinics
will have a financial coordinator on staff who acts as patient advocate that
can help patients decipher the ins and outs of their insurance coverage.
It's important to know exactly what is covered before you start testing and
Some U.S. states have laws that pertain to insurance coverage related to infertility. The laws vary by state.
The Employment Retirement Income and Security Act of 1974 exempts companies that self-insure from state regulation.
Health Insurance Coverage for Infertility & IVF Treatment - from
Growing Family Benefits - explains the issues in trying to get health
insurance coverage for IVF treatment
- State Infertility
Insurance Laws - from ASRM, the American Society for Reproductive
- Insurance Carriers That May Offer Infertility Treatment Coverage to Employers in the U.S. - from INCIID - Last updated Fall 2004