Navigating Infertility Treatment Insurance Across US States: Policies, Myths, and Advocacy

Insurance Coverage Map by State

Updated as of June 17th, 2024

Insurance Coverage:

Navigating Infertility Treatment with State-Specific Policies

Health Insurance Basics

Kitchen Table Conversations: Decoding Fertility Medication Benefits

Fertility Insurance Myths and Facts Unveiled

Advocacy: RESOLVE Impacted by California's IVF Insurance Law, Urging for Broader Access

State Legislation:

Understanding Colorado's Fertility Law

Delving into New York's Insurance Reform

States Covered:

Explore our interactive map below to see which states have enacted legislation requiring insurance coverage for fertility treatments. Click on the hyperlinked state names at the bottom of this page for detled information about their laws and what they offer. For those residing or working in a jurisdiction with an infertility policy, we provide guidance on inquiries you should pose to your employer regarding coverage.

Questions to Ask Your Employer:

If you're based in one of these states that have enacted insurance laws surrounding fertility treatment, it's crucial to clarify certn detls from your employer:

Is the Policy Fully-Insured or Self-Insured?

Understanding this distinction is critical because fully-insured plans are bound by state insurance regulations whereas self-insured employers may not adhere to such mandates.

Does Your Plan Fall Under a Greater Than Category?

Check if you work for an entity with less than a specific number of employees, as some laws exempt employers with fewer workers from providing coverage. Also, verify the policy's coverage scope in relation to whether it targets individual, small or large group insurance markets.

Is the Insurance Policy Written and Resides in Your State?

In most cases, the policy must be officially established and governed by your state's guidelines for it to comply with the law.

For a deeper dive into employer-provided health insurance, refer HEREinsert-link-here.

State-Specific Summaries of Fertility Insurance Legislation:

• Arkansas

• California

• Colorado

• Connecticut

• Delaware

• Hawi

• Illinois

• Kentucky

• Louisiana

• Mne

• Maryland

• Massachusetts

• Montana

• New Hampshire

• New Jersey

• New York

• Ohio

• Oklahoma

• Rhode Island

• Texas

• Utah

• Washington D.C.

• West Virginia

We hope this guide offers you clarity and empowers your advocacy efforts for accessible fertility treatment. Should you wish to support or push for new insurance reforms in your state, please contact our Advocacy Team at [email protected]:[email protected]. If you're ming to directly communicate with your employer about coverage options, reach out to us at [email protected]:[email protected].

Let's work together towards ensuring every individual has access to essential fertility care.
This article is reproduced from: https://resolve.org/learn/financial-resources-for-family-building/insurance-coverage/insurance-coverage-by-state/

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