Fifteen states have passed laws requiring that insurance policies cover some level of infertility treatment: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia. (For more on this visit the insurance coverage section of resolve.org.)
Offering a comprehensive infertility treatment benefit with appropriate utilization controls may actually reduce costs and improve outcomes by eliminating the inappropriate use of costly covered procedures and allowing specialists to use the most effective, efficient treatment for a specific type of infertility. (Infertility As A Covered Benefit, William M. Mercer, 1997).
Kirsten's two cents: Keep in mind even though your state is mandated to cover some level of infertility treatment, companies that are self insured are exempt from this law. Always check with your insurance carrier for coverage before deciding on a treatment. It can be very expensive. If your company doesn't cover infertility treatment, ask them to consider it - what do you have to lose? While being able to bear your own child shouldn't come with a price tag, you still want to be smart about spending and your future.
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