Most health insurance plans do not cover In Vitro or any other infertility treatment. Most ART procedures are considered elective. Fifteen states have insurance mandates requiring some coverage for infertility. Nine of those state mandates include IVF. All the mandates are full of exceptions and loopholes.
If your employer is headquartered in one of those states, your group health plan may be subject to the mandate. Your alternative is to purchase the best possible coverage for a hopeful pregnancy: primary health insurance, short term disability, and hospital indemnity.
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If your employer is headquartered in one of those states, your group health plan may be subject to the mandate. Your alternative is to purchase the best possible coverage for a hopeful pregnancy: primary health insurance, short term disability, and hospital indemnity.