Do insurance plans cover IVF?

While most states with laws requiring insurance companies to offer or provide coverage for infertility treatment include coverage for in vitro fertilization, California, Louisiana, and New York have laws that specifically exclude coverage for the procedure.

Can you purchase infertility insurance?

Can You Buy Just Fertility Insurance? Fertility insurance is generally offered through a regular individual and family, group, or government-sponsored health plan. However, if you purchase an individual or family health plan through the health insurance marketplace, you can choose one that offers fertility services.

What insurances cover infertility?

Does Insurance Cover IVF? Explore Infertility Insurance Coverage & Plans Accepted at HFI

• Aetna.
• Blue Cross Blue Shield.
• Cigna.
• First Health.
• Great West.
• HealthSmart.
• Humana.
• Mhealth.

How much does IVF really cost?

The average cost of IVF in the U.S. is $10,000 to $15,000, according to the Society for Assisted Reproductive Technology.

What insurance covers infertility treatment?

Supplemental Disability Insurance. Supplemental short-term disability insurance covers infertility and IVF outcomes. This private policy replaces a portion of mom’s income during the time she is unable to work because of a covered pregnancy-related medical condition.

What do insurance plans cover IVF?

A mandate to cover is a law requiring that health insurance companies provide coverage of infertility and IVF treatment as a benefit included in every policy. The policy premium includes the cost of infertility and IVF treatment coverage.

Does insurance pay for IVF?

Infertility is a disease and should be treated as such by insurance companies. Currently, no federal legislation exists mandating insurance coverage for infertility and IVF treatment. Only 15 States in US have mandates to provide or offer insurance coverage for infertility and IVF treatment .