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Some states have laws requiring insurance companies to offer IVF coverage as part of their plans, though the level of coverage can vary widely.
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Even if your state mandates IVF coverage, your employer may choose not to include it in your group plan if they are self-insured.
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If your plan does offer IVF coverage, there may be limits on the number of cycles covered, maximum dollar amount, or specific diagnostic requirements you must meet to qualify.
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Always review your health insurance policy carefully to understand what fertility treatments are covered and what out-of-pocket costs you may face.
Although the state of Illinois mandates employers cover infertility testing and treatment, there are a number of employers who are exempt. This includes employers who:
*Self insured means that the employer pays any benefits themselves, while the insurance company just helps process the paperwork.
The Affordable Care Act (ObamaCare) provides a way to for people to get insurance coverage without having to go through their employer. There are numerous policies available through the Illinois Healthcare Exchanges that have coverage for infertility, including IVF!
Hundreds of our couples who purchased policies through the Illinois Marketplace in 2014-2016 had coverage for fertility treatment, including IVF.
Click here to go to the Healthcare Exchange.
Can i get supplemental insurance for in vitro fertilization?
Yes, in some cases, you can get supplemental insurance specifically for in vitro fertilization (IVF), usually through an "IVF rider" added to your existing health insurance plan, but this depends on your state laws and whether your employer chooses to offer such coverage as part of your group plan; not all insurance companies provide this option, and it's important to check with your provider to see what your specific coverage includes.
Key points to remember about IVF supplemental insurance:
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