In Montana, health maintenance organizations (HMOs) are required to cover “infertility services,” but the law does not actually define infertility and fails to describe the scope of services that would qualify for coverage. Non-HMO insurance plans (e.g., high-deductible health insurance plans, preferred provider organization plans, etc.), are excluded from the state’s mandate.
Want to improve Montana’s fertility coverage mandates? Contact RESOLVE and ask how to help lobby for coverage in your area. You never know.
Do insurance companies have to cover IVF?
Possibly, if you have an HMO plan.