In Illinois, insurers are required to cover the cost of diagnosing and treating infertility when the insurer covers more than 25 people and provides pregnancy-related benefits in its policies. The state defines infertility as being unable to get pregnant for one year of unprotected sex or being unable to carry a pregnancy to term.
Illinois requires insurers to cover an array of infertility treatments, including the following: (i) IVF, (ii) uterine embryo lavage; (iii) embryo transfer; (iv) artificial insemination; (v) gamete intrafallopian transfer; (vi) zygote intrafallopian transfer, (vii) intracytoplasmic sperm injection, and (viii) low tubal egg transfer. However, coverage is limited to four completed egg retrievals for a patient’s lifetime.
Want to improve Illinois’ 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?