Maryland has some of the most progressive fertility mandates in the country. Insurers, including HMOs, are required to cover the outpatient costs of IVF treatment, including coverage for same sex couples who use donated sperm or eggs during an IVF cycle to try and conceive.
In order to qualify for the Maryland mandate, there needs to be documented evidence that a patient and their spouse have been unable to conceive for two years. For same sex couples, there needs to be documented evidence of at least six failed artificial inseminations. Maryland insurers are allowed to limit coverage to three IVF cycles with a lifetime cap of $100,000.
Note, however, that Maryland has an exemption for religious organizations to deny fertility treatment coverage if the coverage conflicts with the organization’s religious beliefs and practices.
Want to improve Maryland’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?