In Ohio, HMOs must cover “basic preventive health services” and this legal term includes treatment for infertility. However, HMOs are only obligated to cover infertility treatment if it is “medically necessary.” In addition, the Ohio Department of Insurance issued a bulletin in 2009 that declared IVF and other forms of assisted reproduction as being outside of the scope of the state’s fertility mandate.

Want to improve Ohio’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? 

No.