To say that West Virginia’s fertility mandate is vague is an understatement. The law on the books simply states that HMOs are required to cover “basic health care services.” Included in this term is treatment for infertility. However, there is no specific, statutory definition for “infertility services.”
Also, unlike many other states that feature rigid, detailed definitions about when someone is considered to be infertile and covered treatments, there is no actual definition of “infertility” on the books in West Virginia. In addition, there is no statutory reference to whether IVF treatment is covered.
Do insurance companies have to cover IVF?