Intra-cytoplasmic sperm injection (“ICSI”). 2001, 2017, 2019 All individual and group insurance policies that provide maternity benefits must cover in vitro fertilization (IVF). Prohibits the exclusion of coverage for the diagnosis and treatment of a correctable medical condition, solely because the condition results in infertility. Ask your human resources manager if you can buy a policy rider that includes IVF. Insurers are only required to offer the following services to employers who decide if they will provide the following benefits to their employees: diagnosis, diagnostic testing, medication, surgery, and Gamete Intrafallopian Transfer (GIFT). Standard fertility preservation services means procedures and services that are consistent with medical practices or professional guidelines published by ASRM or ASCO for a person who has a medical condition or is expected to undergo medication therapy, surgery, radiation, chemotherapy, or other medical treatment that is recognized by medical professionals to cause a risk of impairment to fertility. Nonmedical costs of egg or sperm donor are not covered. Storage offered for a longer period of time, as approved by the health carrier, shall be an optional benefit. Fertility preservation when a person is expected to undergo surgery, radiation, chemotherapy, or other medical treatment that is recognized by medical professionals to cause a risk of impairment of fertility. Coverage does not apply to plans available through the Small Business Health Options Program (SHOP) or to Extended Transition to Affordable Care Act-Compliant Policies. Clinical guidelines shall be maintained in written form and shall be available to any enrollee upon request. We’ve had the privilege of helping growing families of all types, so we know that planning for and undergoing fertility treatment can … 176A, Section 8K, ch.176B, Section 4J, ch 176G, Section 4, and 211 CMR 37.00, 1987 MD Health General Code Ann. Infertility resulting from voluntary sterilization procedures are excluded from coverage. Prior to changing insurance providers, check their benefits. Charges associated with embryo cryopreservation, thawing or storage don’t get covered under the standard plan either, unless stated in the member’s benefit booklet. All individual, group and blanket health insurance policies that provide for medical or hospital expenses shall include coverage for fertility care services, including IVF and standard fertility preservation services for individuals who must undergo medically necessary treatment that may cause iatrogenic infertility. Group insurers and HMOs that provide pregnancy related coverage must provide infertility treatment including, but not limited to: diagnosis of infertility; IVF; uterine embryo lavage; embryo transfer; artificial insemination; GIFT; ZIFT; low tubal ovum transfer. Standard fertility preservation services means procedures consistent with established medical practices and professional guidelines published by the American Society for Reproductive Medicine or the American Society of Clinical Oncology. Living in a state with an infertility mandate will help the case. Health & Safety Code § 1374.55 and Cal. 175, Section 47H, ch. Infertility testing and diagnosis are generally covered, while fertility treatments such as IVF and egg freezing are not reimbursed by insurance. Insurance Code § 10119.6 require specified group health care service plan contracts and health insurance policies to offer coverage for the treatment of infertility, except in vitro fertilization. https://cignaforhcp.cigna.com/public/content/pdf/coveragePolicies/medical/mm_0089_coveragepositioncriteria_infertility_diagnostic_and_treatment_services.pdf, Aetna Inc.