States that do require some benefit level for infertility treatments are called “mandated to cover” states. The list is short, and exact mandates vary from State to State.
• Arkansas
• Hawaii
• Illinois
• Maryland
• Massachusetts
• Montana
• New Jersey
• New York
• Ohio
• Rhode Island
• West Virginia
Others, called “mandated to offer” states, require infertility benefits to be offered for additional purchase.
• California
• Connecticut
• Texas
Seems pretty clear cut, right? Of course! Everything that involves Government and Insurance is uncomplicated!?! To make it even more complicated, large, national corporations oftentimes offer the same benefits company-wide, resulting in exceptions to the State’s directive. Consult your Human Resources office to find out which State’s laws govern your companies policies. For example, you may live in a state that mandates coverage, but work for a company that is not required by the federal government to meet the State’s benefit mandate, find out which State’s mandate they must follow. On the other hand, if you live in a state that does not require fertility coverage; you may still be covered through your employer. Speak with your HR department and find out exactly what rules your company follows.
In addition to these complications, many times your healthcare plan may cover some parts of your treatment even if you work in a state that does not mandate coverage. It is extremely important, therefore, that you contact your company’s Human Resources department and your healthcare plan provider to discuss in detail your benefits. Don’t delay speaking with your HR Dept. start getting educated about your options today.
