The law defines infertility, treatment for infertility and in vitro fertilization. The law requires every plan to communicate the availability of coverage to group contractholders.
#California cover code#
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. Services and procedures must be performed at a facility licensed or certified by the Department of Health and conform to the guidelines and minimum standards of the American College of Obstetricians and Gynecologists and the American Society for Reproductive Medicine.
§ 23-85-137 and § 23-86-118 (1987, 2011) require accident and health insurance companies to cover in vitro fertilization.
§ 23-79-510 specifies that the Arkansas Comprehensive Health Insurance Pool shall not include coverage for any expense or charge for in vitro fertilization, artificial insemination or any other artificial means used to cause pregnancy.Īrk.
State Laws Related to Infertility TreatmentsĪrk.
#California cover full#
The box allows you to conduct a full text search or type the state name. While most states with laws requiring insurance companies to offer or provide coverage for infertility treatment include coverage for in vitro fertilization, California, Louisiana, and New York have laws that specifically exclude coverage for the procedure. Minnesota specifies that medical assistance will not provide coverage for fertility drugs when specifically used to enhance fertility. Louisiana and New York prohibit the exclusion of coverage for a medical condition otherwise covered solely because the condition results in infertility. Some of these laws are unique- for example Utah requires insurers providing coverage for maternity benefits to also provide an indemnity benefit for adoption or infertility treatments. Since the 1980s, 17 states -Arkansas, California, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia-have passed laws that require insurers to either cover or offer coverage for infertility diagnosis and treatment. Of those states, 15 have laws that require insurance companies to cover infertility treatment and two states- California and Texas-have laws that require insurance companies to offer coverage for infertility treatment. Studies have shown that pregnancy resulting from ARTs are associated with a higher risk of pregnancy complications compared to spontaneously conceived pregnancies. Such procedures can be quite expensive- according to the University of Iowa Stead Family Children's Hospital each cycle of IVF costs $12,000 to $17,000 on average and there is debate about whether insurance plans should cover them. births.Īlthough advances in infertility treatment have helped thousands of couples become parents, the procedures are not without controversy. More than 72,913 babies were born in the United States in 2015 as a result of non-donor ART procedures. The Centers for Disease Control and Prevention estimate that ART accounts for slightly less than two percent of total U.S. Assisted reproductive technology (ART) are procedures in which pregnancy is attempted through the use of external means for example, eggs are fertilized outside the womb and then placed into a woman's uterus through in vitro fertilization (IVF). Common methods of infertility treatment include various insemination techniques and hormone therapy to stimulate egg production. Usually, infertility is defined as the absence of conception after at least one year of regular, unprotected intercourse. women of childbearing age have received assistance for infertility. Table: State Laws Related to Infertility TreatmentsĪpproximately 10 percent of U.S.Law, Criminal Justice and Public Safety.Communications, Financial Services and Interstate Commerce.
#California cover professional#
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