A Great Opportunity to get Insurance Coverage for Infertility Treatment
OPEN ENROLLMENT FOR 2017 IS CLOSED
At IVF1, our insurance professionals are experts in infertility and IVF insurance coverage. Become a patient now and we will help you find the coverage you need for treatment. Need more reasons? Review our amazing IVF pregnancy rates here.
Do you lack insurance coverage for infertility treatment?
Although Illinois mandates employers to cover infertility testing and treatment, there are a number of employers who are exempt. This includes employers who:
- Have less than 25 employees
- Are self-insured* (most large corporations)
- Religiously affiliated
- Policy is written outside the state of Illinois
*Self insured means that the employer pays any benefits themselves. The insurance company just helps process the paperwork.
Do you not have any alternatives to get insurance coverage for infertility treatment?
In the past, if this was the situation with your employer, the only alternative you had was to beg, change jobs or try to sue your employer for coverage under the Americans With Disabilities Act (ADA).
With the Affordable Care Act (ObamaCare), however, people finally have a way to get insurance coverage WITHOUT having to go through your employer. There are numerous policies available through the Illinois Healthcare Exchanges that have coverage for infertility including IVF!
We can now verify that we have hundreds of couples who purchased policies through the Illinois Marketplace in 2014-2016 who had coverage for fertility treatment including IVF.
We suggest that you look at the following plans. See our comments. Before purchasing insurance, we recommend you get a copy of the actual policy from the insurer (not just the summary of benefits or brochure).
Blue Cross and Blue Shield of Illinois
Comments: These seem to be a pretty safe bet to have infertility treatment coverage which includes IVF. In the benefit summary, it states under Covered Benefits:
“Infertility treatment (Benefits for treatments that include oocyte retrievals are limited to four completed oocyte retrievals per benefit period.)”
Coventry Health Care
Comments: These policies have infertility treatment coverage. However, there was no specific wording which talked about IVF in the summary. Review the actual policy before purchasing if you need IVF coverage.
Assurant Health / Aetna Signature Administrators(SM)
Comments: These policies have infertility treatment coverage. However, there was no specific wording which talked about IVF in the summary. Review the actual policy before purchasing if you need IVF coverage