Question about mandated coverage

FutureMsReeder

Who can I write to about my hatred for not having mandated IF coverage in all the states? Im really sick of the fact that because I dont live in a state with mandated coverage that I have to come out of pocket 16k for IVF. Thanks ladies!

FutureMsReeder

Thanks, I wasn't sure.

LakeGenevaBride

I live in Illinois, a state that is supposed to have mandated coverage. HOWEVER, there are many loopholes to this mandate.  I work full time (at a hospital of all places) and they do NOT offer infertility coverage (with the exception of some diagnostic tests).  I found out that any company that is "self insured" does not have to offer IF coverage in IL.  I think around 50% or more of companies are "self insured".  Here is a link for what that means:

https://www.allbusiness.com/insurance/self-insurance/11752368-1.html 

I wrote a letter to the administrators at my work providing good information on why IF coverage is important and can actually decrease healthcare costs.  I did not even receive a reply back from them.  

I'm sorry that you have to go through this.  But please know that just because you live or work in a mandated coverage state does not mean automatic IF coverage unfortunately.  (Not to discourage you from trying to get the laws changed though).    When I found out that IVF was our only option for getting PG I was thrilled that we happened to live in IL, only to find out that my company found the loophole to get out of it.  

FutureMsReeder

Wow LakeGeneva, that really sucks too. I would not hav thougth those loopholes would exist. Im sorry you are having to deal with this as well.

chickaboo1974

I too live in Illinois and my DH's company is self insured, however they do have some coverage for IF- $20,000 lifetime for procedures and $7000 for meds.   I am hoping that I don't have to use all of the coverage.  We are just starting our journey and I am overwhelmed with everything.

 But to answer your question, I would say try your representative and senators.

ginger67

No, we dont have IF coverage and will problably go broke doing this - but if we ever need a "penile implant" or need Viagra - I believe thats covered.

krissyh21

If you go to resolve.org there is a list of state reps and sample letters that you can use when sending them a letter on this subject.

I am also in a mandated state that fell in the cracks of the self insured loophole. It sucks! 

GenRN45

I also work in a mandated state - but have no coverage d/t the self insured loophole.

I think it's disgusting... DH could get viagra, but we can't get pregnant.