Is IF insurance coverage a regional thing?

BabyMimi · September 2010

I'm just curious. I see people often talk about their insurance not covering any IF treatments and it seems odd to me because everyone I know seeing an RE (including myself) has insurance coverage for IUI/IVF/Meds/Acupuncture. Then I got to thinking maybe this is because I am in the metro NY area??

Is that the case?? If it is that is completely unfair. Our insurance system in the US is so so so biased and really needs reforming.

Court1 · September 2010

We have none. And I don't think many people around here do...but some companies offer it.

Sucks balls.

mdm2137 · September 2010

Mine doesn't have any coverage for IF. They will cover diagnostic tests but that's it.

suntoto · September 2010

It isn't federally mandated, but some states have mandated coverage.

https://www.fertilitylifelines.com/payingfortreatment/state-mandatedinsurancelist.jsp

BabyMimi · September 2010

suntoto:
It isn't federally mandated, but some states have mandated coverage.
https://www.fertilitylifelines.com/payingfortreatment/state-mandatedinsurancelist.jsp

You are so smart. It all makes sense now since I live in NY.

But seriously, how ridiculous is it that a woman living in NY gets to have coverage because the law says so and someone living in another state doesn't. It makes me angry!

jen629 · September 2010

NJ is mandated but because DH employer is self funded they dont have to go by the rules:(

bbhalphen · September 2010

We're one of the state mandated but they still don't cover an awful lot. I think DH's employer, who we get our insurance from, covers a little bit more than they normally do, but not much.

csquared426 · September 2010

suntoto:
It isn't federally mandated, but some states have mandated coverage.
https://www.fertilitylifelines.com/payingfortreatment/state-mandatedinsurancelist.jsp

And of course there are loop holes within those states. Companies can choose to not have that coverage.

AutumnLeavesFall · September 2010

My insurance in NH is not mandatory for IF but they did cover it at 100%. I am hoping my next job will also have it as the company is based in MA but I'll be working off site in NH.

Clerk9 · September 2010

When I was at my previous job & trying to find short term disability insurance, I came across this website, which was VERY revealing:

https://hrc.nwlc.org/

(Sorry, but I can't make things clicky on my Mac.)

It grades each state based on the women's access to healthcare. Basically, we all suck:

https://hrc.nwlc.org/key-findings.aspx

Just some worse than others. :P

surfergirlkona · September 2010

California is mandated that insurance companies offer IF coverage to subscribers. However employers are not required to offer the coverage to the employees. Sort of a sh!tty loop hole IMO. Our insurance is through a school district and you'd think they'd be more liberal with their offerings to employees.

mlmtgg · September 2010

I'm in NY too - so knew about the meds/IUI coverage (up to age 44) -- but the problem is no IVF. and no meds for IVF. and nothing holistic like acupuncture. that's all up to individual plans (and not mine)

butterfly843 · September 2010

It depends on the state, which really sucks it should be federally mandated to cover. Also even if the state mandates it to be covered usually it's only basic testing and diagnostics. I know dh had a choice of a few different insurance companies to go with and we picked the one with the best if coverage out of all of them, even though our monthly premium is higher than the other policies to pick from.

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Is IF insurance coverage a regional thing?

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