Understanding health insurance is always tricky. Infertility insurance is one type of health coverage offered by insurance providers. The intent of infertility insurance is to help people finance their fertility treatments. In exchange for a monthly premium, insurance providers will supply you with coverage for various infertility procedures.
To determine if your health insurance policy covers infertility treatment, obtain a copy of your insurance policy. Your most recent explanation of benefits should be available online or you can get a copy through your company’s human resources department, if it is through your employer. Look through the policy for a specific exclusion for infertility treatment. If you do not see one, then the insurance company must cover anything that they do not specifically exclude.
Depending on the state in which you live, mandated infertility insurance may be available. To see if your state is included in mandated list, contact your state’s insurance commissioner.