Sep
03If you are thinking about starting infertility treatments and you live in Connecticut, you are in the right place. Connecticut is one of the few states that have laws in placed requiring insurance policies to cover infertility treatments. So if you have health insurance in the state of Connecticut , chances are your policy will cover your treatments. This is a huge step for the infertility industry as no insurance companies used to cover this sort of treatment, calling it “elective treatment”. Many families who live in Connecticut may not even be aware that their insurance will cover this sort of thing. This is why reading your entire policy is a good idea. It can be a long process as insurance policies are typically very long, however, it is worth doing do you will know what your options are, and what sort of things the policy covers.
The law is quite specific so it is important to also research the laws and exactly how they read. For example, the law states that most insurance, both group and individual are required to cover things like in-vitro fertilization, up to two cycles, allowing only 2 embryos for each cycle. The best thing about the laws that mandate allowing infertility to be covered under insurance policies is that there is no limit to the type of policy the mandate applies to. This means that any insurance policy will be covered under this law. This is great for people who have been trying have a baby and have not been able to. Infertility treatments are very expensive in most cases and usually, typical working class people cannot afford to have it. Now, anyone who is insured in Connecticut has the ability to have infertility treatments, and realize the possibility of having a family.
There are possible loopholes in the mandate that deserve a mention. For example, if you have insurance that has been provided to you by the company you work for, and their headquarters are not in Connecticut, but they have a branch there. Your insurance may not be covered under that mandate. The best thing to do is ask your insurance provider what their policy is on infertility treatments and what type of coverage they offer. You may also go through your insurance papers to see if anything is mentioned in them. It is suggested that you make sure your policy will cover treatments before making any kind of an appointment to see an infertility specialist or you may wind up having to pay out of pocket.
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