September 12, 2009
Invitrofertilization is expensive, how can we afford this?
read on an Illinois government website that in Illinois, insurances have to pay for infertility treatment as long as they have 25 or more employees? Does anyone know anything about this or where I can find more out? Before I found the website, my insurance Company, Blue Cross, said they do not cover an infertility treatment. I am confused?
This is what I found:
“Illinois law requires group insurance plans and health maintenance organizations (HMOs) to provide coverage for infertility. Here are the basic facts about the law.”
To get coverage you must:
“live in Illinois
be covered by a fully insured Illinois group policy through an employer with more than 25 full-time employees
have been unable to conceive after one year of unprotected sexual intercourse between a male and female or have been unable to sustain a successful pregnancy”
http://www.dfpr.state.il.us/DOI/HealthInsurance/infertility.asp
There are some caveats:
What is not covered:
“costs for procedures which violate the religious and moral teachings or beliefs of the insurance company or covered group”
“costs of preserving and storing sperm, eggs and embryos”
I found this website for your state … and it explores options on what to do for fertility treatment if you cannot afford it.
http://www.fcionline.com/affording-treatment/financing-treatment.html
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