Insurance Rider for Infertility and IVF?

Actually, Louisiana is one of the 15 states that does require insurance companies to provide minimal coverage. Your company would be exempt if religious based, headquartered out of state that does not require coverage or under 25 employees.

Unfortunately, the word is MINIMAL - it does not require coverage of IVF, IUI or any fertility meds. It only requires testing and treatment of "correctable medical conditions". Basically if you had PCOS, endometriosis, tubes blocked due to scarring (not sterilization) then they would work with you to correct it so long as it was not an actual fertilitiy med or treatment like IVF. The goal is to make it "possible" for you to get pregnant if you have a medical condition but NOT to help you become pregnant.

Here is a link:

http://www.resolve.org/family-building-options/ins...

You should also contact Fertility Lifelines - they have a toll free #, can go through your current coverage and make recommendations:

http://www.fertilitylifelines.com/payingfortreatme...

Good luck and loads of baby dust to you!

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Supplemental Infertility Insurance

Louisiana does not mandate that health insurance companies cover fertility treatment. The law simply says insurance companies cannot exclude diagnosis and treatment of a medical condition just because the condition results in infertility. Example: You have a blockage of your fallopian tubes, the only harm that it really does is result in your not becoming pregnant. Your health insurance will have to cover the unblocking of your tubes. It can't be excluded just because the only problem you are having is infertility. As to what health insurance will cover fertility treatments, you will have to research that yourself. I can tell you what health insurance plans covers fertility treatment in my area for people who are employees of the company I work for. Policies are different in different areas and for different employers. So, I can have blue cross/blue shield and have fertility coverage in accordance with the plan of my employer while you may not have fertility coverage even though you also have blue cross/blue shield. You can try to find a insurance company to cover your treatment, but any company that offers it, the policy would probably be very expensive. If you have the option to change your health insurance plan, you can research all the plans and go with the one that offers fertility treatment. Or you can find a job with a company whose health insurance plans cover fertility treatment. I've heard that Starbucks employees health insurance plan covers fertility treatment (not sure what plan they have and really whether that is true). Other than that, any self-pay insurance plan will have protections so that people will not be able to buy the insurance and then get treated for pre-existing conditions. Best of luck!

I went to the website that Tina has Twins suggested to ensure I was not giving incorrect information and I was not. Louisiana does not mandate health insurance companies to cover fertility treatment either maximum or minimal. Meaning if your tubes are blocked and its causing infertility, the insurance company has to cover the unblocking of your tubes. If you don't get pregnant after that, you are on your own. No IUI. No IVF. I live in MD where insurance companies have to cover fertility treatment (based on different conditions being met). That is another option, to move to a state that mandates infertility coverage.

I have never seen an individual insurance plan that covers IVF and I have done a lot of research. Can you give the name of the Aetna plan, (i.e., PPO 3000 or PPO 2500)? I belong to a lot of IVF groups and try to help others who are having fertility problems). Aetna is one of the companies that I considered when I was switching my health insurance to one that provided IVF. However; that is because of the plan that my employee selected and also my state mandates fertility coverage. An individual plan that can be purchased is good news. I am just skeptical, because health insurance companies are going to protect against pre-existing conditions or fertility treatment since it is so expensive. I did remember that CVS's employees health insurance plans cover fertility treatment. I don't know if it is feasible for you to work there or not. Unfortunately, sometimes those are the best options unless you want to self-pay which is bad, because the fertility center will charge you more than the insurance company. You may also want to look into fertility insurance, but there are several drawbacks to that also.

Infertility centre for ivf treatment doctor sumita sofat in ludhiana. Best in infertility.

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Great point, but I'm not 100%

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