Insurance Coverage which States?

Discussion forum for those particularly interested in IVF and embryo transfer including frozen embryo transfer.
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Insurance Coverage which States?

Post by CAFirstInvitro » Tue Mar 17, 2009 7:40 am

Hi all does anyone know a list of states or jobs in certain states that cover IVF?
I'm 26 -DH 27
We just found out we have an egg quality issue
Low count, motility
4 insem
Our First IVF with ICSI

Forgive me I don't know all the lingo on here yet :)


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Location: Illinois

Post by to_have_fun08 » Tue Mar 17, 2009 11:11 am

Illinois has a state mandate to cover IVF but you have to be covered under a HMO. If you have a PPO then that is considered a self pay insurance and your company does not have to cover IVF. I work for SAIC, which is a government contracting company that has offices all around the world.

Chris 40- DH 41
6 IVFs Cycles - BFN's
DE Cycle 2/2011 -BFP Jacob born 11/11/11

FET 7/2012 - BFP - Kaylee due 4/3/13


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Location: Brooklyn, NY

Post by Rosario » Tue Mar 17, 2009 12:10 pm

Mass is another state!
IVF #1: Oct '08- BFN
IVF #2: Feb '09- BFP (Chem)
IVF #3: May '09- BFP
(Triplets lost at 21.5 weeks- Preterm Labor)
BFP: Natural Pregnancy March '10
Little Frank Manuel arrived 11.20.10
June '11 natural BFP sadly ending in miscarriage :(

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Location: Connecticut

Post by CT_Michele » Tue Mar 17, 2009 3:34 pm

Connecticut covers it, in most circumstances, some jobs found a loop hole and don't have to offer it for some reason...

here is a list that was recently updated, it tells you what states cover it and a description of the specifics.
Me- 28 DH- 33 Male Factor
1st IVF- 12/07- BFP! Ella Michele was born 8/26/8
2nd IVF- 04/09 - BFN
1st FET- 09/09 - Chemical
3rd IVF - 04/11 - Embies didn't make it to ET
4th IVF - Fall 2011??

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Location: Lancaster, PA

Post by Neffi211 » Thu Mar 19, 2009 12:22 am

New Jersey is another one...
Me 32 DH 31
DS 3rd try
8 failed cycles
No luck with adoption
DS 7/23/14 IUI after Celiac diagnosis

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Joined: Sat Aug 09, 2008 12:54 am
Location: Connecticut

Post by jennywit » Thu Mar 19, 2009 12:46 am

As the rest of the girls said, many states have to have it as an option, but many companies do not have to offer it because they are self insured or exempt or something like that. I am a nurse who works at a private healthcare facility in CT. -I paid for EVERYTHING out of pocket!!!! Jennifer

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Post by sbr » Thu Mar 19, 2009 1:20 am

I live in MN and NOTHING IS COVERED! I have one $12K baby! :lol: I'm working on my second. If my FET works, he/she/they will be a $4K baby! I am a high school teacher and my insurance is horsecrap! As far as I know, there is no state mandate saying that IVF should be covered.
Me-32 PCOS
DH-32 Low everything
TTC since 2003
IVF/ICSI#1 6/23/06 BFP, 7 frosties
DS born 2/26/07
FET #1 4/2/09, transferred 2, BFN
FET #2 6/12/09, transferred 2, BFN
FET #3 1/21/10, transferred 3, BFP!
Beta #1 103, Beta #2 179, U/S: ONE h/b
EDD: 10/11/10

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Location: Baltimore, Maryland

Post by loopie » Thu Mar 19, 2009 2:15 am

Maryland- dont know if its a state thing, but through the U of Maryland/ state employee stuff, our IVF was covered - i think we paid about $400-$600 in copays and it covered 3 trys per live birth up to 3 times- for us, it worked on the 1st go
best of luck- there are some great private insurance cos that do the trick as well

- good baby and insurance karma coming to you

Me 41 Dh 41
1st IVF BFP!!! Jan 2008


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Post by to_have_fun08 » Thu Mar 19, 2009 11:46 am

Maybe this will help.


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Post by lynniecat » Sat Mar 21, 2009 6:17 am

Its a state mandate in MD and why my DH and I were separated for almost a year. He got a job in CA and moved just as we were getting started on IVF. We learned that my MD job covered 3 cycles of IVF per live birth (up to 100K of benefit).

CA mandates that insurance companies OFFER employers the ability to choose plans that provide IVF coverage, but employers are not required to choose those types of plans. DH's new CA employer did not provide plan choices that included IVF or IUI coverage.

As someone else said MA also has a state mandate requiring IVF coverage. My friend's employer allowed 6 rounds of IVF lifetime.
Me: 44 severely reduced reserve
DH: 44 perfect
IVF 1: Feb 08 -BFP twins (lost one at 7 weeks, one at 13 weeks) :-(
IVF 2: June 08 -BFN :-(
IVF 3: September 08 -BFN :-(
IVF 4: November 08 - Katherine Emma born 8/9/2009 :D

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Joined: Tue Jan 08, 2008 12:52 am
Location: Indiana

Post by aims327 » Sun Mar 22, 2009 1:44 pm

I'm in Indiana and as far as I know there is no mandate for IVF to be covered. However, I work for the Red Cross and my insurance covers IVF up to 10K lifetime maximum. I didn't think that would get me very far but after insurance negotiates the cost, it's a lot cheaper. I've done 2 fresh and 2 frozen tries so far. Good luck!
Me 33 DH 41
1st IVF - BFN 1st & 2nd FET BFN
2nd IVF 3/09: ICSI & AH BFP!
1st Beta - 250 2nd Beta -554
Twins! Boy and Girl!

Posts: 550
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Location: rhode island, usa

Post by kbat » Wed Mar 25, 2009 9:01 pm

ME--42 DH 41

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Location: Los Angeles, CA

Post by siouxsie » Thu Mar 26, 2009 11:49 pm

There is also a chart here: ... 008100705/
(on page 40)
07 MC
08 IVF: lost twins 1 MC/1 anencephaly
1/30/09 FET: BFP!
9/21/09 She's here! born 5 weeks early, 4lb. 6 oz., 17-1/2 in.

Posts: 32
Joined: Tue Feb 03, 2009 11:02 pm
Location: ny

Post by RosiePosie » Sat Mar 28, 2009 8:28 pm

New York govermental employees Empire Plan-you need authorization-then you have 5 years to use your $50,000 lifetime benefit
IVF #1 ER 1-25-09 7eggs 3 fertilized(ICSI)
ET 1-28-09 3 embies
Beta 2-11-09 BFN

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