Do most insurance companies cover fertility testing? If so, how much?

Question

I am covered under Aetna Insurance Group and I was wondering if anyone knew if they cover anything aiming towards fertility testing. Along the same lines, do they cover in vitro or any of the like?

Answer 1

It is not about just the insurance company - it also depends on the state that you live in, where your employer is located etc . . . Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage: .

http://www.resolve.org/site/PageServer?p...

Be warned even if your state required it - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, and you must meet their qualifications for infertility.

I also recommend that you contact Fertility Life lines - they have a free hotline (1-800-LETS TRY) that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me:

http://www.fertilitylifelines.com/

Here is a great link for you regarding paying for treatments:

http://www.nobabyonboard.com/options.htm...

Good luck & loads of baby dust!!