Independent infertility insurance in California?

Question

hi does anyone know of any insurance companies in California that cover or pay any part of infertility treatment? even if its just a little it helps! thank you

Answer 1

It is not about just the insurance company (BC/BS vs Aetna etc . . . the coverage is different from state to state) - it 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...

The previous poster is INCORRECT - the state of California does require that group insurers "offer" fertility coverage (with the exception of IVF).  Unfortunately, your employer is NOT required to add this part of the policy to your benefits . . . I would check with your employer / human resources department and that of your partner to see if it is available or can be made available as an add on.

Resolve is also a great organization to become involved in if you seriously feel strongly about insurance covering fertility treatments as well as support and assistance when seeking treatments.

If you are personally dealing with this, I also recommend that you contact Fertility Life lines - they have a free hotline (1-866-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/

Good luck!

Answer 2

THERE IS A LAW NOW THAT SOME STATES ARE MANDATED TO COVER INFERTILITY ISSUES BUT UNFORTUNATLY CALI IS NOT ONE OF THEM!! BUT I HAVE AETNA AND IS IT BASED OUT OF CALI AND IT COVERS 80% OF MY INFERTILITY ISSUES!! THERE IS ALSO BLUE CROSS BUT IT IS VERY EXPENSIVE!! THE NUMBER FOR AETNA IS 18003474325 OR YOU COULD CALL 18886323862!! BLUE CROSS MIGHT COVER AS MUCH AS 90% BUT THIER MONTHLY CHARGE IS ALMOST 500$ A MONTH!! WITH AETNA I ONLY PAY 126$ A MONTH THROUGH MY JOB AND THEY COVER 80%!! EVERY DOC APPT I ONY PAY 10$ AND ANY MED IS ONLY 5$!! ALL SERGERIES ARE COVERED AS WELL AS DIAGNOSIS AND TREATMENT!! I AM CURRENTLY GOING THROUGH ALOT OF TESTS AND SO FAR I ONLY PAID 10$!!! I HOPE THIS HELPS AND I WISH U LOTS OF LUCK AND BABY DUST*********