Understanding your health insurance even for the most scholarly — can be a daunting and complicated task. The language used in many insurance policies can be very difficult to understand, confusing and vague. Infertility insurance is one type of health coverage offered by insurance providers. The intent of infertility insurance is to help people finance their fertility treatments. In exchange for a monthly premium, insurance providers will supply you with coverage for various infertility procedures.
Depending on the state in which you live, mandated infertility insurance may be available. To see if your state is included in mandated list, contact your state’s insurance commissioner.
Texas state law requires certain insurers that cover pregnancy services to offer coverage for in vitro fertilization (IVF insurance benefits). That means insurers must let employers know this coverage is available. However, the law does not require those insurers to provide the coverage; nor does it force employers to include it in their health plans. The law does not require organizations that are affiliated with religious groups to cover treatment that conflicts with the organization’s religious and ethical beliefs. (Texas Insurance Code, Article 3.51-6).
If you have any questions, one of our financial coordinators can be reached Monday through Friday, 7:30 a.m. – 4:30 p.m. at (713) 465-1211.