Infertility Coverage with ObamaCare
A great opportunity to get insurance coverage for infertility treatment.
IVF1'S INSURANCE EXPERTS HAVE YOU COVERED
Infertility Insurance Through ObamaCare
At IVF1, our insurance professionals are experts in infertility and IVF insurance coverage. When you become a patient, we help you find the coverage you need for treatment.
Do you lack insurance coverage for infertility treatment?
Although the state of Illinois mandates employers cover infertility testing and treatment, there are a number of employers who are exempt. This includes employers who:
- Have less than 25 employees.
- Are self-insured* (most large corporations).
- Are religiously affiliated.
- Have policies written outside the state of Illinois.
*Self insured means that the employer pays any benefits themselves, while the insurance company just helps process the paperwork.
The Affordable Care Act (ObamaCare) provides a way to for people to get insurance coverage without having to go through their employer. There are numerous policies available through the Illinois Healthcare Exchanges that have coverage for infertility, including IVF!
Hundreds of our couples who purchased policies through the Illinois Marketplace in 2014-2016 had coverage for fertility treatment, including IVF.
Click here to go to the Illinois Healthcare Exchange website.
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Schedule A ConsultationHow to make sure your Obamacare policy covers infertility and IVF
Illinois law requires most employers to provide insurance coverage for infertility and IVF. However, there are some exceptions. What can you do if your employer doesn’t provide insurance coverage for infertility or IVF? You can get insurance coverage that includes IVF through the Illinois Healthcare Marketplace! This is the central website where Illinois residents can go to buy insurance policies from common insurance companies like Blue Cross and Cigna.
Here is a quick run down on how to make sure that the insurance policy you purchase will cover infertility and IVF:
- Step 1: Create an account (or log into your existing account).
- Step 2. You will be asked to specify where you live. Select Illinois, and then start your application.
- Step 3. You will be asked to answer questions about your address, income, social security number, and who in your family you want to cover. The most important person to get covered is the person who is trying to get pregnant. If your income is low enough, you might qualify for discounts on the monthly premiums.
- Step 4. Once you have that completed, you will be presented with a list of insurance policies you can purchase. You can choose to filter plans by things like deductibles and premiums.
- Step 5. For each policy, you will see information to help you decide on the right plan for you, including deductibles and out of pocket maximums. Note: To make sure that your selected plan allows you to come to IVF1, click the “Add Your Medical Providers” link and add Randy Morris M.D. You can also make sure that your fertility medications will be covered by using the “Add Your Prescription Drugs” link.
- Step 6. Next, click the link labeled “Plan Details.”
- Step 7. Scroll to the bottom of the page to where is says “Other Services.” Click the drop down arrow on the right to open that section. Look for the line marked “Infertility Treatment.” It will tell you whether this plan covers infertility treatment and the in network and out of network costs. To make sure that IVF is covered, click the link below Infertility Treatment called “View Limits and Exclusions.” If this plan covers IVF, you should see this in the popup window. Look for this statement: “Infertility treatment (covered for four procedures per benefit period).” This means that this policy will cover all infertility diagnostic tests and treatments, including IVF. This type of policy will provide you with coverage for four IVF egg retrievals each year (including egg donor retrievals) plus as many frozen embryo transfers as you need. If you see only the words “Limitations vary based on the procedures performed”, then beware! This type of policy may have more limited infertility coverage and may NOT cover IVF. You will have to look at a copy of the full policy to see what is covered.
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