Where do you work (non Fed) if insurance pays for your IVF

[Anonymous]

Yes Maryland has an IVF mandate, but if your company purchases the insurance somewhere else, they don't have to abide.

[Anonymous]

Here is information on the Maryland IVF insurance mandate. Basically, the company must be based in Maryland and must have more than 50 employees.


Maryland IVF Mandate
Effective 10/01/00, Maryland Insurance Article Section 15-810 "Benefits for In Vitro Fertilization" was amended and several changes were made the law. This Maryland law requires health and hospital insurance policies, issued within the state, that provide pregnancy benefits to also cover the cost of IVF. A summary of the main points in the mandate is shown below. To review the actual statueor regulation, go to the links section of www.mdinsurance.state.md.us

1. The patient must be a policy holder or subscriber, or a covered spouse of the policy holder or subscriber.

2. There is a limit of three IVF attempts per live birth; not to exceed a maximum lifetime benefit of $100,000.

3. The patient is unable to get pregnant through less expensive covered treatments.

Medical Criteria
The patient and his or her spouse must have at least a five year history of infertility OR Infertility must be associated with one or more of the following conditions: Endometriosis; or Fetal exposure to diethylstilbestrol, also known as DES; or Blocked or surgically removed fallopian tubes; or Abnormal male factors, including oligospermia, contributing to the infertility

Exemptions
Regulations that took effect in 1994 exempt businesses with 50 or fewer employees from having to provide the IVF coverage. [Code of Maryland Regulations (COMAR) 31.11.06.06 (B) (11).] Religious organizations offering health benefits to their employees may request that carriers exclude IVF benefits; there must be bona fide religious beliefs and practices which prohibit IVF.

[Anonymous]

Yeah I know. I've read it. I'm just curious about specific companies that cover IVF. Without getting hired and inquiring, its impossible to figure it out.

[Anonymous]

Also, large employers who self-insurer are not subject to the mandate. You may be able to ask if the company self-insurers during the interview/hiring process.

[Anonymous]

You could always work for a county in MD or the state itself. I remember reading a post from a Montgomery County School teacher who said she only paid $500 for her entire IVF cycle, which I find incredible.

[Anonymous]

If this is helpful, here's a list of companies that cover IVF in their insurance plans:
http://www.inciid.org/article.php?cat=statemandates&id=243