MD IVF insurance mandate - dumb it down for me

[Anonymous]

Would someone please kindly explain to me what this mandate means, how it actually helps, and who it actually helps? If I have an HMO that covers IUI but not IVF and I have diagnosed infertility for two years - can this mandate benefit me and how? If not, who does it benefit?

[Anonymous]

Bumping this since I also want to know. My understanding is now you have to have been trying for 1 year for hetero couples, or try 3 IUIs for same sex couples (preciously was 6) and then your insurance must cover IVF. It only works if your insurance is based in MD. And unfortunately federal employees aren’t covered.

Hope that helps but I’d be happy to hear from a more knowledgeable person too.

[Anonymous]

I can’t really explain the mandate itself but it benefited me. I’m a university if maryland employee and all my fertility treatments were covered through my insurance.

[Anonymous]

Maryland residents who have Maryland-based insurance. I guess residents of other states who have a Maryland employer with a Maryland-based plan would qualify, too. Company size might come into play, too. Minimum coverage is outlined in public documents. I believe it says diagnosed infertility will receive fertility treatments, typically beginning with the least invasive to the most. Depending on how long you have been trying to conceive and what the issues are (e.g., sperm motility, not ovulating, no fallopian tubes, etc.) the recommendation might be to go directly to IVF.

[Anonymous]

Anonymous wrote:Maryland residents who have Maryland-based insurance. I guess residents of other states who have a Maryland employer with a Maryland-based plan would qualify, too. Company size might come into play, too. Minimum coverage is outlined in public documents. I believe it says diagnosed infertility will receive fertility treatments, typically beginning with the least invasive to the most. Depending on how long you have been trying to conceive and what the issues are (e.g., sperm motility, not ovulating, no fallopian tubes, etc.) the recommendation might be to go directly to IVF.

I’m a DC resident with Maryland insurance and I qualify.