December 11, 2014

Will Insurance Cover IVFServing patients throughout the greater New Orleans area, the team at The Fertility Institute has achieved excellent results thanks to the latest fertility treatments. Among the most popular and effective treatments is in vitro fertilization (IVF), a successful way to address issues with male and female infertility.

Paying for IVF can prove a hurdle for many households, which is why we want to use this blog post to focus on insurance coverage and fertility treatments.

The Answer Is “Maybe, but Rarely”

The answer to the question could also be “it depends, but probably not.” Keep in mind it is very rare that an insurance plan will cover IVF and other fertility treatments.

There are plenty of factors that go into insurance coverage, including state laws, the infertility issue(s) a person faces, and the unique stipulations of an insurance policy. With that in mind, let’s cover two important factors in all this: Louisiana state law and your insurance provider.

The Pertinent Louisiana Law and What It Says

The Louisiana state law that covers fertility treatments reads as follows:

  • La. Rev. Stat. Ann. § 22:1036 prohibits the exclusion of coverage for the diagnosis and treatment of a medical condition otherwise covered by the policy, contract, or plan, solely because the condition results in infertility. The law does not require insurers to cover fertility drugs, in vitro fertilization or other assisted reproductive techniques, reversal of a tubal litigation, a vasectomy, or any other method of sterilization. (2001 La. Acts, P.A. 1045)

Note the Following Exception to the Law

As you probably noticed, while the law above prohibits the exclusion of insurance coverage for the diagnosis and treatments of medical conditions that cause infertility, insurance companies are NOT required to cover IVF or other forms of assisted reproductive procedures, even fertility drugs. This is why the answer is maybe.

Be Sure to Check Directly with Your Insurance Provider

As insurance companies and policies vary, it’s important that you check directly with your insurance provider just in case to find out if they cover IVF or other kinds of fertility treatments. Sometimes insurance providers will cover treatments for medical conditions that result in infertility rather than assisted reproduction procedure, for example.

Are there alternatives to medical insurance coverage?

Yes.

One option to consider is a flex spending account (FSA), which will reimburse IVF and other treatments for infertility. Keep in mind that the maximum contribution that an employee can make to his or her FSA is $2,500 per tax year. This amount is expected to increase slightly for 2015.

In addition to using an FSA to reimburse you for IVF, there are also monthly financing options available that function much like credit cards or traditional loans. In these cases, monthly payments are made to the lender, with a reasonable interest rate applied to the total cost of care.

Speak with the Specialists at The Fertility Institute

For more information about all of your options for starting the family you have always wanted, be sure to contact our fertility specialists and reproductive medicine experts today. At The Fertility Institute, we will work closely with you to ensure that you can make informed and confident choices.