Is In Vitro Covered by ObamaCare?
In Vitro Fertilization is a procedure many Americans need to be able to have children, however most are unaware if it is covered by ObamaCare. While maternity care must be covered by essential health benefits required by the Affordable Care Act, most states do not cover In Vitro Fertilization (IVF).
UPDATED: August 1, 2016
Is In Vitro Covered by Essential Health Benefits?
In Vitro is not covered by the fed’s essential health benefits; however a rare few states may require that non-religious employers offer coverage for IVF, and even fewer states require that individual plans offer IVF.
Does My State Cover IVF?
Most likely not! While approximately 11% of women between the ages of 15-45 are afflicted with fertility issues according to the Centers for Disease Control and Prevention, it is unlikely that your state will require IVF coverage is available. If it is offered in your state it is usually offered by your employer, not by individual plans.
With that said, not all employees will cover IVF, even if you live in a state that does require it. Here are two of the exemptions: employers who have over 1000 employees are considered self-insured, and can choose to opt out of IVF coverage, as well as, religious employers.
Does IVF Kick in Immediately in States that Require It?
Depends on the state. Some states, like Texas require that a couple has tried for five years to get pregnant with no success, while other states have more lenient policies. It is important that you understand how your health benefits are covered before enrolling.