In the 109th Congress (2005-2006), legislation has been introduced to require insurance coverage of infertility services. Please take a moment to familiarize yourself with the legislation and learn how you can help educate lawmakers about the need to support these measures.

The arguments over mandating Infertility insurance (from www.resolve.org) Mandating coverage for infertility treatments is a controversial issue; employers, pharmaceutical companies, the insurance industry, religious groups and infertile couples have contributed to this on-going debate. Advocates of mandated infertility coverage contend that infertility is a physical problem that could be corrected by medication or procedure; therefore, infertility couples should be given the "...same health care rights as those afforded to people who suffer from such diseases as diabetes, mental illness or cancer." ("Paying the Price for Infertility", July 1, 1999, insure.com) Supporters also believe that infertile couples pay premiums for health benefits they are unable to use, such as maternity services, therefore, infertility benefits also should be covered by their health plan. Opponents argue that the addition of this benefit increases premiums for a larger number of people compared to the number of individuals who will take advantage of the benefit and therefore, the increased costs for covering these procedures are unjust. In addition, as with other mandates, employers and insurers argue that requiring coverage for any service, treatment or procedure increases the overall cost of insurance, which results in an increase in the number of uninsured. Furthermore, because no procedure has a 100 percent success rate, opponents of coverage contend that payment for multiple infertility procedures can be futile.

More Infertility Insurance Information: State Coverage Alphabetical Company Coverage

Insurance Coverage for Infertility