Do insurance plans normally cover assisted reproductive technology treatments?

Do insurance plans normally cover assisted reproductive technology treatments?

Richard Paulson (Chief, Division of Reproductive Endocrinology and Infertility, USC) gives expert video advice on: How often do assisted reproductive technology treatments produce multiple children?; Are assisted reproductive technology treatments expensive? and more...

It is an unfortunate fact that in the United States the majority of insurance plans do not cover infertility treatment. That is, of course, not the case everywhere, and it really depends on what state you live in. For example, a New York, Massachusetts, an Illinois, and Arkansas have mandated coverage, and that means that everyone that works and has health insurance in those states has infertility coverage. Most states of the union, however, do not have mandated coverage and as a consequence, infertility is not covered by most insurance plans. Of course, it depends on the individual. That is not universally true. We do have patients here in California that come in with insurance. But the majority of patients, I think need to expect that this is something they are going to have to pay for out of pocket.