Are infertility tests commonly covered by insurance?

Are infertility tests commonly covered by insurance?

Richard Paulson (Chief, Division of Reproductive Endocrinology and Infertility, USC) gives expert video advice on: How will my doctor test for female infertility?; How will my doctor test for male infertility? and more...

Insurance coverage for infertility testing and infertility treatment is extremely variable in different parts of the country. For example, in New York, Massachusetts, Illinois there is what is called “manadated coverage,” so couples have coverage both for the testing as well as for the treatment. In other states, the diagnostic testing is covered but not the treatment. In other states nothing is covered at all. You really have to check with your insurance carrier. Here in California, the majority of insurances do not anything to do with infertility. Some insurance companies do cover the diagnostic testing, but generally exclude any kind of treatment, whether it is insemination or fertility medications or even in vitro fertilization. We've been working long and hard to get this changed, so perhaps by the time you're seeing this, the circumstances surrounding this issue will have changed.