Does Medical Insurance Pay for Artificial Insemination

Health care insurance coverage for artificial insemination and other infertility treatments varies from company to company, policy to policy, and from state to state.

Fourteen US states have provisions that require employer health benefits to offer various fertility treatments. Arkansas, California, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia all provide for some coverage of infertility treatment or allow employees to opt for such coverage, in companies that offer health benefits and that have at least 25 employees.

Most state mandates specify that in order to get insurance coverage of artificial insemination or other infertility treatment, the infertility must be associated with a medical condition such as endometriosis.

For instance, New York law says that health insurers are required to cover the diagnosis and treatment of infertility, as long as the patient is between 21 and 44-years-old.

In states where artificial insemination is not covered under state law, many insurance companies do not cover the procedure. It's common for insurers to exclude fertility treatments, including artificial insemination.

For those whose health insurance does cover artificial insemination, it is common to have out-of-pocket costs ranging from $10 to $30 per visit. After that initial co-pay, the patient's costs range from 20 to 50 percent of the total cost of the treatment.

Because artificial insemination can be a costly process, couples should know what their costs are, what their health care insurance covers, and what each treatment option costs before beginning the process.

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