Luckily for you....you live in a state that mandates coverage for infertility.
Massachusetts became the first state in the country to pass a law that legally defined infertility as a medical condition and mandated that health insurance companies provide coverage for infertility treatment. Today it is one of only 15 states that mandates coverage for infertility issues.
This state's law requires health maintenance organizations and insurance companies that cover pregnancy-related benefits to cover medically necessary expenses of infertility diagnosis and treatment. The law defines infertility as "the condition of a presumably healthy individual who is unable to conceive or produce conception during a one-year period."
Benefits covered include:
* Artificial insemination;
* In vitro fertilization;
* Gamete Intrafallopian Transfer;
* Sperm, egg and/or inseminated egg retrieval, to the extent that those costs are not covered by the donor's insurer;
* Intracytoplasmic Sperm Injection (ICSI) for the treatment of male infertility; and
* Zygote Intrafallopian Transfer (ZIFT).
Insurers may, but are not required, to cover experimental procedures, surrogacy, reversal of voluntary sterilization or cryopreservation of eggs. (Annotated Laws of Massachusetts, Chapters 175,§ 47H; 176A,§8K;176B,§4J; and l76G,§4, 211 CMR 37.00).