Coverage varies widely from state to state and from policy to policy.
To help our patients, we have a program that sorts through all of the insurance information and helps couples take advantage of any and all coverage they may have available. In Connecticut, the law requires health insurers to offer coverage for infertility diagnosis and treatment, including IVF, which means that insurers must let employers know that coverage is available. The state's law, however, does not require those insurers to provide coverage, nor does it require employers to include it in their insurance plans. Because of these variables, costs for infertility diagnosis and treatment for couples in Connecticut can be minimal or substantial. The only way to determine your particular coverage is to work closely with your particular insurance carrier and examine all angles of your plan.