It is important to thoroughly understand your particular plan, paying specific attention to covered benefits, exclusions and restrictions. Most people are covered by group insurance policies which are designed to keep the cost of premiums lower by spreading the risk among all the members in the group. Some people do not have access to a group plan and thus purchase individual insurance policies for themselves and their families. However, it is often difficult and very expensive to purchase individual insurance policies. It is best to obtain coverage as part of a group.
Insurance is either public or private.
These distinctions become particularly important when determining whether or not a state insurance law applies to your insurance plan. Each law is different , but most can be generally described as either a mandate to cover or a mandate to offer . Mandates insurance carriers to cover comprehensive diagnosis and treatment of infertility, including assisted reproductive technology procedures, but limits first time attempts to 4 complete oocyte retrievals, and to 2 complete oocyte retrievals for a second birth. Mandates insurance carriers to cover IVF after a two-year wait following diagnosis, with no wait required for certain diagnoses. Religious organizations can choose not to provide coverage based on their religious views.