Impact of in vitro fertilization state mandates for third party insurance coverage in the United States: a review and critical assessment

Table 1 Summary of state infertility insurance mandates in the United States

State	Mandated services		Eligibility criteria		Additional requirements		Exemptions
State	IVF	FP	Years of infertility^a	IVF age limit (years)	Requires use of spouse’s sperm	Benefits limit	Small Employers	Religious
Arkansas	X		2		X	X
California		X	1					X
Colorado	X	X	0.5–1			X		X
Connecticut	X	X	1			X		X
Delaware	X	X		Egg retrieval < 45 Transfer < 50		X	X	X
Hawaii	X		5		X	X
Illinois	X	X	1			X		X
Louisiana
Maine^b	X	X
Maryland	X	X	1			X	X	X
Massachusetts	X		0.5–1
Montana
New Hampshire	X	X
New Jersey	X	X	0.5–1	< 46		X	X	X
New York	X	X	0.5–1			X	X
Ohio
Rhode Island	X	X	1	25–42			X
Texas	Mandate to offer		5		X	X		X
Utah	Partial^c		Qualifying genetic conditions^d
West Virginia

^aIn absence of a qualifying condition, such as: (DES) exposure; blocked or surgically removed fallopian tubes that are not the result of voluntary sterilization; male factor infertility
^bEffective January 1, 2023
^cUtah’s mandate includes $4,000 toward infertility treatments as part of optional maternity benefits
^dFollowing a waiver application process, Utah’s mandate includes IVF and genetic testing for certain genetic traits associated with qualifying conditions for Medicaid and patients and the Public Employees’ Health

ISSN: 1477-7827