Delaware legislatures have proposed a new bill that covers a multitude of fertility treatments such as:
- Intrauterine insemination
- Assisted hatching
- Cryopreservation and thawing of eggs, sperm and embryos
- Cryopreservation of ovarian and testicular tissue
- Embryo biopsy
- Consultation and diagnostic testing
- Fresh and frozen embryo transfers
- Six completed egg retrievals per lifetime with an unlimited number of embryo transfers
- In vitro fertilization
- Intracytoplasmic sperm injection
- Ovulation induction
- Storage of oocytes, embryos and tissue
- Medical and lab services
It is no secret that fertility treatments can really break the bank. This bill goes to vote this week and it requires insurers to cover the treatments listed above for women with infertility problems. The National Infertility Association estimates that 19,538 women in Delaware struggle with infertility. Infertility is equally as tragic to the couple as it is to their savings. Women have had to make tremendous sacrifices so that they could utilize modern day technologies to bear children. It's not a surprise to see couples putting off buying houses or moving back in with in-laws to make up for the financial stress and cost of living. If this bill passes, Delaware will be the 16th state to cover fertility treatments to this extent. Unfortunately, the bill hasn't set specifications or limits on treatment, ultimately leaving it up to insurance's discretion.
How do you qualify for coverage?
First, you need an official diagnosis of infertility. Your OBGYN needs to verify that you cannot bear children on your own. It also requires the Delawarean to try, with "reasonable effort," less costly treatments, though there are some exceptions. The bill states that before IVF services are covered, the insurance company can require no more than three treatment cycles of ovulation induction. It also states that, if IVF is deemed medically necessary, no cycles of ovulation induction or intrauterine inseminations will be required. The vote is set for this week, and this could be a true lifesaver for those struggling with infertility.