Does insurance cover fertility preservation or assisted reproduction treatments?
There are many insurance policies which fully or partially cover infertility treatments; you should call your insurance company to find out about your coverage. Currently there are 13 states with laws regarding insurance coverage for infertility. However, there are no laws or insurance policies that directly address coverage for fertility preservation or cancer-related infertility. Some plans that offer coverage define infertility as the inability to conceive after one year of unprotected intercourse. A cancer patient generally will not meet that definition, since the patient is not infertile at the time of diagnosis. As a result, even if they have fertility coverage, they may be denied benefits because they do not meet the definition of “infertile.” Some patients with existing fertility coverage have petitioned their insurance company explaining their extenuating circumstances and, in some cases, benefits have been provided.
