The State of Connecticut passed a bill in 2005 which passed a breakthrough legislation that requires most insurance companies to cover infertility diagnosis and treatment. This change took place on October 1, 2005, and all women under the age of 40 are eligible.
With this change, Connecticut health insurance covers:
- Up to 4 cycles of ovulation induction
- A maximum of 3 intrauterine insemination (IUI) cycles
- Up to 2 in vitro fertilization (IVF) cycles with a maximum of 2 embryos transferred per cycle
This coverage is only available to individuals who have maintained coverage under their policy for at least 12 months. In addition, the law does not apply to employees in self-insured plans. Employers may also decline to cover this benefit if the diagnosis and treatment of infertility conflicts with the organization’s religious or moral beliefs.