Question by Ohio: IVF and Insurance in Illinois?
I have different offers to work with big national engineering firms in Chicago, Illinois.
(1) However, I would like to know if the health insurance/plans of these companies include the IVF/ICSI coverage. How can I do that before I get hired? I think if I call the insurance company they will ask about the policy number and my ID number (which I do not have until I get hired).
(2) Big companies may have more than 3,000 employees nationally but in one office or state they may have less than 25 people. Does this disqualify them from being included in the IVF insurance mandate in Illinois?
Thanks.
Best answer:
Answer by kendra
it is now a law in illinois that employers have to carry infertility ins. and it does include ivf. i am in illinois and going through ivf right now. if you have anymore questions, feel free to ask. Illinois
This law requires insurance policies that cover more than 25 people to cover costs of the diagnosis and treatment of infertility. The law defines infertility as the inability to get pregnant after one year of unprotected sex or the inability to carry a pregnancy.
Coverage includes, but is not limited to:
* In vitro fertilization (IVF); Uterine embryo lavage; Embryo transfer;
* Artificial insemination;
* Gamete intrafallopian transfer (GIFT);
* Zygote intrafallopian transfer (ZIFT);
* Intracytoplasmic Sperm Injection (ICSI);
* Four completed egg retrievals per lifetime; and
* Low tubal egg transfer.
Coverage for IVF, GIFT and ZIFT is required only if:
* The patient has used all reasonable, less expensive and medically appropriate treatments and is still unable to get pregnant or carry a pregnancy;
* The patient has not reached the maximum number of allowed egg retrievals;
* The procedures are performed at facilities that conform to standards set by the America Society for Reproductive Medicine or the American College of Obstetricians and Gynecologists.
The law exempts religious organizations which believe the covered procedures violate their teachings and beliefs.
(Illinois Compiled Statutes Annotated, Chapter 215, Sections 5/356m and 125/5-3).
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