Cost is the number one barrier to medical treatment, as 46% of people have not insurance coverage for infertility, according to a 2012 RESOLVE survey. To improve access to care, we must remove financial obstacles to care

RESOLVE is committed to increasing the number of people with access to health insurance that covers infertility medical treatment, and specifically IVF.

Federal Legislation:

Access to Infertility Treatment & Care Act, S 2960 and HR 5965

  • Description of Bills: Requires federal health insurance plans to cover IVF and fertility preservation for iatrogenic infertility. This includes TRICARE, Veterans Administration, and Federal Employee Health Benefits Plans. Requires private group and individual insurance, including self-insured plans, to cover IVF and fertility preservation for iatrogenic infertility.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports these bills.
  • Current status of the Bill in the legislative process: S2960 and HR 5965 were introduced on May 24, 2018 in the U.S. Senate and the House of Representatives.
  • Links to Bills: S2960HR5965;
  • Learn more about this bill.
  • Action Needed: Send a letter today to your Senators and Representative letting them know you care about this issue.

State Legislation:

Arizona

Bill Number: SB 1149

Bill Name: health insurance; infertility coverage
Updated: January 12, 2018

  • Description of Bill:  Any subscription contract that is issued to a subscriber and that includes maternity benefits shall include coverage for the medically necessary expenses of diagnosis and treatment of infertility.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this Bill
  • Current status of the Bill in the legislative process: SB. 1149 was introduced.
  • Link to BillSB 1149;

Delaware

Bill Number: SB 139

Bill Name: An Act To Amend Title 18 of the Delaware Code Relating to Insurance coverage for Obsterical and Gynecological Services
Updated: August 13, 2018

  • Description of Bill: This Act requires that health insurance offered in this State provide coverage for fertility care services, including in vitro fertilization (“IVF”) procedures, for individuals who suffer from a disease or condition that results in the inability to procreate or to carry a pregnancy to a live birth.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this Bill
  • Current status of the Bill in the legislative process: Introduced and assigned to Senate Health, Children & Social Services Committee in Senate on 1/10/2018. The bill passed the committee on 3/14/2018. The bill passed the Senate on 3/28/2018. The bill now heads to the House Health & Development Committee. The House Health & Human Development Committee hearing will take place on 6/6/2018. The committee passed the bill. It goes to the full House of Representatives for a vote. The House of Representatives passed the bill. The Governor signed the bill into law on June 30, 2018.
  • Link to BillSB 139;
  • Read RESOLVE’s letter of support
  • Read Delaware measure calls for mandating insurers cover infertility treatment published by whyy.org
  • Read Senate bill would cover IVF, all fertility treatments for Delawareans published by delawareonline.com
  • Action Needed: Thank you for advocating on behalf of this important bill. To stay up to date on legislation impacting the family building community in Delaware, please sign up for RESOLVE Advocacy Alerts.

Hawaii

Bill Number: SB 2633

Measure Title: Relating to In Vitro Fertilization Insurance Coverage
Updated: February 6, 2018

  • Description of Bill: This bill removes discriminatory requirements for mandatory insurance coverage of in vitro fertilization procedures to create parity of coverage for same-sex couples, unmarried women, and male-female couples for whom male infertility is the relevant factor.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this Bill
  • Current status of the Bill in the legislative process: The committees on HHS recommend that the measure be passed with Amendments. The votes were as follows: 5 Ayes: Representative(s) Mizuno, Kobayashi, Belatti, Learmont, Tupola; Ayes with reservations: none; Noes: none; and Excused: none. – 02/02/2018
  • Link to Bill: SB 2633
  • Read the current HI state insurance mandate and RESOLVE’s HB 2524 letter of support.
  • Read Hawaii LGBTQ Couples Seek Equal Access to Fertility Treatment from NBC.com

Bill Number: HB 677

Measure Title: Relating to In Vitro Fertilization Insurance Coverage
Updated: January 12, 2018

  • Description of Bill: This bill amends insurance coverage requirements for in vitro fertilization to allow for expanded applicability, including removing the five-year history of infertility requirement.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this Bill
  • Current status of the Bill in the legislative process: House Committee on Health deferred the bill and recommended it be carried over to the 2018 Regular Session.
  • Link to BillHB 677
  • Read the current HI state insurance mandate and RESOLVE’s letter of support.

Bill Number: SB 515

Bill Name: Relating to In Vitro Fertilization Insurance Coverage
Updated: January 12, 2018

  • Description of Bill: This legislation ensures an insured’s dependents are eligible to receive the one-time fertilization benefits outlined in her previous legislation (HB 664, HB 677, HB 1562, and SB 502) including coverage for expenses derived from in vitro fertilization procedures. These benefits include coverage for infertility related to endometriosis, exposure to in utero to diethylstilbestrol, blocked or removed fallopian tubes, abnormal male factors contributing to infertility.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this Bill
  • Current status of the Bill in the legislative process: Senate Health and Judiciary Committees deferred the bill and recommend it be carried over to the 2018 Regular Session.
  • Link to BillSB 515;

Bill Number: HB 2524

Bill Name: Relating to In Vitro Fertilization Insurance Coverage
Added: February 14, 2018

  • Description of Bill: Establishes the In Vitro Fertilization Insurance Coverage Study Group to examine health insurance policies and current statutes and to make policy recommendations to the Legislature prior to the convening of the 2019 legislative session.
  • Does RESOLVE support or oppose this Bill: RESOLVE is reviewing this bill.
  • Current status of the Bill in the legislative process: Introduced and Pass First Reading. Referred to HHS, CPC, FIN, referral sheet 9. The committees on HHS recommend that the measure be passed, with Amendments. Reported from HHS (Stand. Com. Rep. No. 175-18) as amended in HD 1, recommending passage on Second Reading and referral to CPC. Passed Second Reading as amended in HD 1 and referred to the committee(s) on CPC. Bill scheduled to be heard by CPC on Wednesday, 02-14-18 2:00PM in House conference room 329.
  • Link to BillHB 2524;

Mississippi

Bill Number: HB 1198

Updated: March 20, 2018

  • Description of Bill: Health insurance policies; require certain to provide infertility coverage.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this bill.
  • Current status of the Bill in the legislative process: This bill has been introduced and sent to the Insurance Committee. This bill passed the House on 2/8/18. Referred to the Senate Insurance and Appropriations Committee on 02/16/2018, where it died in committee.
  • Link to Bill:  HB 1198; 
  • Action Needed: Sign up for Action Alerts.

Missouri

Bill Number: HB 1951

Added: January 12, 2018

  • Description of Bill: Expands insurance coverage for certain infertility treatments.
  • Does RESOLVE support or oppose this Bill: RESOLVE is reviewing this bill.
  • Current status of the Bill in the legislative process: This bill has been introduced to the House of Representatives on 1/8/18 and has been read a second time.
  • Link to Bill:  HB 1951; 

Nebraska

Bill Number: LB 726

Added: February 6, 2018

  • Description of Bill: Require insurance coverage for in vitro fertilization procedures
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this bill.
  • Current status of the Bill in the legislative process: Introduced and referred to Banking, Commerce and Insurance Committee on 1/8/2018. Hearing was held on 2/5/18.
  • Link to Bill:  LB 726; 

New York

Bill Numbers: S 3148A /A 2646A

Bill Name: The Fair Access to Fertility Treatment Act (FAFTA)
Updated: June 28, 2018

Bill Number: S 8441 B

Bill Name: The Fair Access to Fertility Treatment Act (FAFTA)
Updated: June 28, 2018

  • Description of Bill: This bill expands the current infertility insurance law in New York state to include insurance coverage of in vitro fertilization, fertility preservation for cancer patients, and adds non-discrimination language to ensure that all eligible individuals can receive coverage.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this bill.
  • Current status of the Bill in the legislative process: The bill was introduced in the Senate on 5/7/18 and referred to the Insurance Committee. The bill was amended on 6/17/18 and passed in the Senate on 6/20/18 and delivered to the Assembly. The Senate bill did not align with the Assembly bill (A 2646A) that passed, and legislature adjourned on 6/20/18 without passing FAFTA.
  • Link to Bill: S 8441B
  • Read Bill addresses in-vitro fertilization coverage problem published by Times Union
  • Read IVF Coverage Bill Pushed In Final Session Days  published by Spectrum News
  • Action Needed: Please thank your lawmakers and remind them to keep FAFTA a priority for 2019 — send this letter today to your State Assemblymember and State Senator.

Oklahoma

Bill Number: SB 1468

Updated: February 6, 2018

  • Description of Bill: This bill requires certain health benefit plans to cover in vitro fertilization in certain circumstances.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this bill and strongly recommends amendments to change the waiting period and other restrictions.
  • Current status of the Bill in the legislative process: The bill was introduced. The first reading will be 2/5/18 .Second Reading referred to Retirement and Insurance Committee then to Appropriations Committee on 2/6/2018
  • Link to BillSB 1468;

Pennsylvania

Bill Number: SB 148

Bill Name: Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in health and accident insurance, providing for coverage for infertility treatment.
Updated: January 12, 2018

  • Description of Bill: This bill adds infertility treatment to the Insurance Company Law of 1921. The coverage may exclude coverage of procedures reversing elective sterilization, impose restrictions on waiting periods, exclude coverage of women beyond childbearing years, restrict coverage for assisted reproductive techniques to policyholder or spouse, impose a restriction of three assisted reproductive technology procedures that a policyholder or spouse may attempt, and require a copayment and deductible.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this Bill
  • Current status of the Bill in the legislative process: Sen. Lisa Boscola (DEM-PA) introduced this bill on January 20, 2017. On the same day it was referred to the Committee on Banking and Insurance.
  • Link to BillSB 148;

South Carolina

Bill Number: S 10

Updated: January 12, 2018

Utah

Bill Number: SB 181

Bill Name: Infertility Insurance Coverage Amendments
Added: February 22, 2018

  • Description of Bill: This bill requires an insurer to offer the option of using the adoption indemnity benefit for infertility treatment.
  • Does RESOLVE support or oppose this Bill: RESOLVE is reviewing this bill.
  • Current status of the Bill in the legislative process: LFA/ bill sent to agencies for fiscal input on 02/13/2018
  • Link to BillSB 181;

Vermont

Bill Number: H 610

Bill Name: An act relating to insurance coverage for infertility treatment
Updated: February 6, 2018

  • Description of Bill: This bill proposes to require health insurance plans to provide coverage for infertility treatment.
  • Does RESOLVE support or oppose this Bill: RESOLVE supports this bill.
  • Current status of the Bill in the legislative process: Introduced by Representative Toll of Danville (By Request) and referred to the House Committee on Health Care.
  • Link to BillH 610