Here is a link for the states that have mandated feritliy coverage of some level.
I think you just need to check around & she what is offered in your state. It seems that each company can offer different coverage. I work for the post office & have GHI which covers 3 IVF's & unlimited IUI.
My husband has Cigna insurance & we have a 30,000 cap on it for Any infertility treatments. I noticed pol79princess said that she has no coverage from cigna so I guess it just depends.
if you can find one... please let me know! : ) I do know alot of clinics offer a guarentee program.... so many tries for so much $.... that might be an option?
I had Blue Cross through my husband's company, and now Aetna (also my husband's). They both have IVF coverage of up to $50,000/lifetime. My company offers plans through Cigna and there is NO IVF coverage there. I was in the same spot before trying to get individual coverage for IVF, and the few companies that I called said that they did NOT offer fertility coverage in their individual plans. I know Blue Cross was one of them.
there are numerous ins that cover IVF. I work for an INS company, and some of the plans cover and some dont. Some depends on health history, while others just have really crazy high deductable. So when actually looking for INS companies, I would say also check to see if other methods would be covered just in case that IVF fails.