This article is from the Infertility FAQ, by Rebecca Smith Waddell firstname.lastname@example.org with numerous contributions by others.
The best way to determine what kind of infertility insurance you have
is to check the details of your policy and/or call the company (and
get any details in writing if necessary). One often sees questions on
the infertility newsgroups about whether or not this or that insurance
company covers infertility treatment -- it isn't that easy a question
to answer because the same company in the same state can sell
different policies to employers.
If you have coverage for prescriptions, you may need to check
separately to see what is covered. When calling about drugs, use
specific names. Drugs that have multiple purposes are usually covered
(such as progesterone and estrogen). There are cases where treatment
is not covered, but medications are -- and vice versa. There are also
policies that cover testing but not treatment, and many cover
treatment at a different percentage than other services.
These are just some common sense suggestions . . . you can check the
following sites for more information: State Infertility Insurance Laws
at http://www.asrm.org/patient/insur.html; Infertility Insurance FAQ
at http://www.fertilethoughts.net/infertility/faq.html; and Insurance
Coverage for Infertility article at
http://www.inciid.org/legal.html. The latter two sites also have
bulletin boards for discussion of insurance issues.