States Mandating Insurance Coverage for Infertility and Pregnancy Loss

• The patient must be the policyholder or the spouse of the policyholder and be covered by the policy;
• The patient's eggs must be fertilized with her spouse's sperm;
• The patient and her spouse must have at least a two-year history of unexplained infertility,
• OR the infertility must be associated with one or more of the following conditions:
  • Endometriosis;
  • Fetal exposure to diethylstilbestrol, also known as DES;
  • Blocked or surgically removed fallopian tubes that are not a result of voluntary sterilization; or
  • Abnormal male factors contributing to the infertility.