The International Council on Infertility Information Dissemination, Inc

The Pregnancy Discrimination Act: What you need to know

Facts About Pregnancy Discrimination
The Pregnancy Discrimination Act is an amendment to Title VII of the Civil Rights Act of 1964. Discrimination on the basis of pregnancy, childbirth or related medical conditions constitutes unlawful sex discrimination under Title VII. Women affected by pregnancy or related conditions must be treated in the same manner as other applicants or employees with similar abilities or limitations.

 

Hiring
An employer cannot refuse to hire a woman because of her pregnancy-related condition as long as she is able to perform the major functions of her job. An employer cannot refuse to hire her because of its prejudices against pregnant workers or the prejudices of co-workers, clients or customers.

 

Pregnancy and Maternity Leave
An employer may not single out pregnancy-related conditions for special procedures to determine an employee's ability to work. However, an employer may use any procedure used to screen other employees' ability to work. For example, if an employer requires its employees to submit a doctor's statement concerning their inability to work before granting leave or paying sick benefits, the employer may require employees affected by pregnancy-related conditions to submit such statements.

 

If an employee is temporarily unable to perform her job due to pregnancy, the employer must treat her the same as any other temporarily disabled employee; for example, by providing modified tasks, alternative assignments, disability leave or leave without pay.

 

Pregnant employees must be permitted to work as long as they are able to perform their jobs. If an employee has been absent from work as a result of a pregnancy related condition and recovers, her employer may not require her to remain on leave until the baby's birth. An employer may not have a rule which prohibits an employee from returning to work for a predetermined length of time after childbirth.

 

Employers must hold open a job for a pregnancy related absence the same length of time jobs are held open for employees on sick or disability leave.

 

Health Insurance
Any health insurance provided by an employer must cover expenses for pregnancy related conditions on the same basis as costs for other medical conditions. Health insurance for expenses arising from abortion is not required, except where the life of the mother is endangered.

 

Pregnancy related expenses should be reimbursed exactly as those incurred for other medical conditions, whether payment is on a fixed basis or a percentage of reasonable and customary charge basis.

The amounts payable by the insurance provider can be limited only to the same extent as costs for other conditions. No additional, increased or larger deductible can be imposed.

Employers must provide the same level of health benefits for spouses of male employees as they do for spouses of female employees.

 

Fringe Benefits
Pregnancy-related benefits cannot be limited to married employees. In an all-female workforce or job classification, benefits must be provided for pregnancy-related conditions if benefits are provided for other medical conditions.

 

If an employer provides any benefits to workers on leave, the employer must provide the same benefits for those on leave for pregnancy-related conditions.

Employees with pregnancy-related disabilities must be treated the same as other temporarily disabled employees for accrual and crediting of seniority, vacation calculation, pay increases and temporary disability benefits.

 

 

See also: How To File A Charge of Employment Discrimination

 

Companies which may offer Infertility Benefits

List of Infertility and Adoption friendly Employers

This list is updated whenever anyone emails us about coverage.
If you have information about a company please send us an email and we will add it to the list.
A ~ B ~ C ~ D ~ E ~  F ~ G ~ H ~ I ~ J ~ K ~ L ~ M ~ N ~ O ~ P ~
  Q ~ R ~ S ~ T ~ U ~ V ~ W ~ X ~ Y ~ Z

If your company covers infertility and/or adoption expenses, please email us!
Please remember, this list is through word of mouth and you must 
CHECK the information as coverages OFTEN change.

Alphabetical List of Companies Offering Fertility Benefit Coverage

 

A

Abbott (Illinois)
All IF tx including IVF; prior approval required! Humana PPO and Aetna PPO covers Abbott & Tapp Pharmaceuticals employees for IF coverage anywhere in the U.S. Coverage is for up to 4 attempts (or only 2 add'l if live birth on #1). Adoption assistance of $2,500/child/year.
Source: Email submission 8/6/00

 

Accenture
All IF tx including IVF (BlueCross Blue Shield); infertility coverage is $35,000 lifetime maximum and covers diagnostic and any infertility treatments including IVF. Copay is $10. [Update] According to an email received 1-04-06, as of 1/01/06 the max lifetime benefit for Accenture's blue cross blue shield infertility treatment is $20,000. The Co-pay is still $10. (Email 1-4-06)

 

Ace Hardware (Illinois)
All IF tx including IVF (Cigna HMO Illinois); 4 attempts. All tx and drugs are covered with $10 copay.
Source: Email submission 4/12/01

 

Adecco in NY. Provides a max of $10,000 lifetime for infertility, including IVF, with United Healthcare. The $10K can be stretched over several cycles because they dont pay the RE's what the RE's charge. UHC has contracted rates with the doctors, which is much less than what you will pay out of pocket. They also offer up to $5,000 for meds, and have $2500 of adoption assistance (per child, up to 2 children). Please note you must be classified as a "colleague" with Adecco. If you are classified as an "associate" the coverage is different (I'm not sure if infertility is covered). (email 12-21-05)

 

Adobe in Seattle. They cover diagnosis and IVF after 6 trials (and failures) with IUI. (email - 2-14-04)

 

AEGON (Florida)
All IF tx including IVF (BlueCross Blue Shield); lifetime max is $15,000.
Source: Email submission 8/29/02

 

Aetna (Pennsylvania)
All IF tx not including IVF (Aetna); all diagnostic/testing covered. 6 IUIs per lifetime covered. Injectibles not covered. IVF/GIFT/ZIFT not covered. $5000 adoption assistance.
Source: Email submission 8/10/02

 

AgCo/AgChem (Minnesota)
All IF tx including IVF (BlueCross Blue Shield of Georgia); Will cover all types of infertility, $5000 limit per year, $10,000 maximum.
Source: Email submission 1/9/03

 

Agency Mortgage Corporation.  It covers all testing and unlimited IUI, no IVF or FET.  $20.00 copay each visit. Must have four month history of ttc.  Insurance is Aetna POS.  Meds covered but must be pre-certified-no copay. (Email: 11-17-04)

 

AIG (American International Group) - Illinois
All IF tx including IVF (United Healthcare PPO), Lifetime Max of $5000.00 includes meds. Illinois is a mandate state, however AIG is self-insured so they do not have to obey mandates. Considering that one cycle of IVF can cost $15,000.00+; $5000.00 limit is not nearly enough coverage!! $7500 reimbursement for adoption per child, maximum of 2 adoptions per employee. (Source 1-17-06 email)

 

Airborne Express
All IF tx including IVF; $10K lifetime coverage
Source: IVFConnections Financing IVF post 6/4/00

 

Albany International - Invitro limited to 6 attempts, reversal of sterilization 10-28-04

 

Albertsons. According to this consumer who wrote us, Albertson's has had IVF coverage for years. They just sold and now the LLC part under the BCBS of Idaho PPO plan continues to offer IVF coverage. 20k lifetime max. 5k lifetime max on drugs. Genetic testing with pre-auth. I believe they cover 20k for adoption too. GREAT COVERAGE. Need to work 6 months for coverage and then have 6 month pre-existing clause unless you fall under HIPPA rules and are exempt. (Email 7-26-07)

 

Allied Waste Management formerly BFI)
All IF tx not including IVF (Cigna); Insurance through Cigna HMO covers only labs, no meds and no procedures. They won't even cover the labs if you are getting insemination.
Source: Email submission 1/23/02

 

Alltel Corporation (Texas)
All IF tx including IVF; United Healthcare (Alltel Corporate EPO); covers 3 cycles of ART including meds
Source: Email submission 12/27/01

 

American Airlines (Missouri)
No IF tx beyond first diagnosis (United Healthcare PPO). Were told that they would cover only the cost of the initial doctor's visit IF infertility was diagnosed. Were also told that ART was not covered.
Source: Email submission 4/3/02

 

American Bureau of Shipping, International based in Houston TX
"A reduction in fertility benefits from the current three attempts, no maximum, to three attempts or $10,000 lifetime maximum (including drugs). ABS has also decided to offer adoption reimbursement to employees of up to $2,500 per child, maximum of three reimbursements per family." Effective 1-1-04 Email 12-9-04

 

American Express
90% coverage with 15,000.00 lifetime maximum for IF benefits including IVF (United Healthcare PPO)
Source: Email submission 11/18/00

 

America Online (New Mexico)
All IF tx including IVF (United Health); they cover 3 rounds IUI or IVF. Also provide adoption coverage.
Source: Email submission 5/30/02

 

AMS Inc. (Virginia)
All IF tx including IVF (Cigna HMO) and adoption coverage; unlimited IF coverage with small co-pays after approval.
Source: Email submission 8/14/00

 

AMS (California) --- update 6-21-04 no longer offers infertility coverage for those of us in California, anyway. They were sold to CGI, and infertility treatment is now excluded.

 

Anthem/Wellpoint (Denver, Colorado --- same coverage options in California and Nevada). 
PPO and the HMO plans up to $5000 (life-time maximum) for infertility treatments including IVF--coverage is at 50% after the in-network discounted rates.  Meds are covered under a separate $5000 annual maximum and are covered at 50% as well.These plans are for Anthem/Wellpoint EMPLOYEES ONLY, not for people with individual policies or group policies through their employers.  They would be restricted to what their group or individual policy states in reference to infertility. (Email: 5-11-05)

 

Applied Industrial Technologies (Ohio)
All IF tx including IVF (Aetna); up to $50,000 IF coverage, including IVF, GIFT, ZIFT/option to pay a little bit more a month to have zero out of pocket, otherwise it is 80/20 on most procedures
Source: Email submission 3/23/02

 

Arch Chemicals, Inc. (Global Company with locations in TN, CT, GA, LA, UK, and many others)Offers 90 % coverage for all fertility treatments including diagnostic and Meds, up to $25,000. (email 3-2004)

 

Arch Wireless (Texas)
All If tx including IVF (Blue Cross Blue Shield of Massachusetts); up to $35,000 including IVF. Great insurance based on Mass. laws but available in Texas.
Source: Email submission 4/18/01

 

Arkansas, State of (government employees)
All IF tx including IVF through BC/BS PPO
Source: FertileThoughts Insurance post 6/12/00

 

Armstrong World Industries PPO plan covers infertility treatments up to a maximum of $10,000.  This includes IVF, GIFT, IUI, etc. (Email 2-14-07)

 

Arnold & Porter (Washington, DC)
All IF tx including IVF; believe it is capped at $30,000.
Source: Email submission 11/2/02

 

Arrow Electronics in NY. They do not cover IVF but do cover up to 6 IUIs (Aetna), including injectible medications, due to the NYS mandate. (email 12-22-05)

 

AstraZeneca Pharmaceuticals (Delaware)
Astra Zeneca changed their infertility benefits effective 1/1/11. They are now as follows: $15,000.00 lifetime benefit  Employees who utilized benefits prior to 1/1/11 are “grandfathered” to retain the old benefit of $40,000.00but must use those benefits by 12/31/11. Effective 1/1/12, ALL employees are limited to a $15,000.00 lifetime maximum. (Email sent 07-15-11)

 

Atlantic Health System (New Jersey)
All IF tx including IVF (Coresource); Covers everything. After co-pay, Meds and all treatments covered 100%. Some Adoption costs reimbursed.
Source: Email submission 7/11/02

 

Automatic Data Processing-ADP and have my insurance through Aetna (for other details follow the link) PPO-Open Choice PPO.  They do cover IF, with a $5000 calendar year max, if you go to an in-network clinic then the rates are significantly lower (1/4 to 1/3 cash prices).  They cover IVF, IUIs, TESE etc., ICSI when necessary, and all necessary meds (with copays).

 

Avon Products, Inc. (headquartered in NY; DE, CA, GA, IL, and OH offices also covered)
All IF tx including IVF (Aetna/US Healthcare)
Source: Email submission 10/23/00

 

B

Baker & McKenzie (Texas)
All IF tx including IVF (Cigna Ppo); Baker & McKenzie is the largest law firm in the world. They offer Cigna PPO and it covers all IF treatments and drugs, including up to 4 IVF treatments. They've been fabulous and I have them to thank for my 2 beautiful IF children!
Source: Email submission 7/31/02

 

Ball Aerospace
Source: INCIID Pgw/Mult post 5/18/00

 

Bank of American covers up to 2 IVF (From email and posted 9-16-04)

 

Bank of New Hampshire (Maine)
All IF tx (HMO blue of new england managed by bc/bs of maine); they have full coverage for art, need referral from pcp to see re and you need to get prior approval from the infertility case manager @ bc/bs of me the re's office will help do this for you. They do not cover cryopreservation of embryos or sperm.
Source: Email submission 12/5/00

 

The Bank of New York (NY)
All IF tx including IVF (Oxford, United Healthcare, Aetna).
Source: Email submission 7/27/02

 

Bank One (Illinois)
All IF tx through an HMO plan (HMO Illinois?); must work 20 hours, covers 4 IVF
Source: Email submission 7/15/00

 

Bear Stearns (Texas)
All IF tx including IVF (Cigna PPO). $10,000 Infertility Max Life. $5,000 Adoption.
Source: Email submission 3/6/01

 

Bearing Point (Georgia)
All IF tx not inlcuding IVF (Cigna Network Plan); artificial insemination is covered, and according to the Cinga rep, medications are included!
Source: Email submission 10/17/02

 

Bemis (Illinois)
Covers IF testing and treatment; medications are covered for IF; Lupron IS NOT covered for IF (John Deere/Heritage National).
Source: Email submission 6/30/00

 

Berkshire Medical Center (Massachusetts)
All IF tx including IVF
Source: Email submission 3/1/02

 

Biogen Idec offers infertility coverage up to 20K (lifetime maximum benefit). This is after an itial $10 co-pay and is offered through Bluecross PPA.
(Email 9-8-07)

 

Blockbuster Video's (Colorado)
All IF tx including IVF (United Healthcare). Covers IVF, but not GIFT or ZIFT. 90% in network, 70% out. Covers IVF but not Gift or Zift. 90% in network, 70% out. I believe this is true for the entire BB chain. Even though they offer insurance to part-timers, you must work full time or your benefits are limited to $1000 for out patient services.
Source: Email submission 3/13/02 and 4/4/02

 

Blockbuster Video (Georgia)
No IF tx coverage (United Healthcare). Source: Email submission 7/9/02

 

Blue Cross Blue Shield (Georgia)
IF tx excluding IVF (Blue Cross Blue Shield). Source: Email submission 5/4/03

 

BMC Software (Texas)
No IF coverage (BC/BS of Texas); No Coverage for any reproductive assisted no iui,no sa, no ivf. $2500-5000 adoption assistance.
Source: Email submission 6/6/02

 

Borders Group Inc. (Michigan)
IF coverage not including IVF (Aetna); adoption expenses up to $3,000.
Source: Email submission 3/5/03

 

BpAmoco Oil Company (Missouri, but may include Illinois & other locations)
Prescriptions through Caremark Systems, IF drugs covered at $25 a px. All diagnostics are covered and meds are covered thru Caremark. IUI, IVF, ZIFT, and GIFT are NOT covered. They pay $3,000 for each Adoption.
Source: Email submission 3/1/02

 

Bright house Networks (Florida) offers insurance coverage for up to 3 cycles of IVF as well as coverage for Injectibles . Offered through United Heath care. There are 2 plans to chose from.Copay ranges from 15$ to 20$ on all Injectibles . They also offer adoption assistance.

 

Budget Group (Budget Rent A Car) (Florida)
This policy (Blue Cross Blue Shield (Blues Care HMO)) in Florida, said they will cover ART. They will pay for diag, testing and surgery to correct. But no IVF, GIFT, ZIFT. After 3 calls it is unclear as to it they will pay for any meds, even Clomid. This may be due to what policy the employer elected.
Source: Email submission 11/14/00

 

Budget RAC (Budget Rent A Car) (Illinois)
All IF tx including IVF (Definity Health); $10K lifetime max, includes IVF
Source: Email submission 10/17/02

 

C

CVS Pharmacy covers iui/ivf upto 10k lifetime max and 10klifetime max on fert meds. Source: Email submission 8-26-08

 

Cahners (New York)
All IF tx including IVF (Aetna and United Healthcare); $10,000 lifetime limit. Source: Email submission 4/3/01

 

California Supply North Inc
Covers diagnosis and treatment 100% (up to IVF, GIFT, and ZIFT) will cover up to 6 cycles of IUI's and Injectibles (Pru care HMO)
Source: Email submission 9/29/00

Capgemini Consulting: The US headquarters for Capgemini is based in IL. This company follows the IL Infertility Coverage Mandate.  The employee does not have to live in IL to receive the coverage.  This recipient in an email told INCIID she lives in PA and has been able to utilize the coverage completing 3 IVF cycles, PGD and PGS testing due to an inherited genetic issue (screening embryos).  For the IVF cycles only payment for embryo cryopreservation and co-pays for the fertility drugs (around  $100 - $200) for per cycle.   PGD and PGS might also be covered but must pay out of pocket first before submitting a claim for reimbursement.  (email submission to INCIID on 11/29/16)

Capital One
Effective January 1, 2004, changes to the infertility benefit include a new coinsurance limit of 50 percent on all network and non-network related infertility services. In addition, the lifetime maximun will be reduced to $10,000. The overall Capital One pharmacy benefit also will be changing for 2004, and infertility related prescriptions will be covered at 50 percent co-insurance with no maximun out of pocket expense." This is a big reduction, however, Capital One is adding additional benefits, including adoption assistance to it's package. (email submission 11-2003)

 

Cardinal Glennon Children's Hospital (Missouri)
IF tx excluding IVF (Exclusive Choice); : covers fertility drugs for iui and ivf up to $5000 reimbursement for adoption fees.
Source: Email submission 3/5/03

 

Careerbuilder.com (Illinois)
All IF tx including IVF (Alliance PPO); they even cover donor egg which is rare, treatment up to 25K, Operations in Atlanta and Illinois but have sales reps throughout country
Source: Email submission 9/11/02

 

Carlson Companies, corp. HQ in Minnesota (does not necessarily apply to other locations (i.e., Virginia))
All IF tx including IVF (50% co-pay on meds); $10K lifetime coverage
Source: INCIID IVF WR post 5/18/00

 

Casual Corner
All IF tx including IVF: 3 IVF's paid up to $10,000 each. IUI's paid for up to 4 times a month for one 6 month period in a lifetime. Coverage provided for employees that work 20 or more hours a week.
Source: Email submission 3/23/02  
Update: (email received June 11, 2005) You have a 90 day period before your insurance is effective then you have to wait one year! Effective 1/05

 

Cendant Corporation
All IF tx including IVF (one attempt)
Source: INCIID IVF WR post 5/18/00

 

Chase Bank
All IF treatments are covered, including IVF (various for medical; Merck Medco for Rx); $25,000 lifetime benefit for IF (not including meds); $5,000 lifetime benefit for IF-specific meds; Adoption benefit of $10,000
Source: Email submission 3/8/03

 

Children's Hospital of Philadelphia (Pennsylvania)
All IF treatments are covered, including IVF; through the HMO (Aetna) in NJ all Infertility procedures, ART and meds are covered under the new NJ mandate - Employees do not need to live in NJ only have a primary care physician in NJ. HMO -PA covers 6 IUI's and other
Source: Email submission 9/10/02 
(Email received 5-31-05) New Jersey Employees do receive coverage through the HMO up to and including IVF under NJ law.  However PA employees receive limited coverage Cigna's (Ohio) current infertility benefits are everything (IVF, IUI, injectibles, etc) is covered up to a $20,000 lifetime max on all three types of policies they offer (HMO, POS, PPO). Everything requires prior authorization, and to use the benefits, you must have a treatment plan in place with a case manager. This is at the Columbus, OH office on Polaris Pkwy. 7-4-04

 

Cingular Wireless (Oklahoma and Mississippi, perhaps nationwide?)
All IF treatments covered including IVF up to $10,000/year (United Health Care insurance). Covers IVF, GIFT and ZIFT up to $10,000 max for medical and $10,000 max for meds. Meds are covered by CareMark. PPO, On Network $10 co-pay, off network 80/20 after deductible. ($5,000 adoption benefit)
Source: Email submissions 4/10/03, 2/28/03 and 1/19/03.

 

Circuit City Stores, Inc.
All IF tx but not IVF (Empire Blue Cross/Blue Shield PPO). Covers drugs, office visits and monitoring b/w & u/s for ART procedures.
Source: Email submission 2/15/01

 

Cisco systems (headquartered in San Jose, CA) provides infertility benefits to its employees. They have 2 plans Cigna PPO $10k lifetime, includes diagnosis and treatment including IVF. Prescription drugs for IVF do not count towards the 10k max!!
United Healthcare PPO $10k lifetime, includes diagnosis and treatment including IVF. Prescription drugs for IVF do not count towards the 10k max!!
With an RE who is in-network, you can also get 2 full cycles in 1 year and then switch to the other insurance plan next year. (email 10-2003)

 

Citibank/Citicorp (South Dakota)
All IF tx including IVF (United Healthcare only -- changed for 2002) subject to these limitations: Limited to three artifical insemination procedures and three in-vitro fertilization procedures in a lifetime. Requires documented two-year history of infertility or a medical condition that either through surgery or other procedure would not reverse the infertility regardless of the two-year history. Network: $8000/yr. limit (changed in 2002) -- 100% after $50 copayment per visit.
Source: Email submission 12/27/01

Citimortgage, a division of Citigroup. We are covered for infertility treatment, including artificial insemination, IVF, GIFT and ZIFT : 90% for in-network and 70% for out-of-network. The lifetime max is $24,000.00. The provider was United Healthcare PPO and will be, effective 01/01/05, Empire BCBS PPO. Medco Health provides prescription coverage up to $7,000.00. (Email 12-23-04)

City of Cleveland Ohio - The City of Cleveland (Ohio) offers insurance which covers the medication for infertility, not procedures like IVF. You mail order the drugs with a $25 co-pay. (email 12-6-04)

City of Danville, Kentucky
All IF tx (Anthem Blue Cross and Blue Shield of Kentucky); covers fertility treatments and drugs at 50%, but does not recover retrieval and transfer for IVF. They've actually been covering bloodwork at 100% and ultrasounds at 80%.
Source: Email submission 4/26/01

 

City of East Point (Georgia)
100% infertility treatment is covered. IVF or artificial insemination is not covered. (Cigna)
Source: Email submission 3/2/02

 

City of New York (New York)
All IF medications (PICA Program); As of August 1 2002 the City of New York Office of Labor Relation and Municipal Labor Committee has implemented the PICA Program; this program will cover all employees and non-Medicare retirees enrolled ina health plan offered by the City's Health Benefits program. The PICA Program will cover all injectables (not used in Dr's office only ones you give yourself). This means all infertility meds used for IVF, phone number for info is 800-467-2006.
Source: Email submission 9/12/02

 

City of Tampa Police Department (Florida)
BCBS of Florida Health Options covers Dx for IF only, does not cover IVF,IUI,GIFT,ZIFT.
Source: Email submission 5/9/02

 

Clark Bardes (Minnesota)
All IF tx including IVF through Blue Cross/Blue Shield of Illinois. 80% of all infertility procedures, 100% lab and ultrasound procedures, Co-Pay ($20) on medications, $25,000 (4 attempts) lifetime maximum. Lab, ultrasound and medicines do not count towards lifetime maximum.
Source: Email submission 2/23/02

 

Cleary Gottlieb Steen & Hamilton covers infertility treatments for a diagnosed infertility or 12 months of trying without achieving pregnancy.  Has a 15K limit on infertility benefits plus a 6K limit on drugs. Source: Email submission 8-26-08

 

Colgate (New York)
All IF tx through United Healthcare (POS). 3 IVF attempts lifetime maximum, no age limit but must not be menopausal. In network co-pay only, out of network 80%, meds, copay $10.
Source: Email submission 12/7/00

 

Comcast Cable (Pennsylvania)
All IF tx through Indepedence Blue Cross. Covers all IF testing and treatment through plan providers. I go out of network (no provider in my aea) and I pay about $350 out of $500 in IUI's. $15,000 max. PCS Prescription Plan allows $95 for Clomid and $28 for Progesterone suppositories (personal experience) So, %90? Comcast also offers Aetna USHC. I can't remember what IF they cover.
Source: Email submission 10/13/00

 

Computer Horizons (New Jersey)
Will cover diagnostic IF as well as b/w & u/s for IVF (but not the actual IVF procedures) through Aetna; also covers adoption expenses
Source: Email submission 6/29/00

 

Community Medical Center - Payable 50% up to LTM of $3000 Invitro Fertilization Covered 10-28-04

Computershare, Canton, MA offers IVF 3 times per lifetime. (Email 11-21-06)

 

Con Edison (New York)
All IF tx, may include IVF (United Healthcare); $25k lifetime coverage for IF treatment
Source: Email submission 3/15/02

 

Continental Airlines (New Jersey)
All IF tx which MAY include IVF (Oxford Health Care); each work location varies in infertility coverage. IVF and other ART procedures not covered unless you live in a mandated state. $4K for each adoption up to 2 adoptions with assistance to travel to bring baby home. Note that there is NO COVERAGE for IF including IVF in Texas.
Source: Email submissions 3/4/03 and 3/20/02 and 5/22/02

 

Convergys Corporation (Florida)
All IF tx including IVF (United Health Care); will cover up to $7500 lifetime maximum in infertility benefits including IVF, ZIFT, GIFT and medications.
Source: Email submission 4/25/02

 

Culpeper Regional Hospital (Virginia) (Optimum Choice). Infertility diagnosis and treatment is covered at 50% with up to 6 cycles of IUI. Everything must be pre-authorized. (Email: 4-24-05)

 

D

Davis Electric: My husband works for Davis Electric.  They are out of Kansas and Canyon (tx).  They have BC/BS and it covers infertility.They will not cover the actual IUI or IVF or any insemination procedure.  But they will cover the meds, the u/s, bloodwork and sperm wash for IUI.  And they will cover all the meds and u/s and blood work for IVF.  They just wont cover the ER or ET.  They also cover everything that has to do with endometriosis.  (to every possible extent you can go with endo) (email 9-13-05)

 

Deloitte & Touche -- Coverage is available through the United Healthcare PPO plan (starting 1/1/2004).Infertility treatment (includes IVF) -- lifetime max of $25,000. Office visit is a $40 copay then the plan pays 100% (up to lifetime max). Non-office visit -- the plan pays 90% (up to lifetime max). Please note that coverage through United Healthcare includes coverage for both donor egg and sperm. (updated via email on 12-2-04) Prescription/pharmacy costs go towards the lifetime max.(email 11-23-03)

 

Dick's Sporting Goods (Ohio)
All IF tx including IVF (Blue Cross/Blue Shield); there is a $25K lifetime maximum. There is a 80/20 payment. You have to work there two months, 30 hours per week, in order to be eligible for this Blue/Cross coverage. (They offer Starbridge Ins. right off the bat, but this one does NOT cover IF/IVF).
Source: Email submission 10/11/02

 

Digitas Inc, . This is an advertising agency based in Boston. It also has offices throughout the country (www.digitas.com). They use BCBS of Mass. this consumer has a history of 2 IUI's and 3 IVF's=neg, then a fourth producing a live birth. According to the email, they covered 3 IVF's, almost 100%, except for some monitoring fees. The number of attempts (again according to the person emailing this to us) were determined on a case-by-case basis. The meds were a co-pay. (Email 3-2004)

 

Dillards
IF tx through BC/BS PPO Arkansas; $15K lifetime coverage (80/20 coverage)
Source: INCIID LII post 6/8/00

 

Diosynth (Akzo Nobel) (North Carolina)
All IF tx including IVF (MedCost Preferred); all infertility meds are covered with regular co-pays ($9-$15); IVF is covered up to $10,000 (normally 2 cycles).
Source: Email submission 8/13/02

 

Disney
Some IF tx -- NOTE: Effective 1/1/03, Disney's insurance benefits for infertility are drastically changing next year. They will cover some infertility (at 50% with a $10,000 maximum lifetime benefit), but if you have had treatment prior to the change it all counts toward the maximum.
Source: FertileThoughts Insurance board post 12/14/02

 

Dolch Computer Systems (California)
IF tx through Kaiser Permanente
Source: Email submission 2/22/02

 

Donaldson, Lufkin & Jenrette
IF tx through Oxford
Source: INCIID IVF WR post 5/18/00

 

Dun and Bradstreet
All IF tx through United Healthcare POS option B. Up to 15K at 80% coverage. Does not pay for ivf/icsi drugs. Does pay 5k on adoption process. This is nationwide, not sure about international though.
Source: Email submission 12/9/00

 

DuPont
All IF tx including IVF; $25K lifetime coverage has changed. DuPont now separates the $25k lifetime maximum into separate $15,000 for treatment of infertility and $10,000 for drug coverage (both are still lifetime maximums).
Source: email on 2-2-07

 

Dynegy (Texas)
All IF tx including IVF (UnitedHealth); 7,500 per calendar year $15.00 co-pay.
Source: Email submission 8/26/02

 

E

Electronic Data Systems (EDS) (Oklahoma)
All IF tx inclduing IVF (Cigna PPA Plus); covers 80% of all procedures up to $7,500 lifetime max (after $250 deductible). IF Drugs are covered at 80% - to be included in $7,500 max figure
Source: Email submission 6/12/01  

 

Electronic Data Systems (EDS) (Texas)
IF tx (not sure about IVF); EDS Health Benefits
Source: Email submission 9/21/00

 

EMC Corporation (Michigan)
Comprehensive IF coverage (Cigna PPO). IUI coverage as well as 2 IVF attempts. Infertilitiy $10,000.00 MAX Life. Meds covered thru NPA. Adoption benefits $5000. Source: Email submission 3/6/01

EMC Corporation (Massachusetts). Coverage appears to be company-wide. (Source an email from an employee in NC.

 

ERM
All IF tx including IVF; $5K lifetime coverage
Source: INCIID PgFoyer post 5/19/00

 

F

Fairfax County Public Schools, Fairfax County, Virginia
All IF tx including IVF (for tubal, endo, or 5-yr history)
Source: INCIID LII post 4/19/00

 

First Data (Florida)
All IF tx including IVF (CIGNA); not sure of adoption details, just know they do have benefits. They have locations in Colorado, Maryland, New York and Internationally
Source: Email submission (2/14/03)

 

FleetBoston Financial
All IF tx including IVF
Source: IVFConnections Financing IVF post 5/21/00

 

Ford Motor Company : My IVF is being covered by Ford Motor Company. They cover 3 attempts.This is thru Humana KPPA (email 11-16-05

 

FreddieMac (Virginia)
All IF tx including IVF thorugh Aetna PPO. All IVF TX covered ($10,000 lifetime max). Unlimited meds. covered w/$10 or $20 co-pays. Adoption expenses paid up to cost of avg. birth delivery in DC area.

 

Frito Lay/Pepsi Co/Pepsi Bottling Group/Pepsi North America/ Quaker Food - LTM $25,000, covered: IVF, GIFT, ZIFT, IVC, Artifical Insemination, drugs, and dx testing 10-28-04
Source: Email submission 2/23/02

 

Frontier Utilities (was Citizens Utilities) had a 25,000 dollar rider for IVF. I have heard they are changing their Blue Cross/Blue Shield plan in January and I don't know if it will continue to provide the IVF coverage. (Email submission 11-13-03)

 

G

Gap, Inc Point of Service insurance. $10,000 lifetime. limit includes any direct attempts to get pregnant (IUIs and/or IVF) Diagnostic procedures do not fall under the limit. Drugs for the procedures are covered under a seperate drug plan. Source email from Corporate Recruiting on 8-9-04.

 

Glaxosmithkline may have unlimited infertility coverage, but this needs to be confirmed by someone else
Source: Email submission 8-26-08

 

Genentech (California)
All IF tx including IVF subject to $10,000 limit (Aetna)
Source: Email submission 10/24/00

 

General Electric - covers infertility testing and surgery. Does not cover IUI, IVF, fertility drugs. Will reimburse up to $4,000 in adoption expenses. (Email 11-8-04)

 

Genetics & IVF Institute (Virginia)
All IF tx including IVF (Accordia National/Alliance); Coverage for IVF/ICSI/IUI and frozen transfer cycles are covered @ 90%. Medication also covered under prescription drug plan.
Source: Email submission 10/25/02

 

*Georgia State Plans through Kaiser: as of 1/1/06, all State plans through Kaiser dropped coverage of all treatment forms for infertility.  Really hit me hard since we have had coverage for all treatments up to IVF for past 6 years and then it got dropped without notice this year.  Might be good to update your list - this is an absolute fact I know since it hit me in the pocketbook!  Thanks for your website though - it's been a wonderful source of info. (email 2-17-06)

 

Glaxo Wellcome Pharmaceuticals (North Carolina)
All IF tx including 2 IVF cycles; adoption coverage
Source: Email submission 9/18/00

 

H

Harris Corporation (Florida)
All IF tx not including IVF (United Healthcare); Covers 80% of all diaonosis, bloodwork/tests, and treatment except IVF. Covers clomid and injectibles.
Source: Email submission 1/18/02

 

Harris County employees under the Aetna POS II plan covers all diagnostic testing, covers monitoring of ovulation induction and actual IUI, with $30 co-pay for each visit. Does not cover medications. Email 2011

 

Healthcare of America (Florida)
All IF tx not including IVF (Humana HMO). Covers first $2000 for infertility and 50% thereafter. Does not cover IVF or meds for IVF.
Source: Email submission 3/3/02

 

Healthsouth Rehabilitation Hospital in Kingsport, Tennessee - $5,000 lifetime through Blue Cross Blue Shield of Alabama. This includes meds. Source: Email 7-13-04

 

Herman Miller, Inc. (Michigan)
All IF tx including IVF (BCBS PPO); IVF max $4000.00 lifetime benefit; Adoption expenses $5000.00 per child.
Source: Email submission 4/12/01

 

Hewitt Associates, LLC (Illinois)
All IF tx including IVF (Aetna HMO); 6 IUIs per lifetime and 3 ART per lifetime, does not cover ANY injectable drugs. $10,000 adoption allowance.http://www.hewitt.com 
Source: Email submission 2/23/02 

 

Hitachi Consulting has fertility benefits: a $10,000 lifetime maximum. If you use a doctor who has an Aetna contract though, only the actual procedure falls under the $10k.  Important, or you go overthe $10k with just one try. They have many offices across the country, look on the website for locations. (email 5-11-07)

 

The HoneyBaked Ham Company of Georgia (Georgia)
All IF tx not including IVF (Guardian); $6000 Lifetime max on infertility treatment and meds but does not cover IVF. HBH of GA operates in 15 States including GA, TN, NC, SC, FL, LA, AK, MS, CO, UT, NV, MO/IL, NE, AL. Due to negotiated rates the $6000 can cover significant attempts at IUI.
Source: Email submission 10/7/02

 

Howmet Casting Inc.
All IF tx including IVF (4 cycles including meds)
Source: IVFConnections Financing IVF post 3/31/00

 

Humana, Inc.
All IF tx including IVF (Humana Healthplans) Covers 50% up to $5,000 per plan year of infertility treatments. Includes adoption assistance: has money assistance with legal fees up to $5,000.
Source: Email submission 4/5/02

 

Huntsville Hospital (Alabama) covers 90% IVF meds in-house, covers 80% IVF meds out of house. Does not Cover IVF or US and uses Blue cross/ Blue shield of Alabama (email 2-22-06)

 

I

IBM
Source: INCIID IVF WR post 5/18/00

 

IMC Chemicals - Artificial Insemination & InVitro to LTM $20,000 10-28-04

Illinois, State of (government employees)
All IF tx including IVF (four attempts)
Source: INCIID IVF WR post 5/18/00

 

Independence Blue Cross (located in Philadelphia, PA)
All IF tx including IVF (100% coverage for 3 cycles); In addition all meds are covered with a $15.00 co pay through their Rx plan. Any employment with the company full time entitles you to benefits after the 1st of the month following employment date. Also, if you leave for any reason you are entitled to the SAME EXACT benefits through their COBRA plan. It is the best plan in PA.
Source: Email submission 8/8/00

 

ING (Colorado)
ALl IF tx including IVF (United Healthcare Options PPO); $10,000 for ART (lifetime); prescription medication insurance (PAID/Medco) covers all fertility meds at usual rate (either $10, $20, or $30 co-pay depending on brand) - unlimited benefits for medications.
Source: Email submission 7/16/02

 

Inova Health Care System (Virginia)
All IF tx including IVF (Aetna); for employees working 20 or more hours per week. Covers $25,000 lifetime maximum for infertility - including IVF and any related procedures. They also give prescription coverage for up to 6 cycles - this is IN ADDITION to the $25,000 max for tx. Coverage begins the first month following your month of employment. There is no pre-existing condition clause. Inova owns a number of hospitals in the No. Virginia area - including Fairfax Hospital, Alexandria Hospital, Fair Oaks Hospital, and Mt. Vernon Hospital.
Source: Email submission 11/18/02

 

Integral Systems Incorporated. They have offices in Maryland, Colorado and several other states as well as internationally. They have Alliance PPO and have a $5,000 lifetime max for infertility and 3 IVF attempts per live birth up to $100,000 lifetime max. (email submission 10-8-03)

Integris Baptist Hospital (located in Oklahoma)

All IF tx including IVF (PPO Oklahoma/Mutual Assurance). They cover a maximum infertility benefit of 40,000.00 lifetime.
Source: IVFConnections Financing IVF post 2/21/00 and Email submission 3/1/02

 

Iron Mountain (New Jersey)

All IF tx including IVF (Cigna). In-vitro fert, GIFT, ZIFT, limite4d to 3 attempts per lifetime. No co-pay. Charges made for or in connection with all non-experimental infertility diagnosis and treatment procedures, including oral and injectable drug therapy; sperm, egg and/or inseminated egg procurement and processing; cryo preservation of sperm and embryos and related charges; artificial insemination; in vitro fertilization and embryo placement; intracytoplasmic sperm injection; gamete intrafallopian transfer; sygote intrafallopian transfer and similar procedures.
Source: Email submission 3/12/02

 

J

JPMorgan (New York)
All IF tx including IVF (various for medical; Merck Medco for Rx); Max lifetime coverage for IF is $25,000, not including meds. Rx insurance covers $5,000 lifetime for IF-specific meds. Adoption benefit of $10,000.
Source: Email submission 11/19/02

 

Jefferson Health System (located in Pennsylvania)
All IF tx including IVF (through Independence Blue Cross /Blue Shield) but no meds coverage.
Source: Email submission 8/8/00

 

Johns Hopkins University (and affiliated laboratories) In Maryland, through Aetna PPO 6 cycles lifetime injectables/IUI 3 cycles lifetime IVF (not sure if ICSI is included, but think so...) email 11-7-04

 

Johnson & Johnson (California and Ohio only?)

All IF tx including IVF (through Aetna PPO)
Source: FertileThoughts IVF post 6/4/00 and email submission 5/12/01

 

K

Kaiser Permanente
IF tx that MAY include IVF; Most DO NOT cover anything more elaborate than inj/IUI. In the Southern CA area the Drs will only do 3x cycles though there is no limitation described when you purchase the policy.
Source: Email submission 2/22/01

 

Kaiser Permanente, Southern California region, does offer IVF benefits to non-union employee groups such as physicians and other salaried employees. The policy is a supplemental policy through Harrington Benefits and it has a $30,000 lifetime cap. It pay 80% of costs and you pay 20% of costs from any provider. The cost is $23 a month for the policy. (Note: this is for Kaiser Permanente employees only. Not Kaiser members who are not employees.) ( Email: 1-30-06)

 

Kaiser Mid-Atlantic - states of DC & VA covered: IVI, ICI, IUI exclusive: InVitro, GIFT,AIFT, procurement, freezing/storage, assisted hatch, ICSI (If base or adv rider: invitro to 3 attempts per live birth LTM $100,000.) 10-28-04

 

Kaiser Hawaii -- Artificial Insemination: limit using spouse sperm. Invitro limit 1 procedure/lifetime, spouse sperm. exclused: reversal of sterilization 10-28-04

 

Kawasaki (in Nebraska only?)
Lincoln, Nebraska has up to $25,000 lifetime coverage for IF treatments.
Source: email 4/23/07 

 

Keane Inc (Ohio)
IF tx not including IVF (Aetna)
Source: Email submission 8/28/02

 

Kerr Drug
Source: Email submission 6/23/00

 

Kinkos
All IF tx including IVF (Aetna); 6 cycles of IUI or AI. The PPO is 3 cycles of ART at 90% after 1,000.00 deductible. The EPO and HMO are 100% of 3 cycles and no deductible. There are 2 PPO's. The second is a 250.00 deductible and then 90% for ART.
Source: Email submission (3/14/03) and misc.health.infertility post 4/28/00

 

K-Mart (in Illinois)
IF tx (not sure about IVF); Health Alliance.
Source: Email submission 6/28/00

 

K-Mart (in Michigan)
IF tx not covered; partial adoption donation (up to $3,000).
Source: Email submission 7/16/00

 

KSolutions, Inc. (Maryland and other locations)
All IF tx including IVF (BC/BS); we have employees all across the US and everyone is covered under our plan (BC/BS PPO) because we are a Maryland based company because of the "Maryland Mandate". Effective 10/01/00, Maryland Insurance Article Section 15-810 "Benefits for In Vitro Fertilization" was amended and several changes were made the law. Coverage includes 3 IVF attempts per live birth up to lifetime maximum of $100,000.
Source: Email submission 2/25/03

 

Kraft Foods
All IF tx including IVF
Source: Email submission 6/23/00

 

L

Laborer's Union 872 (Las Vegas, nevada)
All IF tx not including IVF (Health Plan of Nevada); they now cover up to 6 cycles of iui's but, no meds. and where you go has to be a provider for them so you might want to call them.
Source: Email submission 2/23/03

 

Lend Lease (includes Bovis and Cap Mark Services) (Georgia)
All IF tx including IVF (United Healthcare). Covers $50K Infertility and $10K meds.
Source: Email submission 2/28/02

 

Liberty Mutual Ins.
All IF tx including IVF
Source: Email submission 6/23/00

 

Long Island Railroad - Long Island, New York (LIRL):  UTU (union) negotiated insurance - Empire Plan/United Healthcare:

$50,000 lifetime maximum PER person.  No copays - 100% coverage if treatment is through

a "Center of Excellence".  Covered procedures - IVF, GIFT, ZIFT, ICSI, Assisted Hatching,

MESA, TESE, sperm, egg or inseminated egg procurement, processing, banking.  Need Pre-

Authorization for qualified procedures, except insemination.  Some transportation

expenses reimbursed when a Center of Excellence is used.   Fertility meds through Prescription plan -

copays ranging from $15 - $60, depending on whether it's a preferred medication. (Email 2-18-05)

 

Lucent Technologies (Illinois)
All IF tx including IVF through BC/BS HMO Illinois (only ins. co.). Lucent offers several health plans to choose from in Illinois, where as the others are self-insured, this one appears to be fully insured, therefore the state mandate applies. I am in the process of confirming this with Lucent Tech.
Source: Email submission 2/25/02

 

M

Madison Metropolitan School District in Madison, WI: offers the following benefits, depending on which insurance carrier you choose:

Alliance PPO: 
In-Network: Charges limited to infertility diagnostic service only. Artificial insemination is excluded.
Out-of-Network:  Subject to deductible and co-insurance.  Charges limited to infertility diagnostic service only. Artificial insemination is excluded.

Group Health:
Covered within the limits of the policy. Please refer to certificate. Limited to 50% of Covered Expenses up to a Lifetime Benefits Maximum for each Member of $30,000 with a maximum payment by GHC of $15,000.

WPS Statewide PPO:
100% of charges limited to infertility diagnostic service only.
Submitted via email: 7-24-06

 

Marcus Evans (New York)
All IF tx including IVF (Aetna PPO). 6 cycles of fertility treatments are 100% covered ($20 copay). Cycles can be either IUI, IVF, GIFT etc. All meds are covered (even IVF meds) with a $5 or $15 copay. The insurance is expensive (app $300 per month for h/w) but a lot less then IF treatments.
Source: Email submission 3/7/01

 

Marriott (Maryland)
All IF tx including IVF (Kaiser Permanente); Kaiser covers 50% of infertility treatments and medications - patient pays the other 50%. IVF and associated medications are covered @50% copay; GIFT and ZIFT are not covered. Limitations on IVF: 3 cycles per live birth up to lifetime maximum of $100,000. Coverage required due to Maryland mandate. Adoption coverage is abysmal. If you get pregnant and have elected to participate in the short/long term disability insurance plan, then you are covered for ~ 6 weeks disability (whatever the doctor indicates is applicable to your case). However, if you do not have short/long term disability, you can either take PTO (vacation) or FMLA (up to 12 weeks unpaid). Fathers can only take PTO or FMLA. For adoption, there is no coverage whatsoever. Your choices are PTO (vacation) or FMLA. Marriott does not provide any assistance with adoption expenses. 
Source: Email submission 7/14/02

 

Mars Corporation
Source: INCIID LII post 6/7/00

 

Marsh McLennan/Mercer Human Resources Consulting
All IF tx including IVF (United Healthcare); caps infertility treatment at $15,000 lifetime max. Source: Email submission 11/2/02

 

Mary Kay (distribution center employees)
All IF tx including IVF
Source: Email submission 6/4/00

 

Maryland, State of (government employees)
All IF tx including IVF (three attempts for tubal, endo, or 2-yr history)
Source: Email submission (1/21/03) and RESOLVE of MD post 2/1/00

 

MasterCard International (New York)
All IF tx including IVF (United Healthcare); : Choice Plus plan offers 100% coverage for IVF and associated meds when using in-network doctors. Lesser coverage is available with out-of-network doctors.
Source: Email submission (3/11/03)

 

Mayo Clinic (Minnesota and Scottsdale, Arizona)
All IF tx including IVF (Mayo Comprehensive); infertility treatment covered at 50% - includes all. $5000 reimbursement for adoption expenses.
Source: Email submissions 4/2/03 and 4/26/01

 

Mendocino - Lake Comm - Artificial Insemination, Invitro,procedure to restore/enhance reversal of sterilization 10-28-04

 

Merck-Medco/Medco Health Solutions (Florida)
All IF tx not including IVF (Humana HMO); no longer offers IVF under their insurance plan, they do cover If dx,and Tx and will pay up to $2000 of tx 100% and then 50% thereafter; possible adoption coverage 
Source: Email submission 9/22/02, 8/20/02 and 9/18/00

 

Merrill Lynch (New York)
All IF tx including IVF (Empire)
Source: INCIID IVF WR post 5/18/00

 

Merrill Lynch (Ohio)
All IF tx including IVF (Blue Cross Blue Shield); 3 IVF attempts per liftetime.
Source: Email submission 4/17/01

 

Methodist Medical Center (Illinois)
Covers IF treatment including IVF; believe there is a $5,000 limit per year. Testing/Treatment covered but has the limited amount of coverage. Has a limit # amount on coverage (Employee Benefit Corp. - EBC)
Source: Email submission 6/30/00

 

MetLife
All IF tx including IVF (three attempts plue three alternative (GIFT/ZIFT) attempts); 80/20 coverage through United HealthCare; meds through mail-order for $8 co-pay
Source: INCIID Pgw/Mult post 5/19/00

 

Metropolitan Jewish Health System (New York)
All IF tx including IVF (Oxford Health Plans); includes diagnosis, IUI, and one IVF (1 fresh, 1 frozen cycle). Does not include meds.
Source: Email submission 1/4/02

 

Metropolitan Transit Authority (NYC MTA)
Source: IVFConnections Financing IVF post 5/22/00

 

Microsoft
All IF tx including IVF (Aetna Preferred Plan covers up to $15,000 lifetime max for infertility services)
Source: Email submission 3/26/02

 

Miami Valley Hospital (Dayton, Ohio) has a fertility rider policy provided by the hospital when an employee carries their insurance through one of the hospital supported plans. The plan includes up to $15,000 lifetime limit, 50% drug costs, 75% IVF costs. (Email: 6-5-05)

 

Midwest Employers Casualty Company (Missouri)
All IF tx but not IVF (Cigna PPA); will cover costs of all testing and treatments administered. It will even pay 100% of cost for drugs given by the physician i.e. injectibles! It covers monitoring, etc.
Source: Email submission 8/16/00

 

Mirant Corporation (Georgia) ID dx but no treatment (United HealthCare and BlueCross/Blue Shield of GA); Both UnitedHealth Care and BCBS of GA cover IF diagnostic testing only under Mirant's plan. Clomid was paid, but no blood work or U/S, IUI or any other treatment. Source: Email submission 7/16/02

 

Monsanto (Missouri)
All IF tx including IVF (United Health Care); 2 IUI OR 2 IVF per person/per lifetime; also offers adoption assistance.
Source: Email submission 9/4/02

 

Monumental Life Insurance Co. / AEGON USA pays for IVF And all infertility related. (From an email dated 7-28-04)

 

Morgan Stanley (New York)
All IF tx including IVF; also offers adoption assistance.
 Morgan Stanley in NY has a 12K lifetime maximum on infertility benefits, and a 10K maximum on drugs.
Source: Email submission 8-26-08

 

N

National Instruments (Texas)
All IF tx including IVF (Great West)
Source: Email submission 5/27/02

 

The Nature Conservancy
All IF tx including IVF (Aetna); everything is covered including meds.
Source: Email submission 4/15/02

 

NCR Corporation (New York)
All IF tx including IVF (Cigna); three IVF tries maximum, but better than nothing! DE is covered as well, though not the DE fee.
Source: Email submission 5/10/03

 

New Jersey, State of (most government employees)
All IF tx including IVF
Source: INCIID PgFoyer post 5/18/00

 

New York, City of (Dept. of Correction)
All IF tx including IVF (Aetna US Healthcare, GHI); Cap on ART procedures, three per length of enrollment period, lifetime.
Source: Email submission 8/11/00

 

New York, City of (Fire Department)
All IF tx including IVF (GHI)
Source: INCIID IVF WR post 5/18/00

 

New York, City of (Police Department)
All IF tx including IVF (GHI). IVF covered w/a $10 co-pay. No IVF meds covered (Lupron, Gonal-F, Profasi). As of Jan2000, they pay for cryopreservation of embryos.
NOTE: You have to be very very careful with them as I learned from experience. I went to Cornell to have my IVF done. Although my Doctor was a GHI Doctor, all procedures are done and billed from CORNELL HOSPITAL. Because GHI is a patient/Doctor provider and not a HOSPITAL provider, they wouldn't cover it!
Source: Email submission 11/28/00

 

New York, State of (government employees)
All IF tx including IVF (Empire)
Source: INCIID IVF WR post 5/18/00

 

Norland Products (New Jersey)
All IF tx not including IVF (Oxford Liberty Plan D); the insurance plan covers office visits, bloodwork, ultrasounds, some meds (all non-injectibles), though not the actual retrieval/transfers.
Source: Email submission 5/20/02

 

Northeast Utilities (Connecticut)
All IF Tx including IVF (BlueCross Blue Shield of MA & Connecticare), covers 100% after payment of $10 copay. Covers diagnostic and approved surgical and medical treatments including IVF and IUI including meds.
Source: Email submission 12/27/01

 

O

OAO Technology Solutions
All IF tx including IVF
Source: Email submission 6/1/00

 

OfficeMax (Ohio)
Covers testing, IUI, oral meds (but not injectibles) Does not include IVF. (Aetna)
Source: Email submission 11/14/00

 

Oracle Corporation (California)
All IF tx including IVF (United Healthcare); Covers all infertility diagnosis and treatment, up to 20K lifetime max. However, since United Healthcare negotiates reduced costs with healthcare providers, that 20K can be stretched to 30-40K of actual care, since the negotiated rates are sometimes 40-50% less than what the providers charge initially.
Source: Email submission 6/8/02

 

OSF (Illinois)
OSF-HMO covers medication and testing. No coverage for tx-insem. or ART procedures. Hospital employees.

OSF-infertility coverage through EBC. Covers testing and treatment. Includes ART procedures. Check with deductibles/copays especially for treatment! Companies can purchase this insurance for their employees.
Source: Email submission 6/30/00

 

P

PAREXEL (North Carolina)
All IF tx including IVF (Blue Cross Blue Shield); Covers up to 6 IVF cycles. Offers $5000 for adoption.
Source: Email submission 5/15/02

 

Pearson Education (New Jersey)
IF tx: Infertility coverage covers most ART including IVF (United Healthcare). Monetary lifetime limit of $15,000. Adoption benefit up to $3500 for adoption related costs.
Source: Email submission 9/9/00

 

Peoria Civic Center (Illinois)
Testing & treatment of infertility covered; medications covered; use OSF hospitals (OSF HealthPlans)
Source: Email submission 6/30/00

 

PG & E: Services for diagnosis and treatment of infertility coverage includes the following 
procedures (for 2003): Artificial Insemination, In-vitro fertilization, Gamete (GIFT) and Zygote (ZIFT) intrafallopian transfer procedures $7,000 lifetime maximum whether in or out of network. $10Copay/100% in-network, 75% out of network after $200 deductible
IVF Medication covered under different plan, deductible with $500 out-of-pocket maximum per year. (11-3-03)

 

PPG Industries
All IF tx including IVF
Source: Email submission 6/23/00

 

Philips Health Care provides $15,000 lifetime max for all infertility. Medications are covered by a separate company not counted in the $15,000. 8-9-09

As of 7/1/05 covers all ART (Aetna), including IVF up to $25,000 lifetime max and $10,000 lifetime max on medications. Out-of-network covered at 70% after $500 deductible. Coverage the same under new BCBS plan effective 7/1/06.
Source: Email submission 7/10/06

 

Primedia, Inc. (New York)
All IF tx inlcuding IVF (Aetna). They cover any IF treatment up to a lifetime cap of $10,000. I only had to pay 20% + $300 deductible. $3,200 worth of IVF drugs were only $115!
Source: Email submission 4/12/01

 

Prime Tanning- Artificial Insemination, Invitro - except AK, HI, MD, MA 10-28-04

 

Proctor & Gamble (Ohio and possibly nationwide)
All IF tx including IVF (Various plans - infertility & adoption coverage is the same across all currently); For infertility, covers 80% of infertility services up to an annual maximum of $2500, 50% coverage on infertility drugs (no maximum). For adoptions, reimburses employees up to $5,000.00 per adoption for qualified expenses and up to $2,500.00 per child (50% of $5,000.00 benefit) for adoption fees. Up to a maximum of $15,000.00 will be paid under the Plan to any family during any 12-month period.
Source: Email submission 4/29/03 and FertileThoughts IVF post 6/4/00

 

Pro Health Care (Wisconsin) WPS health insurance covers IVF 70% up to $5,000 in a lifetime. (Email:5-14-05)

 

Q

QVC
Source: INCIID LII post 6/7/00 

 

R

RBC Mortgage, parent company is RBC(Royal Bank of Canada) Financial Group. They have infertility coverage through Blue Cross Blue Shield. The lifetime max benefit is $10,000--includes ART. Exclusions are tubal reversal and gender selection. Prescription drugs are covered 100% (minus copay) through Express-Scripts--this is an excellent coverage since drugs for IVF can run from $2500-$7000!! (email 1-7-04)

RBC Mortgage - The medications are covered with 35$ co-pay for injectables. Meds are covered at $10K lifetime max. The meds do not count towards the $10,000 max of the IF treatments. There is no limit to the number of times you do IUI Source. Email we received also stated, they covered donor egg with some work and appeal. ( email November 19, 2006)

 

Railroad Commission of Texas (State of Texas)
IF tx limited to no ART (IUI, IVF, etc.) (Blue Cross Blue Shield); no adoption benefits. Will cover infertility only if you will not have artificial insemination. Also does not cover any ART or any treatment prior to ART or after ART.
Source: Email submission 6/2/03

 

Raytheon (California)
All IF tx including IVF (Definity); $15000 lifetime limit for IVF.
Source: Email submission 10/6/02

 

RealNetworks, Inc. (Washington)
All IF tx including IVF (Regence Blue Shield); Covered in PPO Network at 90%, includes regular ART including but not limited to artificial insemination, IVF GIFT, ZIFT. Also covered is donor oocyte harvesting. Fertility drugs for subscriber, spouse, or oocyte donor are covered under the prescription drug card program.
Source: Email submission 5/24/02

Riceland foods inc in Arkansas:  Offers Blue cross and blue shield to its employees. And it covers infertility and ivf upto 15,000 lifetime max (email 2014)

RT Environmental Services.  It covers all testing and up to 4 IVF/FET with a 700 deductible each year.  Must have a two year history of ttc first.  Insurance company is Guardian.  All meds covered with 20.00 copay.  No lifetime max. (Email: 11-17-04)

 

S

Sabre Inc (Oklahoma)
All IF tx including IVF (United Healthcare "PPO Plan 1"); will cover 50% of all procedures up to $10,000 lifetime max. Dx is covered at normal office visit copays ($10/$20 specialist).
Source: Email submission 6/12/01

 

SAIC - Science Applications International Corp (California)
All IF tx including IVF (Aetna PPO - Company PPO through Aetna offers IVF coverage with a 5K maximum.)
Source: Email submission 1/21/03

 

Salomon Smith Barney
All IF tx including IVF (United Healthcare/Aetna/Oxford). United Health Care & Aetna $15,000 max lifetime -- 100% in network/70% out of network, Drugs too. Oxford $15,000 lifetime max ONLY in Network.
Source: INCIID IVF WR post 5/18/00 and Email submission 4/12/01

 

Sanofi
Source: INCIID Pgw/Mult post 5/19/00

 

Sapphire Technologies (Texas)
All IF tx including IVF (One Health Plan PPO). $5000 max lifetime; medications 120 day supply per year.
Source: Email submission 4/16/01

 

SAS Institute (Cary, NC)
All IF tx including IVF
Source: Email submission 6/23/00

 

Scholastic Corp cover IVF and IUI under United Health Care PPO with a lifetime max of $10,000 not including IVF medication - which is covered under prescription drugs. Source: Email submission 8-26-08

 

Sears
All IF tx (with HMO IL insurance plan only) Note: IL is a mandated state.
Source: INCIID Pgw/Mult post 5/19/00

 

Sears - Sears does not cover IVF, ZIFT,GIFT or IUI. (email 11-1-03)

 

Shand's Hospital (Florida)
All IF tx including IVF (BC/BS Florida); IVF Covered under the Shand's Basic Plan only. All IVF procedures must be done at the Shand's facility. $50,000 lifetime max (approx 7 tries).
Source: Email submission 8/1/02

 

Siebel Systems (California)
All IF tx including IVF (Blue Cross/Blue Shield); Coverage includes all fertility treatments; 25k lifetime max; includes all meds
Source: Email submission 10/8/02

 

Sogeti USA (Ohio)
No IF tx; $5K for adoption assistance
Source: Email submission 8/28/02

 

Sony (California)
No IF tx
Source: Email submission 8/13/02

 

South Carolina, State of (government employees)
All IF tx including IVF (one attempt) at 70% coverage; $15K lifetime coverage
Source: INCIID IVF WR post 5/18/00

 

Sprint 
As of Jan. 1 2004, Sprint will no longer be offering infertility treatments and they will not be covering infertility medication. Before 1-1-04 they paid for 100% of treatments up to lifetime max of $25,000. You only had to pay co pays. But due to the rising cost of healthcare, they have decided to eliminate infertility treatment. The only thing covered is some diagnostic testing. This will be for all 5 health plans that they offer. (email submission 12-2-03)

 

Southwestern Bell aka SBC (texas)
All IF tx including IVF (BCBS of IL is PPO) as well as adoption; not sure amount on adoption but on IF they cover 6 attempts all drugs have copay $10/$20 or $30 there is only $150 deductable a year everything else is covered. SBC has an 3 plans to choose from the PPO HMO and another not sure but from United Health Care.
Source: Email submission 5/29/03

 

Sprint PCS (All States with Sprint PCS)
All IF tx including IVF (Insurance: CIGNA - Indemnity (High or Low Deductible Plan), SprintChoice, SprintSelect). IF coverage is ANYTHING up to 25K per lifetime.
Indemnity Plan pays 80% of R&C charges after deductable 1) Low Plan $600/ind., $1200/family, annual out of pocket max. incl. deductable $1600/ind., $3200/family; 2) High Plan $1500/ind., $3000/family, annual out of pocket max. incl. deductable $2500/ind., $5000/family.

SprintChoice (PPO plan): In-Network 100%, $10/co-pay

SprintSelect (EPP plan): In-Network only, 100%, $10/co-pay
All four plans cover $25K maximum IF to include procedures for correction of IF, artificial insemination, IVF, GIFT, ZIFT, etc. Experimental procedures/treatment/drugs not covered.
Drugs are covered on separate drug plan, Express Scripts. Have verified following covered: Follistim, Gonal F, Lupron. 
We chose an out of network provider, and they are covering 70% after deductables. I don't know what the adoption benefit is, but I know we have one.
Source: Email submissions 2/24/02, 2/28/02, and 3/20/02 

Sprint PCS:  Offers adoption assistance (Email 4-21-05) 

 

Staples (Massachusetts)
All IF tx inclduing IVF (Cigna); these are for full-time employees only. Corporation will offer $4000-5000 towards an adoption. Cigna Healthcare out-of-network benefits offer $50,000 to cover ART. They do not cover donor eggs, ICSI, FET or cryoperservation.
Source: Email submission 3/22/03

 

Starbucks (Texas)
Adoption= $3000.00 per attempted or successful adoption, up to $9000.00 total. No ART coverage, but infertility drugs are covered.
Source: Email submission 1/4/01

Starbucks covers all diagnostic and medications for IUI and IVF.  They do not cover IVF treatments.  You have to be a full time employee or a 20hr a week part-time employee.  Aetna is their carrier. (Email 6-17-05)

 

State of Texas (Texas)
IF tx exclduing IVF (Blue Cross/Blue Shield); Covers diagnosis and some treatment of infertility with a 10% co-pay. Most services are covered under your $15 or $20 office visit (depending on the plan). Special services such as ultrasounds, etc. are covered at 90%. No IVF or Intrauterine insemination.
Source: Email submission 5/6/03

 

Sun Microsystems
All IF tx; $5K lifetime coverage
Source: INCIID IVF WR post 5/18/00

 

Symbol Technologies (Georgia)
All IF tx, including meds, ART max $10K (United Healthcare). None of my preliminary workup was taken from this max, only once the IVF began. This company is based in NY, but has offices in NJ, GA, FL (and maybe others).
Source: Email submission 10/28/00

 

T

Talbots (All States)
All IF tx including IVF (Cigna); Company offers Cigna HMO 3 IVF attempts, bloodwork, & ultrasounds. Plan offerred in all 50 states; must be Full-time or Part-time 'B'. Adoption expenses may be reimbursed up to $3,000 Source: Email submission 8/7/02; Meds for IVF not covered (Email received 11-19-06)

 

Tapp Pharmaceuticals (Illinois)
All IF tx including IVF; prior approval required! Humana only covers Tapp Pharmaceuticals and Abbott employees for IF coverage in IL.
Source: Email submission 6/30/00

 

TEKsystems
All IF tx including IVF (three attempts for tubal, endo, or 5-yr history) with 80/20 coverage
Source: INCIID IVF WR post 5/18/00

 

Tellabs (IL): IF Coverage : 4K life time max and 6K for prescriptions (email 8-26-08)

 

Teradyne (company based in Mass.; coverage for all US-nationwide employees)
All IF tx including IVF (Cigna PPO/POS); up to 8 IUIs per lifetime, and 4 IVF/GIFT/ZIFT or more if medically approved. In-network $10 office visit, $5/$10 for Rx including injectables, surgery 100%. Out-of-network 80% coverage with $200 deductible to be met first, Rx 80% after $50 deductible, surgery 80% after deductible.
Source: Email submission 11/3/00

 

Time Warner Cable
All IF tx including IVF
Source: Email submission 6/23/00

 

Time Warner and all sub-companies offer ivf 3xs, IUI 3xs, 100% (email 2-1-06)

 

T Mobile: They offer 10K lifetime w/ 2,500.00 for meds. They cover infertility - including IVF, GIFT, ZIFT etc. (email submission 11-20-03)

 

Towers Perrin (Pennsylvania)
All IF tx including IVF (United Health Care); $10K per procedure/$20 lifetime. Towers Perrin has over 80 offices thru-out the country and multiple offices overseas. Please see www.towers.com for more inforamtion on office locations.
Source: Email submission 5/19/03

 

Tribune Company (Illinois)
All IF tx including IVF (Cigna HMO); 100% up to $35,000 lifetime maximum (plus $15,000 lifetime maximum for infertility drug coverage). $5,000 Adoption Assistance Reimbursement
Source: Email submission 11/3/02

 

TriHealth (Ohio)
All IF tx including IVF (Anthem HMO).
Source: Email submission 6/5/02

 

Tru-Serv (headquarters in Chicago, IL) Warehouse for True Value Retail Stores. However, according to Illinois law, you MUST live in Illinois to get the Infertility coverage. (From an email dated July 2004)

Travelers Insurance Co. (St. Paul) offers adoption assistance of $5,000 ( I think this can be tapped more than once) and a lifetime fertility benefit of $20,000 plus pays 50% of the cost of fertility drugs. Email (10-10-04)

 

TRW (Utah)
All IF tx excluding IVF (Aetna); Insurance covers meds, treatments, testing, everything EXCEPT harvesting and handling of eggs. TRW will reimburse up to $5000 of some adoption fees. Will not go to reimburse gifts to birth mother or travel.
Source: Email submission 4/12/01

 

U

Ukiah Unified School - Artificial Insemination, Invitro, reversal of sterilization 10-28-04

 

Uline, Inc., based out of Illinois, offers infertility coverage to all employees in all states. Employees must have 2 years of documented infertility. There is no dollar limit and you are allowed up to 4 IVF cycles for the first pregnancy, and 2 more for subsequent pregnancies, for a total of 90% coverage in-network, 70% out of network. Meds also covered.Uline's coverage is based on Illinois law but they extend it to employees who do not live in Illinois. (email 5-17-07)

 

United Parcel Service (UPS) (New York)
All IF tx including IVF (Aetna US Healthcare). As of January 1, 2003, will only cover 1 attempt per lifetime. Have to make sure you choose the hmo over the regular Aetna in order to get coverage. All meds covered 100% but must be from an authorized mail order pharmacy to be covered. 
Source: Email submission 1/10/03 and 3/1/02

 

The University of Phoenix (Apollo Group) in Philadelphia, PA offers fertility benefits to their employees through Cigna Healthcare PPO.  They offer $1000 deductible,  but afterwards all surgery, meds and IUI are covered.  IVF is not covered.  Email: 5-26-05

 

U.S. Government (federal employees)
Some IF tx covered through HMOs (Kaiser Permanente); IVF covered by Kaiser-Permanente HMO (DC, MD, VA) and MD-IPA HMO (DC, MD, VA)
Source: http://www.opm.gov/insure/index.html10/27/00

 

US Oncology Associates: (BC/BS of TX) covers Infertility treatment & meds. Labs, u/s & office visits are covered under the copay. The retrieval & transfer are covered at either 10%, 15% or 20% of contracted rates depending which tier (there are 3) you choose. The majority of meds are covered at a $10, $35 or $50 copay (it does not cover progesterone). US Oncology has cancer centers throughout most of the United States. One just needs to call the cancer center to see if it is affiliated with US Oncology or go to it's websitehttp://www.USOncology.com. (Email: 3-10-05)

 

V

Verizon Wirless (Florida): All diagnostic/testing  and correction covered  . Injectibles not covered. IVF/GIFT/ZIFT not covered. $5000 adoption assistance (Email 4-21-05)

 

Verizon - Maine to WV (East Coast). $10,000 annual with a $20,000 lifetime cap. These figure includes any IF related procedures and meds.Verizon to your list. From Maine to WV (East Coast). $10,000 annual with a $20,000 lifetime cap. These figure includes any IF related procedures and meds. (Email submission 12-8-03)

 

Vision Enterprises (Illinois) All IF tx including IVF (Blue Cross Blue Shield Illinois)
Source: Email submission 7/16/00

 

Volvo
Source: INCIID LII post 6/7/00

 

W

Wake Forest Baptist Hospital (Winston-Salem NC)
All IF tx including IVF (lifetime max of $25,000, drugs lifetime max of $5,000)
Source: ParentsPlace IVF post (7/15/00)

 

Walgreens
IVF COVERAGE WILL BE LIMITED TO EMPLOYEES WITH 5 YEARS OR MORE OF SERVICE EFFECTIVE SEPTEMBER 2003
All IF tx including IVF covers all States through Blue Cross/Blue Shield of Illinois (either the PPO or Traditional plan). The maximum benefit is $75,000/person for employees with less than 1 year of service, $150,000 with at least 1 year of service, and $250,000 for 2 to 5 years of service, and $850,000 for more than 5 years of service. You have to work 30 or more hours per week, and be employed 90 days before coverage begins. Medication is covered through Walgreen's. *THIS PRICE HAS CHANGED EFFECTIVE 3/1/02 -- AS FOLLOWS* Generics $5/30 day supply $10/90 day supply Preferred brand name 18.50/30 day supply 51/90 day supply Non-preferred brand $35/30 day $100/90 day supply. Fertility drugs will still be covered but most fall in the non-preferred brand category. 4 lifetime IVF attempts. *MAY* cover tubal reversal surgery.
Source: Email submission 1/3/03; 4/21/01; 3/1/02; 6/2/03

 

The Washington Post (Washington DC)
All IF tx including IVF (Aetna PPO, Alliance or Kaiser Perm.); 5k for adoption benefits, 10k for IVF ,GIFT, ZIFT
Source: Email submission 9/11/02

 

Wells Fargo
Wells Fargo covers infertility, up to diagnosis. It does not cover IUI, IVF, GIFT, ZIFT, or injectible drugs, except in states that mandate it. Possibly covers $5000 per adoption.
Source: Email submission 2/19/01

 

Westchester County (New York)
All IF treatement including IVF (through POMCO). Upto 3 IVFs including medications.
Source: Email submission 2/24/02

 

Wiley (book publishers), offers insurance that covers some infertility costs. All diagnosis/tests are covered. Surgeries (ie - laparoscopy, blocked tube, varicocele repair) are covered. IUI and IVF are not covered, but ultrasounds, bloodwork, and meds (including injectables) are covered. Meds have a co-pay of $35 for brand names. They also pay up to $5,000 of adoption expenses. Wiley's main office is in Hoboken, NJ, but there's also a large office in Indianapolis, IN. Source email 7-14-04

 

William Beaumont Hospital in michigan covers 5000 toward IVF. Email submission 9-24-04  

Wyeth Pharmaceuticals (Pennsylvania)
All IF tx including IVF (Wyeth, Horizon Blue Cross of NJ); through Horizon BC's PPO plan - $30,000 lifetime max for any and all infertility including IUI& IVF. All meds (including injectibles) covered with $9 copay through Wyeth Prescription Plan. Wyeth Health Plan covers all infertility (including IVF) no limit at 80/20. HQ in PA, but offices all over the states and rest of the world.
Source: Email submission 8/26/02

 

Wyeth Pharmaceuticals and they provide IF coverage (all areas.) They have 3 insurance plans (one is even completely free) and all offer coverage for up to $25,000. The plans range from paying 80% to copays of $40. We found that the free plan pays 80% and that was actually the best deal for IVF.
2-14-04 (email)

 

X

Xerox Corporation (All States)
All IF tx including IVF (BCBS, United, Aetna). Coverage is provided in all the states where Xerox is located. Coverage is limited to 3 IUI and 3 ART (IVF, GIFT, and/or ZIFT) attemps per lifetime per insurance; treatments and medications are covered 100% with regular co-payments of 10-15$$. After 1 insurance is used up, changing insurances will give you the fresh start!
Source: Email submission 4/13/01

 

Xerox Corporation (New York)
All IF tx including IVF (3 cycles of ART per lifetime; 6 medicated cycles), United Healthcare insurance.
Source: Email submission 4/12/01

 

Xerox Corporation (Texas)
All IF tx including IVF (United Healthcare); UHC has a $500 per person deductible with a yearly max out of pocket of $5,000 per family. Covers 3 IUI or IVF procedures including drugs at 80%. They do not cover ICSI. Adoption assistance of $2,000 through the LIfe Cycle assistance program for employees with 5 years tenure or more.
Source: Email submission 4/12/01

 

Y

Yale University
All IF tx including IVF (Blue Care (Blue Cross & Blue Shield)). 50% coverage of all IF tx's. $15,000.00 Max.
Source: Email submission 3/2/01

 

Young and Rubicam (Florida)
All IF tx including IVF (United Healthcare); $10,000 Lifetime Max for infertility coverage--can be used for any infertility treatment. Also offers adoption assistance.
Source: Email submission 8/14/02

 

Z

Zurich Insurance (Kansas)
Dx and tx of conditions causing IF (Aetna; UHC); Covers IF drugs, including injectibles. Doesn't pay for ART or IUI. Will pay for max. 6 cycles of drug therapy (lifetime).
Source: Email submission 11/25/02 

 

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Have information to add or correct on the list? Email us!

Miracles and Memories Pins

Miracles and Memories Pin

Miracles and Memories PinConsider the first and ONLY family-building INCIID Miracles and Memories pin for yourself, your family and friends - or if you are a reproductive endocrinology and infertility clinic or a patients who might want to provide them to your extended family members or to friends. INCIID was the first to come out with a pin covering all aspects of family-building.

Providing these particularly during "parenting" holidays (Christmas, Mother's Day, Father's Day etc.) can be supportive and helpful to those struggling to build their family. For thousands of reproductively challenged couples, the holidays can be a difficult time, as their only wish is to have a family of their own. If you are a doctor caring for patients,  INCIID is asking you to give out “Miracles and Memories” family-building pin to show patients and staff in a small but caring way that you support efforts to build a family. The idea is to build awareness and support for INCIID, a non-profit organization, providing scholarships for couples with infertility diagnoses as well as support and information on family building options. If you are a patient, or the family of a patient struggling with fertility, pregnancy loss or making the decision to adopt - Miracles and Memories Pins can provide added support.

Because INCIID is a non-profit organization, it relies solely on donations and contributions to maintain the success of the “From INCIID the Heart” scholarship program.  The INCIID team has created “Memories and Miracles” pins. INCIID is asking  couples, doctors, family members to donate just $25 to increase infertility awareness while at the same time providing a tax deductible donation to increase awareness and in support of creating a family.

The pins are packaged in a small clear plastic baggy attached to a white card that explains representation of each color on the pin and that pins support INCIID’s work and the IVF Scholarship.

The MAM (Miracles & Memories) Family-Building Pin :

Download the Bulk order form (for bulk orders of 100 or more pins) including a photo of the Miracles and Memories (MAM) pins

 

 

Insurance Carriers that may offer infertility insurance or riders

Insurance Carriers That May Offer 
Infertility Treatment Coverage to Employers in the U.S.

Have information to add or correct on the list?
Please Contact Us 
Find a job with a company that offers infertility coverage.

Alphabetical Insurance Carrier List
A ~ B ~ C ~ D ~ E ~ F ~ G ~ H ~ I ~ J ~ K ~ L ~ M ~ N ~ O ~ P ~ Q ~ R ~ S ~ T ~  U ~ V ~ W ~ X ~ Y ~ Z

 

 

A

Admar PPO

Adventist Healthcare

Aetna HMO

Aetna Managed Care

Aetna Managed Choice

Aetna PPO

Affordable Medical Network

Airline Employees Union

Alliance (PPO)

Arlington HealthQuest

American Heritage Life

American Medical HealthCare

America's Health Plan

Amerihealth HMO

 

B

Beacon Health Plan (Commercial HMO)

Beech Street PPO

Bellsouth (Blue Cross/Blue Shield of Alabama)

Blue Cross Blue Shield Illinois

Blue Cross/Blue Shield of Maryland

Blue Cross and Blue Shield of Massachusetts

Blue Cross and Blue Shield of Minnesota

Blue Cross/Blue Shield - National Capital Area

Blue Cross and Blue Shield of Rhode Island

Blue Cross Prudent Buyer

Blue Shield HMO

 

C

California Advantage

CAL/PERS (California State Employees)

Capp Care PPO

Care First Blue Cross/Blue Shield

Carrollton-Farmers Branch ISD PPO

CHAMPUS (some policies)

Choice One PPO/EPO/POS

CHS Healthnet

Cigna HMO

Cigna PPO

City of Carrollton (TX) PPO

City of Richardson (TX) PPO

Cleveland Clinic Florida Health Plan

CCN (Community Care Network)

Culinary Workers; Las Vegas

 

D

Delta Airlines Employee Plan

Dimension

 

E

 

F

Federal Reserve Bank of Dallas

FHP

Florida Health Alliance

Florida Health Choice Select HMO

Florida Health Choice Plan PPO

Florida Health Network

Food and Beverage Workers (Las Vegas)

Foundation Health

 

G

Galaxy Healthcare PPO

Great Western

Guardian PHCS

Guardian PHS

 

H

Harris Methodist HMO/PPO Harvard Community Health Plan

Health Advantage Network

Health Net (HMO and PPO)

Healthcare Management Solutions

Healthcare Partners of East Texas

HealthKeepers

HealthSmart Preferred Care PPO

Healthsource PPO

Humana HMO

Humana PPO

 

I

Integrated Medical System

 

J

John Alden PPO (Dimension PPO)

John Deere

John Hancock

 

K

Kaiser Foundation Health Plans

Kaiser-Permanente HMO

 

L

 

M

MAMSI

MAPSI

Managed Care Of America (MCA)

Managed Healthcare Inc PPO

Massachussets Mutual

MDIPA Optimum Choice

Medical Control Inc PPO

Medview PPO

MetLife

 

N

Northrup / Blue Cross

NTHN Gated EPO/POS/PPO

 

O

Optimum Choice

Oxford Health Plans (Freedom Select Plan)

 

P

Physicians Health Network

Plaines Health Network

Plano ISD PPO

Potomac Physician HMO

Preferred Health Network

Preferred Health Providers (PHP)

Preferred Plan of Texas PPO

Preferred Provider Mid-Atlantic

Principal Health Care PPO

Private Healthcare Systems (PHCS)

ProAmerica Managed Care PPO

Pro-Net PPO

Prudential PPO/POS/EPO

 

Q

 

R

 

S

Screen Actors Guild (SAG-Producer's Health Plan)

Selectcare Southwest Airlines Health Plans

Southwest Medical Provider PPO

Summit TPA

Sunrise Healthcare

 

T

Teachers Retirement System PPO

Tenet Select Health Plan

Texas Municipal League PPO

Total Health Choice (Commercial HMO)

Trigon Blue Cross/Blue Shield (formerly BC/BS of Virginia)

Tufts Health Plan

 

U

Unicare PPO

United Healthcare POS

United Healthcare PPO

USA Health Network

USA Managed Care Organization

USC (University of Southern California) IPA

 

V

VHA Southwest Preferred PPO

 

W

Well Care (Commercial HMO)

WellPath

Wilson N Jones PHO

 

X

 

Y

 

Z

 

Insurance Companies / Carriers Known to Cover Infertility

Insurance Carriers That May Offer 
Infertility Treatment Coverage to Employers in the U.S.

Have information to add or correct on the list?
Please EMAIL US

Alphabetical Insurance Carrier List
A ~ B ~ C ~ D ~ E ~ F ~ G ~ H ~ I ~ J ~ K ~ L ~ M ~ N ~ O ~ P ~ Q ~ R ~ S ~ T ~  U ~ V ~ W ~ X ~ Y ~  Z

 

 

A

Admar PPO

Adventist Healthcare

Aetna HMO

Aetna Managed Care

Aetna Managed Choice

Aetna PPO

Affordable Medical Network

Airline Employees Union

Alliance (PPO)

Arlington HealthQuest

American Heritage Life

American Medical HealthCare

America's Health Plan

Amerihealth HMO

Avmed

 

B

Beacon Health Plan (Commercial HMO)

Beech Street PPO

Bellsouth (Blue Cross/Blue Shield of Alabama)

Blue Cross Blue Shield Illinois

Blue Cross/Blue Shield of Maryland

Blue Cross and Blue Shield of Massachusetts

Blue Cross and Blue Shield of Minnesota

Blue Cross/Blue Shield - National Capital Area

Blue Cross and Blue Shield of Rhode Island

Blue Cross Prudent Buyer

Blue Shield HMO

 

C

California Advantage

CAL/PERS (California State Employees)

Capp Care PPO

Care First Blue Cross/Blue Shield

Carrollton-Farmers Branch ISD PPO

CHAMPUS (some policies)

Choice One PPO/EPO/POS

CHS Healthnet

Cigna HMO

Cigna PPO

City of Carrollton (TX) PPO

City of Richardson (TX) PPO

Cleveland Clinic Florida Health Plan

CCN (Community Care Network)

Culinary Workers; Las Vegas

 

D

Delta Airlines Employee Plan

Dimension

 

E

 

F

Federal Reserve Bank of Dallas

FHP

Florida Health Alliance

Florida Health Choice Select HMO

Florida Health Choice Plan PPO

Florida Health Network

Food and Beverage Workers (Las Vegas)

Foundation Health

 

G

Galaxy Healthcare PPO

Great Western

Guardian PHCS

Guardian PHS

 

H

Harris Methodist HMO/PPO Harvard Community Health Plan

Health Advantage Network

Health Net (HMO and PPO)

Healthcare Management Solutions

Healthcare Partners of East Texas

HealthKeepers

HealthSmart Preferred Care PPO

Healthsource PPO

Humana HMO

Humana PPO

 

I

Integrated Medical System

 

J

John Alden PPO (Dimension PPO)

John Deere

John Hancock

 

K

Kaiser Foundation Health Plans

Kaiser-Permanente HMO

 

L

 

M

MAMSI

MAPSI

Managed Care Of America (MCA)

Managed Healthcare Inc PPO

Massachussets Mutual

MDIPA Optimum Choice

Medical Control Inc PPO

Medview PPO

MetLife

 

N

Northrup / Blue Cross

NTHN Gated EPO/POS/PPO

 

O

Optimum Choice

Oxford Health Plans (Freedom Select Plan)

 

P

Physicians Health Network

Plaines Health Network

Plano ISD PPO

Potomac Physician HMO

Preferred Health Network

Preferred Health Providers (PHP)

Preferred Plan of Texas PPO

Preferred Provider Mid-Atlantic

Principal Health Care PPO

Private Healthcare Systems (PHCS)

ProAmerica Managed Care PPO

Pro-Net PPO

Prudential PPO/POS/EPO

 

Q

 

R

 

S

Screen Actors Guild (SAG-Producer's Health Plan)

Selectcare Southwest Airlines Health Plans

Southwest Medical Provider PPO

Summit TPA

Sunrise Healthcare

 

T

Teachers Retirement System PPO

Tenet Select Health Plan

Texas Municipal League PPO

Total Health Choice (Commercial HMO)

Trigon Blue Cross/Blue Shield (formerly BC/BS of Virginia)

Tufts Health Plan

 

U

Unicare PPO

United Healthcare POS

United Healthcare PPO

USA Health Network

USA Managed Care Organization

USC (University of Southern California) IPA

 

V

VHA Southwest Preferred PPO

 

W

Well Care (Commercial HMO)

WellPath

Wilson N Jones PHO

 

X

 

Y

 

Z

 

Reading Between the Lines in the CDC IVF Clinic Statistics Reports by Sam Thatcher, M.D., Ph.D.

Reading Between the Lines in the CDC IVF Statistics Clinic Reports

By Sam Thatcher M.D., Ph.D. 
 

The Fertility Clinic Success Rate and Certification Act of 1992 requires that U.S. clinics performing assisted reproductive technology (ART), fertility treatments in which both eggs and sperm are handled, report their success rates to the Centers for Disease Control (CDC). The CDC publishes an annual report detailing the ART success rates for each of these clinics and also summarizes the data from all clinics collectively. This information is widely used and is available at www.cdc.gov.

 

Couples considering ART should be cautious of programs that report success rates significantly lower, or even higher, than the national average. Couples should also understand that the difference in clinic specific success rates might be related more to patient selection and aggressiveness of therapy than to program quality. A direct comparison of different clinics by success rates alone may lead to erroneous conclusions. It is imperative that each couple has a frank discussion with their physician so that their individual chances of success can be placed in the framework of an individual clinic’s success.

 

In 2001, there were 421 ART clinics identified in the United States and 384 submitted data to the CDC regarding 107,587 cycles and about 40,000 babies. For all ages the success rates were 32.8% pregnancies per cycles and 33.4% live births per transfer. The following is an editorial explanation of how to interpret the CDC reports. To get the most benefit from this presentation, one should have a copy of a specific clinic's report as reference. Third party reproduction (donor egg, donor embryo, and gestational carrier) is not presented for brevity.

 

1.     Types of ART

 While the GIFT and ZIFT procedures had arguably better success rates than IVF and embryo transfer in the distant past, these types of ART are now generally restricted to very specific indications. Only about 1 % of assisted reproduction was not related to IVF. In 2001, success with GIFT was less than with IVF. Clinics performing more than the occasional GIFT/ZIFT procedure should be questioned about the rationale for their approach. Many large clinics perform no ART other than IVF or IVF/ICSI.

 

There were only a very small number of total cycles in which no stimulation was given, probably a few more in which Clomiphene was used. The vast majority of cycles use gonadotropin stimulation.

 

Virtually all ART clinics now perform intracytoplasmic sperm injection (ICSI) and it is a part of about 50% of 2001 IVF cycles, but there is great variance among clinics in its utilization. Some programs are very liberal and perform as much as 80% ICSI while others perform less than 10%. Some clinics limit ICSI to severe well-documented male factor cases while others may expand it to include unexplained infertility as well as borderline cases of male factor. While ICSI has revolutionized therapy for male infertility and allows pregnancies for many who otherwise would be relegated to use of donor sperm, it remains controversial whether ICSI should be performed without a specific reason. About 50 % of ICSI treatments had no male factor identified. Overall success rate with ICSI was slightly lower than conventional IVF with and without male factor. There is little evidence that ICSI is beneficial for issues of egg quality alone.

 

 2. Patient Diagnosis 
Initially, IVF was used in treatment of tubal disease where there was an obvious rationale to bypass the need for the fallopian tubes. IVF was quickly extended to treatment of male factors because of the equally obvious benefit of allowing larger number of motile sperm to be placed in closer proximity to the egg. Now, IVF represents the final common pathway for virtually all forms of infertility. In some cases, IVF may be appropriately utilized as a first line approach, while in others it may come at the end of an exhaustive evaluation and multiple interventions. IVF may correct a specific block to fertility, it may allow multiple causes of infertility to be treated at one time, or it may simply overpower the cause of infertility by its aggressiveness.

 

Populations of patients may vary in different clinics and areas of the country.

Individual clinics do not report their success rates by each type of infertility. The CDC tabulates all indications and reports success with different types of infertility for all clinics combined. The worst prognoses are for the individuals with diminished ovarian reserve (decreased egg supply). This may occur with advancing age and when endometriosis, surgery, or other factors have damaged the ovary. Each clinic may define diminished ovarian reserve differently. The CDC reports quite good success rates with treatments for endometriosis, but there is no separation between its milder forms, which should have excellent chances of success and severe forms in which multiple reports have shown significant compromise in success. Individuals with multiple factors do not perform as well as those with single factor infertility. The greatest success is found where IVF is used for treatment of couples suffering from male factor alone closely followed by cases involving only ovulatory dysfunction alone. Great care should be taken in comparing a reported success rate for type of infertility with individual couple’s own diagnosis. There are very marked variations within each diagnostic category and no two couples are truly the same,

 

 3.  Age 
Age is probably the single best predictor of IVF success. Individuals over age 42 have markedly reduced chances of success in all clinics. While there is a gradual decline of fertility with age, the greatest shift occurs around age 38. In 2001 the live birth rate fell from 15.9% at age 40 to 5.9% at age 43 and 2.9% at ages above 43. At age 42, the miscarriage rate was 40%, increasing to near 60% at age 44 and over. As the CDC points out, clinics should not be compared by their success rates for women over age 42. There is much greater chance of cycle cancellation and miscarriage once a pregnancy is established in women over age 40.

Clinics vary dramatically in the percentage of their total IVF enrollment above age 38. Clinics also vary in the stringency of their enrollment criteria. It is unclear whether these two facts are related. Certainly, clinics in which patients are highly screened will have better success rates than those clinics with an open enrollment allowing most patients to attempt IVF regardless of anticipated success.

A common diagnostic test and predictor of ovarian responsiveness is the measurement of follicle stimulating hormone (FSH) and estradiol (E2) on cycle day 2-3. Higher FSH levels do not preclude a pregnancy, but they usually predict a decrease in the number of eggs available from ovarian stimulation and therefore, may also indicate decreased success. Clinics vary in the level of FSH considered exclusionary to proceed with treatment.

 

4. Number of cycles

A cycle is counted when a woman begins taking drugs for ovarian stimulation. In 2001, clinics performing fewer than 60 cycles had a 23.4% chance of pregnancy compared with 27.5% in clinics performing over 240 cycles per year. Clinics performing between 60-248 cycles had a 26.3 % success rate. As a group, larger clinics may have more uniform and predictable, but not better, success rates. Care should be taken when choosing smaller clinics. Some smaller clinics have excellent success rates while rates with others are very poor.

Over 50% of IVF pregnancies are achieved in the first cycle. Another 22% are achieved after one additional try and 13% will occur with three or more attempts. Some clinics may offer multiple repeat cycles to individuals with poorer chances of success, while other clinics are more likely to suggest egg donation.

 

5. Percentage of cycles resulting in pregnancies / live births 
The difference between the cycles resulting in pregnancies and those resulting in live births represents the miscarriage rate. Approximately 17% of all patients regardless of age or number of pregnancies resulted in an adverse outcome (miscarriage, induced abortion, or stillbirth.) The chances of miscarriage in otherwise fertile women have been variously reported to be between 8-15 %. Pregnancy loss is probably related much more to individual patient characteristics than to the IVF procedure, or to the individual clinic.

While the live birth rate is important in the personal decision to pursue therapy, the IVF program itself is probably better judged by its pregnancy rate. In the past, pregnancy has been defined variously as either a positive hCG level (pregnancy test), ultrasound evidence of a pregnancy or evidence of fetal heart activity on ultrasound. In 2001, pregnancy was defined as ultrasound evidence of a gestational sac. Miscarriage rate probably should not impact selection of an IVF clinic.

 

6. Confidence Interval
Statistics are a method of evaluating how well a reported value can be trusted to be   correct.

The confidence interval is stated as a range from the lowest possible to the highest possible value that may occur by chance alone. For example, if a small clinic is performing 20 cycles and reports a 40% pregnancy rate, a confidence interval, or true success rate, will range between 20% and 70%, a big difference. A clinic performing 500 cycles may report a 40% pregnancy rate but the range of possibility would be much narrower, possibly 38%42%. The bottom line is that differences of several percentage points between clinics may not prove one clinic superior to another. The difference may not be statistically significant, or occur by chance alone.

 

7. Percentage of retrievals/transfers resulting in live births 
Fewer than 5% of retrievals do not result in transfers. This may be a result of a variety of factors including the failure to obtain eggs, failure of the eggs to fertilize, or poor development of the resulting embryos. The leading cause of obtaining no eggs at aspiration is failure to properly use the hCG injection. Failure of fertilization can be related to egg quality, sperm quality, or a combination of factors. Laboratory problems have become increasingly rare as a cause of fertilization failure. Certainly, a couple evaluating the decision to proceed to IVF should consider take home baby rate (cycle start to live birth). However, in evaluating an IVF clinic, the most useful parameter is transfer rate to pregnancy rate and this statistic is not specifically given in the CDC data. The reason for this is that individual clinics vary in IVF patient selection criteria and individual patients vary in their chance of miscarriage.

 

8. Percentage of transfers resulting in singleton live births

See multiple pregnancies below.

 

9. Percentage of cancellations 
Clinics vary dramatically in their cancellation rate. Cancellation may occur for a variety of different reasons, but the vast majority in 2001 (84.4 %) was for a poor response to ovarian stimulation. About 3% of cycles were cancelled because of over stimulation. Some clinics may require one or more cycles of gonadotropin therapy before IVF.

While these stimulation cycles may have therapeutic value, they also provide a screening test that helps predict the amount of gonadotropin therapy needed in the subsequent IVF attempt, thus reducing cancellation rate. Clinics may also discourage those patients with a less good response with gonadotropin therapy from proceeding to IVF. Some clinics require five or more preovulatory size follicles before proceeding with follicle aspiration while other clinics require only two. Other clinics may move directly to IVF without prior knowledge of gonadotropin responsiveness and convert the cycle to an intrauterine insemination (IUI), which often has a reasonably good chance of success in itself, but these pregnancies are not counted as success in the CDC data. Couples probably should be more concerned with clinics having a relatively low cancellation rate because these clinics may be excluding patients before enrollment in IVF by using overly aggressive stimulation regimens.Overall, cancellation rate is not a very useful predictor of clinic success and may be more a matter of style than substance

 

10. Average number of embryos transferred/multiple gestation 
In 2001, 27.3% of all transfers involved 2 embryos; 34.5% were of 3 embryos;

20.6% were of 4 embryos, and 11 % were of 5 or more.

The number of embryos transferred represents the second most important clinic statistic after success per embryo transfer. For example:

If clinic A transfers 3 embryos with a pregnancy rate of 40% and clinic B transfers 2 embryos with a pregnancy rate of 30%, it is quite possible that clinic B represents a superior clinic. While pregnancy rate obviously is of great importance, the biggest pitfall of CDC reporting has been the focus on success rate as the ultimate objective.

 

In 2001, an entry was first made specifically indicating the percentage of singleton births. There is an additional shortcoming of the CDC data in that neither the number of patients delivering triplets or greater nor the number of selective abortions are recorded.

 

There can be no debate that the ultimate objective should be the birth of a single healthy child. It is also undeniable that even twins significantly increase the risk in a pregnancy. Whether the risk of twin pregnancy is an acceptable risk for the IVF patient has not been established. In our present environment and in keeping with the 2004 ASRM guidelines, there seems little reason to transfer over two embryos in women under age 35 and possibly in all patients. The number of embryos transferred should not exceed the number of pregnancies desired. (Also see the comments below on multiple gestations.)

 

11.  Cryopreservation 
In general, cryopreservation success has significantly improved over the last ten years. Embryos that would establish a pregnancy probably both freeze and thaw well. Birth rates after cryoprescrvation were 23% per transfer compared to 33.4% in "fresh" cycles. There is no CDC reporting of whether the freeze/thaw transfer was after successful or unsuccessful IVF cycles.

 

The upside of cryopreservation is that the cumulative pregnancy rate per patient after a single IVF attempt is greater with the costs less than in a single cycle. If fewer embryos are transferred in a fresh cycles there may be more good quality frozen embryos that remain.

 

Good quality embryos remaining for cryopreservation also indicate a higher chance of pregnancy in a fresh cycle. The down side is that surplus embryos for freezing may indicate an aggressive stimulation cycle and many couples want to limit the family or have ethical concerns about embryos in storage. Frozen embryos may allow for a second pregnancy, and/or and an additional transfer(s). It is uncommon for a single IVF cycle to result in over two total pregnancies, but they both could be multiple. Because of the relatively good cryopreservation rates, there should be less emphasis on number of fresh embryos transferred. There is no substantiation that embryos loose viability the longer they are kept in storage.

 

 

 

What's wrong with the CDC reporting?

Clinic versus individual success rates

 

 

The CDC has performed a service in promoting uniformity in success rate reporting. It is ironic that on every page it warns consumers NOT to compare clinics but in effect, comparison is clearly what occurs with the data. Couples should ensure that the success rates quoted by a clinic conform to those uniform-reporting procedures. IVF remains a competitive business with high stakes. Every clinic likes to portray itself, positively but falsifying data is paramount to consumer fraud. The clinic specific reports can help frame one's own decision-making process in terms of choosing IVF as a therapy. Certainly, the clinic should approximate the National success rate average, but in the final analysis it matters less what clinic specific success rale is than that of an individual couple predicted success within that clinic. Frank and open dialogue between patients and their clinic physician is imperative.

 

 

Promotion of multiple gestations

 While there are obvious benefits from open competition among centers, the push for high pregnancy rates has placed patients and their pregnancies at significantly higher risk.

 

The CDC reports have potentially increased competitiveness by their emphasis on pregnancy rate. Clinics may use larger amounts of fertility drugs to avoid cycle cancellation and increase the number of eggs and embryos. Pregnancy rate is directly proportional to the number of good quality embryos transferred. Pregnancy risk is proportionate to the number of gestations. Outside the U.S, the number of embryos that can be transferred is often regulated by law. The American Society for Reproductive Medicine (ASRM) has published voluntary guidelines suggesting that no more than 2 embryos are transferred in women under age 35. A glance at the CDC statistics quickly reveals that few centers are in compliance. Whenever IVF pregnancy rate is reported, the average numbers of embryos transferred must also be given. It seems unconscionable for centers with high pregnancy rates also to have a high average number of embryos transferred.

 

The high cost, lack of insurance reimbursement, and often self-pay nature of IVF therapy has been used to justify aggressive ovarian stimulation and transfer of multiple embryos to insure the greatest chance of success. Multiple pregnancy risks have been of secondary importance. Several studies have reported that some couples desire multiple births, even triplets or more. Some use selective abortion as a "safety net" to reduce higher order pregnancies to one or two gestations. In reality the financial and/or emotional cost of multiple gestations is substantial. It has been argued that the financial cost for care of multiple gestations paid by insurance companies exceeds the amount it would cost them if IVF were a completely covered expense and transfer number was limited. Insurance companies take note.

 

Implantation rate

Among embryologists, the most important marker of a successful program is the implantation rate, i.e., the number of embryos divided by the pregnancy rate. Presently this is in the range of 20%. By reporting this figure, it de-emphasizes boosting pregnancy rate by increasing the number of embryos transferred. Implantation rate is a reasonable question to ask of an IVF clinic.

 

Timeliness 
Because the data on pregnancy outcome for any given year can only be completed after the last baby is delivered from the final IVF cycle in that year, there is a long delay between the compiling and reporting of the information. IVF clinics are not aware of statistics on how their clinic compares with the national averages for as much as 3 years.

This may hamper their policymaking.

 

As this editorial is written it is toward the end of 2004 and I am using CDC statistics from 2001. Undoubtedly the national ART composite has changed. Clearly many programs have changed. There can be major program staff changes, laboratory improvement or deterioration, changes in aggressiveness of stimulation, or number of embryos transferred - all of which can affect success rate. Each clinic may have a more current report available for patients, but then in some ways we are back where we started before mandated reporting.

 

Cost 

At its inception, the law mandating clinic specific reporting was for consumer protection. The financial cost of IVF has always been high and an absolute barrier for many. If the CDC report is to be truly consumer oriented, there should also be a listing of the average cost per cycle. It would seem with two clinics (A and B) both having the same services and success rates but A charging 25% more than B --- is not B the better clinic?

Dr. Thatcher was a much loved and longtime friend and supporter of INCIID and Consumers dealing with infertility. He was also an Advisory Board Member of INCIID. His voice continues to be greatly missed.

 

 

Adoption Advocacy - National Zoo Exploits Children with Adopt-a Confusion

Dear Adoption Community

I received the following letter from the National Zoo's Deputy Director in response to the letter I sent several weeks ago. As you can see from their response, it is clear they don't "get it". I sent Mr. Schroeder a copy of the Adopt-a Confusion fact sheet as well as a letter encouraging them to stop using the adopt-a theme which I as way as many experts and researchers believe exploits children.

Please write to them and tell them adopt-a confusion is not OK and feel free to pass this on to anyone who has an interest in educating the public about respectful adoption language and the problematic programs using adopt-a confusion to raise money for their respective causes!

Thanks

Nancy

Nancy P. Hemenway
INCIID Executive Director
(703) 379-9178 (Office)
(703) 379-1593 (FAX)
http://inciid.org
INCIIDinfo@inciid.org
----------------------

Dear Ms. Hemenway:

Thank you for sharing your thoughts about our Adopt a Species program: This has been an exceptionally busy period for FONZ and I apologize for the delayed response.

Our intention in using the phrase "adopt a species" is deliberately metaphoric and symbolic, and in no way trivializes the process of building a human family through adoption. We hope to inspire people to make a lifetime commitment to cro;ing about and working toward a secure future for wild animals and the habitats they need to survive, analogous, although certainly not identical, to, the comtp.itment adoptive parents make to their children. We also hope that the financial contribution that people make to adopt a wild animal species is just one of many ways that they help to ensure the survival of wildlife, just as financial support is just one of the many ways that parents ensure the welfare of their children, adopted or not.

After receiving your email, I asked the advise of a thoughtful 21-year-old who is an adopted child. The following is from her response:
I like the phrase "adopt a species." Although you're not taking the animal home, expressing your human love for it, and nurturing it through years ofJife until you send it off to college-you can, and I've witnessed people, fall in love with an animal (in a broader sense) and devote time and money to its cause-which, in my opinion, is just as worthy of the term "adoption." As a child growing up in the environment-conscious nineties I often heard the term adopt in phrases like "adopt a whale" "adopt a highway" and "adopt an endangered species" and never once did it bother me. In fact I thoughtit was really cute and really great-,-and really liked the idea of "adopting" even a highway. I loved seeing the "adopt a highway" or "adopt a road" signs and reading which school children were taking care of it. Kids are way tougher and smarter than parents believe. They know the difference. If anything, I know similar phrases ~arked (in me and other kids dreams of actually adopting a panda and having the panda live with us for a lifetime to become a true family member-what a fantasy!

Indeed, this is the experience of just one child, but I suspect that hers is representative of that of many children. Undoubtedly, as your examples indicate, some other children may be puzzled about how their adoption is like or unlike these other "adoptions." However, we have structured our programs to avoid the suggestion that someone is literally adopting a particular individual animal or that one animal is worth more than other. Our program encourages people to adopt an entire species, emphasizing the metaphor, and attaches identical value to each of the species that people can adopt. We do not substitute a new species for adoption each year-people can and do symbolize their commitment to wildlife conservation by adopting the same species for many years. .

We agree that some adopt programs are silly, and that the "adQption" of a pothole or a light bulb in no way compares to adopting a child; in our view, neither of these compares either to adopting a species, in the sense of making a commitment to caring for the future of the animals with whom we share the planet.

Sincerely,
James M. Schroeder
Deputy Executive Director Friends of the National Zoo Washington, D.C. 20008

Friends of the National Zoo. Smithsonian's National Zoological Park, 3001 Connecticut Avenue, NW, Washington, D.C. 20008, 202 6734961. www.fonz.org

Below Please find below the National Zoo  CONTACT INFORMATION 
-------------------------------

Please politely inform the zoo staff and board members that The National Zoo has suffered so much embarrassing controversy lately, that exploitive and controversial adopt-a programs might expose the zoo to more negative attention from the adoptive professional and parenting community.
If you have time --- By far, a neatly hand written or typed letter gets much more attention than sending an email. Sending an email as a follow-up is effective, but for the greatest impact make sure to send that postal letter. Since it takes a little bit more work than just sending an email it shows that you really care about the topic if you are willing to put in the extra effort. 

Zoo Staff

Smithsonian National Zoological Park
3001 Connecticut Ave., NW
Washington, DC 20008 

Lucy Spelman, spelmanl@nzp.si.edu, Director of the Smithsonian National Zoo
Clinton A. Fields, fieldsc@nzp.si.edu, Executive Director, FONZ
Jim Schroeder, schroederj@nzp.si.edu, Deputy Executive Director, FONZ

Friends of the National Zoo (FONZ) Board of Directors 

To contact any FONZ Board Member, send an email to:board@fonz.org 

Or send postal mail to:

Friends of the National Zoo
3001 Connecticut Ave., NW
Washington, DC 20008 

Lloyd W. Howell, Jr., President of the Board of Directors 

Mark R. Handwerger, First Vice President 

Jeffrey Lande, Second Vice President 

Grace Y. Toh, Treasurer 

Nicole M. Chestang, Secretary 

Other Directors: Thomas B. Arundel, Marcie Bane, Patricia A. Bradley, Jeanne Beekhuis, Christopher Capuano, Robert V. Davis, Sheila M. Ford, Michele V. Hagans, James F. Hinchman, Richard C. Hotvedt, Bernard K. Jarvis, Alberta A. "Missy" Kelly, Robyn S. Kravit, Gloria Kreisman, Harald R. Leuba, Suzanne Mink, Sue Ruff, Edward A. Sands, Eric Douglas Weiss, and John J. Ziolkowski 

Smithsonian Institute Contact Information

Smithsonian Institute
PO Box 37012 
SI Building, Room 153, MRC 010 
Washington, D.C. 20013-7012 
info@si.edu 

Smithsonian National Zoo Board of Regents 

Regents ex officio 
Chancellor William H. Rehnquist, Chief Justice of the United States, c/o Smithsonian Institution MRC-016, P.O. Box 37012, Washington, DC 20013-7012, ph 202.479.3400 

Vice President Richard B. Cheney,vice.president@whitehouse.gov, postal addr as above or The White House 1600 Pennsylvania Ave., Washington, DC 20500, ph 202.456.1414 

Congressional Regents 
Senator Thad Cochran, senator@cochran.senate.gov,ann_copland@cochran.senate.gov, postal addr c/o Smithsonian Institute (SI) or 326 Russell Senate Office Building, Washington, DC 20510-2402, fx 202.224.9450, ph 202.224.5054 Senator 

Bill Frist, emily_reynolds@frist.senate.gov, postal addr c/o SI or 416 Russell Senate Office Building Washington, DC 20510, fx 202.228.1264, ph 202.224.3344 

Senator Patrick J. Leahy, senator_leahy@leahy.senate.gov , postal addr c/o SI or 433 Russell Senate Office Building, Washington, DC 20510, fx 202.224.3479, ph 202.224.4242 

Honorable Sam Johnson, michael.hanson@mail.house.gov , postal addr c/o SI or 1211 Longworth House Office Building, Washington, D.C. 20515, fx 202.225.1485, ph 202.225.4201 

Honorable Robert T. Matsui, jim.bonham@mail.house.gov, postal addr c/o SI or 2310 Rayburn House Office Building, Washington, DC 20515, fx 202.225.0566, ph 202.225.7163 

Honorable Ralph Regula, repregula@workinohio.org, postal addr c/o SI or 2306 Rayburn House Office Building, Washington, D.C. 20515, fx 202.225.3059, ph 202.225.3876 

Citizen Regents 
Honorable Barber B. Conable Jr., bconable@worldbank.org, P.O. Box 218, Alexander, NY 14005, fx 202.477.6391, ph 716.591.1233 

Dr. Anne d'Harnoncourt, pr@philmuseum.org, Philadelphia Museum of Art, Benjamin Franklin Parkway and 26th Street, Philadelphia, PA 19130 (or P.O.Box 7646, Philadelphia PA 19101-7646), fx 215.232.4338, ph 215.763.8100 or 215.684.7600 

Dr. Hanna H. Gray, h-gray@uchicago.edu, University of Chicago, Department of History, 1126 East 59th St., SS Box 109, Chicago IL 60637-1539, fx 773.702.4600, ph 773.702.7799 

Dr. Manuel Ibanez, manuel.ibanez@tamuk.edu, Texas A&M University-Kingsville, Dept. of Biology, P.O. Box 158, Station 1, Kingsville, Texas 78363 (or 7737 Starnberg Lake Dr., Corpus Christi TX 78413-5288), ph 361.854.5818 

Dr. Walter E. Massey, wmassey@morehouse.edu, Morehouse College, 830 Westview Drive SW, Atlanta, GA 30314, fx 404.659.6536, ph 404.681.2800 

Mr. Roger W. Sant, mcalmes@summitfdn.org, The Summit Foundation, 2099 Pennsylvania Ave. NW 10th fl, Washington, DC 20006, fx 202.912.2901, ph 202.912.2900 

Mr. Alan G. Spoon, aspoon@polarisventures.com, Polaris Venture Partners, 1000 Winter Street, Suite 3350, Waltham, MA 02451-1215, fx 781.290.0880, ph 781.290.0770 (or 7300 Loch Edin Ct, Potomac MD 20854-4835, ph 301.365.4650) 

Ms. Patty Stonesifer, media@gatesfoundation.org, Bill & Melinda Gates Foundation, PO Box 23350, Seattle, WA 98102, fx 206.709.3184, ph 206.709.3100 

Mr. Wesley S. Williams Jr., WWilliams@cov.com orwwilliams@lockhart.com, Covington & Burling, 1201 Pennsylvania Avenue NW, Washington, DC 20004-2401, fx 202.778.5628, ph 202.662.5628 (or 7706 Georgia Ave. NW, Washington DC 20090, 202.726.3631) 

Also -- for alerts please sign up for our Adoption Hit List.

Insurance Advocacy Forum

In the United States, one of the richest and most technically advanced nations on earth, millions of couples remain involuntarily childless. A conservative estimate places the number of U.S. couples that grapple with infertility annually at 5,000,000, yet less than 20% of those couples will undergo some form of definitive treatment. The high cost of infertility treatment, especially the advanced Assisted Reproductive Technologies (ART) such as In Vitro Fertilization (IVF), has resulted in reluctance on the part of most insurance companies to provide benefits for infertility and therefore, has rendered such medical intervention financially inaccessible to the general infertile population. Although a few states have enacted legislation requiring health insurance providers to offer or provide infertility benefits, such coverage is often limited, or absent altogether due to regulatory loopholes. The majority of employer groups as well as health insurance providers continue to avoid voluntarily including infertility benefits. They recognize that such benefits would spawn an increase in the demand for these specialized services. This fuels their fear of the spiraling costs that might be brought about by a disproportionate increase in the demand for expensive ART, and the costly neonatal services required to deal with the potential influx of premature babies resulting from IVF-related multiple births.

Visit the insurance Advocacy forum on INCIID

 

Ways to Support INCIID

Ways you can contribute to INCIID

 

• Donate online (http://inciid.org/donate)  with an electronic Check , Through Paypal or by a Visa, MasterCard, American Express or Discover Credit Cards
• Fax your contribution to (703) 379-1593 
• Call in your contribution (703) 379-9178

When you donate, be sure to check with your employer benefits department to see if your employer has a Matching Program. This means your tax deductible donation to INCIID is matched dollar to dollar by your employer and sent to INCIID.

 

 

Other Ways to Help Supplement INCIID

 

Food Lion Shop & Share Program
If you shop for groceries at Food Lion, you can register your MVP card in the Shop and Share Program at www.foodlion.com or by calling 1-704-633-8250 extension 3810. 
Choose INCIID as your charity of choice, and a percentage of all Food Lion purchases you make will come back to INCIID, as long as you use you registered MVP card each time you shop.

 

Give through the United Way

INCIID gets many United Way contributions throughout the year through a write in process. Check with your employer to see if your company will allow you to write in a designee for your contribution, you can write us in as follows:

INCIID, Inc
(Full Name is --- The InterNational Council on Infertility Information Dissemination, Inc.) 
PO Box 6836 Arlington, Virginia 22206

 

Amazon.com
Shop at Amazon. http://www.inciid.org/article.php?cat=treatment&id=385 
Click on any of the Amazon links throughout the INCIID Website as well as using the Amazon search engine.

 

Shop the INCIID Store Front

Purchase apparel and merchandise that helps support the INCIID mission.
Recently INCIID Volunteers put together a fund-raiser cookbook with some great recipes. 
Please visit our shop for more details.

 

American Express Membership Rewards
If you are an American Express cardholder and you would like to donate Membership Rewards points to INCIID visit http://www.americanexpress.com/give/ , and search for InterNational Council on Infertility Information Dissemination, Inc., In Arlington, Virginia. 
Follow the directions to donate. You can use this form to donate money or to contribute your membership rewards points. 
Points can help us with travel expenses etc.
INCIID is a 501 (c) 3 incorporated in the Commonwealth of Virginia

 

Insurance Coverage for Infertility Treatment

Insurance Coverage for Infertility TreatmentStudy your plan to reverse claim denials
By Pamela Prager

 

Couples who face infertility not only face the emotional pain associated with not being able to have a child, but may also face obstacles put in front of them by their health insurance and employers. The following guidelines are designed to assist couples to overcome some of these obstacles on their own.
However, every situation is different under the law, and an attorney should be contacted for assistance with specific legal problems. Should it be necessary to seek legal advice, the references listed at the end of this article will be of assistance in evaluating your case.

 

Insurance

Many insurance carriers do not provide health insurance coverage for infertility, or provide only very limited insurance coverage. If your claims for infertility treatment have been denied, take the following steps:

State Mandates
Determine whether or not you live in a state that has mandates for infertility insurance coverage. There are a handful of states that mandate insurance coverage for infertility to some extent or under certain conditions.

Your Insurance Contract
Read your insurance contract. Most people obtain their health insurance through their employer, who provides a "summary" of the health insurance plan. Although this is helpful to some extent, it is the actual contract which controls your health insurance issues. If you do not have a copy of your contract, ask your employer for a copy. Under the Employees Retirement Income Security Act (ERISA) a federal law which regulates pension and insurance benefits provided to employers to employees, your employer is required to give you a copy.
Insurance contracts are construed against the insurance carrier. Generally speaking, if the contract does not have an exclusion for infertility, the insurance company must pay benefits.
Read your contract to determine if there is a specific exclusion for infertility. If there is not an exclusion, you should have coverage. If there is an exclusion, carefully read what it excludes. Does it exclude treatments only, or does it also exclude diagnosis?
As an example, I recently represented a woman who had a laparoscopy with an incidental chromotubation because of complaints of pelvic pain. The insurance carrier denied the claim stating it was for the treatment of infertility. By taking the claim through the grievance process, eventually the insurance carrier made a determination to pay the benefits. We were able to establish that the laparoscopy was not done for infertility, but for pelvic pain. More importantly, the contract only excluded "treatment" of infertility. Since the procedure was diagnostic, the insurance carrier determined that it was required to make the payment. Thus, it is very important that you determine what is excluded and ultimately the reason the insurance carrier is denying the claim.
Your insurance carrier can only deny benefits for what it has excluded.
 

Appealing Denials of Claim

If you have read your contract and believe you should have coverage (and your insurance carrier has denied a claim or stated you do not have coverage when preauthorization is requested), write your insurance carrier and ask for identification of the specific reasons for the denial and under what provision of the contract your claim is being denied.
In the past, insurance carriers that do not have exclusions have denied claims for one of the following three reasons:

  1. Infertility is not an illness;
  2. Treatment of infertility is not medically necessary;
  3. Treatment of infertility is experimental.

 

These are invalid reasons to deny your claim. Infertility is an illness (2). Medically necessary is usually defined by insurance policies as medically required and medically appropriate for diagnosis and treatment of an illness or injury under professionally recognized standards of health care. Treatments such as GIFT, IVF, ZIFT/PROST have NOT been on the American Medical Association's experimental list since the late 1980s.

If the insurance carrier gives another reason, you should review your policy carefully and determine if the reason they give is consistent with the insurance contract.

Once the insurance carrier has identified to you the reasons for the denial of the claim, you can then present evidence to it that its reasoning is incorrect. This may include a letter from your doctor explaining the reasons for a particular procedure. You should also write a letter to the insurance carrier explaining why you believe its denial was inappropriate.

You should attempt to make all contacts with the insurance carrier through written communication. If you should need to contact them by telephone, record the call if possible. If not, take extensive notes, which should include the date and time called, who you spoke with and what was said.

 

Violation of Discrimination Laws

If it appears that the exclusion is valid under the insurance contract, it may nevertheless be invalid under Federal Discrimination Laws. These laws are currently being tested in some Courts throughout the country as to how they should be applied to persons with infertility. The law is not settled and the results may be different between jurisdictions. 
You must keep in mind that to recover under these laws you will most likely have to take legal action against your employer. This prospect is very frightening for most people in that they are afraid their employer will retaliate by terminating their employment. Although this is also illegal, there is little an attorney can do to prevent this from happening. The only remedy for such retaliation is to bring an additional claim for retaliation and ask for reinstatement or money damages. 
Although it may be possible to bring an action directly against the insurance carrier, the less riskier claim as far as likelihood of success is against your employer. In order to be covered under the discrimination laws, your insurance must be through your employer or your spouse's, and the employer must have 15 or more employees. 
The Americans With Disabilities Act (ADA), which was passed in 1991, provides that it is unlawful to discriminate against persons with disabilities. The definition of a disability includes any physiological disorder or condition of the reproductive system. The disability must affect a major life activity. The legislative history, and case law, support the proposition that procreation or reproduction is a major life activity. Therefore, it is unlawful under the ADA to treat persons with disabilities differently than other employees in terms or conditions of employment, including fringe benefits. 
Although the ADA has a specific section which protects some insurance plans, the Equal Employment Opportunity Commission (EEOC) has issued guidelines in interpreting this provision that are vary favorable to persons whose infertility insurance excludes infertility. The Guidelines provide that in order to have the protections of the insurance provision, the insurer must basically establish that it is financially impossible to include the coverage. Insurance carriers cannot establish this. Studies on the cost of infertility coverage have clearly shown that the costs are minimal, approximately $1 to $1.50 per month per family policy. 
Title VII of the Civil Rights Act provides that sex discrimination includes discrimination based on pregnancy, childbirth or related medical conditions. It has been held that infertility is a medical condition related to pregnancy. Therefore, an employer cannot treat you any differently than its other employees as far as providing insurance benefits, time off from work, etc.

 

Time Off From Work

The provisions of the ADA and the Pregnancy Discrimination Act would also protect you when you need to take time off work for treatments. Your employer must treat you the same as all other employees when making decisions as to utilization of sick leave, vacation leave, or other provisions for time off from work for medical reasons. 
In addition, under the Family Medical Leave Act, any employer that has 50 or more employees must give you time off from work for medical treatment. There are certain limitations on this requirement, and it has not been conclusively determined whether or not infertility would be a covered condition. However, there is a good probability that it would be included under the clear language of the statute. If your employer is reluctant to give you time off from work to obtain your treatments, then you should specifically tell your employer (assuming that there are more than 50 employees) that you a requesting time off pursuant to the Family Medical Leave Act, and ask your supervisor what you need to do to obtain such leave. Generally, you will be given a form to complete which will require a statement from your doctor that it is necessary for you to miss work. 
This is only a summary of some of the legal protections you may have under various federal laws. You may also have some protection under your state law. If you have any concerns, it is highly recommended that you contact an attorney in your own state. Most attorneys will provide a free initial consultation. You should try to locate an attorney that specializes in the area of employment and/or insurance law. 

Krauel vs. Iowa Methodist Medical Center:
Infertility coverage takes "beating" in ruling

On October 7, 1995, U.S. District Judge Ronald E. Longstaff ruled in favor of the employer in an Iowa case centering around infertility coverage under the Americans with Disabilities Act (ADA). Despite a string of successful settlements by the EEOC involving disability-based distinctions in health insurance, the judge ruled that discrimination in a health insurance plan does not necessarily violate the law. Peggy Mastrioanni, chief of EEOC's ADA Policy Division is quoted in the Disability Compliance Bulletin as saying, "We disagree with the ... analysis used in this case." The ruling directly contradicts EEOC guidelines, which state that if a disability-based distinction is used as a "subterfuge" to evade the act, the plan is discriminatory and therefore illegal under the ADA. Mary Jo Krauel, the plaintiff in this case, is a 41-year-old respiratory therapist who exhausted all of her financial resources pursuing this law suit. Because waiting until the case is appealed to a higher court may mean she is too old to continue treatment, a trust fund has been established in her name to cover expenses of an in vitro fertilization attempt. If you are interested in contributing, contact Pam Prager Day: (515) 288-0145 or Evening: (515)-

On June 25, 1998 the United States Supreme Court issued a ruling that reproduction is a major life activity under the ADA. This ruling effectively overrules the Kraul v. Iowa Methodist Medical Center opinion in the Eighth Circuit. Although this case was decided in the HIV context, it has strong implications for persons with infertility. Infertility meets the requirements of the ADA - i.e. a disease of the reproductive system that affects the major life activity of reproduction. Insurance policies that exclude infertility treatments are very likely to be in violation of the ADA. In addition, employers who discriminate against infertile couples by denying them time off for treatments, etc. are also violating the ADA.

 

Legal Resources

  • Americans With Disabilities Act, 42 U.S.C. S 12101 et seq. Title VII of the Civil Rights Act, 42 U.S.C. S 2000e et seq.
  • Pregnancy Discrimination Act, 42 U.S.C. 2000e(k)
  • Doe v. Kohn Nast & Graf, P.C., 862 F. Supp. 1310, 1319, (E.D. Pa. 1994)
  • Pacourek v. Inland Steel Co., 858 F. Supp. 1393 (N.D. Ill. 1994
  • McWright v. Alexander, 982 F.2d 222, 226-27 (7th Cir. 1994)

 

(1) These states are from research done by this writer in 1989. These states may have amended their statutes since that time, or additional states may now mandate insurance. See Prager,Infertility and the Unrecognized Illness in the Health Insurance Industry, 39 Drake L. Rev. 617 (1989). 

(2) See Witcraft v. Sundstrand Health & Disability Group Benefit Plan, 420 N.W.2d 785 (Iowa 1988); Egert v. Connecticut Gen. Life Ins. Co., 900 F.2d 1032 (7th Cir. 1990). 

 

Pamela Prager is an attorney with the Des Moines, Iowa law firm of Finley, Alt, Smith, Scharnberg, May & Craig, P.C. 

 

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