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Mandate to CoverSince 1987
IVF Insurance Coverage in Arkansas
Arkansas mandates that insurers cover IVF for patients who meet specific medical criteria, including a history of infertility.
What the law covers
Arkansas was one of the early states to adopt an IVF insurance mandate. The law requires health insurers that cover maternity benefits to also cover IVF. However, the mandate applies only to group health plans with 25+ employees, and there are lifetime maximums on coverage.
Key Provisions
- Covers IVF when other treatments have failed or are medically inappropriate
- Applies to group health plans providing maternity benefits
- Patient must have a 2-year history of infertility
Limitations & Exclusions
- Lifetime maximum of $15,000 for IVF coverage
- Does not apply to individual plans or small employers (under 25 employees)
- Eggs must be fertilized with the spouse's sperm
- HMOs are exempt from the mandate