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Mandate to CoverSince 2005
IVF Insurance Coverage in Connecticut
Connecticut mandates insurance coverage for medically necessary infertility treatments, including IVF.
What the law covers
Connecticut has required insurers to cover infertility diagnosis and treatment since 2005. The law applies to all group and individual health insurance policies that provide pregnancy-related benefits. Connecticut's mandate is considered comprehensive and has been expanded over the years to include more inclusive provisions.
Key Provisions
- Covers diagnosis and treatment of infertility, including IVF
- Applies to group and individual health plans
- Coverage for fertility preservation when a medical treatment may cause iatrogenic infertility
Limitations & Exclusions
- Maximum of 2 IVF cycles for patients under 40
- Religious employers may be exempt
- Specific medical criteria must be documented