IVF Insurance Coverage in Delaware

What the law covers

Delaware requires individual and group health insurance plans to cover the diagnosis and treatment of infertility, including IVF. The mandate has been updated to ensure broader access to fertility care and reduce discriminatory practices in coverage eligibility.

Key Provisions

• Covers IVF and other assisted reproductive technologies
• Applies to individual and group policies
• Infertility defined as inability to conceive after 12 months (or 6 months for patients 35+)

Limitations & Exclusions

• Lifetime maximum may apply
• Plans must be issued or renewed in Delaware
• Self-insured plans are exempt

Official Resources

• Delaware Department of Insurance
• RESOLVE: Delaware Insurance Coverage