IVF Insurance Coverage in Louisiana

What the law covers

Louisiana requires insurers to cover the diagnosis and treatment of infertility, including medications and surgical procedures. However, the state law explicitly excludes IVF from the mandate. This means other fertility treatments like IUI, fertility medications, and corrective surgeries are covered, but IVF must be paid out-of-pocket unless an employer voluntarily includes it.

Key Provisions

• Covers diagnosis of infertility
• Covers treatment of medical conditions causing infertility
• Fertility medications and surgical interventions are included

Limitations & Exclusions

• IVF is explicitly excluded from the mandate
• No coverage requirement for ART procedures
• Self-pay or employer-voluntary coverage needed for IVF

Official Resources

• Louisiana Department of Insurance
• RESOLVE: Louisiana Insurance Coverage