There are just 15 states that have infertility insurance mandates in place, which are laws that require insurance plans to either offer coverage or provide coverage for fertility treatments or IVF costs. Montana is one of the states that has an mandate for fertility treatment coverage, though it is required only under limited conditions.
Montana’s fertility treatment insurance coverage law, which was enacted in 1987, is found under Section 33-31-102 of the Montana Code Annotated. Under this law, health maintenance organizations (HMOs) are required to provide coverage for “infertility services.” As defined by this law, infertility services are listed under the “basic health care services” that must be covered.
However, the Montana Code Annotated does not provide any further clarification of infertility services, including what fertility treatments, fertility drugs, or fertility procedures are required to be covered. The Montana infertility insurance law also does not clarify whether IVF costs are included under “infertility services.”
It is important to recognize that Montana only requires that HMOs offer coverage for these “infertility services.” According to Section 33-22-1521, the law specifically exempts health insurers other than HMOs from the infertility services requirement. In fact, other insurers are explicitly exempt from providing coverage for reversal of sterilization, artificial insemination, or treatment for infertility. Like in the HMO section, there is no further definition of these fertility treatments
Family Act of 2011, S 965 introduced in the U.S. Senate
Legislation will remove financial barriers for infertility treatments
RESOLVE: The National Infertility Association applauds Senator Kirsten Gillibrand (NY) for introducing a bill in the U.S. Senate that would provide eligible taxpayers a tax credit for the out-of-pocket expenses incurred with infertility medical treatment.
Appropriately named the “Family Act of 2011,” the bill, S 965, would apply to expenses related to in vitro fertilization and treatments to preserve fertility for cancer patients.
The Bill was introduced just days after RESOLVE’s successful Advocacy Day in Washington, D.C. Advocates from across the country met with their Members of Congress to advocate for the tax credit. Enthusiasm was very strong for the tax credit among the Advocates, who see the need for immediate financial relief for infertility patients.
What YOU can do:
Now that it is introduced, S 965 needs co-sponsors in the U.S. Senate. We need EVERYONE who is facing infertility (and their friends and family) to contact their two U.S. Senators.
1. Contact your two Senators right now. It takes 3 minutes through RESOLVE’s Action Alert System. PLEASE review the online letter and personalize it with your story. Personal content is far more impactful than a form letter.
2. Ask your friends and family to send letters too! Forward this link so they can take action today. http://www.resolve.org/taxcredit
3. Share the information about the tax credit on your Blog or Facebook page!