Louisiana Law Mandating Coverage for Infertility
Louisiana law mandates that insurance carriers cover the "diagnosis and treatment of correctable medical conditions." Insurers may not deny coverage for treatment of a correctable medical condition only because the condition results in infertility. Coverage is not required for fertility drugs; in vitro fertilization or any other assisted reproductive technique.
The law does not cover reversal of tubal ligation, vasectomy reversal, or any other method of sterilization.
So what does this all mean? The law specifically excludes assisted reproductive techniques, but does not rule out care that helps you become pregnant - if the care corrects your medical condition.
Below are the leading causes of infertility in men and women. If you doctor has identified a way to treat the underlying condition, your insurance plan may be required to provide coverage.
Louisiana Short Term Disability Insurance Infertility coverage in LA is hit or miss. The mandate provides some help to a limited set of couples. No matter what your health insurance may or may not cover, remember your objective: to get pregnant, take a maternity leave to recover from delivery, and spend time at home bonding with your newborn baby. Make sure you can afford all this time away from work. Buy disability insurance to replace mom's income before getting pregnant.
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Louisiana Mandate - Applied to Male Infertility
The leading causes of male infertility are listed below. Your doctor would need to correct the underlying problem in order for the Louisiana infertility insurance law to apply:
- Impaired shape and movement of sperm
- Low sperm concentration
- Varicocele
- Undescended testicle
- Testosterone deficiency
- Infections
- Sexual issues
- Retrograde ejaculation
- Blockage of epididymis
- Misplaced urinary opening
- Cystic fibrosis
Louisiana Insurance Law - Applied to Female Infertility
Below are the leading causes of female infertility. As above, your treatment would be needed to correct the underlying condition in order for the mandate to apply.
- Fallopian tube damage or blockage
- Endometriosis
- Ovulation disorders
- Elevated prolactin
- Polycystic ovary syndrome (PCOS)
- Early menopause (premature ovarian failure)
- Uterine fibroids
- Pelvic adhesions
Louisiana Laws Regarding Surrogacy
Louisiana law holds any traditional surrogacy contract void and unenforceable as against public policy, but does not address uncompensated agreements or gestational surrogacy arrangements.
