Montana Infertility Mandate
Montana Law Mandating Infertility Coverage
The Montana infertility health insurance law mandates that Health Maintenance Organizations (HMO) provide coverage for diagnosis and treatment of infertility. But the law has limitations, and not all residents and workers are covered. Discover what is covered, who the law applies to, and how to cut costs for IVF and other infertility treatments.
Be sure to consider all three.
Montana Infertility Mandate - What Procedures are Covered?
The Montana infertility insurance law stipulates that Health Maintenance Organizations (HMO) must provide “basic health care services”. The law goes on to clarify what is meant by this language. Some definitions of note for couples trying to conceive include:
This language begs the question: “What exactly is a preventive infertility service?” The Montana law does not explain. If you are a member of an HMO the best option is to read your health plan summary of benefits, and call your insurance company to clarify what procedures are covered, and for how much.
Montana Infertility Insurance - Who Is Covered
Not every Montana worker or resident is covered by the mandate. Even if you are enrolled in an HMO if the plan was issued out of state the mandate may not apply. The law can only be enforced when Montana has jurisdiction to regulate, and most group health plan are regulated by the In Situs State - usually your employer’s headquarter state. Most states have no laws regarding infertility services.