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Texas Infertility & IVF Insurance CoverageTexas state law mandates the group health insurance plans that provide pregnancy related benefits must offer coverage for expenses that arise out of In Vitro Fertilization (IVF). Benefits must be provided to the same extent as any pregnancy related procedures under the plan.
So what does this mean for TX couples trying to conceive? It depends upon your situation. Read below for further details, and coping strategies for:
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Bed Rest DisabilityOur fertility specialist said my high-risk pregnancy might require 6 months of bed rest. Thanks to our short term disability policy, we can afford our growing family.
Texas IVF Insurance CoverageThe Texas IVF Insurance law defines who is eligible for coverage as: • You must be the policyholder or spouse of the policyholder The Texas law does not require employers that are religious organizations to offer coverage for treatment that conflict with the organization's religious values. Self insured employers are exempt from the Texas infertility insurance law.
Texas Infertility Insurance Mandate - What it Means to You?Texas infertility health insurance laws address IVF specifically and require that your try other less costly procedures for at least five years. Since the law does not mandate coverage for these other procedures, it is unlikely that your health plan will cover them. Also Infertility health insurance mandates raise the costs of insurance for all plan participants. Insurers competing for business are unlikely to include the coverage unless specifically requested by an employer. Employers looking to cut cost are unlikely to make the option available unless the employee population demands the option. So what do you do? Discover three ways to cut your infertility costs for a variety of treatments: find coverage from employers based in mandate states with better laws, let the IRS cut infertility costs by 1/3 or more, and purchase supplemental maternity insurance before getting pregnant.
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