Even though New Jersey is one of the 15 states that has passed a mandate with regards to infertility insurance, it does not mean your in-vitro fertilization (IVF) is automatically covered.
If you do not live in a mandated state, your plan may cover certain aspects of your fertility treatment, such as the initial diagnosis of infertility. Navigating the insurance maze is stressful, so find out what your plan covers before you get started. Here are some helpful questions to ask your insurance provider:
Insurance plans can vary greatly in what they cover and what they require for that coverage. RMANJ participates with several leading insurance plans including: Aetna, Amerihealth, Cigna, Horizon Blue Cross Blue Shield, Oxford Health Plan, United Health Care and Great West. Here are a few key points for insurance coverage by major plans to help you manage expectation of coverage. All information provided is for informational purposes only and is not a commitment of coverage.
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