Let’s talk fertilityinsurance coverage
Understanding insurance coverage can be huge. Figuring out what’s covered and what’s not can get confusing and frustrating, and can impact your fertility plan. That’s why we’re here to help.
Understanding insurance coverage can be huge. Figuring out what’s covered and what’s not can get confusing and frustrating, and can impact your fertility plan. That’s why we’re here to help.
The state in which you or your partner works can make all the difference when it comes to covering fertility treatments. If your state mandates fertility coverage, that means some or all insurance providers are required to offer insurance benefits for fertility treatments.As of 2021, 19 states have fertility insurance coverage laws.
*Required by HMO only; other insurers are exempt.
Mandate to cover means that some or all insurance plans have to cover certain
Mandate to offer means that while insurance providers have to offer certain testing and treatment services, employers can decide which of those benefits, if any, to offer to people covered by their plan.
Great question! Generally, the state where your employer is located determines whether or not the state mandate applies to your employer-provided health insurance plan.
This can make a big difference in the coverage you can get. Most people are covered by group insurance policies, which can be public or private. However, some types of insurance are exempt from state mandates. Let’s break this down.
Public insurance includes government programs like Veterans Administration for people who’ve served in the armed forces and TRICARE, which covers current military personnel and their families.
There are no federal mandates that require public insurance to cover infertility. You should talk to your benefits provider to find out what services are covered for you.
Private insurance includes commercial insurance companies, like Aetna® and Cigna®, among others; nonprofit insurance companies, like Blue Cross®/Blue Shield®; and self-insuring groups, like employers who pay benefit claims directly instead of using an external insurance provider.
Self-insuring businesses are exempt from state mandates to provide or offer coverage. So, if your employer is self-insured, you should check with your HR representative or benefits manager to find out what’s covered for you.
Insurance can be complicated, we totally get it. So, we put together a list of terms and phrases we think may help.
Check it out >
For more information around insurance coverage, check out RESOLVE.org >
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ELIGIBILITY: Talk About Trying Contest (the “Contest”) is open only to legal residents of the fifty (50) United States (including the District of Columbia), who are at least eighteen (18) years of age at the time of entry (the “Entrants”). Employees, officers and representatives, consultants, or agents of Ferring Pharmaceuticals Inc. (the “Sponsor”), Tonic Life Communications (the “Administrator”), and their respective affiliated companies, as well as the immediate family (spouse, parents, siblings, and children) and household members of each such employee (collectively, the “Promotion Entities”), are not eligible. Additionally, healthcare professionals are not eligible to enter. The Contest is subject to all federal, state, municipal, provincial, territorial, and local laws and regulations. Void in Puerto Rico, Quebec, outside the United States, and wherever else prohibited or restricted by law.
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HOW TO ENTER: Entrants may enter for the Contest beginning on April 20, 2018 but no later than the official end date of 11:59 PM, Pacific Time on May 11, 2018 (the “Promotion Period”). The Sponsor’s database computer is the official time-keeping device for the Contest. Eligible Entrants can enter the Contest through:
1. Sponsor's Websites: Go to www.myfertilitynav.com/contest and follow the links and instructions for entry. After you have fully completed the entry form and submitted the required information, you will automatically receive one (1) entry for the Contest. The entry must fulfill all Contest requirements, as specified, to be eligible to win the prize. Entries that are incomplete, incoherent or do not adhere to the Contest rules or specifications may be disqualified at the sole discretion of the Sponsor. You may enter only once. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules.
Multiple participants are not permitted to share the same email address. Any attempt by a participant to obtain more than the stated number of entries by using multiple/different email addresses, identities, registrations and logins, or any other methods will void that participant's entries and that participant may be disqualified. Use of any automated, robotic, or third party system to participate is prohibited, and will result in disqualification.
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WINNER AND NOTIFICATION: The potential Winner will be selected by a committee of judges comprised of two individuals working at Tonic, two individuals working at Ferring Pharmaceuticals and two individuals working at RESOLVE from among all eligible entries received by the Administrator. Decisions are final and binding. The winner will be selected on or about June 18, 2018. The Winner will be contacted by telephone, email, and/or USPS mail. Sponsor shall have no liability for Winner’s failure to receive notice due to spam, junk email or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If Winner cannot be contacted, is ineligible, fails to claim the prize within (7) days from the time award notification was sent, or fails to timely return a completed and executed Affidavit of Eligibility, Liability & Publicity Release as required, the prize may be forfeited and an alternate Winner selected.
PRIZE: There will be one (1) Prize awarded following the conclusion of the Promotion Period. The Prize Winner, upon confirmation of eligibility, will receive a 2-night vacation package to Miraval Arizona Resort & Spa in Tucson, AZ. Winner will choose preferred weekend from three possible travel dates: October 5-7, October 26-28 or November 9-11, 2018. Prize includes one room (double occupancy), meals, airfare, ground transportation and a spa credit. If winner is unable to redeem the Prize within the time period required, the Prize will be forfeited. All expenses and incidental travel costs not expressly stated in the package description above, including but not limited to; personal charges at lodging, telecommunication charges, security fees, taxes, or other expenses or incidentals are the responsibility solely of winner. Winner's companion must be eighteen (18) years old as of the date of departure and must travel on the same itinerary as the winner. Winner's companion must also execute li ability/publicity releases prior to travel. Restrictions, conditions and limitations may apply. The Approximate Retail Value ("ARV") of this prize trip is: $7,500 USD. No substitution, assignment or transfer of the prize is permitted, except by Sponsor, who reserves the right to substitute the prize or prize component with another of comparable or greater value. Winner is responsible for all taxes and fees associated with prize receipt and/or use.
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The winner will win an all-inclusive getaway for two to Miraval Arizona Resort & Spa, Tucson, including:
2-night hotel stay
Retreat to the Miraval Arizona Resort and Spa in Tucson, Arizona, where the sun shines 350 days a year and nurturing specialists curate mindful experiences to live life in balance and at your best. If selected, you and your partner will have the opportunity to select one of three weekends (October 5-7, October 26-28 or November 9-11, 2018) to enjoy an all-expenses paid two-night stay in a Sunrise King Bedroom featuring indoor & outdoor showers, a roman soaking tub, floor to ceiling windows and private outdoor patio facing the Catalina Mountains. You will have access to all Miraval has to offer including couples spa services, unlimited meals, snacks and nonalcoholic beverages, a bottle of wine with dinners, nightly resort credits , a personal wellness consultant and unlimited access to more than 120 wellness activities including daily yoga, meditation, lectures, hiking, mountain biking and fitness classes. Round-trip flights and ground transportation are also included in this relaxing getaway for two!
Entering the #TalkAboutTrying Story Contest is easy. By May 11, 2018, complete the following:
The story portion of the contest is your opportunity to make your submission stand out. We encourage you to share your personal challenges and triumphs with fertility as well as words of advice or support for other women and couples who may currently be navigating fertility obstacles of their own.
Stories must meet the following requirements:
About the Judging Process
After the submission deadline of May 11, 2018, the judging process will happen in two steps:
The winner of the contest will be announced on the My Fertility Navigator Facebook page the week of June 25, 2018.