Mandating coverage for
The story opens with the usual human interest story: a 27-year-old nurse complains, after suffering four miscarriages and her husband divorcing her, that “‘I decided I am going to be a mom, whether I am on my own or whether I had a partner by my side.’” Since “wishin’ don’t make it so”—especially when it comes to parenthood—not having that partner could pose a problem, though nothing a little withdrawal from the sperm bank can’t solve.
The bigger problem, though, seemed to be costs: a single round of IVF costs ,000-,000, and “her health insurance, through the California exchange” doesn’t pay for it.
In a study published in the December 2016 issue of the journal Obstetrics & Gynecology, researchers at Duke Health found that fewer multiple births seem to occur in states where health insurance companies are required to cover the costs of IVF treatments.
“IVF is very expensive and so patients who don’t have insurance coverage and are paying out of pocket have a large incentive to try and minimize the number of treatment cycles they endure to try and have a baby,” said study author Jennifer Eaton, M.
This bulletin highlights recent changes to Massachusetts laws under Chapter 27 of the Acts of 2009 (the "Act") regarding mandated coverage for early intervention services for dependent children. Carriers should submit revised contracts, policies, certificates and evidences of coverage, or relevant riders, endorsements, or amendments that would be attached to existing documents regarding benefit changes as soon as possible.
-- One cycle of in vitro fertilization (IVF) in the United States can cost more than ,000, leading many women to have several embryos implanted at once to improve their chances of getting pregnant on the first try.
Data were included for patients between the ages of 20 and 42 undergoing their first IVF cycle in their state of residence and using their own eggs.
Researchers found that patients in states with mandated IVF coverage had fewer embryos implanted per cycle and were more than twice as likely to have elective single embryo transfer -- a practice recommended by SART when appropriate.
See Division of Insurance Bulletins 2008--19 for form filing and fee information.
If you have any questions regarding this bulletin or the filing of materials, please call Nancy Schwartz at (617) 521-7347.
The New York State Department of Labor (NYS DOL) enforces this law. Here, “overtime” means work hours over and above the predetermined and regularly scheduled work hours a nurse has agreed to work.