Download Colleges and universities with infertility insurance

Re: Expanding university employee health benefits to include comprehensive infertility
treatment coverage
Below is a list of colleges and universities in the United States that include infertility
coverage in their employee health insurance as of January 1, 2017

Brown University, Rhode Island (BCBS): This plan provides coverage for medically necessary
services for the diagnosis and treatment of infertility for women. This plan covers donor
gametes if provided through a program. This plan only covers these services if you are:
unable to conceive or sustain a pregnancy during a one (1) year period and a presumably
healthy individual. Copayment is 20%

Clemson University, South Carolina (BCBS): Lifetime maximum payment of $15,000.
Included in the $15,000 maximum are diagnostic tests, prescription drugs and up to six
cycles of Intrauterine Insemination (IUI), and a maximum of three completed cycles of
zygote or gamete intrafallopian transfer (ZIFT or GIFT) or in vitro fertilization (IVF) per
lifetime. Prescription drugs for treatment of infertility are subject to a 30 percent
coinsurance payment through both the Savings Plan and the Standard Plan

Columbia University, New York (United Healthcare): Unlimited benefit for diagnosis and
basic medical treatment including artificial insemination; $30,000 lifetime maximum for
advance treatments for assisted reproductive technology including IVF, GIFT and ZIFT

Cornell University, New York (Aetna): Artificially assisted fertilization (varies depending on
plan level) 90% ($20,000 lifetime max per family); or 80% after deductible ($20,000 lifetime
max per family); or 90% after deductible ($20,000 lifetime max per family)

Duke University, North Carolina (Coventry and BCBS): Employees and their covered
spouse/partner are eligible for infertility benefits after two years of continuous service;
treatment options include discounted IVF (patient pays $4000), IVF with ICSI ($4500), and
Frozen Embryo Transfer ($800); employees pay 50% of the cost of infertility medications
purchased at in-network pharmacies

Johns Hopkins, Maryland (CareFirst BCBS, EHP, Kaiser Permanente, BlueChoice): Fertility
testing covered 80% after deductible; artificial insemination: 80% covered after deductible;
limited to 6 approved attempts per live birth. In vitro fertilization: 80% covered after
deductible, limited to 3 approved attempts per live birth and $100,000 lifetime maximum

Massachusetts Institute of Technology (BlueCross): all services covered; lifetime max of
$15000 not including medications

Marymount, Virginia (CareFirst BCBS): Artificial and IUI limited to six attempts per live birth;
$35 per visit

Northwestern University, Illinois (BlueCross BlueShield): Benefits are provided the same as
benefits for any other condition for Covered Services rendered in connection with the
diagnosis and/or treatment of infertility, including, but not limited to, in-vitro fertilization,
uterine embryo lavage, embryo transfer, artificial insemination, gamete intrafallopian tube
transfer, zygote intrafallopian transfer, low tubal ovum transfer and intracytoplasmic sperm
injection

Ohio State University: In order to receive benefits for infertility treatment, an obstetrician
or gynecologist (OB/GYN) must diagnose the infertility. In addition, coverage is limited to
you and your spouse or same-sex domestic partner. All infertility treatments are subject to
a separate annual deductible. There is a separate lifetime maximum for infertility services of
$15,000 and plan will cover eligible services at 50% after a $1000 deductible is met. Any
prescription medications included in this treatment are applied to the lifetime maximum.
Expenses for infertility treatment do not apply toward the annual out-of-pocket maximum.
All infertility treatments are subject to OSU Health Plan guidelines as outlined in the
Schedule of Benefits section for your medical plan. Requires prior authorization1 and
specific exclusions apply

Penn State University (High Mark Blue Shield): 90% covered after deductible for infertility
counseling, testing and treatment for in-network and 70% covered for out of network

Rockefeller University, New York (Oxford Freedom): Lifetime maximum of $10,000; all
services covered; pre-approval required; separate coverage for medications, basic
treatment, and advanced treatment, so meds and IUIs did not come out of the $10,000 cap
for advanced treatment (IVF)

Rutgers University, New Jersey (Aetna): infertility services are covered; pre-approval
required

Stanford University, California (Aetna): coverage for IUIs

University of California (HealthNet): Diagnosis, evaluation and treatment of infertility;
artificial insemination; and prescription drugs

University of Iowa (Wellmark): $25,000 lifetime maximum, Level 2: 30% coinsurance

University of Maryland (United Healthcare): (Varies with plan level) IVF and artificial
insemination benefits are limited to 3 attempts of artificial insemination, and 3 attempts of
IVF per live birth. Not covered following reversal of elective sterilization

University of Michigan (BlueCross): Coverage for testing; no coverage for intrauterine
inseminations (IUIs), but coverage for ultrasound monitoring during IUIs; coverage for IVF is
80% up to 20k lifetime benefit, but injectable medications are covered under separate
medication benefit; university offers a 40% discount for all non-covered services (i.e., IUIs,
medications)

University of Minnesota (Medica): Covered service

University of Virginia (Aetna): $15,000 lifetime maximum

Yale University (Connecticut): $20,000 University Lifetime maximum; pre-authorization
required