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Old 10-24-2018, 12:03 PM
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Default Infertility states/bases?

Which bases mandate infertility treatments such as IVF? I've read about IL and NJ laws requiring insurance coverage, but I'm pretty much assuming there are some exemptions in the law that allow the employer to be cheap. Basically, where should I reside if I'm planning to do IVF?
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Old 10-24-2018, 12:44 PM
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It seems like you'd have instant success with this question on Google.

I didn't even know there were laws for this sort of thing. Several of my buddies paid ridiculous money for IVF. Most were successful at least.

Good luck.
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Old 10-24-2018, 12:51 PM
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Originally Posted by fadec View Post
Which bases mandate infertility treatments such as IVF? I've read about IL and NJ laws requiring insurance coverage, but I'm pretty much assuming there are some exemptions in the law that allow the employer to be cheap. Basically, where should I reside if I'm planning to do IVF?
Not sure it works that way. Living in a state requiring such coverage doesn't necessarily mean you'll get it if the airline company you work for is based somewhere else.

It's sort of like all the people who commute to LAX who don't have to pay California income tax since it isn't really their state of residence and they do the majority of their flying out of the state.

I think you are going to have to look at the insurance coverage options actually offered by the company you are working for per the union contract.
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Old 10-24-2018, 01:21 PM
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Originally Posted by Excargodog View Post
Not sure it works that way. Living in a state requiring such coverage doesn't necessarily mean you'll get it if the airline company you work for is based somewhere else.
Sadly this is true, I lived and was based in NY (where IVF coverage is required) but since my airline is not headquartered there they didn't have to pay. Health coverage is controlled by what state the company is based, not where you are.

Now, when I need to take FMLA, that's controlled where you work... So I get to benefit from the new NY rules.

Confusing and dumb, but... that being said, we ended paying out of pocket. And we're currently prego with our first. Good luck!
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Old 10-24-2018, 01:43 PM
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I can't answer this question with Google. Accolade can only discuss my current plan in my current residence, which has no fertility mandate. I need the scoop from people who actually work for United now, live in states such as NJ or IL, and have explored treatment options with their insurance.
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Old 10-24-2018, 03:08 PM
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Originally Posted by iceraide View Post

Confusing and dumb, but... that being said, we ended paying out of pocket. And we're currently prego with our first. Good luck!
Good luck to the two of you and the little one(s).
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Old 10-24-2018, 05:18 PM
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Maryland is a state where you will be covered for up to 3 IVF cycles IF you select the Aetna Select HMO plan. At least last year it was. Probably the same this year.
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Old 10-24-2018, 05:22 PM
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Aetna Select Mid-Atlantic: Covers diagnosis & treatment of underlying cause only. For MD [Maryland], 3 Attempts per live birth for IVF with max benefit of $100,000 per lifetime.
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