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What is the nature of ACA and what is the significance of ACA insurance…
What is the nature of ACA and what is the significance of ACA insurance coverage in infertility treatment?
Affordable Care Act
Health care reform law enacted in March 2010 to make health care more affordable and accessible to Americans.
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Features
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Restrict insurers from charging higher premiums based on health status, gender, or occupation
Created state-based or federal marketplaces where individuals and small businesses could compare and purchase qualified health plans
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Mandated free coverage for recommended preventive services (e.g., screenings, vaccines).
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Connecticut specific:
Mandatory coverage for medically necessary infertility diagnosis and treatment under individual and group policies regulated by the state
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Infertility
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Insurers cannot deny coverage to someone with a history of infertility (pre-existing condition protections)
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Some diagnostics may be covered (hormone testing, imaging).
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Up to 2 IVF cycles, with a maximum of 2 embryo transfers per cycle
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