Does anyone know any insurance companies that covers infertility?

It is not as simple as saying that Blue Cross / Blue Shield does . . . there are different versions and policies and every state has slightly different regulations on what must be covered. BC/BS in Massachusetts is not the same as BC/BS in Illinois etc . . .

It is not about just the insurance company - it also depends on the state that you live in, where your employer is located etc . . . Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage:

http://www.resolve.org/site/PageServer?p...

Be warned - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, surrogacy is not covered and you must meet their qualifications for infertility.

I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me:

http://www.fertilitylifelines.com/

Capital One also offers health care loans for fertility treatments - I have a few friends who used them without issue:

http://www.capitalonehealthcarefinance.c...

From going through this personally, I have also found that most fertility clinics have someone on staff who specializes in navigating the insurance, paperwork and finding ways to help you pay including clinical studies and payment plans.

Hope this helps!

Many of them do- it depends on which plan you are on, and what coverage you are paying for.

I have Blue Cross, and so far everything I've had has been covered.

I have blue cross and so far everything has been covered!!