Louisiana Infertility Insurance Mandate

There are 5 states that currently have infertility insurance mandates in place that require insurance plans to offer coverage for fertility treatments or IVF costs, or to actually provide that coverage. The state of Louisiana has a fertility treatment insurance law in place that requires coverage for conditions that result in infertility.

Louisiana law on infertility insurance can be found in Chapter 22:1036 of the Louisiana Insurance Code, which became effective in 2009. According to this law, health insurance plans cannot exclude coverage for the diagnosis and treatment of a correctable medical condition, solely because that condition results in infertility.

The Louisiana fertility treatment insurance law states that insurance plans cannot exclude coverage for correctable medical conditions that result in infertility, but it also provides a substantial list of fertility treatments or procedures that are not required to be covered.

The following fertility treatments and procedures are not required to be covered under Louisiana insurance law:

• Fertility drugs
• In vitro fertilization (IVF) or any other assisted reproduction procedures
• Reversals for tubal ligations, vasectomies, or any other method of sterilization