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Connecticut State Infertility Mandate

What is the Connecticut State Infertility Mandate?

In 2005, the state of Connecticut passed a bill that enacted breakthrough legislation requiring most insurance companies to cover infertility diagnosis and treatment.

On August 13, 2015 the bill was changed to clarify and restrict discrimination in benefits based on age. The Insurance Department reviewed the previous age limit and determined infertility treatment was clinically effective for ages above 40. As of January 01, 2016 insurance carriers are required to remove the age limit on infertility benefits and policies.     

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What does the Connecticut State Mandate cover?

This mandate requires insurers to cover:
  • Up to 4 cycles of ovulation induction
  • A maximum of 3 intrauterine insemination (IUI) cycles
  • Up to 2 in vitro fertilization (IVF) cycles with a maximum of 2 embryos transferred per cycle

Note: The law does not apply to employees in self-insured plans. Employers may also decline to cover this benefit if the diagnosis and treatment of infertility conflicts with the organization’s religious or moral beliefs.

For full details about the Connecticut Insurance Mandate for infertility treatment and procedures, read Bulletin HC-104.


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Illume Fertility can help.

Our team of eight board-certified reproductive endocrinologists and comprehensive support staff are ready to help you create the family of your dreams. Take the first step by scheduling your consult today to learn how Illume Fertility can help you achieve your goals.

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