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Does an educator have any infertility insurance coverage?

Updated: 8/18/2019
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13y ago

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An educator is not any more likely to have infertility insurance coverage than any other worker. To understand why you have to look at state infertility insurance mandates. Typically most insurance plans will not cover infertility treatments unless forced to do so by law.

Fourteen states have an infertility coverage mandate, but each state has varying rules and exceptions. The most common element is a rule that applies the mandate to employers with more than 50 employees. Most public school districts, colleges and universities employ more the 50 workers and may therefore be subject to the mandate.

Thirty six states have no mandate, and since most educational institutions do not employ workers from multiple states they are subject to state laws from their home states. On the other hand, a private employer headquartered in a mandate state may export their infertility coverage to workers in non-mandated states.

Your best bet is to understand your state's infertility insurance laws, and check with your employer and insurer before starting your infertility treatments.

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