Dangers Associated with No Insurance Coverage
- Without a mandate none of the medical costs related to infertility are covered, including office visits and diagnosis.
- Without insurance coverage, couples make medical decisions based primarily on financial considerations rather than medical necessity, which often result in multiple births and a high rate of complications during and post-pregnancy.(Jain, et al., New England Journal of Medicine).
Insurance Premiums Do NOT Increase
- Comprehensive infertility coverage may actually reduce premium expense by as much as $1 per member/ per month. Mercer, et al. found unnecessary procedures such as tubal surgery could be eliminated and improved quality controls could reduce higher order multiple births and their accompanying costs.(1)
- The cost of infertility services as a percent of the total health care premiums went down after the 1987 Massachusetts mandate, with total infertility costs making up only 0.41% of the premium.(2)
- 900 companies were surveyed in a 2006 employer survey conducted by consulting firm William M. Mercer. Of those that offered infertility coverage, 91% said they had NO INCREASE in healthcare costs as a result of adding this benefit.(3)
- A ‘Comprehensive Review of Mandated Benefits in Massachusetts’ reported in July 2008 that primary state mandates, including infertility coverage, appeared to be cost effective.(4)
- Study by Richard E. Blackwell and the Mercer Actuarial Team (American Journal of Obstetrics and Gynecology, Vol. 182, No. 4, April 2000).
- Study by Griffin & Panak (Griffin, Martha and Panak, William F, Ph.D. “The Economic Cost of Infertility-Related Services: An Examination of the Massachusetts Infertility Insurance Mandate.” Fertility and Sterility 1998:70:22-29.)
- Mercer Survey
- Bachman, S., et al. (2008) Comprehensive Review of Mandated Benefits in Massachusetts: Report to the Legislature.