Does Louisiana require IVF coverage?

Coverage Details

Louisiana has no general infertility diagnosis or treatment mandate. RS 22:1036 is an anti-exclusion rule, not a diagnosis mandate: it prevents insurers from excluding coverage for a correctable medical condition merely because that condition results in infertility, where the condition would otherwise be covered. The state's affirmative mandate is preservation only and cancer-only: RS 22:1036.1 requires coverage of standard fertility preservation services for cancer-related iatrogenic infertility, excluding self-insured and religious employers. Medicaid context - Covered: Education on fertility regulation; Not Covered: Fertility drugs; Benefits vary between Medicaid managed care plans. State mandates vary by market and plan type and generally do not control self-funded employer plans.

Coverage Summary

How to Verify Your Coverage

1. Ask your employer or plan administrator whether the plan is fully insured or self-funded.
2. Request the plan document for infertility diagnosis, treatment, fertility preservation, medication, and laboratory benefits.
3. Confirm prior authorization, network, age, diagnosis, cycle, and lifetime-limit requirements with the insurer.
4. Ask the clinic billing team to verify both the clinic and laboratory providers for the services you expect to use.

Clinics publishing insurance or employer-benefit information

These Louisiana clinic profiles name at least one insurer or employer fertility-benefit program in a reviewed source. Inclusion does not guarantee that your plan, treatment, physician, or laboratory is covered.