[amybeth]

Originally Posted by Charloto

Yes, in Texas it must be offered but the employer does not have to purchase it.

We recently found this out with my husbands company. Called to see if we would be covered only to find out that they were offered it but declined to purchase it.
I was (still am) so furious about this. It just doesn't seem fair. I don't understand why they couldn't just offer it to each person individually. It's not right that the company gets to decide the fate of it's employers.

I couldn't agree with you more. I'm in a similar situation here in Illinois. My company is based out of a different state where infertility coverage isn't required and they are also considered self-insured, so that's how they are getting around it. They chose not to cover infertility coverage at all, because it would have driven up premiums. They consider their compromise with this to be that they do cover diagnosis procedures and anything needed to correct whatever was diagnosed, however once you actually start a cycle for IUI or IVF, they are done with you and you are self-pay at that time. Unfortunately, our company never polled their employees to see if people would be willing to pay the higher premiums to have this coverage. Not that I would wish this on anyone, but all it would take I'm sure, is for whoever it is that makes the insurance decisions to be personally impacted by infertility and then I'm sure it would be a different story!