[wantabub]

DH just got a job in MD and we though we would finally be able to start IVF but he has no fertility coverage? MD is supposed to be one of the states that have mandated fertility coverage, so what's the deal?

[lisa_kev]

State Mandated Infertility Treatments means that a state requires an insurance company to cover infertility treatments if you meet the guidlines (by state) that prove you are infertile. However, if the place you or your spouse work "self insures" they are not required to provide you with infertility treatments (or any treatments that are state mandated).

My DH's insurance does offer some fertility coverage. Diagnosis & treatments & a 50% co-pay, however once we were diagnosed and went forward we learned that we would be rejected because of using another source other than my husband to get pregnant. We have no choice than to use donor sperm to conceive. We sent several appeals and each one was supported by the law of Maryland. We feel it's discrimination, but there's no fighting it. We just wanted to move forward.

We're paying 100% out of pocket now for treatments.