Connecticut has a Fertility Insurance Law. It passed in 1989 and has been amended several times.

RNE is an active member of the Fertility Access CT (FACT) Campaign, advocating for improvements to the current statute.

Summary

The Connecticut Fertility Insurance Law provides coverage for:

• Infertility diagnosis and treatment for individuals
• Medically necessary fertility preservation

Legal Definition of Infertility

The Act defines infertility as “the condition of an individual who is unable to conceive or produce conception or sustain a successful pregnancy during a one-year period or such treatment is medically necessary.”

Limits

This mandate does limit lifetime maximum coverage for ovulation induction (4 cycles), intrauterine insemination (3 cycles), and IVF, GIFT, ZIFT or low tubal ovum transfer (2 cycles). Treatment must be performed at fertility clinics that conform to the guidelines developed by the American Society of Reproductive Medicine (ASRM) and the Society of Reproductive Endocrinology and Infertility (SREI).

Exemptions

Religious employers and employers who self-insured are exempt from the Connecticut insurance mandate requirements.

For more information about the Connecticut Insurance Mandate, please consult Chapter 700c-38a-509 and BULLETIN HC-125.