Fertility Preservation Treatment Covered Benefit Under Insurance

Fertility Preservation Treatment Covered Benefit Under Insurance

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Joshua Goodrich, J​.​D., LL​.​M. started this petition to Governor Gretchen Whitmer

Under Michigan Law, health plans are not required to provide Fertility Preservation treatment to covered beneficiaries when they undergo treatment that will or can jeopardize their fertility. There are currently 6 states that require fertility preservation for cancer patients. California, Colorado, Connecticut, Delaware, Illinois, Maryland, New Hampshire, New Jersey, New York, and Rhode Island. There are 17 states that provide some level of infertility mandate.  Michigan is not one of them. 

One example is women who may lose their fertility due to breast cancer which requires them to undergo chemotherapy.  

Assisted Reproductive Technology or IVF has been around since 1978 and in that 40 year period, it is estimated that 8 million babies have been born.  Yet IVF is out of reach of most women, men, and couples.  The average cost per cycle of IVF is $14,000.  

The ability to have a child with proven well established medical science should be a covered benefit for anyone that needs it. At minimum Michigan, should require partial benefits for fertility preservation as a preventive treatment for any person that wants to save their ability to have children before undergoing medical treatment that can damage fertility.

So we call on the Governor and legislatures to pass legislation to make Michigan health insurance policy mandate at least 50% coverage for fertility preservation services.

In the Michigan Action Plan for Infertility and Assisted Reproductive Technology (ART) From February 2018 the Michigan Department of Health and Human Services. The report found that states that provide insurance coverage for ART/IVF have an increased number of providers. 

" many insurance companies and employers in Michigan do not cover infertility treatment or only offer limited coverage. Consequently, many people may
not seek care for their infertility and those that do may pay large out-of-pocket expenses. This contributes to disparities in access to care and may lead patients to undergo procedures that may minimize their costs (e.g., use fertility drugs or transfer multiple embryos in one cycle), but increase health risks. "

" Thus, many people may not seek treatment for their infertility. In Michigan, close to 40 percent (38.8 percent) of those who report ever having experienced infertility noted that they did not receive treatment.  Those that do seek treatment often incur significant out-of-pocket expenses. This, in turn, may lead to use of less effective, but lower cost treatment methods."
 

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