Connecticut recently became the 15th state to require insurers to offer some type of infertility coverage. But Connecticut's program is the most limited enacted by any state so far. Federal laws do not require infertility treatments.
Connecticut's law, which took effect Oct. 1, says health insurers must provide coverage for women 40 years old and younger. Most states don't set age limits, but New York ends coverage at age 44 and New Jersey at age 46. At least one infertility organization is pushing for more states to mandate such coverage.
Note: The 15 states requiring health insurance policies to include some form of infertility treatment are: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia.