States mandating infertility insurance coverage
Infertility treatment is listed on the following chart as adding 3 to 5 percent to the estimated annual cost of family coverage.Pennsylvania has already enacted 6 of the 12 most common mandates." The Pennsylvania Chamber of Business and Industry notes that Insurance Department figures from 1996 show that Pennsylvania employers pay over $10 billion in health care premiums annually.
Proponents argue that not including comprehensive infertility benefits is a matter of discrimination against infertility patients.Every 1% increase in premiums translates to at least a $100 million increase in the cost of doing business in Pennsylvania.Highmark goes on to discuss the effect of mandates on Pennsylvania's small and medium-sized businesses.Act 34 provides that the documentation submitted to the Council by supporters and opponents of a proposed mandated benefit should address eight specific areas.In reviewing these eight points, Council staff performs a preliminary review to determine whether the information received is sufficient to warrant the formal Mandated Benefits Review process outlined in the Act."While large businesses may have the potential for greater need and use of a mandate among members of its workforce, most large-sized corporate businesses elect to self-insure.
As ERISA-exempt plans, state imposed health benefit mandates are not applicable to such health plans.
RESOLVE of Philadelphia represents 1,000 members, while RESOLVE of Central Pennsylvania represents 600 members.
RESOLVE of Philadelphia also included a copy of a petition signed by 2,200 Pennsylvania residents.
As written, post-menopausal women, women who have undergone voluntary sterilization, and surrogates would have these costly procedures covered by insurance. He further speculates, "This assumes, however, that demand for coverage is only among the infertile; there are many persons whose fertility status is unknown because they have not yet attempted to build their family.
These individuals may be willing to pay for infertility insurance coverage within their health insurance plans." Dr.
In support of this point, Highmark includes information from Milliman and Robertson.