We're trying to have a baby. Will fertility treatments be covered at all under Obamacare?

    No. maybe and Yes,.

    The essential health benefits package will be determined by the Secretary of Health and Human Services (HHS) in a future regulation, but the ACA lists a set of core, federally-required benefits and describes the health plans which will not be required to offer these essential health benefits.

    The essential health benefits are intended to mirror those provided under a typical employer-sponsored health plan.The federal government gave each state an opportunity to select an existing insurance plan to serve as the benchmark for what services would be covered. The benchmark plans provide varying levels of coverage. As a result, while one state is moving to include speech therapy,
    chiropractic care and naturopathic care as essential health benefits, another could exclude those services from coverage.

    The decisions being made could impact which healthcare professionals consumers can afford to visit and effectively block access to some providers. The federal government will evaluate each state’s benchmark plan to determine whether it meets the minimum requirements and includes the essential health benefits.


      In a nutshell, the new law does not require insurers to provide fertility treatments as part of any issued plan.  With that said, it is possible that insurers offering coverage through the Marketplace may include fertility treatments under a plan.


      More About The Affordable Care Act

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