Kentucky
Coverage Mandate 1:
No
Scope of Mandate 2:
N/A
Coverage Cap 3:
N/A
Requirements or Limitations on Coverage 4:
N/A
Exemptions 5:
N/A
Fertility Preservation:
All health benefit plans will provide coverage for oocyte and sperm preservation services when a medically necessary treatment may directly or indirectly cause iatrogenic infertility to an insured.
Health benefits plans include student health insurance offered by a Kentucky-licensed insurer under a written contract with a university or college whose students it proposes to insure. Coverage must include:
- Evaluation expenses.
- Laboratory assessments.
- Medications and treatment associated with oocyte and sperm cryopreservation procedures, which includes obtaining, freezing, and storing gametes for up to one year.
Coverage may include:
- Exclusions for costs associated with storage of oocytes or sperm after one year.
- Age restrictions in accordance with guidelines set forth by the American Society for Reproductive Medicine or the American Society of Clinical Oncology.
- A lifetime limit of one oocyte or sperm cryopreservation procedure per eligible insured.
- Limits to nonexperimental procedures, as defined by the American Society for Reproductive Medicine or the American Society of Clinical Oncology
Religious and self-insured exemptions.2023 Kentucky Revised Statutes. Title 25, Chapter 304, Subtitle 17A
Notes
Infertility coverage is expressly excluded from Medicaid.
1 Does the state have a coverage mandate, Y/N. Include effective date of the mandate. Specify if the mandate is to “offer” services or to “cover” them.
2Which insurers are required to comply with the mandate. If not applicable, put N/A.
3Is there a cap (annual/lifetime)?
4Does the law impose age restrictions on eligibility for coverage? Does it limit the number of IVF cycles covered (or require at least a certain number of services be covered)? Does it mandate a waiting period? Other limitations? How is “infertility” defined? Is it inclusive (e.g.: does it apply only to married or -opposite sex couples, or is it inclusive?)
5What, if any, exemptions apply to coverage under the mandate? For example: an exemption for small businesses or religious organizations.
Resources For You
The American Society for Reproductive Medicine (ASRM) is committed to providing patients with the highest quality information about reproductive care.
