Illinois Insurance Facts Illinois Department of Insurance
|
|
|
- Madison Potter
- 8 years ago
- Views:
Transcription
1 Illinois Insurance Facts Illinois Department of Insurance Insurance Coverage for Infertility Treatment Revised December 2014 Note: This information was developed to provide consumers with general information and guidance about insurance coverage and laws. It is not intended to provide a formal, definitive description or interpretation of Department policy. For specific Department policy on any issue, regulated entities (insurance industry) and interested parties should contact the Department. Infertility is a condition that strikes hundreds of couples in Illinois. Treatment for infertility is considered an essential benefit in Illinois under the federal Affordable Care Act (ACA). In addition, Illinois law requires fully insured employer group insurance plans and health maintenance organizations (HMOs) to provide coverage for infertility. Here are the basic facts about the laws. Federal Law ACA The federal law requires that all non-grandfathered and non-transitional plans sold in the individual and small group markets and in the Health Insurance Marketplace cover certain essential health benefits. States were required to choose an essential benefit benchmark plan that would define how the essential benefits would be covered, including state specific mandates that would be included. The benchmark plan chosen for Illinois consumers included coverage for infertility so it must be provided by all individual and small group plans approved for sale on and off the Marketplace. Who Is Covered? To receive infertility coverage, you must: live in Illinois; and have been unable to conceive after one year of unprotected sexual intercourse or unable to sustain a successful pregnancy; or have a medical condition that renders conception impossible through unprotected sexual intercourse, including but not limited to congenital absence of the uterus or ovaries, absence of the uterus or ovaries due to surgical removal due to a medical condition, or involuntary sterilization due to chemotherapy or radiation treatments; or efforts to conceive as a result of one year of medically based and supervised methods of conception, including artificial inseminations, have failed and are not likely to lead to a successful pregnancy. What Is Covered? Plans must cover the diagnosis and treatment of infertility the same as all other conditions. For example, they may not apply any unique co-payments or deductibles for infertility coverage. Benefits shall include, but not be limited to: testing - 1 -
2 prescription drugs artificial insemination invitro fertilization (IVF) gamete intrafallopian tube transfer (GIFT) intracytoplasmic sperm injection (ICSI) donor sperm and eggs (medical costs) o procedures utilized to retrieve oocytes or sperm and subsequent procedures used to transfer the oocytes or sperm to the covered recipient are covered o Associated donor expenses medical expense, including but not limited to physical examination, laboratory screening, psychological screening, and prescription drugs, are covered if established as prerequisites to donation by the insurer What Are The limits? Under the federal law, there can be no pre-existing condition limitations, and there can be no limits on coverage for essential health benefits. What Is Not Covered? costs incurred for reversing a tubal ligation or vasectomy costs for services rendered to a surrogate, however, costs for procedures to obtain eggs, sperm or embryos from a covered individual shall be covered if the individual chooses to use a surrogate and if the individual has not exhausted benefits for completed oocytes retrievals costs of preserving and storing sperm, eggs and embryos costs for an egg or sperm donor which are not medically necessary; any fees for non-medical services paid to the donor are not covered under the law experimental treatments costs for procedures which violate the religious and moral teachings or beliefs of the insurance company or covered group What Policies Are Exempt From The ACA? The Federal ACA does not apply to Excepted Benefit Policies as defined 42 U.S.C. 300gg-91. Excepted Benefits include but are not limited to: Short-term limited duration insurance; Accident or disability income insurance; Liability insurance, including general liability and auto liability and auto medical payment; Worker s compensation or similar insurance; Credit only insurance; Coverage for on-site medical clinics; Long-term care, nursing home care, home health care and community based care; Medicare supplements; Specified disease or illness; Limited dental and vision; Hospital indemnity or other fixed indemnity insurance - 2 -
3 Illinois Law If you do not have health insurance that provides essential health benefits under the ACA, the Illinois law may apply to your policy. This includes grand-fathered (policies in place prior to March 23, 2010) and transitional (policies in place prior to January 1, 2014). Who Must Offer The Coverage? Illinois law requires insurance companies and HMOs to provide coverage for infertility to employee groups of more than 25. The law does not apply to individual policies, small employer group policies where the employer has 25 or fewer employees, non-employer group policies such as association policies, self-insured employers or to trusts or insurance policies written outside Illinois. However, for HMOs, the law does apply in certain situations to contracts written outside of Illinois if the HMO member is a resident of Illinois and the HMO has established a provider network in Illinois. To determine if your HMO provides infertility benefits, you should contact the HMO directly or check your certificate of coverage. Who Is Covered? To receive infertility coverage, you must: live in Illinois; be covered by a fully insured Illinois group policy through an employer with more than 25 fulltime employees have been unable to conceive after one year of unprotected sexual intercourse or unable to sustain a successful pregnancy; or ;have a medical condition that renders conception impossible through unprotected sexual intercourse, including but not limited to congenital absence of the uterus or ovaries, absence of the uterus or ovaries due to surgical removal due to a medical condition, or involuntary sterilization due to chemotherapy or radiation treatments; or efforts to conceive as a result of one year of medically based and supervised methods of conception, including artificial inseminations, have failed and are not likely to lead to a successful pregnancy. What Is Covered? Illinois requires group insurance and HMO plans to cover the diagnosis and treatment of infertility the same as all other conditions. For example, they may not apply any unique co-payments or deductibles for infertility coverage. Benefits shall include, but not be limited to: testing prescription drugs artificial insemination invitro fertilization (IVF) gamete intrafallopian tube transfer (GIFT) intracytoplasmic sperm injection (ICSI) donor sperm and eggs (medical costs) o procedures utilized to retrieve oocytes or sperm and subsequent procedures used to transfer the oocytes or sperm to the covered recipient are covered - 3 -
4 o Associated donor expenses medical expense, including but not limited to physical examination, laboratory screening, psychological screening, and prescription drugs, are covered if established as prerequisites to donation by the insurer What Are The Limits? Benefits for advanced procedures such as IVF, GIFT, ZIFT or ICSI are required only if you have been unable to attain or sustain a successful pregnancy through reasonable, less costly medically appropriate infertility treatments for which coverage is available under the policy. The benefits for advanced procedures required by the law are four completed oocyte retrievals per lifetime of the individual, except that two completed oocyte retrievals are covered after a live birth is achieved as a result of an artificial reproductive transfer of oocytes. For example, if a live birth takes place as a result of the first completed oocyte retrieval, then two more completed oocyte retrievals for a maximum of three are covered under the law. If a live birth takes place as a result of the fourth completed oocyte retrieval, then two more completed oocyte retrievals for a maximum of six are covered. The maximum number of completed oocyte retrievals that can be covered under the law is six. One completed oocyte retrieval could result in many IVF, GIFT, ZIFT or ICSI procedures. There is no limit on the number of procedures, including less invasive procedures such as artificial insemination. The only limitations are on the number of completed oocyte retrievals. NOTE: Once the final covered oocyte retrieval is completed, one subsequent procedure (IVF, GIFT, ZIFT, or ICSI) used to transfer the oocytes or sperm is covered. After that, the benefit is maxed out and no further benefits are available under the law. NOTE: Oocyte retrievals are per lifetime of the individual. If you had a completed oocyte retrieval in the past that was paid for by another carrier, or not covered by insurance, it still counts toward your lifetime maximum under the law. What Is Not Covered? Your group insurance or HMO plan does not have to pay for: costs incurred for reversing a tubal ligation or vasectomy costs for services rendered to a surrogate, however, costs for procedures to obtain eggs, sperm or embryos from a covered individual shall be covered if the individual chooses to use a surrogate and if the individual has not exhausted benefits for completed oocytes retrievals costs of preserving and storing sperm, eggs and embryos costs for an egg or sperm donor which are not medically necessary; any fees for non-medical services paid to the donor are not covered under the law experimental treatments costs for procedures which violate the religious and moral teachings or beliefs of the insurance company or covered group - 4 -
5 For More Information CALL Office of Consumer Health Insurance toll free at (877) OR Visit us on our website at Infertility Rule may be found at: Infertility Law is located at:
Illinois Insurance Facts Illinois Department of Financial and Professional Regulation Division of Insurance
Illinois Insurance Facts Illinois Department of Financial and Professional Regulation Division of Insurance Insurance Coverage for Infertility Treatment Revised November 2004 Infertility is a condition
Authorized By: Holly C. Bakke, Commissioner, Department of Banking and Insurance.
INSURANCE DIVISION OF INSURANCE Actuarial Services Benefit Standards for Infertility Coverage Proposed New Rules: N.J.A.C. 11:4-54 Authorized By: Holly C. Bakke, Commissioner, Department of Banking and
COVENTRY HEALTH CARE OF ILLINOIS, INC. COVENTRY HEALTH CARE OF MISSOURI, INC. Medical Management Policy and Procedure PROPRIETARY
COVENTRY HEALTH CARE OF ILLINOIS, INC. COVENTRY HEALTH CARE OF MISSOURI, INC. Medical Management Policy and Procedure PROPRIETARY Policy: Infertility Evaluation and Treatment Number: MM 1306 Date Effective:
PLAN DESIGN AND BENEFITS - Tx OAMC 2500 08 PREFERRED CARE
PLAN FEATURES Deductible (per calendar year) $2,500 Individual $5,000 Individual $7,500 3 Individuals per $15,000 3 Individuals per Unless otherwise indicated, the Deductible must be met prior to benefits
PLAN DESIGN AND BENEFITS - Tx OAMC Basic 2500-10 PREFERRED CARE
PLAN FEATURES Deductible (per calendar year) $2,500 Individual $4,000 Individual $7,500 Family $12,000 Family 3 Individuals per Family 3 Individuals per Family Unless otherwise indicated, the Deductible
PLAN DESIGN AND BENEFITS STANDARD HEALTH BENEFITS PLAN NJ HMO $30 PLAN (Also Marketed As: NJ SGB HMO $30/$300/D (5/10K) Plan)
PLAN FEATURES Deductible (per calendar year) Plan Coinsurance Maximum Out-of-Pocket (per calendar year) $5,000 Individual $10,000 Family All covered expenses apply toward the Maximum Out-of-Pocket. Once
COMMITTEE REPORT. Your Committee on Insurance, Corporations and Small Business, to which was
SB - Filed //, : PM Adopted Rejected COMMITTEE REPORT MR. SPEAKER: YES: NO: Your Committee on Insurance, Corporations and Small Business, to which was referred Senate Bill, has had the same under consideration
PLAN DESIGN AND BENEFITS - Tx OAMC 1500-10 PREFERRED CARE
PLAN FEATURES Deductible (per calendar year) $1,500 Individual $3,000 Individual $4,500 Family $9,000 Family 3 Individuals per Family 3 Individuals per Family Unless otherwise indicated, the Deductible
Medical Plan - Healthfund
18 Medical Plan - Healthfund Oklahoma City Community College Effective Date: 07-01-2010 Aetna HealthFund Open Choice (PPO) - Oklahoma PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY -
$100 Individual. Deductible
PLAN FEATURES Deductible $100 Individual (per calendar year) $200 Family Unless otherwise indicated, the deductible must be met prior to benefits being payable. Member cost sharing for certain services,
Infertility Services Medical Policy For University of Vermont Medical Center and Central Vermont Medical Center employer groups
Infertility Services Medical Policy For University of Vermont Medical Center and Central Vermont Medical Center employer groups File name: Infertility Services File code: UM.REPRO.01 Last Review: 02/2016
Areas of Concern. Reproductive Ethics: Issues &
Reproductive Ethics: Issues & Areas of Concern Conception Control: under what conditions is conception control in harmony with a Christian ethic? Genetic Screening & Counseling: under what conditions should
IL Small Group PPO Aetna Life Insurance Company Plan Effective Date: 04/01/2009 PLAN DESIGN AND BENEFITS- PPO HSA HDHP $2,500 100/80 (04/09)
PLAN FEATURES OUT-OF- Deductible (per calendar ) $2,500 Individual $5,000 Individual $5,000 Family $10,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable.
Aetna HealthFund Health Reimbursement Account Plan (Aetna HealthFund Open Access Managed Choice POS II )
Health Fund The Health Fund amount reflected is on a per calendar year basis. If you do not use the entire fund by 12/31/2015, it will be moved into a Limited-Purpose Flexible Spending Account. Health
THE MITRE CORPORATION PPO High Deductible Plan with a Health Saving Account (HSA)
THE MITRE CORPORATION PPO High Deductible Plan with a Health Saving Account (HSA) Effective Date: 01-01-2016 PLAN FEATURES Annual Deductible $1,500 Employee $3,000 Employee $3,000 Employee + 1 Dependent
Individual. Employee + 1 Family
FUND FEATURES HealthFund Amount Individual Employee + 1 Family $750 $1,125 $1,500 Amount contributed to the Fund by the employer is reflected above. Fund Amount reflected is on a per calendar year basis.
Business Life Insurance - Health & Medical Billing Requirements
PLAN FEATURES Deductible (per plan year) $2,000 Employee $2,000 Employee $3,000 Employee + Spouse $3,000 Employee + Spouse $3,000 Employee + Child(ren) $3,000 Employee + Child(ren) $4,000 Family $4,000
PLAN DESIGN AND BENEFITS AETNA LIFE INSURANCE COMPANY - Insured
PLAN FEATURES Deductible (per calendar year) Individual $750 Individual $1,500 Family $2,250 Family $4,500 All covered expenses accumulate simultaneously toward both the preferred and non-preferred Deductible.
Clinical Policy Committee
Northern, Eastern and Western Devon Clinical Commissioning Group South Devon and Torbay Clinical Commissioning Group Clinical Policy Committee Commissioning policy: Assisted Conception Fertility assessment
California PCP Selected* Not Applicable
PLAN FEATURES Deductible (per calendar ) Member Coinsurance * Not Applicable ** Not Applicable Copay Maximum (per calendar ) $3,000 per Individual $6,000 per Family All member copays accumulate toward
Reproductive Technology. Chapter 21
Reproductive Technology Chapter 21 Assisted Reproduction When a couple is sub-fertile or infertile they may need Assisted Reproduction to become pregnant: Replace source of gametes Sperm, oocyte or zygote
100% Fund Administration
FUND FEATURES HealthFund Amount $500 Employee $750 Employee + Spouse $750 Employee + Child(ren) $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at which the Fund
SPIN Effective Date: 01-01-2013 Aetna HealthFund Aetna Choice POS ll - ASC PLAN DESIGN & BENEFITS ADMINISTERED BY AETNA LIFE INSURANCE COMPANY
HealthFund Amount $1,500 Employee $1,500 Employee + 1 Dependent $1,500 Employee + 2 Dependents $1,500 Family Amount contributed to Fund by employer Fund Coinsurance 100% Percentage at which Fund will reimburse
Employee + 2 Dependents
FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance Percentage at
PLAN DESIGN AND BENEFITS POS Open Access Plan 1944
PLAN FEATURES PARTICIPATING Deductible (per calendar year) $3,000 Individual $9,000 Family $4,000 Individual $12,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being
PDS Tech, Inc Proposed Effective Date: 01-01-2012 Aetna HealthFund Aetna Choice POS ll - ASC
FUND FEATURES HealthFund Amount $500 Individual $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance 100% Percentage
$6,350 Individual $12,700 Individual
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible $5,000 Individual $10,000 Individual $10,000 Family $20,000 Family All covered expenses accumulate separately toward the preferred or non-preferred Deductible.
PLAN DESIGN AND BENEFITS Basic HMO Copay Plan 1-10
PLAN FEATURES Deductible (per calendar year) Member Coinsurance Not Applicable Not Applicable Out-of-Pocket Maximum $5,000 Individual (per calendar year) $10,000 Family Once the Family Out-of-Pocket Maximum
CA Group Business 2-50 Employees
PLAN FEATURES Network Primary Care Physician Selection Deductible (per calendar year) Member Coinsurance Copay Maximum (per calendar year) Lifetime Maximum Referral Requirement PHYSICIAN SERVICES Primary
THE CITY OF HOPE Proposed Effective Date: 01-01-2012 HMO - California PLAN DESIGN & BENEFITS PROVIDED BY AETNA HEALTH OF CALIFORNIA INC.
PLAN FEATURES Deductible (per calendar year) Out-of-Pocket Maximum (per calendar year) None Individual None Family $1,500 Individual $3,000 Family Member cost sharing for certain services may not apply
Bates College Effective date: 01-01-2010 HMO - Maine PLAN DESIGN AND BENEFITS PROVIDED BY AETNA HEALTH INC. - FULL RISK PLAN FEATURES
PLAN FEATURES Deductible (per calendar year) $500 Individual $1,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Once Family Deductible is met, all family
Small Business Solutions Medical Plan Options
Small Business Solutions Medical Plan Options Indiana Choice. Simplicity. Affordability. 14.02.927.1-IN (10/04) AETNA SMALL GROUP MEDICAL PLANS AETNA CHOICE PPO PLAN OPTIONS Plan Option 1 Plan Option 2
100% Percentage at which the Fund will reimburse Fund Administration
FUND FEATURES HealthFund Amount $500 Employee $1,000 Employee + 1 Dependent $1,000 Employee + 2 Dependents $1,000 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per
IL Small Group MC Open Access Aetna Life Insurance Company Plan Effective Date: 10/01/2010 PLAN DESIGN AND BENEFITS- MC CDHP $2,500 90/70 (10/10)
PLAN FEATURES Deductible (per calendar ) $2,500 Individual $5,000 Individual $7,500 Family $15,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. All covered
PLAN DESIGN AND BENEFITS HMO Open Access Plan 912
PLAN FEATURES Deductible (per calendar year) $1,000 Individual $2,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Member cost sharing for certain services
PREFERRED CARE. All covered expenses, including prescription drugs, accumulate toward both the preferred and non-preferred Payment Limit.
PLAN FEATURES Deductible (per plan year) $300 Individual $300 Individual None Family None Family All covered expenses, excluding prescription drugs, accumulate toward both the preferred and non-preferred
PLAN DESIGN AND BENEFITS - PA Health Network Option AHF HRA 1.3. Fund Pays Member Responsibility
HEALTHFUND PLAN FEATURES HealthFund Amount (Per plan year. Fund changes between tiers requires a life status change qualifying event.) Fund Coinsurance (Percentage at which the Fund will reimburse) Fund
General Cost Sharing Features In-Network Out-of-Network
SECTION A. Summary of Benefits 9-RCF, 10/09 This Summary is part of your Benefit Handbook. It states the Cost Sharing amounts that you must pay for Covered Benefits and some important limitations on your
California Small Group MC Aetna Life Insurance Company
PLAN FEATURES Deductible (per calendar year) $3,000 Individual $6,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. All covered expenses accumulate separately
Symposium on RECENT ADVANCES IN ASSISTED REPRODUCTIVE TECHNOLOGY
Symposium on RECENT ADVANCES IN ASSISTED REPRODUCTIVE TECHNOLOGY Dr Niel Senewirathne Senior Consultant of Obstetrician & Gynaecologist De zoyza Maternity Hospita 1 ART - IVF & ICSI 2 Infertility No pregnancy
PLAN DESIGN AND BENEFITS Georgia 2-100 HNOption 13-1000-80
Georgia Health Network Option (POS Open Access) PLAN DESIGN AND BENEFITS Georgia 2-100 HNOption 13-1000-80 PLAN FEATURES PARTICIPATING PROVIDERS NON-PARTICIPATING PROVIDERS Deductible (per calendar year)
SMALL GROUP PLAN DESIGN AND BENEFITS OPEN CHOICE OUT-OF-STATE PPO PLAN - $1,000
PLAN FEATURES PREFERRED CARE NON-PREFERRED CARE Deductible (per calendar year; applies to all covered services) $1,000 Individual $3,000 Family $2,000 Individual $6,000 Family Plan Coinsurance ** 80% 60%
OHTAC Recommendation. In Vitro Fertilization and Multiple Pregnancies
OHTAC Recommendation In Vitro Fertilization and Multiple Pregnancies October 19, 2006 The Ontario Health Technology Advisory Committee (OHTAC) met on October 19, 2006 and reviewed the health technology
REPRODUCTIVE MEDICINE AND INFERTILITY ASSOCIATES Woodbury Medical Arts Building 2101 Woodwinds Drive Woodbury, MN 55125 (651) 222-6050
REPRODUCTIVE MEDICINE AND INFERTILITY ASSOCIATES Woodbury Medical Arts Building 2101 Woodwinds Drive Woodbury, MN 55125 (651) 222-6050 RECIPIENT COUPLE INFORMED CONSENT AND AUTHORIZATION FOR IN VITRO FERTILIZATION
Unlimited except where otherwise indicated.
PLAN FEATURES Deductible (per calendar year) $1,250 Individual $5,000 Individual $2,500 Family $10,000 Family All covered expenses including prescription drugs accumulate separately toward both the preferred
ASSISTED REPRODUCTIVE TECHNOLOGY Adopted 2013
ASSISTED REPRODUCTIVE TECHNOLOGY Adopted 2013 The Christian Medical & Dental Association is a public voice for Christian healthcare professionals and students. Founded in 1931, CMDA provides programs and
California Small Group MC Aetna Life Insurance Company
PLAN FEATURES Deductible (per calendar year) $1,000 per member $1,000 per member Unless otherwise indicated, the Deductible must be met prior to benefits being payable. All covered expenses accumulate
Prepared: 04/06/2012 04:19 PM
PLAN FEATURES NON- Deductible (per calendar year) $2,000 Individual $4,000 Individual $6,000 Family $12,000 Family All covered expenses accumulate simultaneously toward both the preferred and non-preferred
PLAN DESIGN & BENEFITS PROVIDED BY AETNA HEALTH INC. - FULL RISK
PLAN FEATURES Deductible (per calendar year) PLAN DESIGN & BENEFITS None Individual None Family The family Deductible is a cumulative Deductible for all family members. The family Deductible can be met
Final Version Two (Sept 2014) Eastern Cheshire Clinical Commissioning Group NHS Funded Treatment for Subfertility Policy
Final Version Two (Sept 2014) Eastern Cheshire Clinical Commissioning Group NHS Funded Treatment for Subfertility Policy NHS FUNDED TREATMENT FOR SUBFERTILITY ELIGIBILITY CRITERIA Table of Contents 1.
PARTICIPATING PROVIDERS / REFERRED Deductible (per calendar year)
Your HMO Plan Primary Care Physician - You choose a Primary Care Physician. The Aetna HMO Deductible provider network gives you access to a wide selection of Primary Care Physicians ( PCP's) and Specialists
A, B, C, 8 0 / 6 0 1, 4 9 0 / 7 0 5, 6 8 0 / 6 0
COMPREHENSIVE COVERAGE PREVENTIVE AND WELLNESS BENEFITS LABORATORY BENEFITS LabOne PPO SAVINGS FREEDOM OF CHOICE C O P A Y P P O I N S U R A N C E P L A N S A, B, C, 8 0 / 6 0 1, 4 9 0 / 7 0 5, 6 8 0 /
Clinical Reference Group Quality & Safety Committee Governing Body. Policy Screened
Fertility Policy 1 SUMMARY This policy is intended to support individuals and couples who want to become parents but who have a possible pathological problem (physical or psychological) leading to them
SECTION A. Summary of Benefits LW-V, 10/09
SECTION A. Summary of Benefits LW-V, 10/09 This Summary is part of your Benefit Handbook. It states the Cost Sharing amounts that you must pay for Covered Benefits and some important limitations on your
Tower Hamlets CCG Fertility policy
Tower Hamlets CCG Fertility policy Approved December 2014 Introduction Tower Hamlets CCG is responsible for commissioning a range of health services including hospital, mental health and community services
How To Get A Health Care Plan In Aiowa
PLAN FEATURES Deductible (per calendar year) None Individual None Family The family Deductible is a cumulative Deductible for all family members. The family Deductible can be met by a combination of family
Orthodox HealthPlan Effective: 05-01-2015 Aetna HealthFund Open Choice (PPO)
FUND FEATURES HealthFund Amount Orthodox HealthPlan $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis. The fund received may
Assisted Conception Policy. February 2016. Dr. Liz Saunders Cyril Haessig
Assisted Conception Policy February 2016 Dr. Liz Saunders Cyril Haessig CONTENTS Executive Summary... 3 Policy outline... 5 Detailed criteria... 8-2 - ASSISTED CONCEPTION COMMISSIONING POLICY EXECUTIVE
None Individual. Deductible (per calendar year)
PLAN FEATURES Deductible (per calendar year) UNIVERSITY OF PENNSYLVANIA POSTDOCTORAL INSURANCE PLAN None Individual None Family The family Deductible is a cumulative Deductible for all family members.
Utah Renewal Instructions
Utah Renewal Instructions For 2 50 Eligible Employees Effective August 1, 2009 Easy steps to renew your coverage 14.02.138.1-UT A (5/09) Aetna is the brand name used for products and services provided
PLAN DESIGN & BENEFITS - CONCENTRIC MODEL
PLAN FEATURES Deductible (per calendar year) Rice University None Family Member Coinsurance Applies to all expenses unless otherwise stated. Payment Limit (per calendar year) $1,500 Individual $3,000 Family
$20 office visit copay; deductible 20%; after deductible. $30 office visit copay; deductible Not Covered. $30 office visit copay; deductible waived
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible (per calendar year) $300 Individual $600 Individual $600 Family $1,200 Family All covered expenses, accumulate separately toward the preferred or non-preferred
Ethical issues in assisted reproductive technologies. Effy Vayena
Ethical issues in assisted reproductive technologies Effy Vayena Assisted Reproductive Technologies (ART) All treatments or procedures that include the in vitro handling of human oocytes and human sperm
1 exam every 12 months for members age 22 to age 65; 1 exam every 12 months for adults age 65 and older. Routine Well Child
Open Choice (O) Maine Aetna Consumer Choice (HSA) lan LAN DESIGN & BENEFITS ROVIDED BY AETNA LIFE INSURANCE COMANY LAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible (per calendar year) $1,800 Individual
1 exam every 12 months for members age 22 to age 65; 1 exam every 12 months for adults age 65 and older. Routine Well Child
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible (per calendar year) $1,000 Individual $1,000 Individual $2,000 Family $2,000 Family All covered expenses accumulate separately toward the preferred or
Assisted Reproductive Technologies at IGO
9339 Genesee Avenue, Suite 220 San Diego, CA 92121 858 455 7520 Assisted Reproductive Technologies at IGO Although IGO no longer operates an IVF laboratory or program as such, we work closely with area
it right? activity (page 4) to highlight ethical issues associated with IVF
IN VITRO FERTILIZATION I V F In some cases, a sperm is directly injected into an egg IVF: THE MEETING OF SPERM AND EGG IN GLASS Louise Brown, the first test tube baby was born in 1978. Since then, there
How to choose an IVF clinic and understand success rates: Questions to ask when choosing an IVF clinic.
Australia s National Infertility Network How to choose an IVF clinic and understand success rates: Questions to ask when choosing an IVF clinic. updated 26 05 2015 20 The information contained here is
Center for Women s Reproductive Care at Columbia University
Center for Women s Reproductive Care at Columbia University Oocyte Recipients Greetings, Thank you for your interest in the Center for Women s Reproductive Care at Columbia University. We hope that the
PLAN DESIGN AND BENEFITS - New York Open Access EPO 1-10/10
PLAN FEATURES Deductible (per calendar year) $1,000 Individual $3,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Member cost sharing for certain services,
New York Small Group Indemnity Aetna Life Insurance Company Plan Effective Date: 10/01/2010. PLAN DESIGN AND BENEFITS - NY Indemnity 1-10/10*
PLAN FEATURES Deductible (per calendar year) $2,500 Individual $7,500 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Member cost sharing for certain services,
INFORMED CONSENT AND AUTHORIZATION FOR IN VITRO FERTILIZATION OF PREVIOUSLY CRYOPRESERVED OOCYTES
INFORMED CONSENT AND AUTHORIZATION FOR IN VITRO FERTILIZATION OF PREVIOUSLY CRYOPRESERVED OOCYTES We, the undersigned, as patient and partner understand that we will be undergoing one or more procedures
Commissioning Policy for In Vitro Fertilisation (IVF)/ Intracytoplasmic Sperm Injection (ICSI) within tertiary Infertility Services.
East Midlands CCGs Commissioning Policy for In Vitro Fertilisation (IVF)/ Intracytoplasmic Sperm Injection (ICSI) within tertiary Infertility Services April 2014 CONTENTS Page 1. INTRODUCTION 3 2. GENERAL
PLAN DESIGN & BENEFITS PROVIDED BY AETNA HEALTH INC. AND AETNA HEALTH INSURANCE COMPANY - FULL RISK
PLAN FEATURES IN-NETWORK OUT-OF-NETWORK Deductible None Individual $750 Individual (per calendar year) None Family $2,250 Family Unless otherwise indicated, the deductible must be met prior to benefits
Rice University Effective Date: 07-01-2014 Aetna Choice POS ll - ASC PLAN DESIGN & BENEFITS ADMINISTERED BY AETNA LIFE INSURANCE COMPANY PLAN FEATURES
PLAN DESIGN & BENEFITS PLAN FEATURES NON- Deductible (per calendar year) None Individual $1,000 Individual None Family $3,000 Family All covered expenses, excluding prescription drugs, accumulate toward
Ohio Mental Health Parity Law - Frequently Asked Questions
Ohio Department of Insurance Mental Health Parity - Frequently Asked Questions The main provisions of the Ohio Mental Health Parity law can be found in sections 1751.01, 3923.28, 3923.281 and 3923.282
How To Get A Refund On An Ivf Cycle
100% IVF Refund Program Community Hospital North Clearvista Dr. N Dr. David Carnovale and Dr. Jeffrey Boldt, along with everyone at Community Reproductive Endocrinology, are committed to providing you
Important health care reform notice Women s preventive services covered with no member cost share
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Important health care reform notice Women s preventive services covered with no member cost share www.aetna.com
Health Net Life Insurance Company California Farm Bureau Members Health Insurance Plans Major Medical Expense Coverage Outline of Coverage
Health Net Life Insurance Company California Farm Bureau Members Health Insurance Plans Major Medical Expense Coverage Outline of Coverage Read Your Certificate Carefully This outline of coverage provides
The relevant NICE Clinical Guidance 156, Fertility can be accessed here: http://www.nice.org.uk/guidance/cg156
City and Hackney CCG Fertility policy Approved January 2015 Introduction City and Hackney CCG is responsible for commissioning a range of health services including hospital, mental health and community
University Hospitals Coventry and Warwickshire NHS Trust. Centre for Reproductive Medicine. We Care. We Achieve. We Innovate.
University Hospitals Coventry and Warwickshire NHS Trust Centre for Reproductive Medicine We Care. We Achieve. We Innovate. Introduction We were the first NHS Hospital in the West Midlands to set up a
Welcome to chapter 2. The following chapter is called "Indications For IVF". The author is Dr Kamini A. Rao.
Welcome to chapter 2. The following chapter is called "Indications For IVF". The author is Dr Kamini A. Rao. The indications for an IVF treatment have increased since the birth of the first IVF baby. The
20% 40% Individual Family
PLAN FEATURES NON-* Deductible (per calendar year) $2,500 Individual $3,000 Individual $5,000 Family $6,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable.
ASSISTED REPRODUCTIVE TECHNOLOGIES (ART)
ASSISTED REPRODUCTIVE TECHNOLOGIES (ART) Dr. Herve Lucas, MD, PhD, Biologist, Andrologist Dr. Taher Elbarbary, MD Gynecologist-Obstetrician Definitions of Assisted Reproductive Technologies Techniques
2015 EMPIRE PLAN BENEFIT SUMMARY For Active Employees and Retirees
PRE-ADMISSION CERTIFICATION 2015 EMPIRE PLAN BENEFIT SUMMARY For Active Employees and Retirees Prior authorization of inpatient hospitalization charges required. $200 penalty for failure to precertify.
FUND FEATURES HealthFund Amount
FUND FEATURES HealthFund Amount Miami Dade College $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis. The fund received may
SO, WHAT IS A POOR RESPONDER?
SO, WHAT IS A POOR RESPONDER? We now understand why ovarian reserve is important and how we assess it, but how is poor response defined? Unfortunately, there is no universally accepted definition for the
Princeton University J-1 Visa Health Care Plan Summary Plan Description
Princeton University J-1 Visa Health Care Plan Summary Plan Description Princeton University J-1 Visa Health Care Plan Summary Plan Description January 2014 Contents Introduction... 1 Period of Coverage...
Fertility Facts and Figures 2008
Fertility Facts and Figures 2008 Contents About these statistics... 2 Accessing our data... 2 The scale of fertility problems... 3 Treatment abroad... 3 Contacts regarding this publication... 3 Latest
PLAN DESIGN & BENEFITS MEDICAL PLAN PROVIDED BY AETNA LIFE INSURANCE COMPANY
Gettysburg College, Inc. PLAN FEATURES Deductible (per calendar year) $500 Individual $1,500 Individual $1,000 Family $3,000 Family All covered expenses accumulate separately toward the preferred or non-preferred
Term Life and Accidental Death Insurance
BENEFITS SUMMARY Aetna Voluntary Plans Plan design and benefits insured by Aetna Life Insurance Company (Aetna). Unless otherwise indicated, all benefits and limitations are per covered person. Inside
CHAPTER 2016-194. Committee Substitute for Committee Substitute for Senate Bill No. 1170
CHAPTER 2016-194 Committee Substitute for Committee Substitute for Senate Bill No. 1170 An act relating to health plan regulatory administration; amending s. 112.08, F.S.; authorizing local governmental
East and North Hertfordshire CCG Fertility treatment and referral criteria for tertiary level assisted conception. December 2014
East and North Hertfordshire CCG Fertility treatment and referral criteria for tertiary level assisted conception December 2014 1 1. Introduction This policy sets out the entitlement and service that will
Amendment (with title amendment)
Senate CHAMBER ACTION House. 1 2 3 4 5 6 7 8 9 10 11 12 13 Representative Sprowls offered the following: Amendment (with title amendment) Remove lines 1040-1099 and insert: Health insurers shall submit
PRE-EXISTING CONDITION INSURANCE POOL ( PCIP ) COMPREHENSIVE MAJOR MEDICAL EXPENSE POLICY
PRE-EXISTING CONDITION INSURANCE POOL ( PCIP ) COMPREHENSIVE MAJOR MEDICAL EXPENSE POLICY Administered By: The Arkansas Comprehensive Health Insurance Pool ( CHIP ) and its subcontractor, BlueAdvantage
Standardising Access Criteria to NHS Fertility Treatment FOR COMMISSIONERS OF FERTILITY SERVICES
Standardising Access Criteria to NHS Fertility Treatment FOR COMMISSIONERS OF FERTILITY SERVICES Status of the document This document offers guidance to help PCTs move towards more equitable provision
IVF & FET SURROGAC Y PROCEDURES EXPLANATION OF FEES
CANBERRA FERTILITY CENTRE IVF & FET SURROGAC Y PROCEDURES EXPLANATION OF FEES VERSION: JAN 2014 QWB 425 Canberra Fertility Centre Suite 9, Level 2 Peter Yorke Building, John James Health Campus, Strickland
INFORMED CONSENT FOR EGG DONORS PRACTITIONER S GUIDE TO USING THE MODEL FORM
INFORMED CONSENT FOR EGG DONORS PRACTITIONER S GUIDE TO USING THE MODEL FORM A. GENERAL GUIDELINES AND COMMENTS Purpose and Use of the Model Form This is a guide for practitioners to using the Model Informed
Aetna HealthFund Health Reimbursement Arrangement Plan
Aetna HealthFund Health Reimbursement Arrangement Plan Innovation in health benefits, giving you Greater control of your health care spending. A new way to save for future medical costs. Tools to help