How To Determine If The State Mandate Affects You
On June 30, 2018, Delaware became the 16th state to require commercial health plans sold in the state to include benefits for fertility care and the 4th state to require that these plans also include benefits for fertility preservation.
Employee-Sponsored Plans
In order to determine if the law impacts your employer-sponsored health insurance plan, confirm that your employer meets the following requirements:
- Employer is based in Delaware;
- Has 50 or more employees; and
- Does NOT self-insure
Once you have determined whether or not your employer meets these requirements, please note there are some variables. One of the largest variables is that until you receive your annual enrollment information on your health insurance plan for the next enrollment year, it cannot be determined what your out-of-pocket cost will be for treatment should you qualify for coverage. This is because your deductible and your out-of-pocket max are determined at this time by your employer. While the law ensures that it is standard for any type of treatment (all medical treatment including IVF, and that IVF cannot be subject to a different deductible i.e. carve-outs) the actual amount will still be given to you by your employer when they inform you about your insurance plan(s).
If you believe your employer meets these requirements, and you are being told fertility benefits are not covered, please email rad-billing@radfertility.com and we will connect you with a fertility insurance advocate to help.
Marketplace Plans
All individual health insurance plans sold on the Delaware Health Insurance Marketplace include fertility care and preservation coverage defined by Delaware’s Fertility Care and Preservation Law. Open enrollment for 2021 coverage has closed.
More Patient Resources
IVF Success Rates
We lead the way through research and innovation contributing to nationally recognized success rates.
Community Resources
We have compiled a list of resources aimed at helping patients navigate their fertility journey.
Injection Training
Patients on their fertility journey will often have to administer medication through injection at home.
Patient Reviews
Read from our own patients and hear their stories about their experience at RADfertility.
RADfertility Patient Support Group
Women from all stages of treatment are welcome to the RADfertility Patient Support Group led by Lindsay Griffin, LCSW.
Making a Difference
The Making a Difference series highlights the dedicated organizations and individuals in the community available to help you on your journey.
Newark Office
4735 Ogletown-Stanton Road
Medical Arts Pavilion 2
Suite 3217
Newark, DE 19713
Wilmington Office
Silverside Medical Center
2700 Silverside Road, Suite 2A
Wilmington, DE 19810
Dover Office
Eden Hill Medical Center
200 Banning Street, Suite 240
Dover, DE 19904
Phone: (302) 602-8822
Fax: (302) 602-8832
©RADfertility 2021