The Difference Between State Mandates to Cover and to Offer Infertility Insurance Coverage

Out of the 15 states that have mandated coverage of infertility in health insurance policies, only California and Texas have mandates to offer coverage in health care policies. What this means to a couple dealing with infertility is that their employer has the option to purchase health insurance that offers some coverage for infertility testing, diagnosis and treatment, but they are not required to buy such insurance.

There are many factors that go into the choice of which insurance policy or policies to purchase and offer to employees, price being one of them. If you live in California or Texas and your employer’s choice of insurance coverage does not include any infertility coverage, you should talk to your human resources manager or the manager of benefits and find out if it would be possible to have the company offer additional health insurance policy options with at least one of them offering infertility coverage.

The company may not want to offer such insurance if their costs will be going up, especially if they believe that only one or two employees want such coverage. So go a little grass roots and find out if your co-workers would be willing to pay more for such coverage, and ask them all to ask for it as an option in future insurance offerings. You may be surprised at how many co-workers would like such coverage and your company may surprise you and offer additional choices in insurance coverage in the future.

That leaves us with 13 states, listed just below along with some information, that have mandates to cover. Depending on the wording of the law for each state, health insurance policies and/or HMOs that offer anything from basic coverage to maternity coverage, must also cover some infertility testing, diagnosis and treatments. Basically, a mandate to cover is just that, they must cover “something” where infertility is concerned and many of the state laws state specifically what must be covered too.

  • Arkansas – HMOs and self-insurers exempt; all individual and group policies that cover maternity must cover
  • Connecticut – Self-insurers and religious organizations exempt; all individual and group policies must cover
  • Hawaii – Self-insurers exempt; all individual and group policies must cover
  • Illinois – Self-insurers, religious employers, and companies with fewer than 25 employees exempt; all group and HMOs that cover pregnancy must cover
  • Louisiana – Self-insurers exempt; cannot exclude coverage just because condition results in infertility
  • Maryland – Self-insurers, religious employers, and companies with fewer than 50 employees exempt; all individual and group policies that cover pregnancy must cover
  • Massachusetts – Self-insurers exempt; all insurers that cover pregnancy must cover
  • Montana – Self-insurers exempt; HMOs required to cover as basic health care
  • New Jersey – Self-insurers, religious employers, and companies with fewer than 50 employees exempt; group insurers and HMOs that cover pregnancy must cover
  • New York – Self-insurers exempt; group policies must cover testing and diagnosis
  • Ohio – Self-insurers exempt; HMOs required to cover as basic health care
  • Rhode Island – Self-insurers exempt; individual and group policies and HMOs that cover pregnancy must cover
  • West Virginia – Self-insurers exempt; HMOs required to cover as basic health care

A state mandate to cover means that unless a business’s group, and in some cases individual, health care insurance is exempt, some form of infertility coverage must be included in the policy. On the flip side of the issue is the state mandate to offer, which only means that the insurance company has to offer for sale a policy that includes infertility coverage, but the business is not required to purchase that coverage. Knowing not only what your insurance policy states is covered, but also what your state’s mandate is, can help you when navigating the world of infertility and insurance coverage.

How to Find the Best Illinois Homeowners Insurance Coverage

How does one find the best Illinois homeowners insurance coverage?The state of Illinois is perhaps one of the most populated in the nation and this means that there are always people looking for homeowners insurance coverage. With so many companies and so many types of coverage in the market, it is always important to have a clear idea of what you want to have and how much coverage you need in order to have a good experience when filing a claim in your favor. Below you will see Illinois homeowners insurance coverage options explained along with the many things that trouble customers about the industry.

Home Insurance Definition In Illinois Homeowners Insurance Coverage

Before we actually try to explain each of the types of coverage associated with a policy in the state of Illinois, it is important to know what homeowners insurance is about and what it means. Usually you need home insurance if you do not own a house and are still paying mortgage. Is the way in which a bank protects itself and you by securing your assets in case of an unexpected accident or a natural event. Homeowners insurance is simply an accord between an insured and a insurance company in which the insured gets a certain amount reimbursed when filing a claim about an accident or the destruction of the residence.

Types Of Policies Containing Different Illinois Homeowners Insurance Coverage Options

There are many different policies that a person gets to see when he or she is shopping for homeowners insurance in Illinois. It is important for the person to get the right one because this will protect them and have them in better shape for the future. Below you will see perhaps the most common of the homeowners insurance policies, each with different coverage according to the Illinois Division of Insurance.
HO-2 (Broad Form): This is perhaps the simplest of the policies and it only covers what is specified within the policy.

HO-3 (Special Form): This is what most people get when they are searching for homeowners insurance because is the one that best fits their needs. The policy simply covers the property and liability coverage for the home, the loss of using your home and other structures. It covers you through all the risks specified in the policy plus personal property.

HO3/HO5 (Comprehensive Form): This type of policy simply covers most of what is excluded in your policy, giving the insured a little bit more peace of mind. One thing to say about this insurance type is that is a little bit more expensive than the others ones and is not offered by every single insurance company.

HO-4 (Tenants Form): This simply provides coverage for a renter’s living expenses, personal property and liability.

HO-6 (Condominium Form): This is a specific type of policy that covers condo owners. It simply allows them to be protected for their personal property plus any alteration made to the inside of the property. They can also buy more so that it protects liability and other property not included in the previous policy.

HO-8 (Modified Coverage Form): This may be what people that own an old home are looking for. The policy simply provides coverage when the old residence replacement costs way more than the houses market value.

Types Of Illinois Homeowners Insurance Coverage

Now that we know the different types of policies with the coverage that they each give to the customers, it is important to dig a little deeper in order to see the exact things that are included in a standard Illinois homeowners insurance policy. The four main types of coverage will be listed below with a brief explanation of what they mean.

1. Coverage for the Structure of your Home: This is perhaps the reason why most people are out there looking for home insurance, to protect their dwelling. The coverage for your home’s structure can be a little tricky because depending on what you add to the cost, your premiums will be higher. Most experts simply tell customers to add to this coverage the market value price of the residence plus any construction prices that you see indicated. Do not add the cost of the land unless you have money to pay higher premiums.

2. Coverage for your Personal Assets: Your IL home insurance company will also give you coverage for the possessions that you have inside of your home. The reason for this is that they understand that under a house fire or a hurricane a person will not be able to take most of their priced assets out of the home. Each insurance company varies in the way that they handle the amount to be distributed in this particular coverage, however it is known that most companies give you from 50% to 70% the price of your residence. Another good thing to highlight about this coverage is that your personal possessions will be covered by the home insurance company anywhere in the world!

3. Liability Coverage: This is a coverage that very recently entered the market simply to evade the owner of the house being sued after a friend or a person gets injured in the property. What this coverage really does is have the person injured make the claim to the home insurance company instead of the owner of the home. This means that they will be associating with the insurance company directly and they won’t have any contact regarding money with the owner of the house.

4. Cost of Additional Living Expenses: This is perhaps the last coverage that a policy in the state of Illinois may have. It simply refers to the living expenses a person needs at the time of the repair or after the destruction of the residence. It is the insured who picks the value of this part of the policy, so make sure that you think about it in a timely manner. Things included under this are transportation, hotel fees and other things of that magnitude.

Disasters That Should Be Provided For With Illinois Homeowners Insurance Coverage

These are just some of the many accidents or natural disasters that a home insurance company in Illinois should cover:

Fire
Lightning
Windstorm
Hail
Falling Objects

Note: Flood insurance is not typically covered automatically under an Illinois homeowners insurance policy without purchasing an additional rider.

Compare Quotes To Find The Cheapest Illinois Homeowners Insurance Coverage

As you can see there is no reason why you can’t have the homeowners insurance coverage of your choice in the state of Illinois. Now that you are more knowledgeable of the types of coverage and what they entail go ahead and give it a try.