{"id":27066,"date":"2023-11-01T16:40:33","date_gmt":"2023-11-01T16:40:33","guid":{"rendered":"https:\/\/one.sightlinemg.com\/federaltimes\/uncategorized\/2023\/11\/01\/looking-for-infertility-coverage-in-fehb-plans-read-the-fine-print\/"},"modified":"2026-08-08T05:02:42","modified_gmt":"2026-08-08T05:02:42","slug":"looking-for-infertility-coverage-in-fehb-plans-read-the-fine-print","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/federaltimes\/home\/2023\/11\/01\/looking-for-infertility-coverage-in-fehb-plans-read-the-fine-print\/","title":{"rendered":"Looking for infertility coverage in FEHB plans? Read the fine print."},"content":{"rendered":"\n

Editor\u2019s note: This story was updated on Nov. 7 to include updated information provided by OPM. <\/i><\/p>\n\n\n\n

Insurance coverage for infertility treatments has been growing among carriers who supply millions of federal employees and their families with health care each year, though there remains some lingering costs to watch out for.<\/p>\n\n\n\n

This year, the Office of Personnel Management,<\/a> which oversees the Federal Employees Health Benefits program, stipulated that all carriers will cover procedures and associated drugs for intrauterine, intracervical insemination and intravaginal insemination. Carriers are also instructructed to cover drugs for three cycles of in-vitro fertilization each year, marking a significant step forward on covering an expensive procedure.<\/p>\n\n\n\n

How exactly plans are doing that, though, can vary. And if you expect not to pay anything out of pocket, you\u2019ll likely be disappointed.<\/p>\n\n\n\n

\u201cOne thing that\u2019s true is that just because a plan says they\u2019re going to cover something, there is still an enormous amount of out-of-pocket cost,\u201d said Kevin Moss, a benefits expert for Consumers\u2019 Checkbook, in an interview. \u201cOften their coverage is at a higher coinsurance. And what that cost share is for you varies greatly by the plan.\u201d<\/p>\n\n\n