Infertility, or the inability to conceive after at least a year of regular and unprotected intercourse, is an existing dilemma that is faced by millions of couples all over the world today affecting the reproductive health (Vayena, Rowe, & Griffin, 2002, p. xv). By the year…
elated agencies and other private or public organizations, are working hand in hand to provide appropriate infertility treatment services to those who are identified as suitable recipients to respond to the increasing demand and need of such services; of course, putting emphasis on the existing state policies.
Texas is one of the states which mandate the provision of infertility insurance and services for the identified recipients. The existing policies regarding infertility and the provision of treatment services are covered by the Health Coverage of the Health Insurance and Other Health Coverages section of the Texas Insurance Code. According to Section 1366.001, these services are identified and must be provided by (1) an insurer, (2) a group hospital service corporation which provides nonprofit hospital services plan, (3) health maintenance organizations or HMOs, and (4) an employer, multiple employers, union, association, trustee, or other self-funded or self-insured welfare or benefit plan, program, or arrangement (“Insurance Code,” n.d.). The state insurance commissioner, furthermore, dictates the application of the enacted laws contained in the specific legislative statutes.
These particular statutes necessitate the organizations mentioned above as well as the state commissioner to offer coverage of in vitro fertilization (IVF) procedure, one of the assisted reproductive technologies (ART), to those under the group health benefit plan who are considered infertile, whether it be the employee who owns the plan or his/her spouse. In case the offer is rejected by the supposed recipients, the issuer of the services must ensure to put the refusal into writing. The institutions who are affiliated with any religious denomination are also not forced to offer such services especially if conflicting principles exist.
Despite the use of these services in several states such as California, Massachusetts, New Jersey and New York among others, the issue regarding ...
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