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.
第二に、規則に従って、あなたの健康保険は、「完全に被保険者の事故のグループポリシーと健康保険(must be a fully-insured group policy of accident and health insurance)または25より大きいグループのHMOの契約でなければならない "そして、あなたは個人的に行う必要があります。