Aetna expands fertility services coverage amid political changes

Aetna, the third largest health insurance company in the U.S., announced an expansion of its fertility services coverage, specifically including intrauterine insemination (IUI) as a medical benefit for eligible plans. This policy change will take effect nationwide on September 1, 2024, and will be implemented on a rolling basis for most plans upon renewal. The decision comes in the wake of a discrimination lawsuit settlement regarding LGBTQ+ fertility coverage, highlighting Aetna's commitment to inclusivity in reproductive health services. The move is particularly significant as it occurs amidst a politically charged environment where reproductive rights have become a focal point in the upcoming presidential election. With the Supreme Court's decision to overturn Roe v. Wade two years ago, discussions around fertility treatments and their coverage have gained traction, especially among Democratic candidates. Aetna's updated policy is expected to benefit approximately 19 million members enrolled in its commercial and individual health plans. The company emphasized that this change does not require plan sponsors to make adjustments, as it applies automatically to eligible medical plans. Supporters of the policy have praised Aetna for reducing out-of-pocket costs, making it easier for individuals and couples, particularly within the LGBTQ+ community, to access necessary fertility treatments. This initiative reflects a broader trend among insurers to enhance fertility coverage, with some employer-sponsored plans already adopting similar measures. Aetna's proactive stance may influence other insurers to follow suit, potentially reshaping the landscape of fertility services in the U.S.