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How To Determine If The State Mandate Affects You

 

On June 30, 2018, Delaware became the 16th state to require commercial health plans sold in the state to include benefits for fertility care and the 4th state to require that these plans also include benefits for fertility preservation.

Employee-Sponsored Plans

In order to determine if the law impacts your employer-sponsored health insurance plan, confirm that your employer meets the following requirements:

  • Employer is based in Delaware;
  • Has 50 or more employees; and
  • Does NOT self-insure

Once you have determined whether or not your employer meets these requirements, please note there are some variables. One of the largest variables is that until you receive your annual enrollment information on your health insurance plan for the next enrollment year, it cannot be determined what your out-of-pocket cost will be for treatment should you qualify for coverage. This is because your deductible and your out-of-pocket max are determined at this time by your employer. While the law ensures that it is standard for any type of treatment (all medical treatment including IVF, and that IVF cannot be subject to a different deductible i.e. carve-outs) the actual amount will still be given to you by your employer when they inform you about your insurance plan(s).

If you believe your employer meets these requirements, and you are being told fertility benefits are not covered, please email rad-billing@radfertility.com and we will connect you with a fertility insurance advocate to help.

Marketplace Plans

All individual health insurance plans sold on the Delaware Health Insurance Marketplace include fertility care and preservation coverage defined by Delaware’s Fertility Care and Preservation Law. Open enrollment for 2020 coverage has ended but you may still be able to enroll or change plans if you qualify.

More Patient Resources

IVF Success Rates

We lead the way through research and innovation contributing to nationally recognized success rates.

Community Organizations

We have compiled a list of resources aimed at helping patients navigate their fertility journey.

Injection Training

Patients on their fertility journey will often have to administer medication through injection at home.

Patient Reviews

Read from our own patients and hear their stories about their experience at RADfertility.

RAD Patient Support Group

Women from all stages of treatment are welcome to the RAD Patient Support Group led by Lindsay Griffin, LCSW.

Making A Difference

The Making a Difference series highlights the dedicated organizations and individuals in the community available to help you on your journey.

Nicole C. G.

★★★★★

"We had a wonderful experience working with RADfertility. Our doctor was so sweet, informative and helpful with all of our questions. The front desk, it’s always nice to be greeted by a friendly smiling face."

Jessica

★★★★★

"RAD heard my hopes, dreams, and wishes and led me toward them while holding my hand. My dream came true. I was guided to a beautiful baby girl! It took less than a year for my pregnancy to begin and it was successful. This was the best decision I ever made. Thank you, RAD!"

Christa C.

★★★★★

"From the beginning our team was determined to find a way for my husband and I to complete our family. All the RAD staff was knowledgeable and truly cared for us. We wish we could have continued with them after our baby hit 12 weeks. We thank them daily in our prayers for giving us our beautiful baby girl!"

Shaun

★★★★★

"We will be forever grateful for the wonderful care we received at RAD! Dr. Feinberg took the time to listen and create a plan we were comfortable with. The whole team was amazing and truly care about their patients. You have exceeded our expectations. Thank you!!"

Jaqueline M.

★★★★★

"Thanks to RADfertility, we have the most perfect addition to our family. The help and support the whole staff gave us was indescribable. We never once lost hope because of them. We will be forever grateful to each and every person we worked with during our journey."

Hira

★★★★★

"Dr. Neithardt was amazing. She explained in great detail all the options we had and put us at ease about the entire process. Everyone has been amazing and I have absolutely no complaints. Today I am 17 weeks pregnant and we only have Dr. Neithardt and her wonderful team at RAD to thank."

Michelle H.

★★★★★

"They are the most amazing team of doctors and care coordinators. After having started at another facility I was so happy to come to RAD. They are truly amazing, never make you feel like just a number and have empathy and compassion every step of the way. They also get the job done! Thanks RAD!"

Anonymous On FertilityIQ

★★★★★

"Dr. McGuirk is a very holistic doctor. She doesn’t just treat the fertility issues. She also points out personal health ideas (juicing, whole 30) to help heal/treat the whole patient. She is honest and open. Be open minded and trust in her process. This is a marathon, not a sprint! Dr. McGuirk will be with you the whole way."

Teresa P.

★★★★★

"I will never be able to put into words how thankful we are for RAD. Rhonda was there every step of the way as we were going through the process. Everyone was so welcoming and patient as we asked questions. We were blessed with a daughter, who is now three. I have already recommended and will continue to recommend RAD to people who need help growing their family!"

Newark Office

4735 Ogletown-Stanton Road
Medical Arts Pavilion 2
Suite 3217
Newark, DE 19713

Wilmington Office

Silverside Medical Center
2700 Silverside Road, Suite 2A
Wilmington, DE 19810

Dover Office

Eden Hill Medical Center
200 Banning Street, Suite 240
Dover, DE 19904

 

Phone: (302) 602-8822

Fax: (302) 602-8832

©RADfertility 2020