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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 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 runs from November 1st of the current calendar year to January 15th of the next calendar year. You can also shop for a health insurance plan outside of that window of time—but only if you have a qualifying life event. Click here to learn more about qualifying events.

More Patient Resources

Research Studies

Our clinical trials offer the most advanced treatment available in addition to benefits such as significantly reduced costs for study medications and treatment.

RADfertility Patient Support Group

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

Community Resources

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

Making a Difference

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

Injection Training

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

Patient Reviews

Hear from our own patients and read their stories about their experience at RADfertility.

Covid-19 SafeJourney Plan

We have carefully developed protocols to assure high quality and protective care during the pandemic.

Peggy Sue O.


"I feel so lucky to have found RADfertility. I tried two other clinics before I expanded my search and found RADfertility. I drive an hour each way to go to them but I don’t regret a thing. They are so caring and so professional. Every time I message them they respond quickly. Every time I see them they have a friendly smile and warm welcome. They explain everything so well and I never feel lost in the process as I did elsewhere. They also took the time to figure out what was wrong. Other clinics threw up their hands, said 'I don’t know' and pushed me to try IVF."



"Dr. Feinberg and the entire staff at RADfertility are absolutely amazing. The receptionists, coordinators, nurses, and lab staff are compassionate, caring, and straight forward. I’ve had a 12-year infertility journey and I’ve tried other clinics but RADfertility was the only one I felt at ease with. They answered any questions that I had and were there any time I needed them. My coordinator, Amy, was the absolute best and always had my back. Dr. Feinberg’s dedication to his patients is incredible. You are not just a number there, you are a person with individualized needs and care."

Anupama P.


"The RADfertility team gives you so much emotional support and positivity that it adds to your strength and keeps you focused on the end goal - a healthy and happy baby."

Samantha G.


"My journey with RADfertility and Dr. McGuirk started when my husband and I were trying to conceive and were having difficulty. We went to RADfertility, where we met Dr. McGuirk. I always say she changed my life and 'fixed' me. Dr. McGuirk is always learning more about endometriosis and how to help her patients. She’s brilliant and truly cares for you! I’m eternally grateful to her and everyone at RADfertility for their unwavering support, love, and care."

Annette D.


"Every step of our journey was tailored to us. We were treated so respectfully. Every detail was clearly explained and we felt so comfortable. Rhonda Wright was a Godsend and inspiring. I highly recommend this place! I cried when my weekly appointments were done and I 'graduated.'"

Christie B.


"The staff and doctors are amazing. It will feel like home every time you walk in the door. They gifted us with our miracle baby and we couldn’t be happier. I will always recommend RADfertility above all others!"

Shannon M.


"RADfertility's staff has heart and provided me with exceptional health care. I knew I was in good hands and felt like we were in this together. The doctors and nursing staff always answered all of my questions and provided thorough information about all of my options. I am so fortunate and appreciative of the care that I received at RADfertility. They go above and beyond."

Megan L.


"I cannot begin to explain how wonderful RADfertility is. We were frustrated with trying to start a family and it not working for us. The entire team of doctors and nurses made us feel comfortable and hopeful that we would be parents. We experienced so many ups and downs but we never felt like we were on our IVF journey alone, we had our RADfertility team every step of the way. If you're looking for a supportive team on the IVF journey, look no further. RADfertility is the absolute best."

Anonymous on FertilityIQ


"Dr. Schillings always kept us informed and never gave up on us. She always explained our options and risks with each procedure. She called us personally when there were any issues or sensitive subjects to cover. Dr. Schillings was the first doctor that had answers for us and wanted to help us have our miracle baby!"

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