Be careful switching to a PPO in Illinois - check into the infertility coverage on the PPO first. Not only does the company have to have 25+ employees but it also has to be headquartered in Illinois and not be self insured. If the company doesn’t meet just one of those requirements, the mandate doesn’t apply and the plan doesn’t have to cover infertility... Unless there is an established HMO network.
Example - I live in IL. DH works for a large company that is not self insured (our insurance company is a major one). However, because DH’s company is headquartered in California and we have a PPO (only offered a PPO)... We have nothing. Not a single thing, diagnostic or otherwise, regarding infertility is covered.
Just a heads up to double check
