This is what i got from the Texas law
Tex. Insurance Code Ann. § 1366.001 et seq. (1987, 2003) requires that all health insurers offer and make available coverage for services and benefits for expenses incurred or prepaid for outpatient expenses that may arise from in vitro fertilization procedures. In order to qualify for in vitro fertilization services, the couple must have a history of infertility for at least five years or have specified medical conditions resulting in infertility. The law includes exemptions for religious employers.
Insurance Coverage for Infertility Laws
But also found
Texas Infertility Insurance Mandate Limitations
There are certain criteria that must be met in order for a Texas insurance plan to be required to offer coverage for IVF costs. According to Texas fertility treatment insurance law, the following conditions must be met in order for IVF costs coverage to be offered:
The IVF patient must be an individual covered under the group health benefit plan
The eggs for the IVF procedure must be fertilized only by sperm from the patient’s spouse
The IVF patient and her spouse must have a history of infertility of at least five continuous years of duration, unless the infertility is associated with any of the following conditions: endometriosis, in utero exposure to Diethylstilbestrol (DES), blockage or surgical removal of one or both of the fallopian tubes, or oligospermia (low sperm count)
The IVF patient has been unable to achieve a successful pregnancy through other less costly fertility treatments offered under the health plan
The IVF procedures are performed at a fertility clinic or medical center that conform to the IVF guidelines set in place by the American Society for Reproductive Medicine (ASRM)
Religious organizations who believe that IVF goes against their beliefs and practices are not required to provide coverage for IVF costs.
Texas Infertility Insurance Mandate