The Aetna Fertility Discrimination Class Action alleges that Aetna’s health insurance policies discriminated against LGBTQ+ individuals by denying equal access to fertility treatments. Specifically, the lawsuit claims that Aetna required LGBTQ+ members to pay out-of-pocket for multiple cycles of intrauterine insemination (IUI) before qualifying for coverage, whereas heterosexual couples received immediate coverage after a period of unprotected intercourse.
Who Qualifies for a Payout in This Settlement?
You may be eligible for a payout if you were an Aetna member whose file contains a denial of a claim or precertification request for artificial insemination or in vitro fertilization (IVF) codes between September 1, 2017, and May 31, 2024. The settlement categorizes class members as follows:
- Category A: Individuals identified through discovery who sought and were denied coverage due to Aetna’s definition of infertility and were in an eligible LGBTQ+ relationship during the class period.
- Category B: Individuals who sought and were denied coverage due to the definition of infertility but for whom Aetna lacks sufficient information to determine their relationship status.
- Category C: Individuals who did not submit precertification or claim requests during the class period despite undergoing artificial insemination.
- Category D: Individuals whose member files contain a denial of a claim or precertification request for artificial insemination or IVF codes, but whose denial was later reversed.
Is It Necessary to Provide Proof (or Proof of Purchase)?
Yes, claimants must submit a completed claim form along with supporting documentation, such as medical records or correspondence with Aetna, verifying the denial of coverage for fertility treatments.
What Amount Can I Receive from This Settlement?
Eligible class members can receive a default payment of $10,000. Additionally, a $2,300 payment is available if Aetna has not reimbursed expenses related to artificial insemination that should have been covered. Combined, these payments total approximately $12,300. The exact amount may vary depending on the number of valid claims submitted.
How Can I Submit My Claim?
To submit your claim, complete the claim form and provide the necessary documentation as outlined on the site.
Important Dates
- Claim Filing Deadline: August 26, 2025. Ensure your claim is submitted by this date to be eligible for compensation.
For more detailed information and to access the claim form, please visit the official settlement website.
