Which Insurance Covers IVF?

Undergoing fertility treatment can be emotionally and financially draining, and suitable fertility insurance can remove some of the stress. This article will cover some of the best IVF insurances.

As per the Center for Disease Control, infertility is a typical problem. Around 9% of men and 11% of women of reproductive age in the United States have had fertility problems. Most of these situations have led the couple to go for an IVF. So which insurance covers IVF? Fertility insurance is health insurance that provides coverage for the diagnosis, procedures and treatments required to assist parents-to-be who are finding it difficult to conceive or to carry a child to term. Fertility insurance is not generally a separate health insurance policy. However, it is covered under health care plans by numerous health insurance providers. Presently, seventeen states have laws which make it mandatory for health insurance providers to provide cover for fertility treatments. Nevertheless, since it is not necessitated in all states, not all insurers cover treatments, and some might cover a limited number of treatments or only specific types of treatments.

How to get IVF covered by insurance?

Ask your employer for benefits

If your company does not already provide fertility insurance that covers IVF, directly asking for it may seem like a bold step. However, certain employers take the advice of the insurance brokers they work with. They do not know that they have the option to ask brokers to add coverage for fertility treatment. They can ask their broker to:

  • Give two health plans to their employees; one that provides the benefit of IVF and another that does not.
  • Look for an IVF rider benefit to add to their current plan.
  • Replace a plan that an employee already has, with one that gives IVF benefits.

Do not hesitate before telling your employer that you need IVF insurance. In some situations, employers need to hear from their employees.

  • Employers are either self-insured (insurance organizations handle the benefits, but the employer covers the claims) or fully insured (insurance organizations handle benefits and also cover the claims). Self-insured employers are determined to offer IVF coverage after they learn the cost savings associated with providing benefits.
  • Employers need to be competitive so they want to know the type of coverage and benefit packages that other organizations are offering.
  • If more employees contact their Human Resource Departments, employers will be able to better comprehend the need for IVF insurance. Moreover, they would make sure that there is no limitation to the range of coverage provided.
  • You are how the employer will know that there is a need for IVF coverage.

With adequate infertility benefits, patients tend to transfer fewer embryos in an IVF cycle. The healthcare cost associated with a singleton pregnancy (through birth) is estimated to be $21,458. For twins it is around $104,831 and for triplets it is approximately $407,199. There are also savings in mental health benefits. When employers are told that this could apply to 1 in 6 employees, they think about it more seriously.

Ask your insurer for coverage

While requesting for coverage, your own story will make your request for extra advantages (called an Exemption of Benefits or Predetermination of Coverage) memorable. With a letter from your primary care physician and extra examination, you should attempt to persuade the insurance organization that you are a good investment with a good possibility of success (you have more than a 5% chance of live birth), have a clinical requirement (IVF is your only choice), and can save them cash (patients with IVF benefits have more singleton births). These reasons will help legitimize making a mutually beneficial solution for everybody.

Numerous individuals think that the insurance inclusion they are offered is limited. However, you can request for special consideration. The objective is to make the insurance medical director’s work simple in order to abrogate the organization’s policy and provide you with benefits. You can remind the insurance provider that IVF benefits give access to cheaper health care, which empowers patients to make choices regarding their treatment, based on medical recommendations instead of financial concerns.

You can share research showing that without insurance benefits, patients will in general transfer numerous embryos, which will build the odds of high-risk pregnancies and premature births. There are quotes from insurance organization medical directors who define a clear boundary between insurance providers offering IVF benefits and significant savings on the maternity and neonatal side. These facts can be looked up on Google, or within The Policymaker’s Guide to Fertility Health Benefits.

Purchase non-group insurance

You can find a non-group insurance or a non-group plan (or individual plan not offered through an employer) that gives IVF benefits. These plans have a heavy monthly premium. However, it is way less than paying out-of-pocket for a full IVF cycle. So remember that such plans do exist. States either have assigned companies or an insurance department to assist shoppers with exploring the available insurance plans to figure out which one will work best. To find out your state resources you can search for “organization to find a health insurance plan (name of state)” and/or  “(name of state) insurance department.” You can do a quick online search for the insurance branch of each state. Usually, you can apply for these plans if there has been a major change in your life (business, family, and so on) or during a yearly open enrollment period.

Participate in clinical research trials

Applying for a fertility clinic research spot is another alternative for paying for treatment. Fertility centers often look for patients for clinical preliminaries. The treatments and discounts offered by centers can change. You can look online or visit certain websites, for example, centerwatch.com or clinicaltrials.gov to discover preliminaries by condition and area. Once you have found a research trial that intrigues you, you need to apply. In case you are selected to take part, read the fine print of the agreement. You need to ensure that you clearly get what your responsibilities are and what the clinic is offering prior to signing up. Those taking an interest get a huge advantage while helping advance health care.

Seek employment from a company that provides infertility coverage

A few people assume that they will be guaranteed insurance coverage in the event that they live in a state with an infertility mandate. While there are states with laws requiring completely insured employers to give IVF inclusion, self-insured businesses can choose not to offer this advantage. What makes a difference is the state where the employers’ headquarters are found and which organizations gave insurance benefits.

For instance, suppose you live in Arizona, a state without mandated advantages, and work for CVS. CVS has its headquarters in a state with a law requiring IVF benefits, which implies that you will have benefits despite the fact that you live in Arizona. Fortunately numerous organizations offer advantages, from retail (TJ Maxx), banking (Bank of America), to technology (Apple). In principle, everybody ought to have the option to get a job where they can apply their range of abilities in an organization that provides benefits.

Not all organizations offer a similar range of advantages. One organization may intentionally give $15,000 in inclusion to use toward IVF while others might contribute $4,000 or up to six IVF cycles. Often you can gather considerable data on which benefits various employers offer by taking part in online forums and looking over your own local community. Discussions can be found on Facebook or other online networks. In case you are not able to find a full-time occupation with IVF inclusion, you can apply for a part-time job where it is offered. Pregnantish has featured the story of Christian Borrero-Colon, a US serviceman who accepted a position with Starbucks only to get infertility insurance coverage.

What is fertility insurance used for?

Many people find it hard to become pregnant without help and therefore, require fertility treatments. The need for such treatments could be becuase of infertility or because the person is in a same-sex relationship or is single. Fertility insurance provides coverage for the cost of conceiving a child for individuals who cannot do so naturally. Fertility insurance coverage is precisely based on the individual policy and the location. Coverage may include the following treatments:

  • Egg and sperm donation
  • Intrauterine insemination (IUI) to pass sperm into the uterus
  • In vitro fertilization (IVF) which fertilizes an egg outside the body then returns it to the uterus
  • Surgery to correct a blocked epididymis in men
  • Surgery to remove blockages in the fallopian tubes, or uterus
  • Taking medicine to encourage regular ovulation
  • Using hormones to stimulate ovulation or improve fertility in men

The laws surrounding fertility insurance are pretty complex and may be unique to a specific state. For instance, in Utah, insurers who give maternity benefits, also need to provide services for adoption and infertility treatments. In Minnesota, fertility drugs that are particularly used to boost fertility are not covered. People looking for fertility insurance coverage should thoroughly know the state laws in their area and the individual company’s coverage.

Are there any services that fertility insurance does not provide coverage for?

Policy avoidances rely upon area and the orders that apply in that state. Nineteen states have passed fertility insurance inclusion laws: Arkansas, California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas, Utah, and West Virginia.

The vast majority of these states incorporate inclusion for IVF treatment. However, in California, Louisiana, Montana, Ohio, Texas, and West Virginia, IVF is usually excluded, as is intracytoplasmic sperm injection (ICSI) and zygote intrafallopian transfer (ZIFT). Remember that you might be covered to diagnose but not treat infertility.

Regardless of whether there is IVF inclusion, it may exclude cryopreservation and storage for the embryos. Most policies, independent of area, exclude services that include sperm or egg donors, surrogacy, and treatment to reverse voluntary sterilization.

Does any insurance company cover IVF?


UnitedHealthcare provides affordable health care coverage via a broad network of care providers in 50 states that, based on your state and plan,  includes fertility insurance. This organization offers inclusion for things like ovulation induction (for women up to the age of 44), insemination procedures, artificial insemination, intrauterine insemination, and assisted reproductive technologies. All required treatments in states that necessitate specific types of fertility coverages are covered. Certain types of treatments like paying for donor eggs and sperm, as well as long-term sperm, egg, or embryo storage, are excluded.

UnitedHealthcare has a network of over 1.3 million medical providers and 6,500 medical facilities. Your plan expenses, deductible, and copay options will be based on what plan you choose, your state, and the level of coverage you choose.The provider usually pays around 80% in cost-sharing plans, which implies that you would have to pay for 20% of covered fertility services. UnitedHealthcare allows you to handle your care and payments through a smartphone application, making it easier to connect with fertility specialists. A well-respected insurer, UnitedHealthcare was established in 1977, and in 2020, AM Best gave it a financial strength rating of A-.


Cigna offers a comprehensive exhibit of assisted reproductive technology coverage, including IVF, through a large number of its plans. Moreover, it gives coverage for diagnostic tests like hysteroscopies, semen analysis, and testicular biopsy. Fertility treatments like ovarian reserve testing, tubal recanalization, assisted embryo hatching, gamete intrafallopian transfer, and testicular treatments and surgeries are approved techniques most of the time.

Cigna offers individuals a huge network of suppliers and has a smartphone application to assist individuals with handling their care. Medicare plans, group plans, and individual and family plans through the health care insurance marketplace are offered in 10 states (Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia). Your deductible and qualification for fertility coverage will rely upon the plan you have and the state you live in. Established in 1981, Cigna has gained notoriety for giving comprehensive care at an affordable cost. AM Best as of now rates them A for their financial strength and claims-paying ability.


Its broad online library of tools, recordings, and resources around infertility will assist you with learning about fertility care and how to get to it. While Aetna’s plans vary on what they cover, if your plan covers infertility, you can get treatment for things like diagnostic tests including physical exams and treatments like in vitro fertilization, assisted reproductive technologies, and artificial insemination. They exclude individuals trying to get pregnant at over 40 years of age, from some of their fertility healthcare.

Aetna has a rating system that distinguishes few fertility care offices as Institutes of Excellence (IOE). This is a restricted network of facilities and suppliers who have an extraordinary history of providing fertility care with positive outcomes. Altogether, Aetna’s network has 1.2 million health care experts, more than 690,000 doctors and specialists, and more than 5,700 facilities.

Aetna does not offer individual and family plans on the health care coverage marketplace. They just offer Medicare, Medicaid, and employer-sponsored plans. These plans incorporate HMO, PPO, POS, EPO, and HDHP plans where your deductible and copays vary by plan. They have an application that assists you with handling with your care to make exploring your coverage simpler. Established in 1852 and having its headquarter in Hartford, Connecticut, Aetna works in 50 states and Washington, D.C. The organization got an A rating from AM Best in the category of financial strength.


Wellcare offers Medicaid and Medicare coverage that also incorporates some fertility coverage. Its coverage supports individuals who experience infertility between the ages of 21 and 44. They cover fundamental infertility services like semen analysis, endometrial biopsy, treatment of ovulatory dysfunction, and testis biopsies. They also cover comprehensive infertility services like pelvic ultrasounds, laparotomy, and artificial insemination. They do not cover things like in vitro fertilization, donor ovum or donor sperm, storage expenses, or reversals of vasectomies.

Wellcare has a network of more than 571,000 health care experts that they work with across the country. They sell plans in each of the 50 states, and your plan premium and deductible will vary contingent upon your state and the arrangement you pick. They have a smartphone application to assist you with handling your care. Established in 1985, Wellcare is known for giving great care to its individuals. The National Committee for Quality Assurance (NCQA), which is an accreditation association that rates health plans, gave WellCare a rating of 2.5 to 3.5 out of 5.0 in 2020.


They give the most comprehensive and premium coverage out of any plans on this list. An independent policy to assist employees with their fertility battles, Progyny gives benefit bundles to employers who want to select and keep employees with appealing fertility coverage. Progyny is a good plan since its methodology centers around results rather than on diminishing expenses. Numerous health plans start with cheaper procedures, yet Progyny permits its patients and their PCPs to choose the best strategy for treatment and gives them access to the assisted reproductive technologies that they need in order to conceive and have a kid without having to prove that cheaper treatments did not work.

Each member requiring fertility treatment is allotted their own Patient Care Advocate who assists them with organizing appointments, offers emotional help, and answers their treatment questions. The plan often incorporates medicines for fertility treatment with next-day medication delivery. Progyny works with more than 900 fertility suppliers at more than 650 offices across the nation, which is the biggest national fertility network for a supplier of its sort. They additionally offer custom application support to assist you with learning more about fertility and handling your mental and emotional health during your fertility venture. Established in 2008, Progyny is a recent addition to the fertility insurance market. However, it gives a customized fertility experience to those whose employers offer the arrangement. Conspicuous organizations offering Progyny’s services as advantages incorporate Google and Apple.

Which healthcare plans cover IVF?


  • Coverage Limit: Not stated online
  • States Available: 50 states


  • Policy Types: HMO, PPO, EPO, POS, SNP, PDP
  • Coverage Limit: Not stated online
  • States Available: 10 states


  • Policy Types: HMO, PPO, POS, EPO, HDHP
  • Coverage Limit: Not stated online
  • States Available: 50 states and Washington, D.C.


  • Policy Types: HMO, PPO, PFFS, D-SNP, C-SNP, PDP
  • Coverage Limit: Not stated online
  • States Available: 50 states


  • Policy Types: 1
  • Coverage Limit: No stated limit
  • States Available: 50 states

Which states cover IVF insurance?

Since the 1980s, 17 states — Arkansas, California, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia — have passed laws that expect insurance providers to cover or offer coverage for infertility diagnosis and treatment. Of those states, 15 have laws that require insurance agencies to cover infertility treatment and two states — California and Texas — have laws that require insurance agencies to bring to the table coverage for infertility treatment.

Why is IVF not covered by insurance?

In states with no infertility coverage command, most insurance plans do not assist much with payment for fertility and IVF services. IVF insurance coverage is more uncommon than coverage for fertility benefits other than IVF. This is because IVF costs more than other infertility testing and treatments. In spite of the fact that fertility treatments are costly, more normal health care coverage plans are beginning to cover them. One of the reasons for this is because 17 states have now made it necessary that fertility treatments should be covered. More states are also moving to administer fertility coverage. In states that do not have these commands, you may have to get a more costly approach to get fertility treatments covered. The amount you will pay differs significantly, yet it is commonly more affordable than paying for the fertility treatments out-of-pocket since only one cycle of IVF costs an average of $12,000. Numerous individuals who do not have coverage take out an IVF loan to take care of the expenses.

How much does fertility insurance cost?

Fertility insurance goes under the umbrella of general health care insurance strategies. Assuming you need to enroll in a health plan, there will be related expenses. For instance, monthly premiums for health care coverage start at around $300 each month for fundamental coverage, which increases to $2000 each month for broad coverage.

When you go to an appointment for covered fertility services, you will need to contribute to the expense. This can be a set amount of copay, for example, $25 for a doctor’s visit or coinsurance, which is a percentage of the total, commonly around 20%. Every year you should pay a specific amount of cash before the medical coverage starts to pay. This is known as the deductible. Some insurance policies, particularly at the more expensive ones, may have a zero deductible. With the essential policies, you might be expected to pay around $7,000 before the coverage starts.

The costs associated with infertility treatment are staggeringly variable and can be costly, contingent upon the services required. Thus, numerous insurance providers avoid giving coverage except if necessitated. The Kaiser Family Foundation states that the average cost for effective IVF treatment with a donor egg could cost more than $72,000. In comparison, IUI is considerably less expensive at around $300 to $1,000 without insurance. Due to the high expenses included,make sure to carefully check what your cost-sharing sum would be in the policy documentation.


Fertility insurance is by and large offered through an ordinary individual and family, group, or government-sponsored health plan. Notwithstanding, in the event that you buy an individual or family health plan through the health insurance marketplace, you can pick one that offers fertility services. A few people needing fertility coverage will likewise buy a different private health insurance policy through the health insurance marketplace that offers full medical services coverage however has better coverage of fertility treatments on top of the health care coverage their employer offers them. Some employers additionally offer fertility-only coverage as a feature of their benefits bundle, however these plans are not offered to people. Trying to find health insurance that covers fertility treatment can be tedious and confounding. Strategies vary as indicated by state law and even organizations that give coverage might restrict this to diagnosing fertility issues as opposed to treating the issue.

John Otero

John Otero

John Otero is an industry practitioner with more than 15 years of experience in the insurance industry. He has held various senior management roles both in the insurance companies and insurance brokers during this span of time. He began his insurance career in 2004 as an office assistant at an agency in her hometown of Duluth, MN. He got licensed as a producer while working at that agency and progressed to serve as an office manager. Working in the agency is how he fell in love with the industry. He saw firsthand the good that insurance consumers experienced by having the proper protection. John has diverse experience in corporate & consumer insurance services, across a range of vocations. His specialties include Major Corporate risk management and insurance programs, and Financial Lines He has been instrumental in making his firm as one of the leading organizations in the country in generating sustainable rapid growth of the company while maintaining service excellence to clients.

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