In vitro fertilization (IVF) has helped millions achieve their dreams of becoming parents, but the cost can be a major barrier—often exceeding $15,000 per cycle.
Fortunately, some medical insurance plans in the U.S. now offer IVF coverage, either fully or partially.
In this guide, we’ll explore how IVF insurance works, which providers offer it, what to look for in a policy, and what to do if you’re not covered.
Does Medical Insurance Cover IVF?
Yes, but coverage varies widely. Some plans cover only diagnostic testing for infertility, while others may include a full range of IVF services, such as:
Hormonal testing and consultations
Ultrasounds and bloodwork
Egg retrieval and fertilization procedures
Embryo transfer
Medications and hormone therapy
Cryopreservation (freezing embryos or eggs)
Important: Many plans impose restrictions based on age, number of IVF attempts, or required prior treatments like IUI (intrauterine insemination).
Top Insurance Providers Known to Offer IVF Coverage
Coverage is often available through employer-sponsored group plans or third-party fertility benefits providers partnered with insurance networks.
Insurance Carriers:
Aetna
Cigna
Blue Cross Blue Shield (varies by state)
UnitedHealthcare
Kaiser Permanente (in some states)
Fertility Benefit Providers:
Progyny
Carrot Fertility
WINFertility
These platforms work with employers to provide customized fertility benefits, including IVF, genetic testing, and support services.
Which States Require IVF Coverage by Law?
Several U.S. states mandate insurance coverage for fertility treatments, and a few specifically require IVF coverage, including:
Illinois
New York
Massachusetts
Connecticut
New Jersey
Rhode Island
Even in mandatedstates, exemptions may apply (e.g., small businesses, religious organizations, self-insured employers).
How to Find Out If You’re Covered
Check your insurance plan documents.
Look under sections labeled “infertility” or “reproductive services.”
Contact your insurer.
Ask if your policy includes IVF treatment, medications, and lab procedures.
Ask your HR or benefits manager.
Employers may offer enhanced fertility benefits through third-party providers.
Ask for a fertility benefits summary.
Some insurers provide this on request to clearly outline covered services.
What If IVF Isn’t Covered?
If your insurance doesn’t include IVF, consider these alternatives:
Flexible Spending Account (FSA) or Health Savings Account (HSA) funds
Financing plans directly through fertility clinics
Medical loans or fertility-specific credit programs
Grants and scholarships from fertility foundations
Clinical trials offering reduced-cost or free treatments
Tips for Maximizing Your IVF Coverage
Ask how many IVF cycles are covered.
Inquire if pre-authorization is needed.
Find out if you must meet criteria (e.g., duration of trying to conceive).
Stay in-network to minimize out-of-pocket costs.
Keep track of claim submissions and documentation.
Conclusion
Finding medical insurance that covers IVF can make a life-changing difference for families on the fertility journey. With more employers recognizing the importance of reproductive health, IVF coverage is becoming increasingly accessible—but it still requires research, questions, and planning.
Don’t be afraid to ask your provider or employer directly—your path to parenthood might be more supported than you think.