Let’s talk fertilityinsurance coverage

We’re here to help you understand your coverage, explore available insurance options, and discover financial support solutions so you can plan your fertility journey with ease.

Tips for navigating insurance

First, you’ll need a consultation with a fertility specialist.

Costs can vary based on location, whether you’re using your own egg and sperm or not, and several other factors.

Want to find a fertility specialist?

Use our finder tool to view different clinics.
Plus, get tips on how to work with your doctor.

Then, where you live matters.

Do you live in a state with mandate to cover or mandate to offer?
If YES, some or all insurance providers are required to offer insurance benefits for fertility treatments.

As of 2022, 20 states have fertility insurance coverage laws.

Mandate to cover means that some or all insurance plans have to cover certain
fertility treatments

Mandate to offer means that while insurance providers have to offer certain testing and treatment services, employers can decide which of those benefits, if any, to offer to people covered by their plan

What happens when you live in one state and work in another?

Generally, the state where your employer is located determines whether or not the state mandate applies to your employer-provided health insurance plan.

Next, identify what type of health insurance you have.

Public insurance

Public insurance includes government programs like Veterans Administration for people who’ve served in the armed forces and TRICARE, which covers current military personnel and their families
There are no federal mandates that require public insurance to cover infertility

Talk to your benefits provider to find out what services are covered for you

Private insurance

Private insurance includes commercial insurance companies, like Aetna^® and Cigna^®, among others; nonprofit insurance companies, like Blue Cross^®/Blue Shield^®; and self-insuring groups, like employers who pay benefit claims directly instead of using an external insurance provider
Self-insuring businesses are exempt from state mandates to provide or offer coverage. So, if your employer is self-insured, you should check with your HR representative or benefits manager to find out what’s covered for you

Ask your employer: What’s covered under my plan? What benefits do I have? How can I add benefits?

Check out the list of terms and phrases we put together to help you speak insurance lingo.

Don’t have adequate coverage?

Check to see if your fertility specialist’s practice offers cost-savings or financial programs
Look into how you can lower your out-of-pocket costs
Set up a meeting with your employer’s benefits coordinator or HR representative to discuss fertility treatment coverage and request changes to your plan
Explore a variety of options beyond health insurance, like grants and scholarships, to help fund your fertility journey

For more information around insurance coverage, check out RESOLVE.org

Are you ready to take the next step?

Explore fertility specialists in your area.