Insurance Coverage
Costs can differ depending on your location, whether you’re using your own egg and sperm, and various other factors. We’re here to guide you through understanding your coverage, exploring insurance options, and finding financial assistance, so you can plan your fertility journey with confidence.
Insurance Coverage Map by State
Mandate to cover states
In these states, some or all insurance plans have to cover certain fertility treatments.
Mandate to offer states
In these states, 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 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.
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.
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