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Health Insurance for Infertility Treatment (including IVF)

While many patients have insurance coverage, the extent of coverage varies widely, and figuring it out can be quite challenging. Often clinics will have a financial coordinator on staff who acts as patient advocate that can help patients decipher the ins and outs of their insurance coverage. It's important to know exactly what is covered before you start testing and treatment.

Some U.S. states have laws that pertain to insurance coverage related to infertility. The laws vary by state.

The Employment Retirement Income and Security Act of 1974 exempts companies that self-insure from state regulation.

This page provides information about standard health insurance for infertility treatment, including IVF.

• State Infertility Insurance Laws - by ASRM, the American Society for Reproductive Medicine
     
• Insurance Carriers That May Offer Infertility Treatment Coverage to Employers in the U.S. - from INCIID - Last updated Fall 2004

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