The Best Fertility Insurance of 2023

UnitedHealthcare wins best overall because it offers affordable health care coverage through an extensive network of care providers in 50 states. This can include fertility insurance depending on your state and your plan.

UnitedHealthcare offers coverage for ovulation induction for women up to age 44, insemination procedures, artificial insemination, intrauterine insemination, and assisted reproductive technologies. All treatments mandated by certain states are covered. But certain kinds of treatments like paying for donor eggs and sperm are excluded, as well as long-term sperm, egg, or embryo storage.

UnitedHealthcare has a network of more than 1.3 million medical providers and 6,500 medical facilities. Your plan costs, deductible, and copay options will depend on what plan you choose, as well as your state and the level of coverage you elect to carry.

UnitedHealthcare typically pays around 80% in cost-sharing plans, so you might have to pay for 20% of covered fertility services. It allows you to manage your care and payments via a mobile app, making it simpler to connect with fertility specialists.

A well-respected insurer, UnitedHealthcare was founded in 1977. AM Best gave UnitedHealthcare a financial strength rating of A+ (Superior) in December 2022.

Read the full UnitedHealthcare review.

Cigna is our winner for best IVF coverage because it offers a comprehensive array of assisted reproductive technology coverage through many of its plans, including IVF. Cigna provides coverage for diagnostic tests like hysteroscopies, semen analysis, and testicular biopsy.

Fertility treatments such as ovarian reserve testing, tubal recanalization, assisted embryo hatching, gamete intrafallopian transfer, and testicular treatments and surgeries are approved procedures in many cases.

Cigna offers members a large network of providers and has a mobile app to help members manage their care. Medicare plans, group plans, and/or individual and family plans through the health insurance marketplace are offered in 16 states: Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Mississippi, Missouri, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Virginia. Your deductible and eligibility for fertility coverage will depend on the plan you have and the state in which you live.

Founded in 1981, Cigna has built a reputation for providing comprehensive care at a reasonable price. AM Best rates it A for its financial strength and its claims-paying ability.

Read the full Cigna review.

Its extensive online library of tools, videos, and resources that will help you learn more about fertility care and how to access it helps Aetna earn the best additional resources spot.

Aetna’s plans vary on what they cover, but you can get treatment for things like diagnostic tests if your plan covers infertility. This includes physical examinations and treatments such as in vitro fertilization, assisted reproductive technologies, and artificial insemination. Aetna excludes from some of its fertility health care those who are trying to get pregnant over the age of 40.

Aetna has a rating system that identifies a small number of fertility care facilities as Institutes of Excellence (IOE). This is a limited network of facilities and providers who have a great track record for providing fertility care with positive results. Aetna’s network has 1.2 million healthcare professionals, over 690,000 specialists and doctors, and over 5,700 facilities.

Aetna offers individual and family plans on the health insurance marketplace, as well as Medicare, Medicaid, and employer-sponsored plans. These plans include HMO, PPO, POS, EPO, and HDHP plans where your deductible and copays vary according to which you choose. It has an app that helps you manage your care to make navigating your coverage easier.

Founded in 1853 and headquartered in Hartford, Connecticut, Aetna operates in 50 states and Washington, D.C. The company has an A financial strength rating from AM Best.

Read the full Aetna review.

Progyny provides the most comprehensive and premium coverage out of any of the plans on this list, giving it our top nod for assistive reproductive technologies. A standalone policy that helps employees with their fertility struggles, Progyny provides benefit packages to employers who are looking to recruit and retain employees with attractive fertility coverage. 

Progyny is a good plan because its approach focuses on results rather than reducing costs. Many health plans start with lower-cost procedures, but Progyny allows its patients and their doctors to decide on the best method of treatment. It gives them access to the assistive reproductive technologies they need to conceive and have a child without having to prove that less expensive treatments didn’t work. 

Every member who needs fertility treatment is assigned their own Patient Care Advocate who helps them coordinate appointments, provides emotional support, and answers their treatment questions. The plan sometimes includes medications for fertility treatment with next-day medication delivery. Progyny works with 900 fertility providers at 650 locations across the country, making it the largest national fertility network for a provider of its kind. It also offers resources for dealing with the emotional side of fertility issues and treatments.

Started in 2016, Progyny is a more recent addition to the fertility insurance market but it provides a customized fertility experience for those whose employers offer the plan. Progyny has over 370 client companies offering its benefits to over five million employees.