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Fertility insurance covers the diagnostics and treatments needed to help potential parents who are struggling to conceive or carry a child to term. Fertility insurance isn’t usually a separate health insurance policy but is covered under health care plans by many health insurers. Seventeen states have laws making it necessary for health insurance providers to cover fertility treatments. However, since it is not required in all states, not all insurers cover treatments, and some might cover a limited number of treatments or only certain types of procedures. This roundup will help readers find a health insurance policy that will provide them with the best coverage for fertility treatments.
The best fertility insurance provides you with coverage that allows for diagnostic testing and multiple treatment cycles, is available in many states, and has an affordable premium with reasonable deductible options.
Best Overall : UnitedHealthcare
UnitedHealthcare provides great fertility insurance, including coverage for things like insemination, surrogacy support, and ovulation induction, via a large network of providers that extends to all 50 states.
Offers coverage for egg and sperm retrieval for surrogacy
Covers ovulation induction
Reimburses some assisted reproductive technologies
Does not state how many fertility specialists are in the network
Does not cover long-term storage of sperm, eggs, or embryos
Does not cover long-term storage of reproductive materials prior to cancer treatment
UnitedHealthcare wins best overall because it offers affordable health care coverage through an extensive network of care providers in 50 states that, depending on your state and plan, includes fertility insurance.
UnitedHealthcare offers coverage for things like 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. Excluded are certain kinds of treatments like paying for donor eggs and sperm, as well as long-term sperm, egg, or embryo storage.
They have 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, your state, and the level of coverage you choose. UnitedHealthcare typically pays around 80% in cost-sharing plans, which means that you might have to pay for 20% of covered fertility services. UnitedHealthcare 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. In 2020, AM Best gave UnitedHealthcare a financial strength rating of A.
Read the full UnitedHealthcare review.
Best IVF Treatments : Cigna
Cigna provides cost-effective coverage that includes in vitro fertilization (IVF) in many of their plans, while also covering a significant number of diagnostic fertility tests and other fertility treatments.
Covers IVF and other rarely covered procedures
Covers a significant number of diagnostic tests
Offers some cryogenic coverage in certain states
Does not cover experimental procedures like vaginal microbiome testing
Does not cover reversal of voluntary sterilization
Surrogacy costs are excluded
Our winner for best IVF coverage because it offers a comprehensive array of assisted reproductive technology coverage, including IVF, through many of its plans, Cigna provides coverage for diagnostic tests like hysteroscopies, semen analysis, and testicular biopsy. Fertility treatments like 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 individual and family plans through the health insurance marketplace are offered in 10 states (Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia). Your deductible and eligibility for fertility coverage will depend on the plan you have and the state you live in.
Founded in 1981, Cigna has built a reputation for providing comprehensive care at a reasonable price. AM Best currently rates them A for their financial strength and claims-paying ability.
Read the full Cigna review.
Best Additional Resources : Aetna
Aetna is a well-known health insurance company that offers fertility treatment and a comprehensive host of resources to help you determine your likelihood of success with fertility treatment, find an infertility provider, and learn about fertility treatments via videos and other resources.
Helps you find a provider and facility that is a good fit for your needs
Has extensive online FAQs about infertility treatment
Rates infertility providers to help you find one that has a good track record
No online quotes or estimates
Does not offer plans through the individual and family health care marketplace
Excludes some treatments for those over 40 years of age
Its extensive online library of tools, videos, and resources around infertility that will help you learn more about fertility care and how to access it helps Aetna earn the best additional resources spot.
While Aetna’s plans vary on what they cover, if your plan covers infertility, you can get treatment for things like diagnostic tests including physical examinations and treatments like in vitro fertilization, assisted reproductive technologies, and artificial insemination. They exclude people trying to get pregnant over 40 from some of their fertility health care.
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 of providing fertility care with positive results. In total, Aetna’s network has 1.2 million health care professionals, over 690,000 specialists and doctors, and over 5,700 facilities.
Aetna does not offer individual and family plans on the health insurance marketplace. They only offer Medicare, Medicaid, and employer-sponsored plans. These plans include HMO, PPO, POS, EPO, and HDHP plans where your deductible and co-pays vary by plan. They have an app that helps you manage your care to make navigating your coverage easier.
Founded in 1852 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.
Best for Assistive Reproductive Technologies : Progyny
Progyny is a premium fertility insurance benefit that companies are able to offer their employees to provide them with the best access to assistive reproductive technologies. It provides coverage only for fertility treatments.
Covers the most effective treatments first
Access to 900 excellent fertility providers
All-inclusive coverage focused on outcome rather than cost
Does not offer other forms of health coverage
Is only available through employee group plans
Premium coverage, but at a premium price
They provide the most comprehensive and premium coverage out of any plans on this list, giving it the top nod for assistive reproductive technologies. A standalone policy to help 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 such a good plan because its approach focuses on results instead of on 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 and gives them access to the assistive reproductive technologies that they need to conceive and have a child without having to prove that less expensive treatments didn’t work.
Every member needing 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, which is the largest national fertility network for a provider of its kind. They also offer 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 provides a customized fertility experience for those whose employers offer the plan. Progyny has over 265 client companies offering its benefits to over four million employees.
The fertility insurance companies that made our list have different types and qualities of coverage for fertility treatment and diagnostics. Except for Progyny, all are part of larger health care plans with fertility services offered as part of that plan. Your coverage from some of the health care insurance providers on this list might vary depending on your state. However, all offer coverage options for those experiencing infertility.
Overall, we recommend UnitedHealthcare’s fertility insurance coverage because it offers affordable plans in 50 states that allow you to access good fertility care.
Compare the Best Fertility Insurance
|Company||Plans (type)||Providers In-Network (number)||Coverage Limits ($)||Deductible ($)||States Available (number)|
|HMO, HMO-POS, PFFS, PDP, D-SNP, PPO, EPO, POS, HDHP||1.3 million||Depends on your plan, ACA plans have no limit||Depends on your plan||50 states and Washington, D.C.|
Best IVF Treatments
|HMO, PPO, EPO, POS, SNP, PDP||Does not state||Depends on your plan, ACA plans have no limit||Depends on your plan||13 states|
Best Additional Resources
|HMO, PPO, POS, EPO, HDHP||1.2 million||Depends on your plan, ACA plans have no limit||Depends on your plan||50 states and Washington, D.C.|
Best for Assisted Reproductive Technologies
|Fertility-only coverage||900||No limit||Not stated online||50 states and Washington, D.C.|
How to Choose the Best Fertility Insurance
When choosing a fertility insurance provider, consider the following:
- Treatments offered: Some health insurance companies only offer fertility coverage in the states where it’s required by law, while others offer coverage in all states. Be sure to ask your insurer what treatments are covered before purchasing a policy.
- Providers in-network: You want to be able to see providers near you who have a good track record around fertility care. Make sure to ask an insurer what providers are in your area before purchasing coverage.
- Rounds covered: Fertility treatments don’t always work the first time. Make sure to ask your provider how many rounds of treatment they cover before signing up for a plan.
- Co-pays, limits, and deductibles: Fertility treatments are expensive. Before you decide whether to purchase fertility insurance, figure out how much you would be paying out-of-pocket for treatments through that plan.
Frequently Asked Questions
Can You Buy Just Fertility Insurance?
Fertility insurance is generally offered through a regular individual and family, group, or government-sponsored health plan. However, if you purchase an individual or family health plan through the health insurance marketplace, you can choose one that offers fertility services. Some people in need of fertility coverage will also purchase a separate private health insurance policy via the health insurance marketplace that offers full health care coverage but has better coverage of fertility treatments on top of the health insurance coverage their employer offers them. Some employers also offer fertility-only coverage as part of their benefits package, but these plans are not sold to individuals.
How Do I Know If Private Insurance Covers Fertility Services?
Seventeen states have laws that require private insurers to cover some forms of infertility services, and other states are in the process of putting through legislation requiring them to cover it. If you live in Arkansas, California, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas, or West Virginia, your private insurer has to cover some portion of your fertility treatment. Many health insurance plans offer fertility coverage outside those states, as well. To find out if your private insurance covers fertility services, contact your plan administrator.
Is Fertility Insurance Expensive?
Fertility treatments are expensive, but more regular health insurance plans are starting to cover them. This is partly because 17 states have now mandated that fertility treatments must be covered. More states are moving to legislate fertility coverage, as well. In states that do not have these mandates, you might need to get a more expensive policy in order to get fertility treatments covered. How much you will pay varies significantly, but it is typically less expensive than paying for the fertility treatments out of pocket since just one cycle of IVF costs an average of $12,000. Many people who don’t have coverage take out an IVF loan to cover the costs.
We evaluated a dozen health insurance companies that offered fertility insurance and evaluated them based on things like treatments offered, diagnostics covered, resources provided, and the focus of the plans on fertility treatment and care. We also considered things like the company’s reputation, customer service options, and ease of making claims.
The health care insurers that made it on this list all have a reputation for providing great care, have been in business for years, and offer fertility treatments to fit your needs.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.