We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.
Fertility insurance covers the diagnostics and treatments necessary 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.
Twenty states had laws requiring health insurance providers to cover fertility treatments in 2022, but not all insurers do so because it's not required in all states. Some might cover a limited number of treatments or only certain types of procedures. This can leave a good many people unprotected because infertility affects about 9% of men and about 11% of women in the U.S.
This roundup will help you find health insurance policies that will provide you with the best coverage for fertility treatments. The best fertility insurance is that which will offer you 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 Fertility Insurance for 2023
- Best Overall: UnitedHealthcare
- Best IVF Treatments: Cigna
- Best Additional Resources: Aetna
- Best for Assistive Reproductive Technologies: Progyny
- Our Top Picks
- See More (1)
Best Overall : UnitedHealthcare
- Policy Types: HMO, HMO-POS, PFFS, PDP, D-SNP, PPO, EPO, POS, HDHP
- Coverage Limit: ACA plans allow no limits
- States Available: 50 states
UnitedHealthcare provides great fertility insurance that includes coverage for issues such as insemination, surrogacy support, and ovulation induction. It offers a large network of providers in 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. 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.
Best IVF Treatments : Cigna
- Policy Types: HMO, PPO, EPO, POS, SNP, PDP
- Coverage Limit: ACA plans have no limit
- States Available: 16 states
Cigna provides cost-effective coverage that includes in vitro fertilization (IVF) in many of its plans. It also covers 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
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.
Best Additional Resources : Aetna
- Policy Types: HMO, PPO, POS, EPO, HDHP
- Coverage Limit: Not stated online
- States Available: 50 states and Washington, D.C., but not all plan types are available in all states
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 treatment. It will help you find an infertility provider and you can learn about fertility treatments via its 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
Excludes some treatments for those over 40 years of age
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.
Best for Assistive Reproductive Technologies : Progyny
- Policy Types: Fertility coverage
- Coverage Limit: No stated limit
- States Available: 50 states
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
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.
Overall, we recommend UnitedHealthcare’s fertility insurance coverage because it offers affordable plans in all 50 states to allow you to access good fertility care. You can combine your overall health insurance coverage with fertility insurance, streamlining your policies. It has a significantly large network and it covers a good many procedures
Compare the Best Fertility Insurance Providers
|Company||Plans (type)||Providers In-Network (number)||Coverage Limits ($)||Deductible ($)||States Available (number)|
|UnitedHealthcare Best Overall||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.|
|Cigna 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||16 states|
|Aetna 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.|
|Progyny 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
Consider these factors when you're choosing the best fertility insurance provider for you:
- Treatments offered: Some health insurance companies only offer fertility coverage in 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 for fertility care. Make sure to ask an insurer what providers are available 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 it covers before you sign up for a plan.
- Copays, limits, and deductibles: Fertility treatments are expensive. Figure out how much you'll be paying out of pocket for treatments through that plan before you decide whether to purchase fertility insurance.
Frequently Asked Questions
Can You Buy Fertility Insurance?
Fertility insurance is generally offered through regular individual and family, group, or government-sponsored health plans. But you can choose one that offers fertility services if you purchase an individual or family health plan through the health insurance marketplace. Some in need of this coverage will also purchase a separate private health insurance policy via the marketplace that offers full healthcare coverage but has better coverage of fertility treatments on top of the coverage their employer offers. Some employers also offer fertility-only coverage as part of their benefits package, but these plans aren't sold to individuals.
Does Insurance Help With Fertility?
Twenty states have laws that require private insurers to cover some forms of fertility services, and other states are in the process of putting through legislation requiring them to cover it. Your private insurer has to cover some portion of your fertility treatment if you live in Arkansas, California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas, Utah, or West Virginia. Many health insurance plans offer fertility coverage outside those states as well. Contact your plan administrator to find out if your private insurance covers fertility services.
Is Fertility Insurance Expensive?
Fertility treatments are expensive, but more regular health insurance plans are starting to cover them. Twenty states have mandated that fertility treatments must be covered and more states are moving to legislate fertility coverage as well. You might have to get a more expensive policy in order to have fertility treatments covered if you live in a state that doesn't have these mandates. How much you'll pay will vary significantly, but it's typically less expensive than paying for fertility treatments out of pocket because 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.
Why Is Fertility Treatment Not Covered by Insurance?
Fertility treatments typically don't fall into the "medically necessary" category. Your health and life aren't endangered if you don't receive the treatment. This mandatory versus nonmandatory guideline that's observed by many health insurance companies so they obligate you to pay for a secondary policy or additional provisions to cover some or most of these costs.
Which State Has the Best Fertility Coverage?
The National Infertility Association cites four states with laws that cover both IVF treatments and fertility preservation: Utah, Colorado, Illinois, and Maine. These will provide you with the most comprehensive coverage.
We evaluated a dozen health insurance companies that offered fertility insurance and evaluated them based on factors such as treatments offered, diagnostics covered, resources provided, and the focus of the plans on fertility treatment and care. We also considered issues like the company’s reputation, customer service options, and ease of making claims.
Resolve National Infertility Association. "Insurance Coverage by State."
U.S. Department of Health and Human Services National Institutes of Health. "Infertility and Fertility."
United Healthcare. "Find Health Plans in Your State."
United Healthcare. "Infertility Diagnosis, Treatment and Fertility Preservation," Pages 8-19.
UnitedHealthcare. "About Us."
United Healthcare. "Types of Health Insurance Costs."
UnitedHealth Group. "Our History (Archived)."
AM Best. "AM Best Affirms Credit Ratings of UnitedHealth Group Incorporated and Its Subsidiaries."
Cigna. "Medical Coverage Policy: Infertility Services," Pages 5-22.
Cigna. "Affordable Health Insurance Plans," Select "See Availability."
Cigna Corporation. "2022 Form 10-K," Page 3.
AM Best. "AM Best Revises Issuer Credit Rating Outlook to Positive for Cigna Corporation and Most of Its Subs; Affirms Credit Ratings."
eHealth. "Compare Aetna Health Insurance Plans with Other Top Carriers."
Aetna. "HMO, POS, PPO, EPO and HDHP with HSA: What’s the Difference?"
Aetna. "Get More with Your Aetna CVS Health Individual & Family Plan."
Aetna. "Our History."
AM Best. "AM Best Affirms Credit Ratings of CVS Health Corporation’s Aetna Subsidiaries."
Progyny. "Smarter Fertility Benefits & Insurance."
Progyny. "Charting a New Path for Fertility and Family Building Benefits."
CNY Fertility. "IVF Cost: Analyzing the True Cost of In Vitro Fertilization."
Kaiser Family Foundation. "Coverage and Use of Fertility Services in the U.S."