Best Fertility Insurance

UnitedHealthcare offers great value for fertility coverage

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Fertility insurance is health insurance that covers the diagnostics and treatments needed to help potential parents who are struggling to conceive or to 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 currently have laws making it necessary for health insurance providers to cover fertility treatments. But, 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.

The Best Fertility Insurance for 2021

Best Overall : UnitedHealthcare


UnitedHealthcare

UnitedHealthcare

  • Policy Types: HMO, HMO-POS, PFFS, PDP, D-SNP, PPO, EPO, POS, HDHP
  • Coverage Limit: Not stated online
  • States Available: 50 states
Why We Chose It

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.

Pros
  • Offers coverage for egg and sperm retrieval for surrogacy

  • Covers ovulation induction

  • Reimburses some assisted reproductive technologies

Cons
  • 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 preservation of reproductive materials prior to cancer treatment

Overview

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 required treatments in states that mandate certain kinds of fertility coverages 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 Insurance

Cigna Insurance

  • Policy Types: HMO, PPO, EPO, POS, SNP, PDP
  • Coverage Limit: Not stated online
  • States Available: 10 states
Why We Chose It

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.

Pros
  • Covers IVF and other rarely covered procedures

  • Covers a significant number of diagnostic tests

  • Offers some cryogenic coverage in certain states

Cons
  • Does not cover experimental procedures like vaginal microbiome testing

  • Does not cover reversal of voluntary sterilization

  • Surrogacy costs are excluded

Overview

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

Aetna

  • Policy Types: HMO, PPO, POS, EPO, HDHP
  • Coverage Limit: Not stated online
  • States Available: 50 states and Washington, D.C.
Why We Chose It

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.

Pros
  • Rates infertility providers to help you find one that has a good track record

  • Helps you find a provider and facility that is a good fit for your needs

  • Has extensive online FAQs about infertility treatment

Cons
  • 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

Overview

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 received an A rating from AM Best in the category of financial strength. 

Read the full Aetna review.

Best Affordable Policies : Wellcare


WellCare

WellCare

  • Policy Types: HMO, PPO, PFFS, D-SNP, C-SNP, PDP
  • Coverage Limit: Not stated online
  • States Available: 50 states
Why We Chose It

Wellcare provides government-sponsored health coverage through Medicaid and Medicare contracts that provides both basic and comprehensive infertility services. This allows you access to cost-effective support for your fertility care needs.

Pros
  • Offers infertility coverage between ages 21 and 44

  • Covers diagnostic fertility tests

  • Includes artificial insemination

Cons
  • Does not offer individual and family plans

  • Does not cover IVF

  • Coverage does not include reversal of vasectomies

Overview

Wellcare wins for the best provider of affordable fertility coverage because they offer Medicaid and Medicare coverage that includes some fertility coverage. 

Its coverage supports members who experience infertility between the ages of 21 and 44. They cover basic infertility services like semen analysis, endometrial biopsy, treatment of ovulatory dysfunction, and testis biopsies. They also cover comprehensive infertility services like pelvic ultrasounds, laparotomy, and artificial insemination. They do not cover things like in vitro fertilization, donor ovum or donor sperm, storage costs, or reversals of vasectomies. 

Wellcare has a network of over 571,000 health care professionals that they work with nationwide. They sell plans in all 50 states, and your plan premium and deductible will vary depending on your state and the plan you choose. They have an app to help you manage your care. 

Founded in 1985, Wellcare is known for providing good care to its members. The National Committee for Quality Assurance (NCQA), which is an accreditation organization that rates health plans, gave WellCare a rating of 2.5 to 3.5 out of 5.0 in 2020.

Read the full Wellcare review.

Best for Assistive Reproductive Technologies : Progyny


Progyny

Progyny

  • Policy Types: 1
  • Coverage Limit: No stated limit
  • States Available: 50 states
Why We Chose It

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.

Pros
  • Covers the most effective treatments first

  • Access to 900 excellent fertility providers

  • All-inclusive coverage focused on outcome rather than cost

Cons
  • Does not offer other forms of health coverage

  • Is only available through employee group plans

  • Premium coverage, but at a premium price

Overview

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 over 900 fertility providers at over 650 facilities across the country, which is the largest national fertility network for a provider of its kind. They also offer custom app support to help you learn more about fertility and manage your mental and emotional wellbeing during your fertility journey.

Founded in 2008, Progyny is a more recent addition to the fertility insurance market but provides a customized fertility experience for those whose employers offer the plan. Prominent companies offering Progyny’s services as benefits include Google and Apple.

Final Verdict

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)
UnitedHealthcare
Best Overall
HMO, HMO-POS, PFFS, PDP, D-SNP, PPO, EPO, POS, HDHP 1.3 million Not stated online Depends on your plan 50 states
Cigna
Best IVF Treatments
HMO, PPO, EPO, POS, SNP, PDP  Does not state  Not stated online  Depends on your plan  10 states 
Aetna
Best Additional Resources
HMO, PPO, POS, EPO, HDHP  1.2 million  Not stated online  Depends on your plan  50 states and Washington, D.C. 
Wellcare 
Best Affordable Policies
HMO, PPO, PFFS, D-SNP, C-SNP, PDP  571,000  Not stated online  Depends on your plan  50 states 
Progyny
Best for Assisted Reproductive Technologies
Fertility-only coverage  900  No limit  Depends on the plan your employer chooses  50 states 

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 (FAQs)

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. 

Methodology

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, their customer service options, and the ease of making claims. 

The health care insurers that made it on this list all have a reputation of providing great care, have been in business for years, and offer fertility treatments to fit your needs.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. National Conference of State Legislators. "State Laws Related to Insurance Coverage for Infertility Treatment." Accessed June 4, 2021.