What Insurance Plans Cover in Vitro Fertilization?


Quick Answer

Which insurance plans cover in vitro fertilization depends on the state in which the person resides, the level of coverage, the type of plan (such as employee or self-insured) and the person's individual situation, states The National Infertility Association. As of 2015, 15 states require that insurance providers cover the treatment, and some specific insurance companies offering coverage include Aetna, Anthem, Kaiser, Cigna, United Healthcare and Tricare.

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Full Answer

Individuals need to consult their insurance providers to find out which plans cover infertility treatments and find out which facilities take the insurance. For example, ReproMed Fertility Center, which has several Texas locations, notes that it takes all Aetna, Blue Cross and Blue Shield, Cigna, Health Smart and Humana plans, but a predetermination of benefits is required in any case. Insurance companies often have restrictions on who can get in vitro fertilization covered, and these can include limitations on age, medication coverage, maximum amounts covered for the procedure and testing costs, notes ReproMed Fertility Center.

In addition, only the states of Arkansas, West Virginia, New York, California, Illinois, Louisiana, New Jersey, Montana, Ohio, Rhode Island, Texas, Massachusetts, Maryland, Hawaii and Connecticut require that insurance plans cover infertility treatments, notes The National Infertility Association. However, patients with self-insured plans or with employer plans exempt from coverage may not receive benefits for the treatments.

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