Best Fertility Insurance Companies

How to choose the right insurance for infertility coverage

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Trying to find healthcare insurance that covers fertility treatment can be time-consuming and confusing. Policies differ according to state law and even companies that provide coverage may limit this to diagnosing fertility problems rather than treating the issue.

According to the Center for Disease Control, infertility is a common problem. About 9% of men and about 11% of women of reproductive age in the United States have experienced fertility problems. Despite the need for fertility assistance, costs are high and inaccessible to many. 

If you are considering fertility treatment and looking at options, this roundup assesses some of the fertility insurance choices. Our analysis compared factors like company reputation, premium price, network, coverage, availability, and limitations of some of the best fertility insurance options before deciding on our top four. Continue reading to find out who the top picks are for fertility treatment insurance.

Best Fertility Insurance Companies

Best Fertility Insurance Companies
Best Fertility Insurance Companies

Best Overall : United Healthcare

United Healthcare

 United Healthcare

Why We Chose It: United Healthcare is our overall pick for fertility insurance because of its expansive network, solid reputation, and coverage for infertility services, including ovulation induction, insemination, and Assisted Reproductive Technologies.

What we like
  • Available in all 50 states

  • Telehealth available

  • Online quotations

  • Good reputation

  • Extensive provider network

  • A smartphone app that integrates with medical records

What we don’t like
  • Infertility treatments likely limited to 19 mandated states

  • IVF may not be covered

  • Not available in some counties

  • More expensive than some competitors

For couples trying to conceive, having an insurer’s safety net that covers infertility treatments is invaluable. United Healthcare took our position as the overall fertility insurance choice with their giant provider network, supreme reputation, and coverage for a range of infertility treatments.

United Healthcare has a network of more than 1.3 million doctors and 6,500 hospitals and other facilities nationwide, including in the 19 states with mandated fertility insurance coverage laws. They have an A rating for financial stability from AM Best and are rated 4.5 out of a maximum of 5 for two of their health insurance plans in the National Committee for Quality Assurance ratings. 

You can find a quote and purchase a plan on United's online portal or the ACA Marketplace. Offerings begin with the basic bronze plan through to comprehensive platinum level coverage.

We found the lowest prices were around $500 per month for bronze plans with an $8,150 deductible, which jumps up to $1,750 per month for platinum coverage with no deductible. Maximum out-of-pocket amounts are around $8000.

As with all marketplace plans, coverage does not max out, you can’t be excluded for pre-existing medical conditions, and there are no upper age limits. You’ll have to wait for an enrollment period to join one of United’s ACA plans, meaning a waiting time of around 2–6 weeks for coverage to begin.

Depending on the plan you opt for, it may include prescription coverage. You can customize your plan with additional dental or vision care, critical illness, hospitalization, travel, and other riders. Discounts apply if you purchase add-on riders.

United Healthcare covers women to age 44 for ovulation induction, insemination procedures, and Assisted Reproductive Technologies (ART). It also covers medical services to diagnose infertility and procedures to correct a physical issue causing infertility, for example, a pelvic mass or pituitary lesion.

The following services are excluded from coverage:

  • Cryopreservation of the fertilized embryos
  • Donor eggs
  • Donor sperm
  • Host uterus
  • Oocyte preservation
  • Ovum transplants
  • Ovum or ovum bank charges
  • Sperm or sperm bank charges

Note that the laws surrounding fertility insurance are complicated and location-dependent. It is essential to check any documentation before choosing a plan. For example, in 13 states, insurance providers, including United Healthcare, must cover IVF treatment.

Best for Budget Coverage : Cigna

Cigna

 Cigna

Why We Chose It: Our top budget pick is Cigna because they offer affordable options, and some plans even cover typically excluded services like elective egg freezing and storage.

What we like
  • Economical pricing

  • Online quotations

  • Large provider network

  • Rated A for financial stability with AM Best

What we don’t like
  • Only available in 12 states

  • May not be able to combine al riders with each policy type

Cigna is a global provider, has an extensive network and portfolio of offerings, and covers infertility treatment with reasonable monthly premiums, which is why they took our top budget spot. According to quotes from the Cigna website, Bronze ACA policies (in areas where Cigna is available) start at $300 with a $6,750 deductible and $8,150 maximum out-of-pocket. Coverage doesn’t max out and the typical ACA rules apply. Note that prices may change based on where you live.

Cigna policyholders are covered for diagnostic testing to determine why a couple is infertile along with infertility treatment services. For women, these may include ovulation-inducing medications, ovulation monitoring studies, procedures to remove obstructions in the fallopian tubes, assisted embryo hatching, and other services. For men, services include semen analysis, surgeries to correct obstructions, endocrine treatments, and sperm extraction.

The Cigna Choice Fund with HSA also covers elective egg freezing and storage but is usually limited to group insurance. And since trying to conceive can be stressful, Cigna members may enjoy the Healthy Rewards program, which provides discounts on massages and other wellness programs. Prescription drug coverage is also available.

Plans typically exclude services to reverse voluntary sterilization, donor charges, surrogate fees, ovulation, and pregnancy tests.

To buy a Cigna plan, you must live in one of the following states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee, or Texas. However, Cigna may restrict fertility coverage to Arizona, California, Colorado, Connecticut, Maryland, and Texas.

Best for Multiple Rounds of Treatment : Blue Cross Blue Shield

Blue Cross Blue Shield

 Blue Cross Blue Shield

Why We Chose It: With a countrywide network and more generous fertility coverage than most, Blue Cross Blue Shield is our best for multiple rounds of treatment.

What we like
  • May cover up to 8 total cycles of IVF

  • An expansive network of healthcare providers

  • Available in all 50 states

What we don’t like
  • May not be able to buy online

  • Navigating the various company websites can be confusing

The Blue Cross Blue Shield Association (BCBSA) provides health insurance to over 107 million through its 36 separate companies spanning every state. Some BCBSA companies exceed the mandated three rounds of IVF and may offer up to eight total cycles, making it an obvious choice for best for multiple treatment rounds.

Most of the independent BCBSA companies have an AM Best financial strength rating of A (Excellent). The main website redirects you to your local provider when you input your ZIP Code. In most locations, you can choose from ACA plans from bronze through to platinum. Precisely what each plan covers depends on location and state mandates.

Expect to pay around $400 per month with a $7,000 deductible for a bronze plan, up to $1,000, with $0 deductible on the platinum plan. Depending on the plan, the maximum out-of-pocket is around $8,000. Standard ACA rules apply for waiting times and no exclusions for pre-existing health conditions.

You can generally use the BCBSA website or Marketplace to join, although some smaller BCBSA companies require that you contact a local agent.

Finding information about policy coverage can be tricky because of the multiple smaller companies involved and the fact that data is location-dependent. BCBSA may cover infertility diagnostic testing for men and women, infertility drugs including hormones, and artificial means of conception.

It's important to check individual policy details as coverage differs considerably. For example, BCBSA of Massachusetts has increased covered IVF services to eight cycles. This may not apply to other BCBSA companies, and sometimes IVF may be excluded entirely. Other exclusions include donor egg and sperm costs, surrogacy, and sterilization reversals.

Best for Additional Resources : Aetna

Aetna

 Aetna

Why We Chose It: Aetna is our best for additional resources choice as they provide online tools and information about fertility treatments, and they boast an Institute of Excellence (IOE) infertility network.

What we like
  • IOE providers

  • Simple search to find endocrinologists and specialists

  • Helpful hotline and information resources

  • Nationwide availability

What we don’t like
  • No individual health plans

Aetna has an excellent reputation and customer service standing, which, coupled with their Institute of Excellence infertility network providing high-quality care and outstanding performance, made them an easy choice as best for additional resources.

Aetna plans may cover diagnostic infertility services such as laboratory studies, imaging studies, biopsies, and physical examinations. Treatments include hormone management, injectable endocrine therapies, surgical interventions, and artificial insemination. Depending on location, plans may cover IVF.

Exclusions include treatments for women with natural menopause aged 40 or older. Also, treatments considered experimental, such as stem cell therapy, and some sperm function tests.

You can find IOE infertility services by using the Aetna search tool. These providers have demonstrated high levels of success in infertility care and a commitment to continuous improvement. Note that individuals won't be able to buy an Aetna plan, but you can find coverage through an employer or a Medicare plan. Medicare doesn't just cover people over 65. In fact, it currently covers 9.1 million people aged under 65 with qualifying conditions.

People who qualify for the Medicare plan can buy a range of plans directly from the Aetna website. These include the Aetna Medicare Plus Plan with prescription drug coverage. It has a $0 monthly premium, $0 deductible, and a maximum out-of-pocket of $999 per year. This is in addition to Medicare Part A and Part B premiums, which for most people means the standard Part B Medicare premium of $148.50.

Waiting periods are from 1–3 months, depending on when you enroll. Coverage does not max out and you won't be excluded for pre-existing health conditions.

If you don't qualify for Medicare, check your employee benefits as employers may offer Aetna health insurance coverage with combined fertility benefits.

Aetna's industry rankings are superb. The Centers for Medicare & Medicaid Services (CMS) repeatedly rank them highly in their annual star ratings, and they have an A+ rating from the Better Business Bureau (BBB) for their excellent customer service. They also have a financial strength rating of A (Excellent) by AM Best.

Final Verdict

Undergoing fertility treatment can be emotionally and financially draining, and suitable fertility insurance can remove some of the stress. Because of the different state laws regarding fertility coverage, it’s essential to review policy wording carefully to see if it covers the treatments you need.

Our overall top pick is United Healthcare, thanks to its expansive network and generous coverage for infertility services. However, people may find their premiums pricey and instead prefer our top budget pick, Cigna. They have affordable options and plans that even cover services like elective egg freezing and storage.

If standard treatment coverage seems meager, or you want to make sure you have enough coverage in the event you need multiple treatments, Blue Cross Blue Shield is a sound choice. They offer up to eight rounds of IVF compared to the standard three.

Finally, we chose Aetna as the best for additional resources choice thanks to their range of online tools and access to the Institute of Excellence infertility network.

Compare Providers

Best Fertility Insurance
Insurance provider Why we picked it Monthly Premiums*
United Healthcare Best Overall $500
Cigna Best for Budget $300
Blue Cross Blue Shield Best for Multiple Rounds of Treatment $400
Aetna Best for Additional Services $0 + $148.50

FAQs

What Is Fertility Insurance Used For?

Many people struggle to become pregnant without assistance and need fertility treatments. This can be due to infertility or because the person is in a same-sex relationship or single. Fertility insurance helps cover the cost of conceiving a child for people who cannot do so naturally.

Precisely what fertility insurance covers depends on the individual policy and the location. Coverage may include the following treatments: 

  • Taking medicine to encourage regular ovulation
  • Using hormones to stimulate ovulation or improve fertility in men
  • Surgery to remove blockages in the fallopian tubes, or uterus
  • Surgery to correct a blocked epididymis in men
  • Intrauterine insemination (IUI) to pass sperm into the uterus
  • In vitro fertilization (IVF) which fertilizes an egg outside the body then returns it to the uterus
  • Egg and sperm donation

The laws surrounding fertility insurance are complicated and may be unique to a particular state. For example, in Utah, insurers who provide maternity benefits must also provide services for adoption and infertility treatments. In Minnesota, fertility drugs specifically used to enhance fertility are not covered.

Anyone looking for fertility insurance coverage should determine the state laws in their location and the individual company’s coverage. 

How Much Does Fertility Insurance Cost?

Fertility insurance comes under the umbrella of general health insurance policies. If you want to enroll in a health plan, there will be associated costs. For example, monthly premiums for health insurance start at around $300 per month for basic coverage, which increases to $2000 per month for extensive coverage. 

When you attend an appointment for covered fertility services, you’ll need to contribute to the cost. This can be a set amount copay such as $25 for a doctor’s visit or coinsurance, which is a percentage of the total, typically around 20%.

Each year you will need to pay a certain amount of money before the health insurance begins to pay. This is called the deductible. Some insurance policies, especially at the more pricey end, may have a zero deductible. With the basic policies, you may be expected to pay around $7,000 before coverage begins.

The costs involved in infertility treatment are incredibly variable and can be expensive, depending on the services required. For this reason, many insurers shy away from providing coverage unless mandated. 

The Kaiser Family Foundation states that the average cost for successful IVF treatment with a donor egg could cost more than $72,000. By comparison, IUI is much less costly at around $300 to $1,000 without insurance.

Because of the high-costs involved, carefully check what your cost-sharing amount would be in the policy documentation. 

Are Any Services Excluded From Coverage?

Policy exclusions depend on location and the mandates that apply in that state. Nineteen states have passed fertility insurance coverage laws: Arkansas, California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas, Utah, and West Virginia.

Most of these states include coverage for IVF treatment. However, in California, Louisiana, Montana, Ohio, Texas, and West Virginia, IVF is typically excluded, as is intracytoplasmic sperm injection (ICSI) and zygote intrafallopian transfer (ZIFT). 

Bear in mind that you may be covered to diagnose but not treat infertility. Even if there is IVF coverage, it may not include cryopreservation and storage for the embryos. Most policies, independent of location, exclude services that involve sperm or egg donors, surrogacy, and treatment to reverse voluntary sterilization. 

Can You Be Denied Coverage for Health Reasons?

The Affordable Care Act states that people cannot be denied coverage for pre-existing health conditions. Therefore, if you buy a Marketplace ACA-mandated health insurance plan, you cannot be denied coverage for health reasons.

This does not apply to short-term health insurance or other non-ACA policies, which have different rules. With these policies, you may be denied coverage or charged more for a policy if you have certain health conditions.

Will Insurance Cover Multiple Rounds of Treatment?

Insurance policies in the 19 mandated states must cover three cycles of IVF. This includes medications to prepare the ovaries for egg collection if the intent is to use a fresh embryo for transfer. If the plan is to use a frozen embryo for IVF, insurance must cover medication for endometrial preparation.

If you opt for intrauterine insemination, your coverage limits may be different. Since IUI is less invasive and less costly, you might be able to receive more treatments than with IVF. Check with your insurance provider for limits and coverage options. 

Methodology 

To compile our roundup, we evaluated 11 companies that offer fertility insurance before selecting the category leaders. Companies that offered a range of fertility diagnostics and treatments carried more weight in our analysis.

We also looked at industry rankings from AM Best regarding financial stability, the Better Business Bureau for client satisfaction, and consumer intelligence data from JD Power to establish their industry standing.

Most importantly, we reviewed the company’s reputation and portfolio of policies. Other considerations were the network’s size, availability nationwide, policy terms, premium costs, and out-of-pocket expenses.

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Article Sources
Verywell Family uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
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  2. AM Best. AM Best affirms credit ratings of UnitedHealth Group and most subsidiaries; upgrades credit ratings of certain subsidiaries. Updated December 18, 2020.

  3. Discover Infertility Treatment Coverage by U. S. State. RESOLVE: The National Infertility Association.

  4. KFF. Medicare's Role for People Under Age 65 With Disabilities.

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  6. Nation Conference of State Legislatures. State Laws Related to Insurance Coverage for Infertility Treatment.

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  8. KFF. Coverage and Use of Fertility Services in the U.S.

  9. Planned Parenthood. What Is IUI?