IVF Insurance Coverage by State

19 states have laws requiring insurance coverage for fertility treatments. 'Mandate to cover' states require insurers to cover IVF (IL, MA, NJ, NY, CT, MD, RI, DE, NH, WV, AR).

'Mandate to offer' states require insurers to offer fertility coverage as an option. Coverage varies significantly — some policies cover unlimited cycles, others cover one or two.

Self-insured employer plans (common at large companies) are exempt from state mandates under ERISA. Always check your specific plan documents, not just your state's law..