Do I have IVF, IUI & egg freezing coverage?

Let's find out whether your benefits can help pay for fertility treatment. Nothing here is stored or submitted — answer what you can and note the gaps as you go.

Employer

State

Insurance carrier

Plan name

Question 1

Does your employer offer a fertility benefit?

Question 2

Who administers the benefit?

Question 3

Does your medical insurance cover infertility treatment?

Question 4

Is IVF or egg freezing subject to a lifetime maximum?

Question 5

Are fertility medications covered?

Question 6

Is genetic testing (PGT-A) covered?

Question 7

Are there prerequisites, such as failed IUI cycles?

Question 8

Does the plan require a period of unprotected intercourse to qualify?

Question 9

Are donor eggs, donor sperm or donor embryos covered?

Question 10

Is there a surrogacy or gestational carrier benefit?

Question 11

Is adoption assistance offered?

Question 12

Is fertility preservation covered (including before gender-affirming care)?

Question 13

If you have a partner, does their employer offer fertility benefits?

Having a fertility benefit doesn't mean every IVF or egg-freezing expense is covered. This tool is educational and is not medical, legal, or insurance advice.