Top Fertility Insurance Companies

Fertility insurance is an element of health insurance that covers issues with conception and carrying a child to term. Many parents rely on fertility insurance for expensive procedures such as in vitro fertilization, but this is not its only role. It helps aspiring parents pay for tests, procedures and treatments for a wide range of issues affecting children. This can include fertility tests for those struggling to conceive, ongoing procedures to ensure a healthy pregnancy and, in some cases, artificial insemination.

If you are thinking of starting a family, consider working with a financial advisor.

Fertility Insurance Rules by State

SmartAsset: Top Fertility Insurance Companies

As of April 2025, 22 states and Washington, D.C. have passed laws related to fertility insurance coverage. Of these, 15 include IVF coverage.

However, the exact nature of these laws and the coverage they require ranges widely. As the Kaiser Family Foundation (KFF) explains, “in states with ‘mandate to cover’ laws, these only apply to certain insurers, for certain treatment services and for certain patients, and in some states have monetary caps on costs they must cover.”

Resolve: The National Infertility Association keeps an updated list of state laws on its website.

In some states, coverage is dependent upon the individual insurance companies. This means that, for some consumers, fertility insurance can be an option if they can afford to pay for it. Ohio and West Virginia are both states with limited infertility coverage, while states like California, Maine, Colorado, Delaware and Illinois all offer both IVF and fertility preservation coverage.

Because insurance options vary by state, most patients pay out of pocket for fertility-related medical costs. The cost of a single IVF treatment can range from $15,000 to over $30,000, making this a hefty expenditure for aspiring parents.Instead, consider these free fertility insurance companies.

Data and Methodology

We identified the insurance options below through exhaustive research and analysis of the fertility insurance market. They are listed in an order that’s in direct correlation with their individual composite score based on our methodology, which includes the average monthly cost, maximum coverage and the number of states the policy may be available.

1. UnitedHealthcare

UnitedHealthcare is the largest health insurance providers in the U.S., and that scale translates to significant advantages for fertility coverage. Its extensive national network makes it easier for patients to find in-network fertility specialists and clinics. For couples and individuals navigating the already complex world of fertility treatment, this can help reduce out-of-pocket costs and minimize the stress of coordinating care.

UnitedHealthcare offers a range of plans that may include fertility benefits, although coverage varies, depending on the state and employer. In states with fertility mandates, plans are more likely to cover treatments like in vitro fertilization (IVF), intrauterine insemination (IUI) and egg freezing.

Even when full IVF coverage is not included, many UnitedHealthcare policies still provide diagnostic testing, medications and procedures that support fertility journeys.

2. GEHA Benefit Plan

The GEHA Benefit Plan is designed primarily for federal employees and retirees, making it one of the largest health benefit options in the Federal Employees Health Benefits (FEHB) program. Its size and specialization allow it to offer competitive premiums and broad healthcare access. For those eligible, GEHA can be a cost-effective way to secure reliable insurance that may include fertility-related benefits.

Fertility coverage under GEHA plans is generally more limited compared to some large commercial insurers. While most diagnostic testing, medication and infertility treatments are covered, more advanced procedures like in vitro fertilization (IVF) or egg freezing may be subject to limits.

3. Blue Cross Blue Shield

Blue Cross Blue Shield (BCBS) is one of the most widely recognized insurance providers in the U.S., with a presence in all 50 states. Its broad network means that members often have access to fertility specialists and clinics close to home, making it easier to find in-network care. This nationwide reach can be particularly valuable for individuals or couples who move between states or live in areas with fewer provider options.

Fertility coverage with BCBS varies, depending on the state and the specific plan. In states with fertility coverage mandates, BCBS policies often include benefits for treatments such as IVF, IUI and fertility preservation. Even in states without mandates, some BCBS plans still provide coverage for diagnostic testing, medications or less invasive procedures.

Reviewing plan details carefully is essential, as benefits can differ widely.

4. Priority Health

Priority Health is a Michigan-based insurer that has grown into one of the state’s leading health plans. While it lacks the national footprint of larger carriers, its strong regional presence gives members access to a wide range of providers and hospitals within Michigan. For residents in the state, this focus on local networks can mean more coordinated and personalized care.

Priority Health offers fertility benefits that vary, depending on the plan and employer. Some policies include coverage for treatments like IUI or IVF, while others may limit benefits to diagnostic testing and fertility medications.

Because coverage can differ significantly, members are encouraged to review their plan details closely or consult directly with a representative to understand which services are included.

5. Kaiser Permanente

Kaiser Permanente is unique among insurers because it operates as both a health insurance provider and a healthcare system. This integrated model allows patients to receive fertility care within Kaiser facilities, creating a seamless experience where insurance, doctors and specialists work closely together. For members, this often means better communication between providers and more streamlined treatment plans.

Fertility coverage through Kaiser Permanente varies by region and employer. In states with fertility mandates, members may find coverage for treatments likeIVF, IUI and fertility preservation. In other areas, coverage may be more limited, focusing on diagnostic testing or medications.

Reviewing the specifics of your local Kaiser plan is essential, as benefits differ widely, depending on your location.

6. Geisinger Health Plan

Geisinger Health Plan is a Pennsylvania-based insurer that has built a reputation for high-quality, community-focused care. Its network covers much of central and northeastern Pennsylvania, giving members widespread access to doctors, specialists and hospitals. For residents in the region, this localized approach helps ensure more personalized and coordinated healthcare experiences.

Fertility benefits with Geisinger vary, depending on the plan type and employer. Some policies may provide coverage for diagnostic testing, fertility medications and procedures like IUI. However, advanced treatments such as IVF are not universally included.

As with many insurers, reviewing the specific plan details is important to understand what services are covered.

7. Ambetter

Ambetter is a health insurance provider that primarily serves members through the Affordable Care Act (ACA) marketplace. This makes it an accessible option for individuals and families who buy coverage on their own rather than through an employer. With plans available in many states, Ambetter has positioned itself as a cost-conscious choice for those seeking comprehensive healthcare coverage.

Fertility coverage under Ambetter varies significantly by state and plan. In regions with mandated fertility benefits, members may find coverage for treatments like intrauterine insemination, in vitro fertilization or fertility preservation. In other areas, coverage may be limited to diagnostic testing or prescriptions that support fertility treatment. Because of this wide variability, it is important for members to review their specific plan documents to understand what is included.

8. Aetna

Aetna is one of the nation’s largest insurers, offering coverage across all 50 states. Its wide network of doctors, specialists and hospitals makes it easier for members to access fertility care close to home. For individuals and families seeking fertility treatment, this broad reach can help reduce out-of-pocket costs by keeping services in-network.

Aetna provides fertility coverage that varies by plan, employer and state. In many cases, members may have access to benefits for procedures such as IUI, IVF and fertility preservation. Even when advanced treatments are not fully covered, Aetna often includes diagnostic testing and fertility medications, which can meaningfully offset costs.

9. CareFirst BlueChoice

CareFirst BlueChoice is part of the Blue Cross Blue Shield network and primarily serves members in the Mid-Atlantic region, including Maryland, Washington, D.C. and parts of Virginia. Its strong local presence gives members access to a wide network of doctors, hospitals and fertility specialists within the region. For families seeking care close to home, this regional focus offers both convenience and reliability.

Coverage for fertility treatments with CareFirst BlueChoice varies by plan and state requirements. In Maryland, where fertility coverage mandates exist, members may have access to benefits for services such as in vitro fertilization, intrauterine insemination and fertility preservation. In other areas, coverage may be more limited to diagnostic testing and fertility medications.

Reviewing plan documents is essential to understanding the specifics of what is included.

10. Cigna

Even among companies that offer fertility insurance, most avoid paying for particularly expensive procedures like in vitro fertilization unless the state requires them to. A very few, like Arkansas, require this coverage. This makes Cigna stand out.

As with all insurance companies, Cigna is likely to consider services like IVF as not medically necessary. However, they are more likely to offer and approve coverage for this procedure than other major insurers. The same is true for related procedures like freezing a would-be parent’s eggs or sperm.

Cigna offers fertility benefits that vary by plan, employer and state mandates. Many policies include coverage for diagnostic testing, fertility drugs and treatments like IUI and IVF. Some plans even extend to egg or sperm freezing, depending on the level of coverage. Because these benefits can differ widely, members should carefully review their plan documents to confirm which services are included.

Bottom Line

Fertility treatment can be one of the most meaningful yet expensive healthcare journeys a family undertakes and insurance coverage plays a critical role in making it more accessible. Because fertility benefits vary widely by state, employer and plan type, it is essential to carefully review policy details and confirm what is covered before beginning treatment.

Family Financial Planning Tips

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Conceiving a child can be expensive, at least if doctors have to get involved. But it’s nothing compared to the costs of raising a child to age 18.