Best Fertility Insurance Companies For 2023 (IVF Treatment Coverage)

Infertility has been a prevalent problem in the world at large. According to the Center for Disease Control, fertility issues affect approximately 9% of men and 11% of women of reproductive age in the United States.

One of the best ways to curb the situation is by purchasing a fertility insurance policy because these policies vary according to state law. Even companies that provide coverage may limit it to detecting reproductive issues rather than treating them as such, It can be a difficult task to find healthcare insurance that covers fertility treatment.

In this Ivf insurance coverage review, we go over the best Ivf insurance companies so that you can understand their features and how they work.

Let’s delve in!!

What Is Fertility Insurance?

Fertility insurance is a type of health insurance that covers the tests and treatments required to assist future parents who are having difficulty conceiving or carrying a child.

Currently, seventeen states have laws requiring health insurance carriers to cover fertility treatments. However, because it is not mandated in all jurisdictions, not all insurance cover treatments, and some may cover only a limited number of treatments or only particular types of procedures.

How Much Does Fertility Insurance Cost?

Ivf insurance coverage ranges from basic health insurance policies to comprehensive life insurance policies. There will be charges connected with enrolling in a health plan.
Monthly premiums for health insurance begin at around $300 per month for basic coverage and rise to $2000 per month for comprehensive coverage.

You must contribute to the cost of covered fertility services when you attend an appointment. This can be a specific number copay, such as $25 for a doctor’s appointment, or a percentage of the total, often about 20%.

How Do I Choose The Best Fertility Insurance?

When choosing a fertility insurance provider, consider the following:

1. Treatments offered

While some insurance companies may provide coverage in all states, certain health insurance providers only provide Ivf insurance coverage in states where it is required and legal. Before purchasing a policy, make sure to inquire about the treatments that are covered.

2. In-network providers

Because you may want to be able to consult with fertility specialists in your neighborhood who have a good track record. Make sure to ask an insurer about the providers in your area before purchasing coverage.

3. Co-pays, limits, and deductibles

Fertility treatments are expensive. Before deciding whether to get Ivf insurance coverage, find out how much you would have to spend for procedures under that plan.

4. Rounds covered

Infertility treatments may not work the first time. Before you sign up for a plan, find out how many rounds of therapy your doctor will cover.

Let’s have a look at some of the best fertility insurance options now that you know what to look for when choosing Ivf insurance coverage.

Best IVF Insurance Coverages 

Best Overall: United Healthcare

Best for Budget Coverage: Cigna

Best for Additional Resources: Aetna

Best Affordable Policies: Wellcare

Best for Multiple Rounds of Treatment: Blue Cross Blue Shield

1. United Healthcare

United Healthcare Overview

Because of its extensive network, good reputation, and coverage for infertility therapies such as ovulation induction, insemination, and Assisted Reproductive Technologies, United Healthcare is our top recommendation for fertility insurance.

United Healthcare has a network of more than 1.3 million doctors and 6,500 hospitals and other institutions across the US, including the 19 states where Ivf insurance coverage is mandatory by law.

United Healthcare has earned an A rating from AM Best, due to its ability to meet its financial obligations. They also earned 4.0 out of 5 in the National Committee for Quality Assurance ratings for six of their health insurance policies.

For couples attempting to conceive, having an insurer’s safety net that covers infertility treatments is crucial. You can get an estimate and buy a plan through United’s online site or the ACA Marketplace. 

To join one of the United ACA plans, you must first wait for an enrollment period, which may take some time. As with all marketplace plans, there is no coverage cap, no exclusion for pre-existing medical conditions, and no upper age limit. 

Pros and Cons of United Healthcare Program


  • Available in all 50 states
  • Offer online quotations
  • Reimburses some assisted reproductive technologies
  • Extensive provider network
  • A smartphone app that integrates with medical records
  • Covers ovulation induction


  • Ivf may not be covered
  • Infertility treatments are limited to 19 mandated states
  • Does not cover the preservation of reproductive materials before cancer treatment
  • More expensive than some competitors

2. Cigna

Cigna Overview

Founded in 1981, Cigna offers affordable coverage that includes Ivf insurance coverage in many of their plans, as well as a wide range of diagnostic fertility testing and other fertility procedures.

Cigna covers diagnostic tests such as hysteroscopies, sperm analysis, and testicular biopsy. In many circumstances, fertility therapies such as ovarian reserve assessment, tubal recanalization, aided embryo hatching, gamete intrafallopian transfer, and testicular treatments and operations are legal procedures.

Cigna has earned a reputation for delivering comprehensive treatment at a fair cost and also an A rating from AM Best for financial soundness and claims-paying capabilities.

Cigna offers a vast network of providers to its customers, as well as a mobile app to assist them to manage their treatment. It offers Medicare plans, group policies, and individual and family plans through the health insurance marketplace in ten States such as Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. Your plan and the state you live in will determine your deductible and fertility coverage eligibility.

Pros and Cons of Cigma Program


  • Covers a significant number of diagnostic tests and IVF insurance coverage
  • Offers economical rate
  • Online quotations
  • Large provider network
  • Rated A for financial strength with AM Best


  • Only available in ten states
  • Does not cover experimental procedures like vaginal microbiome testing
  • Does not cover reversal of voluntary sterilization
  • May not be able to combine all riders with each policy type

3. Blue Cross Blue Shield

Blue Cross Blue Shield Overview

Through its 36 distinct companies, the Blue Cross Blue Shield Association (BCBSA) insures nearly 107 million people in all 50 states. Some BCBSA companies go above the mandated three rounds of Ivf insurance coverage, offering up to eight total cycles, making it the obvious choice for many treatment rounds.

The majority of BCBSA’s independent enterprises receive an A financial strength rating from AM Best. In most areas, you can pick between ACA bronze, silver, or gold plans.

The bronze plan’s deductible is $6,300 for single coverage and $12,600 for family coverage; the out-of-pocket limit is $7,000 for single coverage and $14,000 for family coverage, respectively. Waiting times are governed by standard ACA rules, and there are no exceptions for pre-existing diseases.

Although some smaller BCBSA companies require you to contact a local agent, you may normally join using the BCBSA website or Marketplace. It’s critical to double-check individual policy details because coverage varies greatly.

Pros and Cons of Blue Cross Blue Shield Program


  • An expansive network of healthcare providers
  • Available in all fifty states
  • May cover up to eight total cycles of IVF 


  • Navigating the various company websites can be confusing

4. Aetna

Aetna Overview

Aetna is a well-known health insurance company that provides fertility treatment as well as a plethora of information to help you estimate your chances of success with fertility treatment, identify an infertility physician, and learn about fertility treatments through videos and other resources.

Aetna has a stellar reputation for customer service, which, combined with their Institute of Excellence infertility network, which provides high-quality care and exceptional results, makes them an easy pick as the best option for additional resources.

Diagnostic infertility services such as laboratory tests, imaging studies, biopsies, and physical examinations may be covered by Aetna policies, and hormone control, injectable endocrine medications, surgical techniques, and artificial insemination are all options for treatment. Its plans may cover Ivf insurance coverage although it varies based on location 

Pros and Cons of Aetna Program


  • IOE providers
  • Simple search to find endocrinologists and specialists
  • Helpful hotline and information resources
  • Nationwide availability


  • No online quotes or estimates
  • Does not offer plans through the individual and family health care marketplace
  • Excludes some treatments for those over 40 years of age

5. Wellcare

Wellcare Overview

Founded in 1985, Wellcare is a government-sponsored health plan that offers both basic and extensive infertility services through Medicaid and Medicare contracts that enables you to get cost-effective help with your fertility issues.

Wellcare works with a nationwide network of over 571,000 health care professionals. They sell policies in all 50 states, and your premium and deductible will vary based on where you live and which plan you select. They also have an app that can assist you in managing your policy.

Wellcare is noted for delivering excellent care to its members and it received a 2.5 to 3.5 out of 5.0 grade from the National Committee for Quality Assurance (NCQA), an accreditation agency that reviews health plans.

Basic infertility therapies such as sperm analysis, endometrial biopsy, ovulatory dysfunction therapy, and testis biopsies are covered. Infertility services such as pelvic ultrasounds, laparotomy, and artificial insemination are also covered. In vitro fertilization, donor ovum or donor sperm, storage fees, or vasectomies reversals are not covered. Its coverage is available to participants between the ages of 21 and 44 who are experiencing infertility.

Pros and Cons of Wellcare Program


  • Offers infertility coverage between ages 21 and 44
  • Covers diagnostic fertility tests
  • Includes artificial insemination


  • Does not offer individual and family plans
  • Does not cover IVF
  • Coverage does not include reversal of vasectomies


Infertility has been a prevalent problem in the world at large, and one of the best ways to curb the situation is by getting fertility insurance.

Fertility insurance will cover the tests and treatments required to assist future parents who are having difficulty conceiving or carrying a child. It can be a difficult task to find legit healthcare insurance that covers fertility treatment that is why the best insurance reviews are well written for you.

We hope this best insurance review has shown you the companies that offer Ivf insurance coverage.

Please always ensure you conduct your personal research or contact a health insurance expert before purchasing an insurance policy.


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