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Footnotes“” World Health Organization. April 4, 2023 “” Forbes Health. April 14, 2023 “” Columbia Social Work Review. May 4, 2021 "" BillTrack50. Accessed May 21, 2025 "" "" "" "" and "" BillTrack50. Accessed May 21, 2025 “” Resolve, the National Infertility Association. Accessed April 21, 2025 “” BillTrack50. Enacted May 28, 2024. "" CMS Newsroom. Oct. 18, 2024 “” BillTrack50. Enacted Sep. 29, 2024. “” Mercer. March 22, 2022 “” KFF. Page 11. Oct. 18, 2023 “” Resolve, the National Infertility Association. Accessed April 26, 2024 “” HealthCare.gov. And “” (Plan Attributes PUF, lines 17346-17649) CMS.gov. Accessed May 15, 2024 ”” Newfront. Oct. 1, 2024 ”” BillTrack50. In Committee Jan. 22, 2025 “” BillTrack50. Enacted July 14, 2023 ”” CMS Newsroom. Oct. 18, 2024 “” BillTrack50. Enacted April 25, 2022 “” Maine Bureau of Insurance. Accessed May 1, 2024 “” Montana Code Annotated 2023. Accessed April 30, 2024 “” HealthCare.gov. Accessed April 30, 2024 “” BillTrack50. Enacted June 29, 2023 “” New Hampshire Insurance Department. September 15, 2023 ”” and “” and “” BillTrack50. In Committee 2024/2025 “” Ohio Department of Insurance. Accessed April 30, 2024 “” BillTrack50. Enacted March 19, 2024 “” State of Reform. Feb. 15, 2024 “” West Virginia Offices of the Insurance Commissioner. Accessed May 1, 2024 ”” CMS.gov. Accessed May 15, 2024 "" BillTrack50. Introduced Dec. 5, 2024 "" California Department of Managed Health Care. June 27, 2024 "" BillTrack50. In committee Apr. 30, 2025 "" BillTrack50. Passed Mar. 7, 2025 "" BillTrack50. Passed Apr. 15, 2025 "" BillTrack50. Passed Apr. 8, 2025 “" (in committee Jan. 16, 2025) and "" (crossed over, Mar. 4, 2025). BillTrack50 "" BillTrack50. In committee, Apr. 11, 2025 "" BillTrack50. In committee Jan. 23, 2025 "" BillTrack50. In committee Feb. 27, 2025 "" and "" BillTrack50. In committee Feb./Mar. 2025 "" BillTrack50. In committee, May 15, 2025 "" and "" BillTrack50. In committee Feb. 2025 "" BillTrack50. In committee Jan. 16, 2025 "" and "" BillTrack50. In committee Mar./Apr. 2025 “" and "" (introduced Jan. 9, 2024) and "" (introduced Oct. 24, 2024) BillTrack50 "" BillTrack50. In committee Feb. 15, 2025 "" and "" and "" and "" BillTrack50. In committee Feb./Mar. 2025 "" and "" BillTrack50. In committee Feb. 2025 “" and "" BillTrack50. Introduced Jan. 2025 "" and "" and "" BillTrack50. In committee Feb./Mar. 2025 “" BillTrack50. Introduced Jan. 31, 2025 "" (introduced Feb. 26, 2025) and "" (in committee Mar. 7, 2025) BillTrack50 "" BillTrack50. In committee Jan. 14, 2025 "" and "" BillTrack50. Introduced Jan/Feb 2025 "" BillTrack50. In committee Mar. 31, 2025 "" and "" BillTrack50. In committee Jan/Feb 2025 "" (in committee, Feb. 24, 2025) and "" (in committee Mar. 4, 2025) BillTrack50 “, , , and ” Introduced January 2024. “” Introduced February 2024. “” Legislation failed as of May 2024. "" BillTrack50. Legislation failed March 5, 2024 "" BillTrack50. Legislation failed May 17, 2024 “” Passed Senate April 11, 2024, did not advance in the House, dead as of June 2024 "" BillTrack50. Legislation failed Feb. 13, 2024 "" BillTrack50. Legislation failed March 30, 2024 "" BillTrack50. In committee May 16, 2024 "" BillTrack50. Introduced and in committee Dec. 5, 2024 “” KFF. Accessed April 30, 2024.] And overall, the number of employer-sponsored plans that cover IVF and other fertility treatments has been increasing significantly in recent years, particularly among large employers. Forty-three percent of large employers covered IVF in 2022, up from 27% in 2020.[efn_note]“” Mercer. Sept. 28, 2023 “” KFF. Oct. 18, 2023 “” CMS.gov. Accessed April 30, 2024 “” KFF. Sept. 15, 2020 “” New York State Department of Health. Accessed May 1, 2024 “” Council of the District of Columbia. Accessed May 1, 2024 “” Ohio Capital Journal. Aug. 15, 2023 "" and "" BillTrack50. Introduced Jan. 6, 2025 "" BillTrack50. In committee Feb, 26, 2025 "" and "" BillTrack50. Introduced Jan/Feb 2025 "" BillTrack50. In committee, Feb. 27, 2025 "" and "" BillTrack50. Accessed Jan. 23, 2025 "" and "" and "" (in committee Mar. 6, 2025) BillTrack50. In committee Jan./Mar. 2025 “" and "" (introduced Jan. 9, 2024) and "" (introduced Oct. 24, 2024) BillTrack50 "" BillTrack50. In committee Feb. 27, 2025 "" BillTrack50. Introduced Dec. 5, 2024 , Currently, the state of Delaware, Maryland, and New Jersey have an infertility insurance law that mandates benefits for IVF. Bank of America offers unlimited IVF coverage after an infertility diagnosis. Since federal law does not require any health plans to cover infertility treatments, these services are left up to individual states., TRICARE doesn’t cover ART services. This includes IUI, IVF, cryopreservation, etc. Are you a service member or eligible beneficiary who is looking for ART services? They’re available from eight military hospitals that have obstetrics and gynecology reproductive endocrinology and infertility graduate medical education programs:.
HumanaBeginnings maternity program has experienced maternity registered nurses who provide education, support and guidance to expectant mothers., For instance, Arkansas will cover IVF for up to $15,000 while Connecticut mandate provides coverage for two IVF cycles and New York covers 3 IVF cycles. But others like Ohio, despite having an infertility mandate, provide no coverage for IVF treatment., Health insurance plans in Tennessee are not mandated to cover fertility treatments, including IVF, though some plans may offer partial coverage based on individual circumstances. To determine if your employer's health plan covers fertility treatments, contact your HR department or call the customer service number on your insurance card., The Blue Cross Blue Shield Association (BCBSA) is a leading provider of insurance infertility coverage in 19 states. However, the answer to whether insurance covers IVF is not a simple yes or no., Federal law does not require any health plans to cover infertility treatment. 3 Federal lawmakers have introduced legislation in 2025 that would require health plans to cover infertility treatment, but its future is uncertain. 4 (Several similar bills that were introduced in late 2024 died in committee.) 5, Health insurance plans that cover infertility treatment may not cover all types of infertility treatment. Hence, check the inclusions and exclusions of the plan before buying the insurance policy. Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes..