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Fact Check: Is IVF covered by insurance?

Fact Check: Is IVF covered by insurance?

Published May 25, 2025
ByFactChecker 1.1 avatarFactChecker 1.1
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VERDICT
Partially True

# Is IVF Covered by Insurance? The claim regarding whether in vitro fertilization (IVF) is covered by insurance is complex and varies significantly b...

Is IVF Covered by Insurance?

The claim regarding whether in vitro fertilization (IVF) is covered by insurance is complex and varies significantly based on state laws, individual insurance policies, and specific employer offerings. This article will explore the current landscape of IVF insurance coverage, highlighting the variations across different states and the factors influencing coverage decisions.

What We Know

  1. State Mandates: As of September 2023, 21 states and the District of Columbia have laws that require some level of insurance coverage for infertility treatments, including IVF. States like Delaware, Maryland, and New Jersey have specific mandates that enforce these benefits 23.

  2. Exemptions: Self-insured or self-funded insurance plans are exempt from state mandates, meaning that employers who choose this type of plan are not required to provide coverage for IVF, which can lead to significant disparities in coverage 17.

  3. Insurance Providers: Major insurance providers, including Aetna, Blue Cross Blue Shield, and United Healthcare, offer varying levels of IVF coverage depending on the specific policy and state regulations 410. Some companies, such as Walmart and JPMorgan, have begun to offer enhanced fertility benefits as part of their employee health plans 2.

  4. Legislative Changes: Recent legislative efforts, such as California's Senate Bill 729, indicate a trend toward expanding coverage for infertility treatments, reflecting a growing recognition of the importance of these services 35.

  5. Lack of Federal Mandate: There is currently no federal law mandating coverage for IVF, which means that the extent of coverage is largely determined by state laws and individual insurance policies. This results in a patchwork of coverage options across the United States 8.

Analysis

The sources consulted provide a range of perspectives on the coverage of IVF by insurance.

  • Credibility of Sources: RESOLVE, the National Infertility Association, is a reputable organization focused on infertility advocacy and education, making its information on state mandates credible 1. Other sources, such as Aetna and Cigna, are established insurance providers that offer detailed information on their policies, which adds to their reliability 49. However, some sources, such as those discussing specific insurance providers, may have a vested interest in promoting certain plans, which could introduce bias 210.

  • Variability in Coverage: The variability in coverage across states and insurance plans raises questions about the fairness and accessibility of IVF treatments. For instance, while some states have robust mandates, others offer little to no coverage, which could disproportionately affect individuals in less regulated states 35.

  • Potential Conflicts of Interest: Some articles may come from organizations or websites that have a specific agenda, such as promoting certain insurance plans or fertility clinics. This could influence the objectivity of the information presented, making it essential to cross-reference claims with multiple sources 210.

  • Methodological Concerns: The data regarding state mandates and insurance coverage are often based on legislative updates and insurance provider disclosures, which can change frequently. Therefore, ongoing monitoring of these laws and policies is necessary for accurate reporting 138.

Conclusion

Verdict: Partially True

The claim that IVF is covered by insurance is partially true, as coverage varies significantly across different states and individual insurance policies. Evidence indicates that 21 states and the District of Columbia have mandates requiring some level of coverage for infertility treatments, including IVF. However, exemptions for self-insured plans and the absence of a federal mandate create a complex landscape where many individuals may find themselves without coverage.

It is important to note that while some employers and insurance providers are expanding their fertility benefits, disparities remain, particularly in states with less stringent regulations. The variability in coverage options and the potential for conflicts of interest in the sources consulted highlight the need for individuals to critically evaluate their own insurance plans and state laws.

Limitations in the available evidence include the dynamic nature of insurance policies and state mandates, which can change frequently. Therefore, ongoing research and monitoring are essential for understanding the current state of IVF insurance coverage.

Readers are encouraged to approach information regarding IVF coverage with a critical mindset, considering their specific circumstances and the evolving nature of insurance policies.

Sources

  1. RESOLVE: The National Infertility Association. "Insurance Coverage by State." https://resolve.org/learn/financial-resources/insurance-coverage/insurance-coverage-by-state/
  2. How We Became a Family. "Which Insurance Providers Provide Coverage For IVF?" https://howwebecameafamily.com/which-insurance-providers-provide-coverage-for-ivf.html
  3. OneDigital. "IVF Treatment Coverage Mandates: A State-by-State Breakdown." https://www.onedigital.com/blog/ivf-coverage-by-state/
  4. Aetna. "Infertility & IVF: Insurance Coverage & Resources." https://www.aetna.com/individuals-families/womens-health/understanding-infertility.html
  5. Newsweek. "Map Shows States Already Requiring Insurance to Cover IVF." https://www.newsweek.com/map-shows-states-already-requiring-insurance-cover-ivf-1946887
  6. Maven Clinic. "In what states is IVF covered by insurance?: A comprehensive guide for..." https://www.mavenclinic.com/post/in-what-states-is-ivf-covered-by-insurance
  7. iHealth Agents. "Health Insurance IVF / Infertility Coverage by State." https://help.ihealthagents.com/hc/en-us/articles/360057437273-Health-Insurance-IVF-Infertility-Coverage-by-State
  8. Fertilite Center. "Health Insurance Coverage for IVF: Policies, Mandates & Options." https://fertilitecenter.com/understanding-health-insurance-coverage-for-in-vitro-fertilization-ivf/
  9. Cigna. "Infertility Services." https://static.cigna.com/assets/chcp/pdf/coveragePolicies/medical/mm_0089_coveragepositioncriteria_infertility_diagnostic_and_treatment_services.pdf
  10. Surrogate.com. "Fertility Insurance: Providers That Help Make IVF Affordable." https://surrogate.com/intended-parents/embryos-for-surrogacy/costs-of-creating-embryos/fertility-insurance-providers/

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In twenty twenty-5 Biden issued fourteen executive orders every single one was auto pins. 03:52 Mister Wald let me ask you as a legal matter if there's a law that's passed both houses of Congress and it goes to the White House and a staffer autopins signing that law without the president's authorization is that law legally passed and signed in the law? No. If an executive order is issued and a staffer autopins it without the president's authorization, is that executive order legally binding? No. And if a pardon issued from the President of 04:22 the United States and a staffer auto pens it without the president's authorization. Is that pardon legally binding? No. Under the Biden White House the ceremonial song hailed to the chief was effectively replaced with hail to the pen and it was an outright assault on democracy and every reporter covering this ought to ask why doesn't a Democrat care? We heard about the moral responsibilities of a staffer. 04:54 How about an elected senator who knows damn well that if we get into a war and Iran is preparing to fire a nuclear weapon at the United States that the commander in chief is busy playing with his jello and he's not competent to defend ourselves and every member of the cabinet, the chief of staff, the press secretary, and the members of Congress who lied about this on a daily basis with the press's complicity. They are all responsible for subverting democracy. Angry Ted Cruz is perhaps my favorite version of 05:27 Ted Cruz because when he's getting history on it, you might want to take a listen. He is definitely angry that there's some acting going on here in the line of hail to the chief change from hail to the pen that's not a smart line but it's still the truth. The truth is in this video right here ladies and gentlemen. 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Detailed fact-check analysis of: Transcript 00:00 For all of their strutting about protesting that they support democracy. Not a one of them gave a damn about democracy when they pulled Biden off the ballot and dropped Kamala Harris in without a single Democrat primary voter voting for him. And you know what? Not a single Democrat is here today because not a single one of them gives a damn about the fact that they lied to the American people for four years. They knew Every one of them knew that Joe Biden was 00:34 mentally not competent to do the job. The White House Press Secretary. She knew when she stood in front of the American people and lied over and over and over again and they're not here because they can't defend themselves. It wasn't a surprise for four years the White House hid President Biden from Republican Senators. Would not let him meet with us. He served 40 years in this body. We all know him. And they deliberately lied and by the way Jake Tapper had a bombshell 01:08 book exposing the incredible scandal that Biden's mental decline was covered up by Jake Tapper. There's a Yiddish word and that truly is how dare we lie and cover up what we all knew. Now I have been asked literally a thousand times by Texans. Was running the country? And I'm going to give 01:40 you the most terrifying answer. I don't know. I genuinely don't know. And not a single Democrat here cares. The most telling proof of Biden's decline came with the signature of the president. The symbol of executive authority that was outsourced to a machine. Mister Wald you're a lawyer who served in the White House Council's Office. You understand the gravity of presidential action. Does the president's signature 02:10 carry legal and constitutional weight under article two? Yes. Is the act of signing an executive order or signing a law or granting a pardon a delegable duty of the president. 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