Will IVF be covered by insurance in the US?

Sometimes. There is no federal rule that makes all health plans cover IVF. Coverage depends on your state and your specific plan. As of August 2025, 22 states plus Washington, D.C., have some kind of fertility insurance law, and 15 of those include IVF. These laws vary a lot by what is covered and who qualifies.

A few key points to make sense of it

Plan type matters: State mandates usually apply only to fully insured plans. Many large employers use self-funded plans governed by ERISA, which are not bound by state insurance mandates. That is why two people in the same state can have different benefits.

Federal and public employee plans: For 2025, 25 FEHB plan options cover IVF services, and all FEHB carriers must cover three cycles of IVF-related drugs, but IVF coverage still varies by option.

Medicaid: Coverage is limited. A few states cover some diagnostic services, but most state Medicaid programs do not cover IVF.

New laws are emerging: Example: California passed a law to require many large-group policies to cover infertility care including IVF, but implementation was delayed to January 1, 2026. Details still depend on plan type and employer funding.

How to check your own coverage in 5 minutes

Open your plan’s Summary of Benefits and Coverage and search for “infertility,” “IVF,” and “assisted reproduction.”

Confirm your plan type: fully insured vs self-funded. If it is self-funded, state mandates may not apply.

Look for caps and rules: cycle or dollar limits, prior authorization, required months of trying, age limits, and whether single individuals and LGBTQ+ members qualify under the plan’s definition of infertility.

Where Strawberry fits

Before you commit time and money, it helps to understand your starting point. Our at-home Ovarian Reserve Blood Test and Fertility Blood Test give you lab-grade context and a Personalized Fertility Timeline you can bring to benefits calls and clinic consults. That way, whether your plan covers IVF now, later, or not at all, you are deciding with your own data.