ABA Family Legal Guide

Health-Care Law

Specific Issues in Health Care

Assisted Reproductive Technologies

Does my insurance cover infertility treatments?

Few insurance plans directly cover treatment for infertility, although some policies are starting to cover IVF as the cost decreases and the success rates increase. Policies may also cover treatment for illnesses (such as endometriosis) that contribute to infertility. Some policies will cover infertility treatment if the couple has been trying to conceive for a year or more. Consumers are fighting to get more coverage for infertility treatment. Some states now mandate that insurance companies include infertility treatment in their plans.