Mandated Coverage of Infertility Treatment
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as of November 2025
| Location | State Require Private Insurance Coverage of Infertility Services? | State Mandate to Cover in Medicaid? |
|---|---|---|
| United States | 23 Yes | 18 Yes |
| Alabama | Not Covered | Not Covered |
| Alaska | Not Covered | Not Covered |
| Arizona | Not Covered | Not Covered |
| Arkansas | Covered: All individual and group insurers, excluding HMOs & self-insured employers | Not Covered |
| California | Covered: All large group plans starting January 2026, excluding self-insured and religious employers. | Not Covered |
| Colorado | Covered: All large group plans, excluding self-insured, individual and small group plans, religious employers | Covered: Basic fertility and reproductive health counseling is provided; Not Covered: Sterilization reversal, infertility treatment, counseling and testing |
| Connecticut | Covered: Health insurance organizations, excluding persons on plan <12 months, self-insured and religious employers | Covered: Lab tests to detect the presence of conditions affecting reproductive health; Not Covered: Infertility treatment, sterilization reversal, IVF, IUI, cryopreservation, fertility drugs |
| Delaware | Covered: Individual and group insurers, HMOs, excluding employers with <50 employees, self-insured and religious employers | Not Covered |
| District of Columbia | Covered: All individual and group insurers, excluding self-insured employers | Covered: Diagnosis and fertility drugs |
| Florida | Not Covered | Not Covered |
| Georgia | Covered: Health insurance organizations for iatrogenic infertility starting January 2026, excluding self-insured employers | Covered: Infertility assessment: history/physical, education, lab testing, counseling, referral; Not Covered: Infertility procedures and related services |
| Hawaii | Covered: Individual and group insurers, excluding self-insured employers | Covered: Infertility assessment/some diagnostics covered by HMSA, Ohana, and Kaiser Permanente plans; Not Covered: No infertility services covered by Alohacare, HMSA, Kaiser Permanente, Ohana, or UnitedHealthcare Medicaid plans; Benefits vary between Medicaid managed care plans |
| Idaho | Not Covered | Not Covered |
| Illinois | Covered: Group insurers and HMOs, individual and group insurers for iatrogenic infertility, excluding employers <25 employees, self-insured and religious employers | Covered: Fertility preservation for iatrogenic infertility |
| Indiana | Not Covered | Not Covered |
| Iowa | Not Covered | Not Covered |
| Kansas | Not Covered | Not Covered; Benefits vary between Medicaid managed care plans |
| Kentucky | Covered: Health insurance organizations, excluding self-insured and religious employers | Not Covered |
| Louisiana | Covered: Health insurance organizations for cancer-related iatrogenic infertility, excluding self-insured and religious employers | Covered: Education on fertility regulation; Not Covered: Fertility drugs; Benefits vary between Medicaid managed care plans |
| Maine | Covered: Health insurance organizations | Not Covered |
| Maryland | Covered: Individual and group insurers, excluding employers <50 employees, self-insured and religious employers | Covered: Fertility preservation for iatrogenic infertility |
| Massachusetts | Covered: All insurers and HMOs, excluding self-insured employers | Covered: Counseling and diagnosis for infertility, including related services; Not Covered: Treatment of infertility (lab tests, drugs, procedures) |
| Michigan | Not Covered | Covered: Diagnosis of male or female infertility; Not Covered: Infertility treatment, anesthesia related to infertility treatment, genetic testing infertility |
| Minnesota | Not Covered | Covered: Counseling for and diagnosis of infertility, including related services; Not Covered: IUI, IVF, fertility drugs and related services, and sterilization reversal. |
| Mississippi | Not Covered | Not Covered |
| Missouri | Not Covered | Not Covered |
| Montana | Covered: HMOs; individual and group plans for cancer-related iatrogenic infertility, excluding self-insured and religious employers | Covered: Evaluation of laboratory assessments, fertility preservation for cancer-related iatrogenic infertility; Not Covered: infertility treatment |
| Nebraska | Not Covered | Covered: Infertility diagnosis/treatment when infertility is a symptom of a suspected medical problem - no coverage if the sole purpose is achieving pregnancy; Not Covered: Fertility drugs |
| Nevada | Not Covered | Not Covered; Benefits vary between Medicaid managed care plans |
| New Hampshire | Covered: Group insurers, excluding small business health options program, extended transition to ACA-programs, and self-insured employers | Covered: Infertility services if related to diagnosis/treatment of medical conditions; Not Covered: Operations/procedures and medications for the purpose of fertility; Benefits vary between Medicaid managed care plans |
| New Jersey | Covered: Group insurers, HMOs, State Health Benefits Program, School Employees Health Benefits Program, excluding employers <50 employees, self-insured and religious employers | Not Covered |
| New Mexico | Not Covered | Covered: The evaluation of infertility for Presbyterian Health Plan; Not Covered: Infertility treatment for Presbyterian Health Plan, All infertility services/treatment for BCBS of NM, Western Sky Community Care; Benefits vary between Medicaid managed care plans |
| New York | Covered: Large group insurance market for IVF (employers >100 employees), all commercial markets for cryopreservation, excluding individual and small group markets for IVF, and self-insured employers | Covered: Infertility office visits, diagnosis (HSG, pelvic ultrasounds, lab tests), fertility drugs; Not Covered: infertility treatments outside of those specifically listed as covered |
| North Carolina | Not Covered | Not Covered |
| North Dakota | Not Covered | Not Covered |
| Ohio | Covered: HMOs, excluding self-insured | Not Covered |
| Oklahoma | Covered: Health insurance organizations for cancer-related iatrogenic infertility, excluding religious employers | Covered: Cancer-related iatrogenic infertility |
| Oregon | Not Covered | Not Covered |
| Pennsylvania | Not Covered | Not Covered; Benefits vary between Medicaid managed care plans |
| Rhode Island | Covered: Insurers and HMOs, excluding self-insured employers | Not Covered; Benefits vary between Medicaid managed care plans |
| South Carolina | Not Covered | Not Covered |
| South Dakota | Not Covered | Not Covered |
| Tennessee | Not Covered | Not Covered |
| Texas | Mandate to offer IVF, cover cancer-related iatrogenic infertility, excluding self-insured and religious employers | Not Covered; Benefits vary between Medicaid managed care plans |
| Utah | Covered: Insurers, excluding self-insured employers | Covered: Testing and IVF for individuals with certain genetic conditions, fertility preservation for cancer-related iatrogenic infertility |
| Vermont | Not Covered | Not Covered |
| Virginia | Not Covered | Not Covered |
| Washington | Not Covered | Not Covered |
| West Virginia | Covered: HMOs, excluding all other insurers | Not Covered |
| Wisconsin | Not Covered | Not Covered |
| Wyoming | Not Covered | Not Covered |