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The IVF Fertility Blog

Are Fertility Treatments Covered By Insurance

While fertility treatments are well worth the cost, lack of fertility insurance benefits makes fertility care out of the reach of many people.  Although Affordable Care Act, also known as ACA, provides mandates for the minimum amount of coverage a medical insurance policy must provide, fertility insurance was largely ignored.


There are some aspects of fertility care that are covered under the Essential Health Benefits, EHB, of the Affordable Care Act including:

  • Maternity care and delivery
  • Prescription drugs
  • Laboratory services
  • Wellness services including physicals and annual pap smears

Seven states, Arkansas, Connecticut, Hawaii, Illinois, Massachusetts, Maryland and New Jersey have enacted IVF mandates at the state level.  However, some employers are exempt from providing this benefits in their medical plans based on their size.

Fertility issues are medical concerns and therefore infertility insurance should be provided in medical insurance plans.  Fertility issuess affect more than 7 million Americans, many of whom are unable to afford treatment without insurance coverage.  Although fertility issues are not life threatening, they certainly do negatively affect lives such as other chronic, but not fatal conditions.

In May of 2014, the Massachusetts Medical Society passed a resolution to continue to support the effort to expand fertility insurance coverage in that state. This referendum is widely supported in the medical community, including by the American College of Obstetricians and Gynecologists and the New England Fertility society.  The hope is that this type of push and involvement from the medical community as a whole will impact fertility insurance coverage at the federal level.  Additionally, the Massachusetts resolution has the ability to impact Medical Societies in other states to enact similar stances and reforms.

As with many issues, the strongest weapon in the fight for mandatory insurance coverage for all is constant communication.  Reaching out to your local and federal officials on a regular basis keeps the issue in the forefront.

For additional information about fertility treatments including out of pocket cost and your level of insurance coverage, contact New Hope Fertility Center today.

Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676. Thank You.

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