IVF Covered by Insurance: What You Need to Know

In vitro fertilization (IVF) is a fertility treatment that helps couples struggling with infertility. However, the cost of IVF can be a major barrier to many couples who want to explore this option. Fortunately, some insurance providers offer coverage for the procedure. In this article, we will explain everything you need to know about IVF covered by insurance.

What is IVF?

IVF is a procedure that involves fertilizing an egg with sperm outside the body in a laboratory. Once the egg is fertilized, it is implanted back into the uterus for further development. IVF is typically recommended for couples who have been struggling to conceive naturally or have underlying fertility issues.

How Does IVF Work?

The IVF process involves multiple steps, including:

Ovarian Stimulation: The patient is given medication to stimulate the ovaries to produce multiple eggs.
Egg Retrieval: The eggs are retrieved from the ovaries using a small needle.
Sperm Collection: The sperm is collected from the male partner or a donor.
Fertilization: The eggs and sperm are combined in a laboratory dish to facilitate fertilization.
Embryo Transfer: The fertilized eggs (embryos) are transferred back into the uterus for implantation.

Does Insurance Cover IVF?

Some insurance providers offer coverage for IVF. However, the extent of the coverage can vary depending on the provider and the plan. It is essential to check with your insurance company to determine what is and isn’t covered.

What Factors Affect Insurance Coverage for IVF?

Some of the factors that can affect insurance coverage for IVF include:

  • The type of insurance plan you have
  • Your location
  • Your diagnosis
  • Your age
  • The number of previous IVF cycles you have undergone

How to Find Out if Your Insurance Covers IVF?

The best way to find out if your insurance covers IVF is to contact your insurance provider directly. Be sure to ask questions such as:

  • What specific IVF treatments are covered?
  • What is the maximum coverage amount?
  • Are there any limits on the number of IVF cycles?
  • Do I need pre-authorization for the procedure?

What Are Some Common Insurance Policies That Cover IVF?

While coverage for IVF can vary widely, some insurance providers that commonly cover the procedure include:

  • Aetna
  • Blue Cross Blue Shield
  • Cigna
  • United Healthcare

What Are Some Alternatives to Insurance Coverage for IVF?

If your insurance does not offer coverage for IVF or only covers a portion of the cost, there are some alternatives you can consider, including:

  • Paying out of pocket
  • Financing options
  • Discount programs through IVF clinics
  • Crowdfunding

What is the Average Cost of IVF?

The cost of IVF can vary depending on factors such as location and the individual’s specific treatment plan. On average, a single cycle of IVF can cost anywhere from $10,000 to $15,000. This cost does not include additional fees such as medications and diagnostic testing.


What is the success rate of IVF?

The success rate of IVF can vary depending on factors such as age and the underlying cause of infertility. According to the Centers for Disease Control and Prevention (CDC), the national average success rate for IVF is around 25% for women under 35 years old. The success rate decreases with age.

Are there any risks associated with IVF?

Like any medical procedure, IVF comes with potential risks. Some of these risks include:

  • Miscarriage
  • Ectopic pregnancy
  • Multiple pregnancies
  • Ovarian hyperstimulation syndrome (OHSS)

Can insurance cover genetic testing in conjunction with IVF treatment?

Some insurance policies may cover genetic testing in conjunction with IVF treatment. It is important to check with your insurance provider to determine if this is the case for your specific policy.

Can IVF be used for gender selection?

IVF can be used for gender selection in some cases. However, the practice is controversial and is not legal in all countries.

Is IVF covered by Medicare?

Medicare does not currently offer coverage for IVF. However, some states offer programs that provide financial assistance for fertility treatment.


IVF is a viable fertility treatment option for many couples struggling with infertility. While the cost of the procedure can be a barrier for some, insurance coverage and alternative financing options can make the treatment more accessible. By understanding your insurance coverage options and exploring alternative financing options, you can make an informed decision about whether IVF is the right choice for you.