Employer Fertility Benefits Registry

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⚠️ Important: This is a consumer-to-consumer resource compiled and maintained by our community. Benefits change frequently and details may vary by plan, location, or employment status. Always verify coverage directly with your HR department or benefits administrator before making any decisions. If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.

Filter by benefit: All IVF Coverage IUI Coverage Egg Freezing Surrogacy Benefits Adoption Assistance Fertility Medications

Showing 20 of 158 companies

Company	IVF	IUI	Egg Freezing	Surrogacy	Adoption	Medications	Notes
A&E Networks	✅	—	✅	✅	✅	—	IVF: Up to $50,000 lifetime \| Yes
Abbott	✅	✅	—	—	✅	✅	All IF tx including IVF; prior approval required. Coverage for up to 4 attempts. Adoption assistance of $2,500/child/year. (Source: 2004 INCIID employer list — benefits may have changed)
AbbVie	✅	✅	—	—	✅	✅	Insurance: BCBS or United \| Covers: TI, IUI, IVF, Adoption, Medications \| Adoption assistance is separate program. Medications through CVS Specialty, benefit increases to 25k for meds in 2020. Medical coverage doesnt differentiate fertility treatment from other types of care. Exclusion if youre been voluntarily sterilized in the past. Must enroll in nurse steerage program.
Adobe	✅	—	✅	✅	✅	—	IVF: Yes — 80–90% of pre-certified costs \| Yes
Aetna	✅	✅	—	—	✅	✅	Insurance: Aetna for medical coverage, CVS for pharmacy coverage \| Covers: TI, IUI, IVF, Adoption, Medications \| Letrozole/Clomid covered without limit (no prior auth on either); 6 IUI; 3 full IVF cycles (note: a transfer counts as a half cycle, an embryo retrieval plus a fresh transfer is a full cycle; on first transfer if younger than 35 and only transfer one embryo, they will give you an additional transfer as an incentive); max $10,000 on fertility meds
Alcon	✅	✅	—	✅	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| 2 smart cycles. Also available: adoption and surrogate funding (partial)
Alnylam Pharmaceuticals	✅	✅	—	✅	✅	✅	Insurance: BCBSMA \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| Full IVF coverage. No limit on cycles, $10k limit for elective cycles. Medication under pharmacy benefit. No limit, copay only. $30k carrot fertility benefit.
Amazon	✅	—	✅	✅	✅	—	IVF: Yes — Smart Cycle (1+1 model) \| Yes \| Part-time: Yes — full & part-time
American Express	✅	—	✅	✅	✅	—	IVF: Up to $35,000 lifetime \| Adoption: Yes — up to $35,000 \| Yes — up to $35,000
Anthem	✅	✅	—	✅	✅	✅	Insurance: Anthem \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| $10k lifetime for infertility, $10k for adoption or surrogacy (on top of ART bucket), $5k per YEAR for meds. No pre-auth or requirements. They do cover donor gametes but at really low reimbursement amounts ($125) so the majority of donor sperm for example is out of pocket.
Antunes	✅	✅	—	—	✅	✅	Insurance: Blue Cross Blue Shield \| Covers: TI, IUI, IVF, Adoption, Medications \| No limit on IUI and IVF
Apple	✅	—	✅	✅	✅	—	IVF: Up to $20,000 lifetime \| Yes
AstraZeneca	✅	✅	—	—	✅	✅	All IF tx including IVF (Blue Cross/Blue Shield); $40k lifetime max. Meds covered with $10 co-pay per med. Adoption assistance $5k. (Source: 2004 INCIID employer list — benefits may have changed)
Bain & Company	✅	—	✅	✅	✅	—	IVF: Unlimited — no cycle or dollar cap \| Yes
Bank of America	✅	—	✅	✅	✅	—	IVF: Unlimited (after infertility diagnosis) \| Yes — up to $20,000
Barclays	✅	✅	—	—	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Medications \| 3 smart cycles + some adoption reimbursement (i think 15K)
BetterUp	✅	✅	—	✅	✅	✅	Insurance: Cigna \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| 25K per year Fertility HRA
Bill & Melinda Gates Foundation	✅	—	✅	✅	✅	—	IVF: 4 IVF cycles \| Yes
Boston Consulting Group	✅	—	✅	✅	✅	—	IVF: Unlimited — no restrictions \| Yes
Bridgewater Assoc. LP	✅	✅	—	✅	✅	✅	Insurance: Aetna \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| Under Aetna unlimited coverage for ART cycles( IUI IVF) with diagnosis of infertility. The company also provides some reimbursement for adoption and or surrogacy fees (up to 30K).

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