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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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 190 companies

Company	IVF	IUI	Egg Freezing	Surrogacy	Adoption	Medications	Notes
2U	✅	✅	—	—	—	✅	Insurance: Cigna \| Covers: TI, IUI, IVF, Medications \| No lifetime max (unsure if it covers adoption or surrogacy)
3M	✅	✅	—	—	—	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Medications \| Full coverage for 3 IVF cycles with PGS and 3 FETs, or coverage for many IUIs. All medications included. Subject to medical plan deductible/OOPMax ($5400 individual/$10,800 family). Started 1/2020.
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.
AbelCine	✅	✅	—	—	—	✅	Insurance: Oxford UHC \| Covers: TI, IUI, IVF, Medications \| $10k lifetime max for IVF. Meds and IUI are both uncapped and dont count toward max. Reasonable copays for those.
Accenture	✅	✅	—	—	—	✅	All IF tx including IVF (BlueCross Blue Shield); infertility coverage is $35,000 lifetime maximum covering diagnostic and any infertility treatments including IVF. Copay is $10. (Source: 2004 INCIID employer list — benefits may have changed)
Ace Hardware	✅	✅	—	—	—	✅	All IF tx including IVF (Cigna HMO Illinois); 4 attempts. All tx and drugs covered with $10 copay. (Source: 2004 INCIID employer list — benefits may have changed)
Advance Auto Parts	✅	✅	—	—	—	✅	Insurance: Blue Cross Blue Shield \| Covers: TI, IUI, IVF, Medications \| 15k lifetime max
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)
All public universities in Oregon	✅	✅	—	—	—	✅	Insurance: Providence, Kaiser Permanente, Moda (via Public Employees Benefit Board) \| Covers: TI, IUI, IVF, Medications \| New in 2022. Up to $35K annual benefit. Info here: https://www.oregon.gov/oha/PEBB/Pages/Enrollment-2022.aspx
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.
American Airlines	✅	✅	—	—	—	✅	Insurance: BCBS of TX \| Covers: TI, IUI, IVF, Medications \| 25k Lifetime on fertility procedures. (Dr. Visits, infertility diagnosis procedures, blood work, and sonograms dont count against and are covered under regular process) 15k in medicine through ExpressScripts. Must use Freedom Fertility Pharmacy.
American Red Cross	✅	✅	—	—	—	✅	Insurance: UHC \| Covers: IUI, IVF, Medications \| 25k procedure lifetime, 10k meds lifetime
Anne Arundel County	✅	✅	—	—	—	✅	Insurance: Carefirst \| Covers: TI, IUI, IVF, Medications \| Everything was covered and only costs were the copays at each visit and for medication. The only thing that wasnt covered is embryo freezing and storage. Total costs for 3 IUIs, embryo storage and freezing and 1 IVF retrieval and transfer did not exceed $4000.
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
Aon	✅	✅	—	—	—	✅	Insurance: Blue Cross Blue Shield of Illinois \| Covers: IUI, IVF, Medications \| After deductible, unlimited iui up to 4 egg retrievals a year
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)
Atlantic Lottery	—	—	—	—	—	✅	Insurance: Blue Cross \| Covers: Medications \| $1500 per calendar year, max $3000

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