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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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 298 companies

Company	IVF	IUI	Egg Freezing	Surrogacy	Adoption	Medications	Notes
Santander Bank	✅	✅	—	✅	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications, Other \| 2 smart cycles
SAS Institute	✅	✅	—	—	—	—	All IF tx including IVF. (Source: 2004 INCIID employer list — benefits may have changed)
Seagen	✅	✅	—	✅	—	✅	Insurance: Premera \| Covers: TI, IUI, IVF, Surrogacy, Medications \| lifetime max $14k, includes meds
Seagen	✅	✅	—	✅	—	✅	Insurance: Premera \| Covers: TI, IUI, IVF, Surrogacy, Medications \| lifetime max $14k, includes meds
Sedgwick	✅	✅	—	—	✅	✅	Insurance: Progeny \| Covers: TI, IUI, IVF, Adoption, Medications \| Includes 2 smart cycles - also provides $10,000 toward adoption
Sephora	✅	—	✅	✅	✅	—	IVF: Yes — covered \| Yes
Siemens Healthineers	✅	✅	—	—	—	✅	Insurance: Anthem Blue Cross Blue Shield \| Covers: IUI, IVF, Medications \| 15k lifetime limit for IVF
Siemens Healthineers	✅	✅	—	—	—	✅	Insurance: Anthem Blue Cross Blue Shield \| Covers: IUI, IVF, Medications \| 15k lifetime limit for IVF
Snap Inc	✅	✅	—	✅	✅	✅	Insurance: Anthem BCBS \| Covers: IUI, IVF, Adoption, Surrogacy, Medications \| $40 lifetime for fertility treatments, $80k for surrogacy. Administered thru Carrot. Theoretically an extra $20k thru insurance but I havent confirmed what that covers.
Snap Inc.	✅	—	✅	✅	✅	—	IVF: Yes — covered \| Adoption: Yes — up to $80,000 \| Yes
Sonos	✅	✅	—	—	—	—	Insurance: Aetna \| Covers: TI, IUI, IVF \| 3x medicated cycles required (IUI) before moving to IVF if under 37. Injectable meds not covered. 3 IVF cycles covered. ICSI only covered if v.low sperm count/quality/2 previous rounds of IVF that didnt result in fertilization. I dont know the policy for Adoption/Surrogacy
Sonos	✅	✅	—	—	—	—	Insurance: Aetna \| Covers: TI, IUI, IVF \| 3x medicated cycles required (IUI) before moving to IVF if under 37. Injectable meds not covered. 3 IVF cycles covered. ICSI only covered if v.low sperm count/quality/2 previous rounds of IVF that didnt result in fertilization. I dont know the policy for Adoption/Surrogacy
Southwest Airlines	✅	✅	—	—	—	✅	Insurance: United \| Covers: TI, IUI, IVF, Medications \| $5k lifetime max medicine (50% coverage) Must Use CVS Specialty Pharmacy. 50% coverage of medical procedures up to 20k
Spotify	✅	—	✅	✅	✅	—	IVF: Unlimited IVF with PGT testing \| Adoption: Yes — up to $60,000 \| Yes
Square	✅	✅	—	✅	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| Progyny coverage for 2 smart cycles. $10k adoption benefit per child
Stantec	✅	✅	—	—	—	—	Insurance: Cigna \| Covers: IUI, IVF \| 1 Progyny smart cycle: 1 IVF or 4 IUIs
Stantec	✅	✅	—	—	—	—	Insurance: Cigna \| Covers: IUI, IVF \| 1 Progyny smart cycle: 1 IVF or 4 IUIs
Staples	✅	✅	—	—	✅	✅	All IF tx including IVF (Cigna) for full-time employees. Corporation offers $4,000-5,000 towards adoption. Cigna out-of-network benefits offer $50,000 to cover ART. (Source: 2004 INCIID employer list — benefits may have changed)
Starbucks	✅	—	✅	✅	✅	✅	IVF: Up to $25,000 + Rx coverage \| Adoption: Yes — up to $10,000 \| Yes — up to $10,000 \| Part-time: Yes — full & part-time
State of Minnesota	✅	✅	—	—	—	—	$30,000 lifetime maximum for fertility treatment, combined across Blue Cross and HealthPartners (does not reset if you switch administrators). No infertility diagnosis required. Prescription medications, mental health care, and travel are excluded from the $30,000 cap — medications have no dollar limit; travel has a separate $5,000 lifetime max. Excludes surrogacy/gestational carrier costs, donor sperm/ova procurement, and embryo storage beyond one year. Egg freezing is unknown: Last verified August 21, 2026

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