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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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 312 companies

Company	IVF	IUI	Egg Freezing	Surrogacy	Adoption	Medications	Notes
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
Apple	✅	—	✅	✅	✅	—	IVF: Up to $20,000 lifetime \| Yes
Arlington Public Schools (VA)	—	—	—	—	—	—	APS uses Cigna OAP/POS/HDHP plans. Virginia has no state IVF mandate. No specific infertility benefit found in public benefits guide. Contact benefits@apsva.us or call 703-228-6101 to verify. \| Part-time: Not confirmed
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
Avon Products	✅	✅	—	—	—	—	All IF tx including IVF (Aetna/US Healthcare). (Source: 2004 INCIID employer list — benefits may have changed)
Bain & Company	✅	—	✅	✅	✅	—	IVF: Unlimited — no cycle or dollar cap \| Yes
Baker & McKenzie	✅	✅	—	—	—	✅	All IF tx including IVF (Cigna PPO); covers all IF treatments and drugs including up to 4 IVF treatments. (Source: 2004 INCIID employer list — benefits may have changed)
Baldwin risk partners	—	—	—	—	—	—	Insurance: United healthcare \| Covers: Minimal coverage after requirements are met \| Company purports that coverage exists, would not detail coverage available further than above. Suspect it is state required minimal coverage.
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
BP	✅	✅	—	—	—	—	Insurance: Progyny \| Covers: IUI, IVF \| 3 cycles
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).
Bumble	✅	—	✅	✅	✅	—	IVF: Yes — discounts on IVF \| Yes
Capital One	✅	✅	—	—	✅	✅	Infertility benefit coinsurance limit of 50% on all network and non-network related infertility services. Lifetime maximum of $10,000. Infertility prescriptions covered at 50% co-insurance. Adoption assistance included. (Source: 2004 INCIID employer list — benefits may have changed)

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