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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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 222 companies

Company	IVF	IUI	Egg Freezing	Surrogacy	Adoption	Medications	Notes
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)
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
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).
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)
Cargill	✅	✅	—	—	—	✅	All IF tx including IVF (Unicare); 10K Lifetime max, 50% injectibles. (Source: 2004 INCIID employer list — benefits may have changed)
Cerner	✅	✅	—	—	✅	✅	Insurance: Progyny/self insured \| Covers: TI, IUI, IVF, Adoption, Medications \| Adoption benefits provided as a flat payment after finalisation
CH Robinson	✅	✅	—	✅	✅	✅	Insurance: Progyny / United Health Care \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications via CVS healthcare plan with United Healthcares \| 2 smart cycles with progyny
Chase Bank	✅	✅	—	—	✅	✅	All IF treatments including IVF; $25,000 lifetime benefit for IF (not including meds); $5,000 lifetime benefit for IF-specific meds; Adoption benefit of $10,000. (Source: 2004 INCIID employer list — benefits may have changed)
CHI Mercy Medical Center	✅	✅	—	—	✅	—	Insurance: Blue Cross Blue Shield of Illinois \| Covers: IUI, IVF, Adoption
Chime	✅	✅	—	✅	✅	✅	Insurance: Maven \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| $10,000 per year towards infertility or adoption. Partner clinics through Maven for 10% off treatments and meds.
Cigna	✅	✅	—	—	✅	✅	Insurance: Cigna \| Covers: TI, IUI, IVF, Adoption, Medications \| $15k lifetime max
Cincinnati Childrens Hospital	✅	✅	—	—	—	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Medications \| 1 smart cycle w/ backup cycle
Citibank	✅	✅	—	—	—	✅	All IF tx including IVF (United Healthcare); limited to three artificial insemination and three IVF procedures in a lifetime. Network: $8,000/yr. limit. (Source: 2004 INCIID employer list — benefits may have changed)
City and County of San Francisco	✅	✅	✅	—	—	✅	Insurance: Blue Cross HMO, Blue Cross PPO, Kaiser \| Covers: TI, IUI, IVF, Medications, 1 round egg freezing \| 50% coverage for: 2 rounds of IVF, including meds and ICSI; 6 natural IUIs; 3 medicated IUIs; 1 round egg freezing; unlimited embryo transfers, unlimited PGD testing
Cloudflare	✅	✅	—	✅	✅	—	Insurance: Carrot \| Covers: TI, IUI, IVF, Adoption, Surrogacy \| $15,000 lifetime maximum
CNA insurance	✅	✅	—	—	✅	✅	Insurance: Unitedhealth care \| Covers: IUI, IVF, Adoption, Medications \| $25,000 lifetime limit for medical $10,000 lifetime limit for pharmacy no coverage for embryo testing
Colgate	✅	✅	—	—	—	✅	All IF tx (United Healthcare POS). 3 IVF attempts lifetime maximum. In network co-pay only, out of network 80%, meds copay $10. (Source: 2004 INCIID employer list — benefits may have changed)
Columbia University	✅	✅	—	—	—	✅	Insurance: United Healthcare \| Covers: IUI, IVF, Medications \| $30k lifetime max for IVF, specifically. No proof required for IVF (aka social infertility is covered) and no # of IUIs need to be done prior to starting IVF for full insurance coverage. This plan also fully covers PGT testing, embryo storage, and I believe donor sperm/egg costs. IUI is fully covered and any associated costs are not pulled from the lifetime max as long as its in network and there is a separate bucket for medication - I believe its $10k or $20k? Overall, fantastic coverage. You do need to sign up for UHCs fertility benefits program before you start.

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