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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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
Federated Mutual Insurance	✅	✅	—	—	✅	✅	Insurance: BCBS \| Covers: IUI, IVF, Adoption, Medications \| $10k adoption, $30k lifetime max Infertility (covered 100% after deductible/out of pocket) PGS and frozen storage not covered
Federated Mutual Insurance	✅	✅	—	—	✅	✅	Insurance: BCBS \| Covers: IUI, IVF, Adoption, Medications \| $10k adoption, $30k lifetime max Infertility (covered 100% after deductible/out of pocket) PGS and frozen storage not covered
Freddie Mac	✅	✅	—	—	—	✅	All IF tx including IVF (Aetna PPO). All IVF TX covered ($10,000 lifetime max). Unlimited meds covered with $10 or $20 co-pays. (Source: 2004 INCIID employer list — benefits may have changed)
Fresenius Medical Care	✅	✅	—	—	—	✅	Insurance: UHC with ExpressScripts \| Covers: IUI, IVF, Medications \| $50000 lifetime maximum is for infertility services (excluding expenses related to diagnosis and treatment of underlying condition); Infertility Benefits: ART, Ovulation Induction, Artificial Insemination - each limited to 3 courses of treatment per covered persons lifetime (Unfortunately, I have so far not been able to find out what exactly counts as a course); Medications are not included in the UHC lifetime max and are covered by ExpressScripts with reasonable copays.
Gap Inc	✅	✅	—	—	—	✅	Point of Service insurance. $10,000 lifetime limit includes any direct attempts to get pregnant (IUIs and/or IVF). Diagnostic procedures do not fall under the limit. (Source: 2004 INCIID employer list — benefits may have changed)
Genentech	✅	✅	—	—	—	✅	All IF tx including IVF subject to $10,000 limit (Aetna). (Source: 2004 INCIID employer list — benefits may have changed)
General Dynamics	✅	✅	—	—	—	✅	Insurance: Cigna \| Covers: IUI, IVF, Medications \| 3 cycles covered (retrieval, meds, transfers). Must transfer all frozen from one cycle before another cycle is covered.
Georgia Pacific	✅	✅	—	—	—	✅	Insurance: Anthem Blue Cross \| Covers: IUI, IVF, Medications \| 20K Lifetime Max
Graham Holdings Company	✅	✅	—	—	—	✅	Insurance: Aetna \| Covers: TI, IUI, IVF, Medications \| $10k lifetime max for infertility treatment; speciality drugs included in the max.
Graham Holdings Company	✅	✅	—	—	—	✅	Insurance: Aetna \| Covers: TI, IUI, IVF, Medications \| $10k lifetime max for infertility treatment; speciality drugs included in the max.
HCA Healthcare	✅	✅	—	—	—	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Medications \| 1 smart cycle plus a second if no LC
Health Care Service Corporation (BCBS)	✅	✅	—	—	✅	✅	Insurance: BCBSIL \| Covers: TI, IUI, IVF, Adoption, Medications \| On PPO only. No lifetime cap. Meds covered with copay. No pre-authorization for IVF. Genetic testing covered for select few diagnoses (very few). Max of 4 retrievals per year.
Health Care Service Corporation (BCBS)	✅	✅	—	—	✅	✅	Insurance: BCBSIL \| Covers: TI, IUI, IVF, Adoption, Medications \| On PPO only. No lifetime cap. Meds covered with copay. No pre-authorization for IVF. Genetic testing covered for select few diagnoses (very few). Max of 4 retrievals per year.
Health Research Incorporated	✅	✅	—	—	—	✅	Insurance: Capital District Physicians Health Plan (New York State HMO) \| Covers: TI, IUI, IVF, Medications \| Fully covers three rounds of IVF (any cycle with a retrieval OR a transfer is counted). Covers six rounds of injectable medications for any combination of treatments. Meds for one round of IVF cost $155 in copays, the IVF process itself (monitoring, bloodwork, procedures, etc) was fully covered without copay/coinsurance. Covers IUI with $20 copays per visit for monitoring appointments and the procedure itself. Sperm freezing and thawing is covered if your male partner is on this plan as well, but not if only the female partner is covered.
Huntington Ingalls Industries Newport News Shipbuilding	✅	✅	—	—	—	✅	Insurance: Blue Cross/Blue Shield \| Covers: IUI, IVF, Medications
Huntington Ingalls Industries Newport News Shipbuilding	✅	✅	—	—	—	✅	Insurance: Blue Cross/Blue Shield \| Covers: IUI, IVF, Medications
IKEA	✅	✅	—	—	✅	✅	Insurance: Cigna \| Covers: TI, IUI, IVF, Adoption, Medications \| $15,000 lifetime max for infertility
IKEA	✅	✅	—	—	✅	✅	Insurance: Cigna \| Covers: TI, IUI, IVF, Adoption, Medications \| $15,000 lifetime max for infertility
Illumina	✅	✅	—	—	✅	✅	Insurance: Progyny \| Covers: IUI, IVF, Adoption, Medications \| 2 smart cycles, if unsuccessful then 3rd smart cycle activated
Illumina	✅	✅	—	—	✅	✅	Insurance: Progyny \| Covers: IUI, IVF, Adoption, Medications \| 2 smart cycles, if unsuccessful then 3rd smart cycle activated

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