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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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
Eli Lilly	✅	✅	—	—	✅	✅	Insurance: Anthem \| Covers: TI, IUI, IVF, Adoption, Medications \| Lifetime max 20k, adoption support 5k (I think)
EMD Serono	✅	✅	—	✅	✅	✅	Insurance: BCBS of MA \| Covers: IUI, IVF, Adoption, Surrogacy, Medications \| Unlimited cycles covered under insurance. Free medications from EMD Serono.
Emory University	✅	✅	—	—	—	✅	Insurance: Aetna \| Covers: TI, IUI, IVF, Medications \| 25K Lifetime benefit
Epsilon (Publicis Groupe)	✅	✅	—	✅	✅	✅	Insurance: BCBS IL \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| $15k lifetime max for fertility treatments. Medication is covered. $10k for adoption expenses.
Ernst & Young (EY)	✅	—	✅	✅	✅	—	IVF: Up to $25,000 per couple \| Adoption: Yes — up to $25,000 \| Yes — up to $25,000
Ernst and Young (EY)	✅	✅	—	✅	✅	✅	Insurance: BCBS \| Covers: IUI, IVF, Adoption, Surrogacy, Medications \| Up to $25K for procedures and up to $10K for meds. Pre authorization is required and random things arent covered (for example IUI is covered with Clomid but whole thing is disallowed if you use gonatropins). Also very few labs or surgery centers are covered during IVF so we already have gone out of pocket approx $10K. Overall Im disappointed in this benefit and have found it to be misrepresented by the Company.
Essence Global	✅	✅	—	—	—	—	Insurance: Aetna \| Covers: IUI, IVF \| 3 rounds of Ivf covered
Estée Lauder	✅	—	✅	✅	✅	—	IVF: Yes — within $150,000 lifetime benefit \| Adoption: Yes — up to $150,000 \| Yes
Exelixis Inc.	✅	✅	—	✅	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| 2 Progyny smart cycles. Separately, $50k surrogacy reimbursement per attempt, $50k adoption reimbursement per child with no lifetime limit. Progyny and surrogacy begin 1/2022, adoption effective 8/2021.
ExxonMobil	✅	✅	—	—	—	✅	Insurance: Progyny \| Covers: IUI, IVF, Medications \| 4 smart cycles
Fairfax County Government	✅	✅	—	—	—	✅	Insurance: Cigna or Kaiser \| Covers: TI, IUI, IVF, Medications \| Unlimited coverage: no cap for dollar amount or cycle numbers. Must have a diagnosis of infertility for IVF. Does not cover donor gametes. Coverage includes fertility medications.
Fairfax County Public Schools	✅	—	✅	—	—	✅	IVF: Up to $50,000 medical + $50,000 Rx lifetime (Cigna plan via WINFertility) \| Via WINFertility (WIN) since 2024. $50,000 lifetime for eligible medical fertility expenses + separate $50,000 lifetime max for fertility medications. 24/7 Nurse Care Advocate support via WINFertility app. Must be enrolled in Cigna plan. Pharmacy managed by CVS/Caremark. \| Part-time: Full-time employees (Cigna plan enrollees)
FanDuel	✅	✅	—	✅	✅	—	Insurance: Anthem, Kaiser Permanente \| Covers: IUI, IVF, Adoption, Surrogacy, Other \| Coverage is through Kindbody. 2 Kindcycles and 10K lifetime per person for adoption, surrogacy, or donors
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.

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