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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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
Kimberly-Clark	✅	✅	—	✅	✅	✅	Insurance: Anthem BCBSS \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| Fertility total $20K lifetime max: $10K lifetime limit for procedures & $10K lifetime limit for labs. $10K benefits toward surrogacy and adoption.
Kirkland & Ellis LLP	✅	✅	—	✅	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications \| Progyny covers 4 Smart Cycles, which roughly tracks to 4 egg retrievals and 4 transfers, but you can mix and match. Additional procedures, like donor gametes, count against your total Smart Cycles. There is also separate reimbursement from Kirkland for adoption and surrogacy (not through Progyny).
Kirkland and Ellis LLP	✅	—	—	✅	✅	✅	Insurance: Blue cross Blue Shield \| Covers: IVF, Adoption, Surrogacy, Medications, Other \| Progyny
KKR	✅	—	✅	✅	✅	—	IVF: Unlimited (after consultation) \| Yes
Kohls	✅	✅	—	—	—	✅	Insurance: United Healthcare \| Covers: TI, IUI, IVF, Medications \| 15k lifetime benefit for treatments, 10k lifetime benefit for medication. Must enroll in fertility solutions plan to qualify for benefits.
Kraft Foods	✅	✅	—	—	—	—	All IF tx including IVF. (Source: 2004 INCIID employer list — benefits may have changed)
L Brands/Victorias Secret	✅	✅	—	—	✅	✅	Insurance: Anthem BC/BS \| Covers: TI, IUI, IVF, Adoption, Medications \| Lifetime maximum $20,000 and $10,000 for related pharmacy expenses. Depending on coverage level, either 20% coinsurance after deductible OR $40 specialist copay then 100% covered.
Liberty Mutual	✅	—	✅	✅	✅	—	IVF: Up to $45,000 (no infertility dx required) \| Adoption: Yes — up to $40,000 \| Yes — up to $40,000
Lincoln Financial Group	✅	✅	—	—	—	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Medications \| 2 Smart Cycles (as of 2022)
Lincoln Financial Group	✅	✅	—	—	—	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Medications \| 2 Smart Cycles (as of 2022)
Loudoun County Public Schools (LCPS)	—	—	—	—	—	—	LCPS uses Cigna OAP, POS, and HDHP plans via Cigna Healthcare. No specific infertility or IVF benefit found in 2025 Benefits Handbook. Virginia has no state IVF mandate. Contact LCPSHealthWellness@lcps.org or call 571-252-1810 to verify. \| Part-time: Not confirmed
Lowe’s	✅	—	✅	✅	✅	—	IVF: Yes — covered via Progyny \| Yes
Lyft	✅	✅	✅	✅	✅	✅	Insurance: Progyny (w/ Anthem) \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications, Egg and sperm freezing \| - 4 Progyny smart cycles (partners with health insurance so youre only responsible for deductible and co-insurance) - $10k reimbursement for adoption - $10k reimbursement for surrogacy - low OOP max with anthem (Coverage is for corporate employees, not independent contractors/drivers)
Macmillan Learning	✅	✅	—	—	—	✅	Insurance: Anthem BCBS EPO/WinFertility \| Covers: TI, IUI, IVF, Medications, Infertility \| Infertility and all procedures/diagnostics covered, 2 lifetime max IVF cycles (fresh but might have extended to frozen in 2022), PGT testing based on medical necessity, all meds covered with copays
Macys	✅	✅	—	—	✅	✅	Insurance: Aenta, BCBS \| Covers: IUI, IVF, Adoption, Medications \| 25k lifetime max, 10k meds
Marriott	✅	✅	—	—	—	✅	All IF tx including IVF (Kaiser Permanente); Kaiser covers 50% of infertility treatments and medications. IVF and associated medications covered at 50% copay. (Source: 2004 INCIID employer list — benefits may have changed)
Marriott International	✅	✅	—	✅	✅	✅	Insurance: Progyny or Carrot \| Covers: IUI, IVF, Adoption, Surrogacy, Medications \| Ill submit another form when I have more details, Im currently in the midst of the hiring process and while they have fertility benefits listed, specific amounts havent been disclosed yet.
Marsh McLennan	—	—	—	—	—	—	Insurance: Aetna
MassMutual	✅	—	✅	✅	✅	✅	IVF: Full IVF + medication coverage \| Yes — 8 wks paid
MasterCard International	✅	✅	—	—	—	✅	All IF tx including IVF (United Healthcare); Choice Plus plan offers 100% coverage for IVF and associated meds when using in-network doctors. (Source: 2004 INCIID employer list — benefits may have changed)

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