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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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 298 companies

Company	IVF	IUI	Egg Freezing	Surrogacy	Adoption	Medications	Notes
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)
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.
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)
Mattel	✅	✅	✅	✅	✅	✅	Insurance: Mattel Infertility Treatment Reimbursement \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications, ICSI, GIFT, ZIFT, PROST, TET, cryopreservarion of sperm/eggs, genetic testing \| Infertility: Reimbursement for 80% of expenses not covered by medical insurance up to $15,000 Adoption: Reimbursement of 100% of expenses up to $10000 per single adoption or $12000 for concurrent adoption (i.e., siblings) with a $20,000 lifetime benefit
Mayo Clinic	✅	✅	—	—	✅	✅	All IF tx including IVF (Mayo Comprehensive); infertility treatment covered at 50%. $5,000 reimbursement for adoption expenses. (Source: 2004 INCIID employer list — benefits may have changed)
McKesson	✅	✅	—	—	—	—	Insurance: Aetna \| Covers: IUI, IVF \| $10k lifetime infertility treatment coverage, no diagnostic testing or medications
Merrill Lynch	✅	✅	—	—	—	✅	All IF tx including IVF; 3 IVF attempts per lifetime. (Source: 2004 INCIID employer list — benefits may have changed)
Meta (Facebook)	✅	—	✅	✅	✅	—	IVF: $100,000 for 4 IVF cycles + PGT screening \| Adoption: Yes — up to $50,000 \| Yes — up to $20,000
Methodist Hospital System (Nebraska)	✅	✅	—	—	—	—	Insurance: UMR \| Covers: TI, IUI, IVF \| $10,000 lifetime max, must use Methodist REs
MetLife	✅	✅	—	—	—	✅	All IF tx including IVF (three attempts plus three alternative attempts); 80/20 coverage through United HealthCare. (Source: 2004 INCIID employer list — benefits may have changed)
Microsoft	✅	—	✅	✅	✅	—	IVF: Yes — covered \| Yes

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