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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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
Mitre	✅	—	—	—	—	—	Insurance: Progyny \| Covers: IVF \| 2 Cycles via Progyny
Mitre	✅	—	—	—	—	—	Insurance: Progyny \| Covers: IVF \| 2 Cycles via Progyny
Moda Health	✅	✅	—	—	✅	✅	Insurance: Moda \| Covers: TI, IUI, IVF, Adoption, Medications \| $5k lifetime pharmacy max, no cost share. Separate $10k lifetime medical max, 20% cost share.
Monsanto	✅	✅	—	—	✅	✅	All IF tx including IVF (United Health Care); 2 IUI OR 2 IVF per person per lifetime; adoption assistance offered. (Source: 2004 INCIID employer list — benefits may have changed)
Morgan Stanley	✅	—	✅	✅	✅	—	IVF: Up to $75,000 lifetime \| Adoption: Yes — up to $75,000 \| Yes
Mortenson	✅	✅	—	✅	✅	✅	Insurance: UHC-Progyny \| Covers: IUI, IVF, Adoption, Surrogacy, Medications \| 2 smart cycles - can be used for IUI/IVF covers medication as well.
National Audubon Society	✅	✅	—	—	—	✅	Insurance: Cigna \| Covers: IUI, IVF, Medications \| No limits or maximums, available to full time and part time employees, union contract in place to ensure no loss of benefits in future
National Grid	✅	✅	—	—	—	—	Insurance: BCBS \| Covers: TI, IUI, IVF \| 6 IVF cycles covered
National Marrow Donor Program	✅	—	—	—	—	—	Insurance: BCBS of Minnesota \| Covers: IVF \| 10000 lifetime maximum.
Nationwide Insurance	✅	✅	—	—	✅	✅	Insurance: United \| Covers: IUI, IVF, Adoption, Medications
Nationwide Insurance	✅	✅	—	—	✅	✅	Insurance: United \| Covers: IUI, IVF, Adoption, Medications
NBCUniversal	✅	✅	—	—	—	✅	Insurance: Independence Blue Cross \| Covers: IUI, IVF, Medications \| 2 full cycles covered at 75% after deductible until you meet OOP max, then 100%. Must select a doctor via Optum. Meds covered with $10-100 copay via CVS Specialty Pharmacy. Separate OOP max for meds. Just transfer 1 embryo at a time. IUI covered only for women under 35 only. PGT-A testing not covered, but the biopsy is. Coverage until age 44 with own eggs, after 44 only with donor eggs. Best to select Pay Now plan for lowest deductible and OOP max.
NCR Corporation	✅	✅	—	—	—	✅	All IF tx including IVF (Cigna); three IVF tries maximum. (Source: 2004 INCIID employer list — benefits may have changed)
Netflix	✅	—	✅	✅	✅	—	IVF: Yes — covered \| Adoption: Yes — up to $90,000 \| Yes
New York Life	✅	✅	—	—	—	—	All IF tx including IVF. (Source: 2004 INCIID employer list — benefits may have changed)
New York Public Radio	✅	✅	—	—	—	✅	Insurance: Cigna \| Covers: TI, IUI, IVF, Medications \| 100% coverage ( including medication) with very minimal company for visits. No limit on fertility costs or cycles. As of 2020.
News Corp	✅	—	✅	✅	✅	—	IVF: 3 Smart Cycles per lifetime \| Yes
NFL Films	✅	✅	—	—	—	✅	Insurance: Cigna \| Covers: IUI, IVF, Medications \| $25k lifetime max; medication no limit - only medication administered by physician counts towards the $25k. Not sure if this is for all NFL companies; this is for NFL films in South Jersey
Norfolk Southern	✅	✅	—	—	—	✅	Insurance: Varies, Infertility coverage through Progeny \| Covers: IUI, IVF, Medications \| 2 smart cycles
Northwestern Mutual	✅	—	✅	✅	✅	—	IVF: 3 KindCycles per member per lifetime \| Adoption: Yes — up to $10,000/child \| Yes — up to $10,000/child \| Part-time: Yes — reduced for part-time

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