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 If you find inaccurate or outdated information, please email us at inciidinfo@inciid.org and we will update the database.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
Truist	—	✅	—	—	✅	✅	Insurance: Blue Cross Blue Shield \| Covers: IUI, Adoption, Medications \| Employees may submit an adoption fee reimbursement request for up to $2,500 per child. Insurance covers 3 cycles of IUI/ICI. The insurance plan document says Some Prescription drugs related to treatment of infertility and sexual dysfunction are also covered- but I do not know to what extent.
Uline	✅	✅	—	—	—	✅	Insurance: Cigna \| Covers: IUI, IVF, Medications
United Healthcare -Navihealth	✅	✅	—	—	—	✅	Insurance: UHC \| Covers: IUI, IVF, Medications \| 25k total: 15 k for treatment and 10 k for meds
United Parcel Service	✅	✅	—	—	—	✅	All IF tx including IVF (Aetna US Healthcare). Covers 1 attempt per lifetime. All meds covered 100% through authorized mail order pharmacy. (Source: 2004 INCIID employer list — benefits may have changed)
UnitedHealthcare	✅	✅	—	—	✅	✅	Insurance: UHC \| Covers: TI, IUI, IVF, Adoption, Medications \| $15k medical lifetime max; $10k pharmacy lifetime max
University of Maryland	✅	✅	—	—	—	✅	Insurance: BCBS/UHC/Kaiser \| Covers: TI, IUI, IVF, Medications \| 100% coverage for TI, IUI, 3 IVF attempts per live birth for each plan. Medication co-pays range from $10 to $40. (Average was about $150/IVF cycle).
University of Michigan	✅	✅	—	✅	✅	✅	Insurance: Blue cross \| Covers: TI, IUI, IVF, Adoption, Surrogacy, Medications
University of Minnesota	✅	✅	—	—	—	✅	Insurance: Medica \| Covers: IUI, IVF, Medications \| $5000 yearly benefit plus medications covered 80%
University of Pittsburgh Faculty and Staff	✅	✅	—	—	✅	✅	Insurance: UPMC Health Plan \| Covers: TI, IUI, IVF, Adoption, Medications \| Testing and diagnostic procedures covered. IVF $250 member copay per benefit period for services and procedures related to assisted fertilization; $10k medical lifetime max; $10k drug lifetime max (amount applied to lifetime max will be 80% of prescription drug cost only)
UPMC	✅	✅	—	—	✅	✅	Insurance: UPMC Health Plan \| Covers: TI, IUI, IVF, Adoption, Medications \| Same as University of Pittsburgh. Diagnostics and tests/procedures covered. IVF: $10k max medical; $10k max drugs (80% cost of med goes to this lifetime max)
US Bank	✅	✅	—	✅	✅	✅	Insurance: UnitedHealthcare \| Covers: IUI, IVF, Adoption, Surrogacy, Medications \| $25,000 for medical and surgical expenses $10,000 for fertility prescriptions $10,000 surrogacy reimbursement $10,000 adoption reimbursement
Verizon	✅	✅	—	—	—	✅	Infertility coverage (East Coast). $10,000 annual with a $20,000 lifetime cap including any IF related procedures and meds. (Source: 2004 INCIID employer list — benefits may have changed)
VF Corp/Timberland	✅	✅	—	—	✅	✅	Insurance: Progyny \| Covers: TI, IUI, IVF, Adoption, Medications \| 2 lifetime smart cycles with Progyny, small funds available for adoption assistance (less than $5k)
Wake Forest University	✅	✅	—	—	—	✅	Insurance: BCBS \| Covers: IUI, IVF, Medications \| Up to 10,000 lifetime limit in infertility treatment, must use WFBMC/Atrium provider. $5,000 lifetime limit on fertility medications.
Wake Forest University	✅	✅	—	—	—	✅	Insurance: BCBS \| Covers: IUI, IVF, Medications \| Up to 10,000 lifetime limit in infertility treatment, must use WFBMC/Atrium provider. $5,000 lifetime limit on fertility medications.
Walgreens	✅	✅	—	—	—	✅	All IF tx including IVF covering all states through Blue Cross/Blue Shield of Illinois. Maximum benefit varies by years of service. 4 lifetime IVF attempts. (Source: 2004 INCIID employer list — benefits may have changed)
Washington University in St. Louis (WUSTL)	—	✅	—	—	✅	✅	Insurance: United Healthcare \| Covers: TI, IUI, Adoption, Medications \| My UHC plan through WUSTL covers everything through IVF (TI, IUI...) pays for cycle, medication, embryo storage, testing, transfers, etc. Does NOT pay for these things with a surrogate.
Washington University in St. Louis (WUSTL)	—	✅	—	—	✅	✅	Insurance: United Healthcare \| Covers: TI, IUI, Adoption, Medications \| My UHC plan through WUSTL covers everything through IVF (TI, IUI...) pays for cycle, medication, embryo storage, testing, transfers, etc. Does NOT pay for these things with a surrogate.
Wellstar Health System	✅	✅	—	—	✅	✅	Insurance: Aetna \| Covers: IUI, IVF, Adoption, Medications \| 10k for meds and treatment combined per calendar year (IVF or IUI), IUIs required before IVF unless unlikely to be successful with IUI and you can bypass that requirement and move to IVF, 10k for adoption
Wellstar Health System	✅	✅	—	—	✅	✅	Insurance: Aetna \| Covers: IUI, IVF, Adoption, Medications \| 10k for meds and treatment combined per calendar year (IVF or IUI), IUIs required before IVF unless unlikely to be successful with IUI and you can bypass that requirement and move to IVF, 10k for adoption

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