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Health Insurance Coverage Provided by Employers for IVF, Egg Donation and Surrogacy.

Below is a summary of coverage provided by some:

1 Major Employer

Employer Coverage Provided
Apple Up to $25,000 for IVF, egg donation, and surrogacy
Amazon Up to $20,000 for IVF, egg donation, and surrogacy
Facebook Up to $25,000 for IVF, egg donation, and surrogacy
Google Up to $25,000 for IVF, egg donation, and surrogacy
Microsoft Up to $25,000 for IVF, egg donation, and surrogacy
Pfizer Up to $25,000 for IVF, egg donation, and surrogacy
Walmart Up to $15,000 for IVF, egg donation, and surrogacy
United Healthcare Up to $25,000 for IVF, egg donation, and surrogacy
Aetna Up to $25,000 for IVF, egg donation, and surrogacy
Cigna Up to $25,000 for IVF, egg donation, and surrogacy

It is important to note that these are just a few examples, and the coverage offered by different employers may vary. It is always best to check with your employer to see what type of coverage they offer for IVF, egg donation, and surrogacy.

In addition to these major employers, there are also many smaller companies that offer coverage for these procedures. If you are not sure if your employer offers coverage, you can contact your human resources department to inquire.

Here are some additional details about the coverage offered by some of these employers:

Apple

Apple offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Amazon

Amazon offers coverage for up to $20,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Facebook

Facebook offers coverage for up to $20,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Google

Google offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Microsoft

Microsoft offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Pfizer

Pfizer offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Walmart

Walmart offers coverage for up to $20,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

United Healthcare

United Healthcare offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Aetna

Aetna offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

Cigna

Cigna offers coverage for up to $25,000 for IVF, egg donation, and surrogacy. This coverage is available to all full-time employees who have been with the company for at least one year.

2 Federal Government

  • Department of Veterans Affairs: Offers coverage for up to $10,000 for IVF, egg donation, and surrogacy.
  • Department of Defense: Offers coverage for up to $10,000 for IVF, egg donation, and surrogacy.
  • Office of Personnel Management: Offers coverage for up to $25,000 for IVF, egg donation, and surrogacy.

3 State Governments

  • California: Mandates coverage for up to two IVF cycles per patient.
  • Connecticut: Mandates coverage for up to one IVF cycle per patient.
  • Illinois: Mandates coverage for up to two IVF cycles per patient.
  • Maryland: Mandates coverage for up to one IVF cycle per patient.
  • Massachusetts: Mandates coverage for up to two IVF cycles per patient.
  • New Jersey: Mandates coverage for up to one IVF cycle per patient.
  • New York: Mandates coverage for up to two IVF cycles per patient.
  • Rhode Island: Mandates coverage for up to one IVF cycle per patient.

It is crucial to discuss your specific situation with your insurance provider and consider consulting with a fertility specialist and a reproductive law attorney who can provide guidance on insurance coverage and financial options tailored to your needs.

4 City Governments

  • New York City: Mandates coverage for up to two IVF cycles per patient.
  • San Francisco: Mandates coverage for up to one IVF cycle per patient.

It is important to note that these are just a few examples, and the coverage offered by different governments may vary. It is always best to check with your government to see what type of coverage they offer for IVF, egg donation, and surrogacy.

In addition to these major employers and governments, there are also many smaller companies and governments that offer coverage for these procedures. If you are not sure if your employer or government offers coverage, you can contact your human resources department or local government to inquire.

 

What is the cost of a backup insurance policy?

A backup insurance policy, in case of insurance is denied during the surrogacy, would cost approximately $25,000 to cover the entirety of the pregnancy. While it is reassuring to note that our clients have not yet required the activation of such a policy, it is crucial to acknowledge that the insurance landscape is continually evolving, and absolute certainties cannot be guaranteed.

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