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What Your Health Insurance May Cover for IVF and Surrogacy

Prior to your appointment to see us at IndianEggDonors, in person or on Zoom, please email us a copy of your health insurance card to

Our insurance specialist will contact your insurance company so we can help determine how to maximize your coverage benefits to pay for infertility treatments.

Understanding insurance coverage for IVF (In Vitro Fertilization) and surrogacy can vary depending on your specific insurance plan and location. Here is a general overview of what health insurance may cover for these procedures:

1 IVF Coverage

Coverage for IVF varies among insurance plans, and not all plans provide coverage for fertility treatments. However, some insurance plans may offer partial or full coverage for IVF procedures. Here are some aspects to consider:

  • Diagnostic Testing: Most insurance plans cover diagnostic tests to identify the cause of infertility, such as blood tests, ultrasound, and semen analysis.
  • Medications: Some insurance plans may cover fertility medications used during IVF treatment.
  • Procedures: Coverage for IVF procedures themselves, including egg retrieval, fertilization, and embryo transfer, may vary. Some plans provide partial or full coverage, while others may not cover these procedures at all.
  • Limits and Restrictions: Insurance plans may have specific criteria or limitations for coverage, such as age restrictions, limitations on the number of cycles, or requirements for documented infertility.

It is crucial to review your insurance policy or contact your insurance provider directly to understand the specific coverage and limitations for IVF under your plan.

2 Surrogacy Coverage

Coverage for surrogacy is less common and is often not included in standard health insurance plans. However, some insurance plans may provide coverage for certain aspects related to surrogacy:

  • Diagnostic Testing: Like IVF, diagnostic tests to i:dentify infertility issues may be covered by insurance.
  • Surrogate Medical Expenses: In some cases, insurance plans may cover medical expenses related to the surrogate's prenatal care and delivery.
  • Legal and Agency Fees: Insurance plans typically do not cover legal fees or agency fees associated with the surrogacy process.

3 Additional Considerations

Even if your insurance plan does not provide coverage for IVF or surrogacy, there may be other options to explore:

  • Fertility Benefit Programs: Some employers offer fertility benefit programs that provide coverage for IVF and related treatments. Check with your employer's human resources department to see if such programs are available.
  • State Mandates: Some states have laws mandating insurance coverage for fertility treatments, including IVF. Research whether your state has any mandates in place.
  • Financial Assistance Programs: Various organizations and foundations offer financial assistance or grants to help individuals and couples with the costs of fertility treatments.

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.

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