Antega United States

Fertility treatment, insurance and law by state

IVF medicine is broadly consistent across the United States. What differs is who pays, who is eligible and how family building is recognised in law. Choose your state to see what applies where you live.

What is national, and what is not

Broadly the same nationwide

What IVF is, ovarian stimulation, trigger medication, egg retrieval, fertilisation and ICSI, embryo culture and transfer, OHSS, the basics of PGT, FDA requirements for donor tissue, CDC and SART reporting, and ASRM clinical guidance.

Depends on your state and your plan

Insurance mandates and their eligibility rules, self-funded plans regulated under federal ERISA rules, Medicaid and public employee plans, fertility preservation cover, surrogacy, parentage, donor conception, embryo-related legal questions and protections for patients and providers.

State coverage and law checker

Search for your state. Nothing is detected automatically — you choose.

  • Alabama
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Alaska
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Arizona
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Arkansas
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • California
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Colorado
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Connecticut
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Delaware
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • District of Columbia
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Florida
    Fertility-preservation requirement onlyIVF: No requirement identified
  • Georgia
    Fertility-preservation requirement onlyIVF: No requirement identified
  • Hawaii
    Limited or conditional IVF/ART benefitIVF: Limited or conditional requirement
  • Idaho
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Illinois
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Indiana
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Iowa
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Kansas
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Kentucky
    Fertility-preservation requirement onlyIVF: No requirement identified
  • Louisiana
    No statewide private-insurance mandate identifiedIVF: Not established in the sources reviewed
  • Maine
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Maryland
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Massachusetts
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • Michigan
    Limited infertility benefit required; IVF is not includedIVF: No requirement identified
  • Minnesota
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Mississippi
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Missouri
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Montana
    Fertility-preservation requirement onlyIVF: No requirement identified
  • Nebraska
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Nevada
    Fertility-preservation requirement onlyIVF: No requirement identified
  • New Hampshire
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • New Jersey
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • New Mexico
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • New York
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • North Carolina
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • North Dakota
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Ohio
    Limited infertility benefit required; IVF is not includedIVF: No requirement identified
  • Oklahoma
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Oregon
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Pennsylvania
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Rhode Island
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • South Carolina
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • South Dakota
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Tennessee
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Texas
    Insurers must offer cover; employers need not buy itIVF: Must be offered, not required
  • Utah
    State or public-employee plan benefit onlyIVF: No requirement identified
  • Vermont
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Virginia
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Washington
    Broad infertility or IVF requirement in forceIVF: Required in regulated plans
  • West Virginia
    Limited infertility benefit required; IVF is not includedIVF: No requirement identified
  • Wisconsin
    No statewide private-insurance mandate identifiedIVF: No requirement identified
  • Wyoming
    No statewide private-insurance mandate identifiedIVF: No requirement identified

State requirements do not necessarily apply to every health plan. Self-funded employer plans, federal plans and certain exempt employers may follow different rules. Check your plan documents or insurer for your individual coverage.

Compare two states

Wording is deliberate rather than a simple yes or no, because much of this law is conditional.

California

Overall position
Broad infertility or IVF requirement in force
IVF
Required to be covered
IUI
Not established in the sources reviewed
Fertility preservation
Required to be covered
Fertility medicines
Not established in the sources reviewed
Diagnosis and testing
Required to be covered
Medicaid
Covered in specified circumstances — A Medi-Cal infertility-treatment requirement was not identified in the sources reviewed.
Public-employee plans
Not established in the sources reviewed
Major exclusions
Large-group fully insured plans (more than 100 employees) are the plans covered · Clinical criteria follow ASRM guidance · Small-group and individual plans are outside SB 729 · CalPERS state-employee plans come in from 1 July 2027
Future enacted changes
None identified.
Read the California summary

Texas

Overall position
Insurers must offer cover; employers need not buy it
IVF
Must be offered, not required
IUI
Not established in the sources reviewed
Fertility preservation
Not mandated statewide
Fertility medicines
Not established in the sources reviewed
Diagnosis and testing
Must be offered, not required
Medicaid
Not established in the sources reviewed
Public-employee plans
Not established in the sources reviewed
Major exclusions
The statute is an offer requirement, not a coverage requirement · Statutory eligibility conditions have historically been restrictive, including requirements relating to the patient's spouse's gametes and to a history of infertility · Ask your employer directly whether the IVF offer was accepted
Future enacted changes
None identified.
Read the Texas summary

State requirements do not necessarily apply to every health plan. Self-funded employer plans, federal plans and certain exempt employers may follow different rules. Check your plan documents or insurer for your individual coverage.

This is general information about state rules, not legal or insurance advice, and it is not a guarantee of cover. Laws, mandates and plan rules change. Always confirm your own position with your insurer or plan administrator in writing, and take advice from a licensed attorney in your state before making legal arrangements.

Legal information for the United States

Antega is operated by ANTEGA LTD, a company registered in England and Wales. Antega has no separate legal entity in the United States. Our terms of service, privacy policy and refund terms are written under the law of England and Wales, and are the terms that apply to anyone using this site.

Local consumer-rights information for the United States is published alongside those terms. Mandatory consumer protections in your own country are not affected by our terms.

Health, funding and clinic information on Antega is educational only. It is not medical, legal or financial advice, and it does not replace guidance from a qualified professional in the United States.

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