Where to learn what your plan, your state or your employer may cover.
Interactive map and state summaries of infertility and fertility preservation insurance laws, plus questions on whether state law applies to your plan.
Laws change and self-funded plans may be exempt; confirm with your insurer or HR.
KFF State Health Facts data page on whether states require private insurance and Medicaid to cover infertility services.
State laws change and have exceptions; confirm with your insurer or state regulator.
TRICARE's page on assisted reproductive services, explaining what standard plans do not cover and the military hospital and supplemental program pathways.
Rules change; confirm with TRICARE or your military treatment facility.
VA Women Veterans Health Care page on fertility evaluation, treatment and family-building services, including assisted reproduction and adoption support for Veterans.
Eligibility varies; confirm with VA or the Women Veterans Call Center.
OPM document listing which Federal Employees Health Benefits plans cover IVF for plan year 2025, with links to each plan's website.
Plan year 2025 list; check the current year's plan brochure for coverage.
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