Individual and group health insurance policies are required to cover medically necessary expenses for infertility diagnosis and treatment. Infertility is defined as the inability to conceive or sustain a successful pregnancy during a one-year period.

Covered treatments include ovulation induction, interuterine insemination, IVF, uterine embryo lavage, embryo transfer, GIFT, ZIFT, and low tubal embryo transfer. Coverage is limited to individuals who have maintained coverage under the policy for at least a year.

Some additional limitations apply:

  • The covered individual must be under 40 years of age;
  • There is a life-time coverage maximum of four cycles of ovulation induction, three cycles of IUI, and two cycles of IVF, GIFT, ZIFT, or low tubal embryo transfer (with not more than two embryo transfers per cycle);
  • Covered treatments must be performed at facilities that conform to standards and guidelines developed by ASRM or SREI. 

Individuals seeking coverage must disclose to their insurance carrier any prior infertility treatments for which they received coverage under a different insurance policy. Religious employers are permitted to exclude coverage for treatments that are contrary to their bona fide religious tenets. (Public Act No.05-196)

Fertility Preservation is covered when medically necessary.  That is, ”…harvesting of eggs and sperm is a covered benefit in cases where patients will undergo treatment that has the potential to render them infertile.” (State of Connecticut Insurance Department Bulletin HC-125, March 19, 2019)
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