Does Arkansas require IVF coverage?

Coverage Details

Arkansas: private insurance context - Covered: All individual and group insurers, excluding HMOs & self-insured employers. The existing IVF mandate keeps its $15,000 lifetime cap and own-gamete/marriage limits. Act 859 (the RESTORE Act, effective August 5, 2025) adds a mandatory "restorative reproductive medicine" coverage layer alongside that IVF mandate. Medicaid context - Not Covered. State mandates vary by market and plan type and generally do not control self-funded employer plans.

Coverage Summary

How to Verify Your Coverage

1. Ask your employer or plan administrator whether the plan is fully insured or self-funded.
2. Request the plan document for infertility diagnosis, treatment, fertility preservation, medication, and laboratory benefits.
3. Confirm prior authorization, network, age, diagnosis, cycle, and lifetime-limit requirements with the insurer.
4. Ask the clinic billing team to verify both the clinic and laboratory providers for the services you expect to use.

Clinics publishing insurance or employer-benefit information

These Arkansas clinic profiles name at least one insurer or employer fertility-benefit program in a reviewed source. Inclusion does not guarantee that your plan, treatment, physician, or laboratory is covered.