Does Colorado require IVF coverage?

Coverage Details

Colorado: private insurance context - Covered: All large group plans, excluding self-insured, individual and small group plans, religious employers. Medicaid context - Covered: Basic fertility and reproductive health counseling is provided; Not Covered: Sterilization reversal, infertility treatment, counseling and testing. 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.

Pending or Future Changes

Clinics publishing insurance or employer-benefit information

These Colorado 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.