Connecticut Fertility Insurance Coverage

Partial coverage required

Overview of state insurance mandates and fertility coverage requirements for Connecticut. Applies to fully-insured health plans regulated by the state.

Coverage Summary

Benefit	Required by State
Mandate to offer fertility coverage	No
Diagnosis coverage	Yes
Treatment coverage	Yes
IVF included	Yes
Fertility preservation included	Yes

Coverage Details

Connecticut: private insurance context - Covered: Health insurance organizations, excluding persons on plan <12 months, self-insured and religious employers. Medicaid context - Covered: Lab tests to detect the presence of conditions affecting reproductive health; Not Covered: Infertility treatment, sterilization reversal, IVF, IUI, cryopreservation, fertility drugs. State mandates vary by market and plan type and generally do not control self-funded employer plans.

Self-Funded Employer Plans (ERISA)

Self-funded employer health plans are generally governed by ERISA and may be exempt from state insurance mandates; verify benefits with the clinic and insurer.

Source & Dates

Source:: KFF State Health Facts
Data as of:: 2025-11-30
Next review:: 2026-08-09

Disclaimer

This is not legal or insurance advice. Verify coverage directly with your insurer and HR benefits team. Self-funded employer plans (ERISA) are generally exempt from state mandates. Information reflects the reviewed source as of the date noted above and may not reflect recent legislative or regulatory changes.

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8 clinics listed in Connecticut.

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