Does Connecticut require IVF coverage?

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.

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 Connecticut 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.