District of Columbia Fertility Insurance Coverage

IVF coverage required

Overview of state insurance mandates and fertility coverage requirements for District of Columbia. 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

The District of Columbia has a private-market IVF mandate. DC Law 25-49 (D.C. Code § 31-3834.06) requires individual and group insurers to cover IVF, including at least three completed oocyte retrievals with unlimited embryo transfers, in effect since January 1, 2025, excluding self-insured employers. Medicaid and the DC Healthcare Alliance have covered infertility diagnosis and ovulation-enhancing drugs since January 1, 2024, with an essential-health-benefits expansion in 2026. 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:: State Government
Data as of:: 2026-06-10
Next review:: 2026-08-09
Effective date:: 2025-01-01

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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3 clinics listed in District of Columbia.

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Pricing and insurance details are compiled from public sources and change frequently — confirm directly with the clinic. Full disclaimer

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