Does Georgia require IVF coverage?

Coverage Details

Georgia does not have a broad infertility diagnosis, treatment, or IVF mandate-to-cover, but it enacted a narrower fertility-preservation requirement. HB 94 added O.C.G.A. § 33-24-59.34, effective for health benefit policies renewed or issued after January 1, 2026, requiring coverage of standard fertility preservation services when medically necessary treatment for cancer, sickle cell disease, or lupus may cause iatrogenic infertility. Any evaluation expense exists only inside that preservation pathway, so this is not a general diagnosis mandate; Medicaid infertility procedures remain limited, and self-funded ERISA employer plans are generally excluded from state insurance mandates.

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 Georgia 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.