Maine Fertility Insurance Coverage

IVF coverage required

Overview of state insurance mandates and fertility coverage requirements for Maine. 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

Maine mandates infertility coverage, including IVF, for fully insured plans. 24-A M.R.S. §4320-U (the statute was reallocated from §4320-S) requires coverage of infertility diagnosis and treatment, and Bureau of Insurance Rule 865 §5(8) explicitly mandates IVF coverage, including donor-egg and gestational-carrier IVF. Rule 865 limits coverage to 2 lifetime ART cycles or 4 completed oocyte retrievals and permits step-therapy. Medicaid context - Not Covered. 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

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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1 clinic listed in Maine.

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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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