Pennsylvania Fertility Insurance Coverage
No state mandateOverview of state insurance mandates and fertility coverage requirements for Pennsylvania. Applies to fully-insured health plans regulated by the state.
Coverage Summary
| Benefit | Required by State |
|---|---|
| Mandate to offer fertility coverage | No |
| Diagnosis coverage | No |
| Treatment coverage | No |
| IVF included | No |
| Fertility preservation included | No |
Coverage Details
Pennsylvania has no broad state mandate requiring private plans to cover infertility treatment, IUI, or IVF, and KFF lists both private infertility treatment and Medicaid IVF as not covered by a Pennsylvania fertility mandate. Patients may still have voluntary employer fertility benefits, a negotiated rider, or coverage for evaluation of an underlying medical condition, but that is plan design rather than a statewide mandate-to-cover or mandate-to-offer rule. Proposed legislation has been discussed, but current launch copy should treat IVF coverage as plan-specific and subject to ERISA self-funded-plan limits.
Self-Funded Employer Plans (ERISA)
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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