Virginia Fertility Insurance Coverage

No state mandate

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

Virginia: private insurance context - Not Covered. 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.

Pending or Future Changes

Virginia HB 328 was enacted (Ch. 1048, signed May 13, 2026), directing selection of a 2028 essential health benefits benchmark plan to include infertility diagnosis and treatment (up to three completed ART cycles) and iatrogenic-infertility fertility preservation, pending CMS approval through the benchmark process. The flags stay false today because no coverage is in force until the 2028 benchmark takes effect.

Source & Dates

Source:: State Government
Data as of:: 2026-06-10
Next review:: 2026-06-30

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.

Browse Fertility Clinics in Virginia

21 clinics listed in Virginia.

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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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