In partnership with Progyny
Whether you’re just beginning to think about growing your family or are already exploring fertility treatment, one of the first questions you may have is does my health insurance cover fertility care?
The answer isn’t always straightforward. Fertility insurance coverage varies widely from employer to employer and even between different health plans offered by the same company. While more employers are recognizing the importance of fertility and family-building benefits given that fertility financing can be a large burden for patients, many people still aren’t sure where to look—or what to do if they discover they don’t have coverage.
Luckily, there are resources available to help you better understand your options and advocate for the care you need.
How to find out if you have fertility benefits
If you’re unsure whether fertility care is covered under your health plan, start with these steps.
1. Review your benefits information
Many employers provide an annual benefits guide during open enrollment that outlines available healthcare coverage. Look for sections related to:
- Fertility treatment
- Family-building benefits
- IVF
- Egg freezing
- Fertility preservation
- Donor services
- Surrogacy support
- Preconception
- Pregnancy & postpartum
If your employer partners with a fertility benefits administrator, that information may also be listed.
2. Speak with your HR or Benefits team
Your Human Resources or Benefits team can often clarify:
- Whether fertility benefits are available
- Which vendors administer the benefit
- When benefits become effective
- Whether additional family-building resources are available
Asking questions about your benefits doesn’t obligate you to pursue treatment. It simply helps you understand what resources may already be available to you.
What if your employer doesn't offer fertility coverage?
Learning that fertility treatment isn’t covered can feel discouraging—but it doesn’t necessarily mean the conversation ends there.
Over the last several years, fertility and family-building benefits have become one of the fastest-growing employee benefits as organizations recognize their impact on employee well-being, recruitment, and retention.
Progyny reports that 64% of organizations with fertility benefits added them because of an employee’s request.
If your employer doesn’t currently offer coverage, sharing your interest can help raise awareness and start important conversations.
A resource to help you start the conversation
Talking with your employer about fertility benefits may feel intimidating, especially if you’re unsure where to begin.
That’s why resources like Progyny’s Talk to HR were created.
Talk to HR provides educational tools designed to help employees:
- Better understand fertility benefits
- Learn why employers are increasingly offering fertility coverage
- Prepare for conversations with Human Resources or Benefits teams
- Feel more confident advocating for family-building support
Whether you’re actively pursuing treatment or simply planning for the future, having the right information can make these conversations easier.
Fertility care starts with information
Understanding your insurance coverage is one of the first steps in planning your fertility journey.
Even if you don’t currently have fertility benefits, learning about your options—and knowing where to find trusted resources—can help you make informed decisions and advocate for the care that’s important to you.
At CCRM Fertility, we’re committed to helping patients navigate every stage of the fertility journey with education, compassionate care, and trusted resources.
The bottom line
Knowing whether your employer offers fertility benefits can help you better prepare for your family-building journey. If you’re unsure where to start, review your benefits, ask questions, and don’t be afraid to speak with your HR team.
If coverage isn’t currently available, resources like Talk to HR can help you initiate the conversation and advocate for meaningful change.
Explore CCRM’s fertility resources, speak with a member of our team about your treatment options, and visit Progyny’s Talk to HR Page for tools that can help you better understand and advocate for fertility benefits through your employer.
