Fertility Insurance Coverage in Illinois

Understanding Fertility Insurance Coverage in Illinois

At CCRM Fertility of Chicago and Naperville, we believe that access to fertility preservation services should be as straightforward and stress-free as possible. Understanding your insurance coverage is a crucial step in planning your fertility journey. Illinois law provides significant protections and coverage for infertility treatments, ensuring individuals have access to standard fertility preservation services, including egg freezing and embryo freezing. We also partner with Future Family to offer financing options and offer multi-cycle packages to help make treatment more affordable.

FULLY IN-NETWORK INSURANCE PLANS FOR ILLINOIS

Blue Cross Blue Shield of IL
Cigna
United Healthcare

**Carrot, Optum, Stork Club, Progyny, and WINFertility benefits vary based on your employer. Please reach out to your care navigator with these companies prior to scheduling with CCRM Fertility.

Who Qualifies for Infertility Coverage?

In Illinois, infertility is defined as:

The inability to achieve or maintain a pregnancy after 12 months of unprotected intercourse (if under age 35) or 6 months (if over 35).
The inability to conceive without medical intervention, including for individuals without a partner.
A physician’s diagnosis based on medical history, age, and reproductive health.
Infertility caused by medical treatments such as chemotherapy, radiation, or surgery (iatrogenic infertility).

What Does Illinois Insurance Cover for Fertility Treatment?

Illinois law requires group insurers and HMOs that offer pregnancy-related coverage to also cover a broad range of infertility treatments, including:
✔ Diagnosis of infertility
✔ In vitro fertilization (IVF)
✔ Embryo transfer & uterine embryo lavage
✔ Artificial insemination
✔ Gamete Intrafallopian Transfer (GIFT) & Zygote Intrafallopian Transfer (ZIFT)
✔ Low tubal ovum transfer

For IVF, GIFT, and ZIFT, coverage is available if the patient has first attempted less costly, medically appropriate treatments.

Egg Retrieval Coverage & Lifetime Limits

Each patient is eligible for coverage of up to four egg retrievals. If a live birth occurs, two additional retrievals may be covered, with a lifetime maximum of six retrievals.

Fertility Preservation for Medical Treatments (Iatrogenic Infertility)

If a necessary medical treatment, such as chemotherapy or surgery, may result in infertility, Illinois law requires insurers to cover medically necessary standard fertility preservation services, including egg and embryo freezing.

Insurance Restrictions & Exceptions

Policies cannot impose additional restrictions on fertility medications or services beyond those for other medical treatments.
Employers with fewer than 25 employees are not required to provide coverage.
Religious employers are exempt from covering infertility treatments.
Self-insured employers are not subject to Illinois insurance mandates.

At CCRM Fertility of Illinois, we understand that navigating insurance coverage can feel overwhelming. Our dedicated financial counselors are here to help you understand your benefits and explore financing options. We are committed to making fertility preservation accessible, so you can move forward with confidence in your journey.