Fertility Insurance in Illinois

IVF insurance Illinois

In Illinois, insurers are required to cover the cost of diagnosing and treating infertility when the insurer covers more than 25 people and provides pregnancy-related benefits in its policies. The state defines infertility as being unable to get pregnant for one year of unprotected sex or being unable to carry a pregnancy to term.


Illinois requires insurers to cover an array of infertility treatments, including the following: (i) IVF, (ii) uterine embryo lavage; (iii) embryo transfer; (iv) artificial insemination; (v) gamete intrafallopian transfer; (vi) zygote intrafallopian transfer, (vii) intracytoplasmic sperm injection, and (viii) low tubal egg transfer. However, coverage is limited to four completed egg retrievals for a patient’s lifetime.


Want to improve Illinois’ fertility coverage mandates? Contact RESOLVE and ask how to help lobby for coverage in your area. You never know.



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