Updated October 2025. Benefits depend on your individual insurance plan and may change over time.
If you live or work in Connecticut and your employer provides a fully-insured health plan (purchased directly from an insurance company), state law generally requires that medically necessary infertility services — including IVF — be covered.
Important: Self-funded employer plans (ERISA plans) and government-issued policies follow different guidelines. After your first appointment at ConceptionIVF, our financial counselors will review your insurance details and confirm your exact benefits.
Start with a consultation and get paired with a Financial Coordinator who will verify your coverage, check authorizations, and prepare an estimate specific to your treatment plan.
Need assistance? Call our Patient Support Team at (212) 661-7673.
Here’s what Connecticut’s infertility mandate commonly includes:
Most fully insured plans must cover medically necessary fertility evaluation and treatment, including:
1. Diagnostic testing
2. Ovulation induction
3. Intrauterine insemination (IUI)
4. In vitro fertilization (IVF)
5.Related procedures such as embryo transfer
Note: - Prior authorization and standard deductibles/copays may apply.
State rules typically allow insurers to set specific limits, such as:
1. Up to 4 cycles of ovulation induction
2. Up to 3 IUI cycles
3. Up to 2 IVF cycles, each allowing up to 2 embryo transfers
Connecticut requires coverage for egg or sperm retrieval when a medical treatment (e.g., chemotherapy) may cause infertility. However, ongoing storage fees are not required under the mandate and may be an additional expense.
Connecticut does not permit insurers to set blanket age limits. Age may be considered only during medical-necessity reviews based on clinical evidence.
Plans offered by church-controlled employers or individuals with written religious objections may opt out of infertility benefits if clearly stated in the policy.
The law applies to fully insured individual and group plans issued in Connecticut. Self-funded employer plans are exempt and may or may not offer infertility benefits.
Living in a mandated state often makes fertility treatment more accessible by reducing out-of-pocket expenses.
After your consultation at ConceptionIVF:
Our team supports you every step of the way — answering insurance questions, connecting you to financial aid, and helping you understand your options.
Explore more resources in our Fertility Finance Center:
View the insurance partners and programs accepted by ConceptionIVF.
Browse trusted organizations that offer funding for IVF or fertility preservation.
Understanding the true cost of treatment can feel overwhelming.
That’s why our experts created a comprehensive Financial Planning for Fertility Treatment eBook, covering:
Most plans follow state-allowed limits:
Prior authorization may still be required.
Egg or sperm retrieval is covered when a medically necessary treatment may cause infertility.
Long-term cryostorage is not mandated and may be billed separately depending on your insurer.
Insurers cannot deny coverage based solely on age.
However, age may be reviewed within medical-necessity criteria as documented by your physician.
Yes. Connecticut law protects access to fertility care regardless of marital status, gender identity, or sexual orientation.
Coverage still depends on medical necessity and your specific policy.
Self-funded plans may set their own rules.
At ConceptionIVF, our board-certified fertility specialists and dedicated support staff are committed to guiding you through every step of your journey. We serve patients across Connecticut and neighboring regions with compassionate, individualized care.
Schedule a consultation today. After your first visit, your Financial Coordinator will:
You’ll find everything you need here: a full spectrum of services, our award-winning laboratory, and heartfelt support for your mind and body.
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