State Guides

Fertility Billing Services by State

Insurance coverage for IVF varies dramatically by state — 21 states have fertility mandates, each with different rules. Our state guides cover the payer landscape, mandate requirements, and billing nuances specific to each market.

California
None (employer-dependent)
  • Blue Shield CA
  • Anthem CA
  • Kaiser
  • Progyny dense market
New York
Comprehensive (3 IVF cycles)
  • NY Insurance Law §3221
  • Empire BCBS
  • UHC NY
  • Mandate auth required
Illinois
Comprehensive (4 IVF cycles + ICSI/PGT)
  • IL §356m mandate
  • BCBS IL
  • Same-sex couple coverage
  • Unlimited FETs
Texas
None (primarily self-pay + employer benefit)
  • BCBS TX
  • UHC TX
  • Progyny in tech corridor
  • Self-pay pricing
New Jersey
Comprehensive (4 IVF cycles + ICSI/PGT/cryo)
  • Horizon BCBS NJ
  • NJ pharma corridor
  • Progyny dense market
  • Egg cryo mandate

Don't see your state?

We serve fertility practices in all 50 states. Our billing team understands the payer landscape and mandate requirements in every market — not just the states listed here.

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