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Connecticut Fertility Billing
& IVF Mandate Guide

Covers IVF, GIFT, ZIFT, and embryo transfer for patients who meet infertility criteria

Statute
Conn. Gen. Stat. §38a-536
Effective
October 1, 1989
Plans Covered
Fully-insured group health plans

What's Covered Under Connecticut's Mandate

Up to 2 IVF cycles. Always verify individual plan benefit designs at patient intake.

IVF (standard cycles)
✓ Mandated

Up to 2 IVF cycles covered

GIFT / ZIFT
✓ Mandated

Covered under the mandate

Embryo transfer
✓ Mandated

Covered as part of IVF benefit

IUI
✓ Mandated

Covered when clinically indicated

ICSI
✓ Mandated

Covered when male factor documented

Embryo cryopreservation
✓ Mandated

Mandated as part of IVF benefit

Egg freezing
✗ Not Mandated

Not specifically mandated — verify per plan

PGT
✗ Not Mandated

Not mandated — payer discretion

Self-funded employer plans (ERISA)
✗ Not Mandated

Exempt from CT state mandate

Connecticut Billing Notes

1
Anthem CT prior auth

Anthem Blue Cross Blue Shield CT requires prior authorization for all ART procedures. Submit complete clinical documentation including diagnosis, AMH, AFC, and prior treatment history.

2
2-cycle limit tracking

Connecticut mandates only 2 IVF cycles. Track lifetime utilization carefully — patients who have used cycles at other practices may have exhausted their benefit.

3
ConnectiCare requirements

ConnectiCare (an EmblemHealth company) may require S-codes alongside standard ART CPT codes. Verify their current claim submission requirements.

4
Infertility definition

CT defines infertility as inability to conceive after 12 months of unprotected intercourse. For women over 35, the timeframe is 6 months. Document the qualifying period in the chart.

Top Payers in Connecticut

Anthem Blue Cross Blue Shield CT
Aetna
UnitedHealthcare
ConnectiCare
Harvard Pilgrim

EasyRCM tip: Payer requirements change frequently. We track prior auth workflows, coverage criteria updates, and denial pattern shifts for every major payer in Connecticut — so you don't have to.

Connecticut Fertility Billing — FAQ

How many IVF cycles does Connecticut cover?

Connecticut mandates coverage for 2 IVF cycles per lifetime. This is one of the lower cycle limits among mandate states, making it important to verify remaining benefit early in the patient relationship.

Does Connecticut cover IUI?

Yes, IUI is covered when clinically indicated under the Connecticut mandate. Confirm the specific authorization and documentation requirements with each payer.

Is egg freezing covered in Connecticut?

Elective egg freezing is not specifically mandated under Connecticut's current law. Medically indicated fertility preservation may be covered by some plans — verify per payer.

Billing under Connecticut's mandate?

EasyRCM handles fertility billing for practices in Connecticut and all 21 mandate states — from eligibility verification and prior auth to denial appeals and A/R recovery.

Book Your Free CT Billing Review →