Today, more organizations are considering fertility coverage, including preservation, as a part of standard health benefits. Many are expanding coverage to include more family-building services as they work to meet the growing need for fertility care.


Women are impacted by
infertility in the U.S.1


Of infertility cases are due
to male factor infertility2


Of delayed family planning is attributed to millenials focused on professional development3


Couples will encounter difficulties having a baby by 20254

Fertility Coverage and Care Are Complex

Fertility technology and treatments are advancing, and plan sponsors often confront a variety of challenges and misconceptions while trying to navigate fertility benefit decisions. Most patients need help, too.

Without proper fertility coverage, patient knowledge and access will suffer, and uneducated care decisions can lead to increased

Downstream Costs of Up To 40%3

Fertility coverage: key insights

Click through to see how better fertility coverage can offer insights to help solve common challenges that plan sponsors and patients face.

The Need
For Knowledge

Many patients don’t know that single embryo transfer is both safer and more affordable

Click to expand
  • The need for knowledge

    94% of patients still believe they must use multiple embryos to increase their chances of having a child through IVF — resulting in $42,000 or more in additional costs.1

    Compared with 2-embryo transfer, single embryo transfer reduces:2

    • Risk of low birthweight by more than 50%
    • Neonatal intensive care unit (NICU) admittance by more than 50%
    • Hospital length of stay (LOS) by more than 80%
    1. “Infertility in America 2015 Survey and Report,” Reproductive Medicine Associates of New Jersey.
    2. “Employers and Evidence-Based Infertility Benefits,” EMDSerono.
    3. S. Bearman, “Fertility treatments are becoming a financial and physical risk for many Americans,” CNBC, 20 November 2017. [Online]. Available:

Access and

>50% of fertility patients used credit cards or tapped into their 401K to pay for treatment6

Click to expand
  • Access and Affordability

    About 80% of people who underwent fertility treatments in 2018 had little or no coverage. A lack of fertility coverage can have significant hidden costs. It’s common for patients to spend upwards of $50K on IVF – when employees pay out-of-pocket for treatments like this, they often become financially fragile.1

    An employee worried about their finances will lose approximately a month of productivity in a year.2

    1. J. Dickler and K. Young, “Coverage for fertility treatments often comes up short,” CNBC, 30 June 2019. [Online]. Available:
    2. T. McElgunn, “SHRM 2019: Financial wellness benefits employees want and need,” HRMorning, 27 June 2019. [Online]. Available:

High-Quality Providers

Only 39% of patients think outcomes are most important when choosing their provider7

Click to expand
  • Identifying high-quality providers

    Not all fertility practices provide the same results. Researching care providers is important. Patients should ask questions about a number of topics at their initial consultations, including:

    • How the provider’s outcomes compare to the national average
    • What the provider’s protocols are for embryonic testing and genetic screening
    • Does the provider limit embryo transfer to 1-2 embryos in all instances?
    1. “2017 ART Fertility Clinic Success Rates Report,” [Online]. Available:

The Need
For Change

Some laws and benefit plans may exclude certain patients from fertility coverage entirely8

Click to expand
  • The need for continued change

    Many laws exclude patients who may face infertility due to cancer treatments. Many also limit coverage requirements to heterosexual, married couples only – excluding single women, unmarried partners and homosexual couples.1

    Only 18 states have fertility coverage laws in place.2 10 of these states have fertility preservation laws for medically induced infertility.3

    1. "Insurance Coverage for Fertility Treatments Varies Widely," The New York Times, [Online]. Available:
    2. “Infertility Coverage By State,” Resolve, [Online]. Available:
    3. “State Legislation,” Alliance for Fertility Preservation, [Online]. Available:

The price of inaction is steep

With a richer standard becoming the competitive norm, organizations need to be proactive to stay ahead. In order to protect and grow employee populations, more organizations are looking to provide comprehensive fertility coverage options.

Chart Icon


Of plans and employers intend to maintain or increase fertility offerings over the next 3-5 years9

Arrows Icon


Of employees are willing to change jobs for fertility coverage that includes IVF and egg freezing7

Employee Icon


Of employees feel more loyal when fertility services are covered10

Nurturing the future of fertility coverage and care

The right coverage requires the right partner

Introducing FamilyPathSM, a new integrated fertility benefit. FamilyPath helps you:

Click to watch this video about how the FamilyPath fertility solution can help you deliver better fertility coverage and care.

Why wait to take action?

You can provide fertility coverage for <1% of your premium — or $2-$5 PMPM, depending upon plan design.11

I’m a(n)
interested in learning more.

Learn more

Ready to start exploring fertility coverage options?

Review our new fully integrated fertility benefit, evaluate impact to your organization with our population modeling tool and see the value of offering fertility coverage.

We know solutions are not always a one-size fits all.

To learn more about our fertility offering for employer plans

Click here

To learn more about our fertility offering for health plans

Click here