Connecticut State Infertility Mandate

If you have a fully insured policy issued in Connecticut, state law generally requires coverage for medically necessary infertility care, including IVF.

Self-funded employer plans and government programs are not bound by the state mandate.

We will always verify your plan details after your initial consult.

While prior authorization and standard cost-sharing may still apply, Connecticut law allows plans to set limits such as:

• Up to 4 ovulation induction cycles
• 3 intrauterine insemination (IUI) cycles
• 2 in vitro fertilization (IVF) cycles per lifetime, with up to 2 embryo transfers per IVF cycle

When a medical treatment may cause infertility, retrieval of eggs or sperm is covered. Long-term storage is not required by the mandate. Your policy may still cover storage in some cases, so please confirm with your insurer.

Plans cannot set blanket age cut-offs. Age can be considered only as part of medical-necessity review. Your doctor’s documentation and insurer authorization still apply.

Connecticut protects access regardless of sexual orientation or gender identity, and plans can’t use blanket age cutoffs.

Final coverage still depends on medical necessity and your specific policy; self-funded employer plans may not be subject to the state mandate.