Does Medicaid Cover IVF Insurance?

Last Updated on January 29, 2024 by Lori Pace

Speaking from my own journey through the world of Medicaid and IVF, the irony is palpable. Instead of pondering ‘Does Medicaid Cover IVF?’, the query should focus on ‘Why isn’t Medicaid Coverage for IVF utilized more?’. Drawing from the revealing insights of the NSFG (National Survey on Family Growth), it’s apparent that women under Medicaid coverage often underutilize plans for fertility support compared to their privately insured counterparts. This discrepancy arises primarily from the absence of fertility treatments in the majority of US states.

Other studies have shown that New York was the only state where policies required Medicaid to cover fertility treatment. As of April 2021, however, 19 States had passed laws that covered fertility treatment. Furthermore, 13 of these laws also include IVF coverage. Other States may require Medicaid to pay for IVF procedures and treatments that could hinder pregnancy.

These treatments may include thyroid drugs, fibroids, abnormal bleeding, IVF procedures, and other gynecologic problems that can cause pelvic pain.

IVF Insurance Coverage – What is IVF?

The series of complex procedures that corrects genetic problems or increases fertility is In-Vitro Fertilization (IVF). It allows patients to conceive and deliver babies. To be exact, the most efficient form of assisted reproductive technology (ART) is IVF.

Firstly, the eggs are taken from the ovaries and then fertilized with sperm in a clean area during the IVF procedure. Secondly, doctors will fertilize the eggs and transfer them to the uterus. In conclusion, a complete IVF cycle can take approximately three weeks.

You can use the eggs of a patient and the sperm from their spouse to perform IVF. The process can also use anonymous donors’ eggs and sperm if necessary. Furthermore, a surrogate (gestation carrier) may be recommended if the patient cannot carry fertilized eggs.

What Are the Eligibility Requirements for Medicaid to Cover IVF?

The insurance mandate mentions that a State’s Medicaid program should cover pregnancy-related benefits, like IVF and Infertility treatment. This law also requires that health plans for teachers and state employees include the same infertility coverage.

As someone who’s journeyed through the maze of Medicaid regulations, it’s noteworthy that the mandate’s evolution brings clarity. It now explicitly states that infertility encompasses conditions that impede the reproductive system’s functionality. This legal refinement aligns with the medical definition of infertility, an advancement enabling even women without traditional partners or those in same-sex relationships to access Medicaid’s infertility coverage.

In some states, Medicaid may cover infertility treatments for those who meet the criteria. So, these criteria are:

  1. The man cannot impregnate the woman.
  2. A woman over 35 with a male partner cannot conceive after one year of unprotected sexual sex.
  3. After 12 unsuccessful attempts at intrauterine fertilization under medical supervision, a woman who is over 35 years of age still cannot conceive.
  4. A woman over 35 without a male partner wasn’t able to conceive after six attempts at intrauterine insemination.
  5. Involuntary medical sterilization is the reason why partners are unable to conceive.
  6. If the woman is unable to carry the pregnancy to live birth.
  7. If the law states that the woman was infertile in the past.

What Does Medicaid Cover with Regard to IVF Procedures?

As someone who’s navigated the maze of Medicaid and IVF, it’s heartening to know that pregnancy benefits often herald promising support. Within this realm, Medicaid extends its coverage to encompass three IVF cycles, including a range of transformative procedures:

  • The journey embarks with preparative medications, kindling the ovaries for oocyte retrieval, and culminating in IVF with both fresh and frozen embryo transfers.
  • For those embracing surrogacy, Medicaid extends coverage to IVF procedures involving surrogate implantation with donor eggs.
  • The groundbreaking ICSI (Intracytoplasmic sperm injection) also finds its place, further enriching IVF possibilities.
  • Assisted hatching, a procedure brimming with potential, is a part of the coverage, fostering hopes of success.
  • Additionally, the embrace of fertility examinations, diagnostics, infertility medications, and even infertility surgery if deemed necessary, mirrors a comprehensive commitment.
  • The possibilities continue with the inclusion of ZIFT (Zygote intrafallopian transfer) and GIFT (Gamete intrafallopian transfer), demonstrating Medicaid’s dedication to holistic support.
  • Notably, ovulation induction, a key facet of fertility treatments, is also encompassed within this remarkable scope.

Does Medicaid Cover IVF Require Services Before A Procedure?

Medicaid will pay for services that are necessary before an IVF procedure. These services include:

Physician Clinic Visits

These appointments with certified fertility specialists, and reproductive endocrinologists, are pivotal in establishing a personalized roadmap. Each visit presents an opportunity to discuss concerns and map out an effective strategy.


A crucial x-ray procedure, the Hysterosalpingogram, gains prominence as it scrutinizes the health of fallopian tubes and the uterus. Detecting issues like blocked fallopian tubes or abnormal uterine cavities, this procedure plays a vital role in optimizing fertility.

Blood Testing

Blood tests assume significance, as they precede IVF procedures. These tests evaluate the level of FSH (follicle-stimulating hormone) in your body, shedding light on the quality and quantity of eggs available. This insightful data aids reproductive endocrinologists in tailoring treatments.

Pelvic Ultrasound

The ultrasound’s role in the journey is paramount, offering insights into the health of the uterus, endometrial lining, and ovarian reserve. This comprehensive evaluation extends to assessing uterine shape, contributing vital information for successful IVF.

Which Infertility Prescription Drugs Does Medicaid Cover?

As someone who’s closely navigated the intersection of Medicaid and fertility treatments, it’s heartening to know that the umbrella of coverage extends to essential ovulation stimulation medication. Furthermore, this coverage encapsulates vital medical services encompassing monitoring and prescription of these medications.

Notably, this umbrella envelops Medicaid enrollees aged 21-44 grappling with infertility. Within this commitment, Medicaid embraces pivotal ovulation stimulation medications for a maximum of three treatment cycles throughout one’s lifetime. This list encompasses Clomiphene citrate, Bromocriptine, Tamoxifen, and Letrozole, each a beacon of hope for those seeking fertility support.

What Can Fertility Clinics Do to Make IVF Procedures as Cost-Effective as Possible?

Drawing on my own interactions within the realm of fertility clinics, their commitment to accessible infertility treatments is remarkable. They actively engage patients through innovative IVF treatment grant programs, a lifeline for many. For instance, the Gift of Hope IVF grant encapsulates a comprehensive array of services with an estimated value of approximately 15,000 USD.

Clinics can help you create a customized treatment plan for each patient to maximize their success and reduce costs. They make sure you take advantage of every benefit available to your Medicaid plan.

The Fertility Clinics can help you access the best 3rd-party financing for IVF treatments to get the treatment you need. They also guide in maximizing the discounts on prescription medication offered by a partnership between the clinic and pharmaceutical manufacturers.

What more?

Exploring further avenues, it’s worth noting that if your Medicaid coverage falls short of encompassing IVF, or circumstances warrant an alternative route, there are pathways to explore. You can apply for IVF Loans or IVF Grants.

Lori Pace
Lori Pace

Lori Pace is a single mother of three daughters ages 7 and under. As a working mom from home, she balances kids, work and two crazy dogs with humor and love. Follow Lori as she honestly gives tips and advice based on her own experiences as a single mom!