Is Fertility Testing Covered by Insurance: Overview, Common Fertility Tests, Insurance Plan, Coverage & States Offering the Insurance

Is Fertility Testing Covered by Insurance: Everything You Need to Know.!!!

An image illustration of Fertility Testing
Find out if fertility testing is covered by insurance.

If you are trying to conceive, you might be wondering if fertility testing is covered by insurance.

Fertility testing is a process that involves checking your reproductive health and identifying any potential problems that might affect your ability to get pregnant.

The testing can include blood tests, ultrasound scans, semen analysis, genetic testing, and more.

Fertility testing can be expensive, and not everyone can afford it out of pocket.

That’s why it is important to know if your insurance plan covers fertility testing, and what are the requirements and limitations.

In this blog post, we will answer the question: Is fertility testing covered by insurance?

We will also provide some tips on how to find the best insurance plan for your fertility needs.

How does insurance cover fertility testing?

The answer to whether insurance covers fertility testing depends on several factors, such as your:

  • Insurance company.
  • Your plan types.
  • Your state.
  • Your diagnosis.

There is no simple yes or no answer, as different insurance plans have different policies and benefits for fertility testing.

In general, insurance plans are more likely to cover fertility testing than fertility treatment, such as in vitro fertilization (IVF) or intrauterine insemination (IUI).

This is because fertility testing is considered a diagnostic service, while fertility treatment is considered an elective or non-essential service.

However, this does not mean that all insurance plans cover fertility testing, or that they cover it fully.

Some insurance plans may cover fertility testing only if you have a medical condition that affects your fertility, such as endometriosis, polycystic ovary syndrome (PCOS), or male factor infertility.

Some insurance plans may cover fertility testing only for a certain number of cycles, or up to a certain amount.

Additionally, some insurance plans may require you to meet certain criteria, such as age, marital status, or previous attempts to conceive, before they cover fertility testing.

Some insurance plans may not cover fertility testing at all, or only cover it partially, leaving you with a high deductible or copay.

Therefore, it is essential to check your insurance plan details and benefits before you start fertility testing, and to ask your insurance company and your fertility clinic about the coverage, costs, and requirements.

You can also use online tools, such as [FertilityIQ] or [Progeny], to compare different insurance plans and their fertility benefits.

Finding the Right Insurance Plan

For those seeking coverage or considering a switch, consider the following:

  1. Seek comprehensive coverage for fertility testing, encompassing both male and female diagnostics without restrictive conditions.
  2. Opt for plans with generous benefits, including unlimited cycles, high maximums, and low deductibles and copays to minimize out-of-pocket expenses.
  3. Ensure the plan is available in your state and accepted by your preferred fertility clinic, meeting state regulations and provider network criteria.
  4. Prioritize plans with efficient customer service and claims processing, with dedicated fertility support for prompt responses and accurate claims processing.

What are Some Common Fertility Tests People Of all Genders?

Common fertility tests for women include:

An infographic illustration of Common fertility tests for women

  • Hormone tests:

These measure hormone levels affecting ovulation and fertility, including follicle-stimulating hormone (FSH), luteinizing hormone (LH), estrogen, progesterone, thyroid, and prolactin.

  • Ovarian reserve tests:

These assess egg quantity and quality using anti-Müllerian hormone (AMH), antral follicle count (AFC), and clomiphene citrate challenge test (CCCT).

  • Ultrasound:

This imaging technique examines the uterus, ovaries, and fallopian tubes for abnormalities like fibroids, cysts, or polyps.

  • Hysterosalpingogram (HSG):

This X-ray test checks for blockages or damage hindering sperm-egg interaction by injecting dye into the uterus and fallopian tubes.

  • Hysteroscopy:

A thin camera checks the uterus for issues like scar tissue, adhesions, or septum.

  • Laparoscopy:

This surgical procedure investigates and treats issues such as endometriosis, pelvic inflammatory disease, or tubal ligation by inserting a camera and instruments into the abdomen.

Common fertility tests for men include:

  • Semen analysis:

This evaluates sperm count, motility, morphology, and volume.

  • Hormone tests:

These measure testosterone, FSH, LH, and prolactin levels affecting sperm production and fertility.

  • Genetic tests:

Assess for chromosomal or genetic abnormalities increasing infertility or birth defect risks, like Klinefelter syndrome or cystic fibrosis.

  • Scrotal ultrasound:

Sound waves create images of the testicles and scrotum, detecting varicocele, hydrocele, or tumors.

  • Testicular biopsy:

This procedure examines testicular tissue for issues like infection, inflammation, or obstruction.

Which states mandate insurance coverage for fertility testing?

Presently, 19 states enforce laws requiring insurance coverage for some or all aspects of fertility testing and treatment.

These states include:

Arkansas, California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Hampshire, New Jersey, New York, Ohio, Rhode Island, Texas, Vermont, and West Virginia.

Nevertheless, the laws vary significantly in terms of coverage scope, eligibility, and limitations.

For further details about state laws, visit [Resolve], the National Infertility Association.


Q: What is the cost of fertility testing without insurance?

A: Fertility testing expenses without insurance depend on the required tests, clinic chosen, and complexity.

According to [FertilityIQ], the average cost in the U.S. is $1,182 for women and $114 for men.

However, costs can range from $200 to $4,000 for women and $20 to $1,000 for men, depending on testing depth and comprehensiveness.


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