IVF Insurance Coverage in Maryland

What the law covers

Maryland's IVF mandate has been in effect since 1985 and requires insurers to cover IVF for patients who have a 2-year history of infertility. The law applies to employers with 50 or more employees. Maryland was among the first states to require IVF coverage and has been a model for other states' legislation.

Key Provisions

• Covers IVF when other treatments have failed or are medically inappropriate
• Applies to group plans of employers with 50+ employees
• Maximum of 3 IVF attempts per live birth (unlimited total if criteria met)
• Patient must have a 2-year history of infertility

Limitations & Exclusions

• Does not apply to employers with fewer than 50 employees
• HMOs must cover IVF only if cost-effective
• Eggs must be fertilized with the spouse's sperm (under original language)
• Self-insured plans are exempt

Official Resources

• Maryland Insurance Administration
• RESOLVE: Maryland Insurance Coverage