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Mandate to CoverSince 1987
IVF Insurance Coverage in Massachusetts
Massachusetts has one of the strongest and most comprehensive IVF mandates in the nation, with no lifetime maximums.
What the law covers
Massachusetts requires all insurers to cover medically necessary infertility diagnosis and treatment, including IVF, with no dollar-amount lifetime maximums. The state's mandate, in effect since 1987, is widely considered a gold standard for fertility coverage. Massachusetts also has one of the highest concentrations of top-tier fertility clinics in the country.
Key Provisions
- Covers diagnosis and treatment of infertility, including IVF
- No dollar-amount lifetime maximums on coverage
- Applies to all health insurance policies
- Covers fertility preservation for medically induced infertility
Limitations & Exclusions
- Self-insured ERISA plans are exempt from state mandates
- Medical necessity must be documented by a physician
- Religious employer exemptions may apply