IVF Insurance Coverage in Texas

What the law covers

Texas is a 'mandate to offer' state, meaning insurers must make IVF coverage available as an option in group health plans, but employers are not required to include it. When coverage is included, it typically covers IVF when other treatments have failed. Texas has a large number of fertility clinics, particularly in the Dallas, Houston, Austin, and San Antonio metros.

Key Provisions

• Insurers must offer IVF coverage as an optional benefit
• When purchased, covers IVF after other treatments have failed
• Applies to group health plans

Limitations & Exclusions

• Employers are not required to purchase the IVF coverage option
• Many employers opt not to include fertility benefits
• Individual plans are not affected by the mandate
• Self-insured plans are exempt

Official Resources

• Texas Department of Insurance
• RESOLVE: Texas Insurance Coverage