42% of large US employers now offer fertility benefits — and that number has nearly doubled in five years. If you work for a company with 500 or more employees and you haven’t checked your fertility benefits recently, you might be sitting on a benefit worth $15,000 to $40,000 that you don’t know you have.
According to the Society for Human Resource Management (SHRM) 2024 Employee Benefits Survey, fertility benefits have become one of the fastest-growing categories of employer-sponsored health benefits. In 2019, only about 24% of large employers offered any fertility coverage beyond basic diagnostics. By 2024, that figure had climbed to 42%.
Why Companies Are Doing This
It’s not purely altruistic. The talent market for engineers, finance professionals, and healthcare workers is competitive, and fertility benefits have become a meaningful recruiting and retention tool — particularly for workers in their 30s who are most likely to need them.
Companies also discovered something counterintuitive: structured fertility benefits can actually reduce total healthcare costs. When employees are guided through a managed fertility benefit platform, they’re more likely to do single embryo transfers, which dramatically reduces expensive twin and triplet pregnancies.
Companies Known for Strong Fertility Benefits
Technology sector
- Google — Covers IVF, egg freezing, surrogacy assistance, and adoption. Lifetime maximum widely reported at $40,000+. Includes coverage for same-sex couples.
- Amazon — Offers fertility benefits through their medical plans. Coverage varies by plan tier but includes IVF and egg freezing.
- Apple — Covers IVF and egg freezing. Apple made headlines for covering egg freezing for non-medical reasons as early as 2014.
- Microsoft — Offers fertility benefits up to $40,000 per employee. Coverage through Progyny benefit platform at many locations.
- Salesforce — Comprehensive fertility and family-forming benefits including IVF, surrogacy, and adoption assistance.
- Meta (Facebook) — Offers fertility treatment reimbursement up to $40,000.
Finance sector
- JPMorgan Chase — Fertility benefits up to $30,000 lifetime.
- Goldman Sachs — Offers fertility coverage through their health plans.
- Bank of America — Provides fertility treatment reimbursement through medical benefits.
- Fidelity Investments — Expanded fertility benefits in recent years; includes IVF and egg freezing.
Retail and consumer
- Starbucks — Offers IVF coverage up to $25,000 lifetime for eligible employees, including part-time workers who qualify for benefits. One of the most accessible retail fertility benefits given Starbucks’ large hourly workforce.
- Walmart — Added fertility benefits through their Centers of Excellence program with specific partner clinics.
Healthcare
Several major hospital systems and healthcare employers have added fertility benefits, partly to walk the talk on reproductive health and partly to compete for nursing and physician talent.
What “Fertility Benefits” Actually Means
Don’t assume all fertility benefits are equal. There are several distinct structures:
Dollar-amount reimbursement: The most common model. Your employer offers a lifetime dollar maximum — say $15,000 — and you submit receipts for fertility treatment expenses. Simple, but you’re responsible for finding in-network providers.
Managed benefit platforms: Companies like Progyny, Carrot Fertility, and Maven Clinic have built dedicated fertility benefit platforms. Employers contract with these platforms, which have their own networks of fertility clinics and case managers. Benefits are measured in “smart cycles” (Progyny) or dollar amounts, and the platform guides members through treatment decisions.
Insurance plan add-ons: Some employers add IVF coverage as an enhancement to their standard health insurance. In this model, treatment goes through your regular insurance network.
| Benefit Type | Typical Lifetime Max | Common Among |
|---|---|---|
| Basic IVF coverage | $10,000–$15,000 | Mid-size employers |
| Standard fertility benefit | $20,000–$25,000 | Large employers |
| Premium fertility benefit | $30,000–$40,000 | Tech, finance companies |
| Unlimited / uncapped | No dollar limit | Small number of top-tier employers |
How to Find Out What Your Employer Actually Offers
Step 1: Check your benefits portal. Log in to your employer’s benefits website (usually accessed through your company intranet or HR portal). Search for “fertility,” “reproductive,” or “family forming.”
Step 2: Read the Summary Plan Description (SPD). Every employer-sponsored health plan is required to provide this document. The fertility section will describe what’s covered, any lifetime maximums, prior authorization requirements, and any in-network requirements.
Step 3: Call HR directly. Ask: “Do we have any fertility benefits beyond what’s in our standard health insurance? Is there a separate fertility benefit, like through Progyny or Carrot?” Some fertility benefits are standalone and aren’t always obvious in the main benefits documentation.
Step 4: Ask about adoption and surrogacy assistance. Some companies offer fertility treatment benefits AND separate adoption/surrogacy reimbursements. These are often in different places in the benefits documentation.
When calling HR or your benefits team, ask: (1) Is there a lifetime dollar maximum on fertility benefits? (2) Do I need to use specific partner clinics? (3) Are fertility medications covered under the same benefit? (4) Does the benefit cover egg freezing for non-medical reasons? (5) Is there a benefit for same-sex couples or single individuals who need donor sperm or egg?
Benefit Platforms: What They Mean for Clinic Choice
If your employer uses Progyny, Carrot Fertility, or a similar managed platform, your benefit is often higher than the dollar value suggests — because these platforms have negotiated lower per-cycle rates with their partner clinics. But there’s a catch: you’ll need to use their network.
Before choosing a fertility clinic, check whether it’s in your employer benefit platform’s network. Using an out-of-network clinic might mean your benefit doesn’t apply, or applies at a significantly reduced rate.
If You Don’t Have Employer Fertility Benefits
Don’t give up. Options include:
- HSA/FSA accounts: IVF, IUI, egg freezing (when medically indicated), and fertility medications all qualify as HSA/FSA-eligible medical expenses under IRS rules.
- State mandates: If you’re in a fully-insured plan in a mandate state, you may have coverage regardless of your employer’s specific offerings.
- IVF financing and grants: Many clinics offer financing plans, and organizations like RESOLVE, Baby Quest Foundation, and others provide grants.
Employer fertility benefits are expanding, but they’re still not universal. Knowing what you have — and knowing what you don’t have — is the starting point for planning your costs.
Benefits information based on publicly reported employer policies and SHRM 2024 Employee Benefits Survey. Employer benefits change; always verify current coverage with your HR department or benefits administrator before beginning treatment.