A proposed rule would let employers offer standalone supplemental fertility coverage, separate from major medical insurance, without requiring participation or employer adoption.
Coverage could include infertility diagnosis and treatment, lab work, medications, genetic testing, IVF, and care for conditions such as endometriosis and polycystic ovary syndrome.
The benefit would carry a $120K lifetime cap for participants and beneficiaries, with inflation adjustments for plans beginning in 2028 if finalized.
A single IVF cycle costs an avg. $15K to $20K, and patients may need multiple rounds, making assistance meaningful for some families.
After publication, the public gets 60 days to comment; experts said patient access would likely take months if the rule is finalized.
