Florida Fertility Insurance Coverage 2025

Each year, an increasing number of insurance companies and employers in the Orlando area are offering fertility benefits, making treatments more accessible and providing much-needed financial support for individuals and couples hoping to expand their families. If your insurance provider or employer offers these benefits, the start of the year is an excellent time to begin your fertility journey. In this post, we’ll explain what coverage insurance plans may offer patients in Florida and provide the latest list of participating insurances at the Center for Reproductive Medicine. 

Florida Insurance Mandate 

In Florida, there is currently no state mandate that requires insurance companies to offer coverage for fertility treatments. This means fertility insurance coverage is determined by individual employers and insurers. As a result, fertility benefits in Florida vary widely. Some plans may offer coverage for diagnostic tests, medications, or even procedures such as IVF.  

When you are researching your benefits, be sure to ask if your plan has any limitations, such as the number of IVF cycles covered. Additionally, obtaining a referral or pre-authorization may be required by some plans. Understanding your coverage when starting your journey can help you avoid unexpected delays during treatment.   

It's worth noting that although there is no legal mandate, more and more employers in Florida are recognizing the importance of fertility support, with many expanding their benefits to include things like in-vitro fertilization (IVF), and egg freezing. Learn more about fertility insurance coverage and set your year up for success!  

Fertility Insurance in Central Florida 

• Aetna 

• BCBS My Blue requires PCP referral  

• Cigna, Cigna/Great West  

• Allegiance  

• Oscar  

• Kindbody  

• Stork Club  

• Maven  

• Progyny  

• United Health Care (Optum)