IVF Insurance Coverage in Arkansas
Arkansas has an IVF insurance mandate.
US IVF next steps
Use Arkansas coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Arkansas IVF guideCosts, clinics, insurance and success-rate context for Arkansas.Compare Arkansas clinicsUse published fees with CDC outcome data before contacting clinics.Check insurance rulesState mandates, ERISA self-insured exclusions and employer-plan checks.Compare payment routesFinance, refund programs, multi-cycle packages and employer benefits.Check success ratesCompare age-band outcomes alongside price and access.
Also useful: IVF cost by state and true cost analysis.
- Mandate type
- Partial mandate
- Lifetime cap
- $15,000
- In effect since
- 1987
Who the mandate applies to
- Large-employer plans: Required
- Small-employer plans: Exempt
- Individual market: Not required
- Self-insured employer plans (ERISA): Excluded — federal ERISA preemption applies
Statute and notes
Requires group insurers to cover IVF up to a $15,000 lifetime maximum. HMOs exempt. Small employer (<25) exempt. Self-insured (ERISA) plans excluded.
Citation: Ark. Code § 23-85-137; § 23-86-118
Last verified 2026-04-14.
Fertility clinics in Arkansas
1 reporting clinic (CDC ART 2022).
- Arkansas Fertility Center — Little Rock