IVF Insurance Coverage in Colorado
Colorado has an IVF insurance mandate.
US IVF next steps
Use Colorado coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Colorado IVF guideCosts, clinics, insurance and success-rate context for Colorado.Compare Colorado 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
- Full mandate
- Egg retrievals covered
- 3
- In effect since
- 2022
Who the mandate applies to
- Large-employer plans: Required
- Small-employer plans: Required
- Individual market: Required
- Self-insured employer plans (ERISA): Excluded — federal ERISA preemption applies
Statute and notes
Requires coverage of 3 completed oocyte retrievals and unlimited embryo transfers. Applies to large group, small group, and individual markets. Self-insured plans (ERISA) excluded. Religious employers exempt.
Citation: HB 20-1158; Colo. Rev. Stat. § 10-16-104(22)
Last verified 2026-04-14.
Fertility clinics in Colorado
8 reporting clinics (CDC ART 2022).
- Colorado Center for Reproductive Medicine — Lone Tree
- CNY Fertility Colorado — Colorado Springs
- Conceptions Reproductive Associates of Colorado — Littleton
- Shady Grove Fertility Colorado — Greenwood Village
- Denver Fertility-Albrecht Women's Care — Englewood
- Rocky Mountain Fertility Center — Englewood
- Rocky Mountain Center for Reproductive Medicine — Fort Collins
- Kindbody - Denver — Denver