IVF Insurance Coverage in Connecticut
Connecticut has an IVF insurance mandate.
US IVF next steps
Use Connecticut coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Connecticut IVF guideCosts, clinics, insurance and success-rate context for Connecticut.Compare Connecticut 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
- Egg retrievals covered
- 2
- IVF cycles covered
- 4
- In effect since
- 2005
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
Covers up to 4 cycles of ovulation induction, 3 IUI cycles, and 2 IVF cycles. Age 40 cap on IVF. Religious employers exempt. Self-insured plans excluded.
Citation: Conn. Gen. Stat. § 38a-509; § 38a-536
Last verified 2026-04-14.
Fertility clinics in Connecticut
7 reporting clinics (CDC ART 2022).
- Illume Fertility — Norwalk
- Center for Advanced Reproductive Services — Farmington
- Yale Fertility Center — Orange
- New England Fertility Institute — Stamford
- Greenwich Fertility and IVF Center, PC — Greenwich
- Park Avenue Fertility and Reproductive Medicine — Trumbull
- Rejuvenating Fertility Center — Westport