IVF Insurance Coverage in Illinois
Illinois has an IVF insurance mandate.
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Use Illinois coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Illinois IVF guideCosts, clinics, insurance and success-rate context for Illinois.Compare Illinois 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.
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Pair coverage rules with real Illinois IVF costs
Insurance rules determine whether a mandate may apply, but clinic quotes still need to be checked for medication, IUI, embryo transfer, storage and add-on fees.
- Mandate type
- Full mandate
- Egg retrievals covered
- 4
- In effect since
- 1991
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
Up to 4 completed egg retrievals; if live birth, 2 more allowed. Employers with <25 employees exempt. Religious employers may opt out. Self-insured plans excluded.
Citation: 215 ILCS 5/356m
Last verified 2026-04-14.
Fertility clinics in Illinois
21 reporting clinics (CDC ART 2022).
- Fertility Centers of Illinois-River North IVF — Chicago
- Kindbody-Chicago West Loop — Chicago
- Northwestern Fertility and Reproductive Medicine — Chicago
- Advanced Fertility Center of Chicago — Gurnee
- Institute for Human Reproduction (IHR) — Chicago
- Reproductive Medicine Institute — Oak Brook
- Fertility Centers of Illinois-Highland Park IVF Center — Highland Park
- InVia Fertility Specialists — Hoffman Estates
- IVF1 — Naperville
- The Advanced IVF Institute, Charles E. Miller, MD, SC & Associates — Naperville
- See all 21 clinics in Illinois →