IVF Insurance Coverage in Maryland
Maryland has an IVF insurance mandate.
US IVF next steps
Use Maryland coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Maryland IVF guideCosts, clinics, insurance and success-rate context for Maryland.Compare Maryland 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
- IVF cycles covered
- 3
- Lifetime cap
- $100,000
- In effect since
- 2000
Who the mandate applies to
- Large-employer plans: Required
- Small-employer plans: Required
- Individual market: Not required
- Self-insured employer plans (ERISA): Excluded — federal ERISA preemption applies
Statute and notes
Up to 3 IVF attempts per live birth, $100,000 lifetime max. Must have 2 years of unexplained infertility or specified medical condition. Religious employers exempt. Self-insured plans excluded.
Citation: Md. Code, Ins. § 15-810
Last verified 2026-04-14.
Fertility clinics in Maryland
5 reporting clinics (CDC ART 2022).
- Shady Grove Fertility-Rockville — Rockville
- Shady Grove Fertility-Towson — Towson
- Johns Hopkins Fertility Center — Lutherville
- Shady Grove Fertility-Walter Reed, Walter Reed National Military Medical Center — Bethesda
- Montgomery Fertility Center — Rockville