IVF Insurance Coverage in Massachusetts
Massachusetts has an IVF insurance mandate.
US IVF next steps
Use Massachusetts coverage rules with cost and clinic data
Estimate out-of-pocket costModel total cost by state, age band and insurance plan type.Massachusetts IVF guideCosts, clinics, insurance and success-rate context for Massachusetts.Compare Massachusetts 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
- In effect since
- 1987
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
Most generous US mandate: unlimited IVF cycles, cryopreservation included, no dollar cap. Covers unmarried patients. Self-insured plans excluded.
Citation: Mass. Gen. Laws ch. 175, § 47H; ch. 176A, § 8K
Last verified 2026-04-14.
Fertility clinics in Massachusetts
8 reporting clinics (CDC ART 2022).
- Boston IVF, LLC — Waltham
- Brigham and Women's Hospital Center for Assisted Reproductive Technology — Boston
- CCRM Boston — Newton
- Fertility Centers of New England, Inc., New England Clinics of Reproductive Medicine, Inc. — Reading
- Massachusetts General Hospital Fertility Center — Boston
- Fertility Solutions, PC — Dedham
- Baystate Reproductive Medicine — Springfield
- UMass Memorial IVF Center — Worcester