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IVF Insurance Coverage in Montana

Montana has an IVF insurance mandate.

Mandate type
Diagnosis only — IVF not required
In effect since
1987

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

HMOs only; covers infertility diagnosis. IVF not required. Self-insured plans excluded.

Citation: Mont. Code § 33-22-1521

Read the statute

Last verified 2026-04-14.

Fertility clinics in Montana

1 reporting clinic (CDC ART 2022).