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IVF Insurance Coverage in Rhode Island

Rhode Island has an IVF insurance mandate.

Mandate type
Partial mandate
Lifetime cap
$100,000
In effect since
1989

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 IVF up to $100,000 lifetime benefit. Patient cost-share capped at 20%. Self-insured plans excluded.

Citation: R.I. Gen. Laws § 27-18-30; § 27-19-23

Read the statute

Last verified 2026-04-14.

Fertility clinics in Rhode Island

1 reporting clinic (CDC ART 2022).