Fertility Insurance Coverage in Florida: New Year, New Benefits

Every year, more employers and insurance providers are starting to offer fertility benefits in Florida. With insurance plans resetting in the new year, it’s a great time to review your benefits and take advantage of any fertility coverage available to you. Let’s discuss how to get started, what coverage options insurers are required to offer in Florida, and the most updated list of insurance companies accepted by IVFMD.  

Understanding Fertility Benefits 

The best way to get started is to thoroughly understand your fertility benefits. Take time to review your insurance policy and confirm exactly what is covered under your plan. Some insurance providers offer comprehensive fertility treatments, while others may only cover certain services, like diagnostic testing or medication. It's also a good idea to make sure you’re aware of any limitations, such as the number of IVF cycles covered. Keep in mind that some plans may require a referral or pre-authorization before beginning treatment, so understanding the process early on can help avoid unnecessary delays. 

Florida Fertility Coverage Mandate  

It’s important to recognize that Florida does not have a state mandate for fertility coverage. This means that while many employers and insurance providers offer fertility benefits, it's not guaranteed for everyone. The lack of a state mandate leaves the decision-making about fertility coverage up to individual employers and insurers.  

Thankfully, an increasing number of employers in Florida are recognizing the importance of fertility support, with many expanding their benefits to include treatments like in-vitro fertilization (IVF), and egg freezing.  

Fertility Insurance in South Florida 

IVFMD participates with many insurance providers and plans. If you have coverage and do not see your plan below, contact us as new plans are frequently being added.   

• Aetna 

• AvMed 

• BlueCross and BlueShield (BCBS; Florida Blue) 

• Cigna 

• Community Health Partners (CHP) – Dr. Alford 

• Golden Rule/United HealthCare (UHC) 

• JMC Health Network – Dr. McCarthy 

• Kindbody 

• Maven Gold 

• MultiPlan 

• Neighborhood Health Partnership (NHP)/United HealthCare (UHC) 

• Oxford 

• Private Healthcare Systems (PHCS) 

• Progyny 

• Stork 

• TriCare (out of network coverage) 

• United HealthCare (UHC) - (Golden Rule, Optum, Oxford, UMR)  

• United Medical Resources (UMR)/ United HealthCare (UHC) 

• WINFertility 

Conclusion  

Starting your fertility journey early in the year not only aligns with the reset of your insurance plan but also gives you the time to thoroughly explore your options, understand the coverage details, and prepare for any treatments. By utilizing insurance benefits wisely and staying informed, you can make the most of your fertility journey in 2025. 

Start your journey today by scheduling a consultation with one of our board-certified reproductive endocrinologists.