Does Bank of America cover IVF?
What Bank of America publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Benefit pages read · checked 16 h ago
Bank of America says it covers fertility treatment for eligible US employees, up to a $20,000 lifetime maximum, but its public pages do not name IVF. Bank of America does not say on its public pages whether part-time workers qualify.
What Bank of America says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
Fertility treatment is covered; IVF is not named
“Our Family Planning Reimbursement provides flexibility to eligible U.S.-based employees with up to a collective of $20,000 lifetime reimbursement on their choice of eligible adoption, fertility and/or surrogacy expenses.”
Stated limit
$20,000 lifetime
One shared lifetime amount for adoption, fertility and surrogacy expenses together, paid as a reimbursement.
“Our Family Planning Reimbursement provides flexibility to eligible U.S.-based employees with up to a collective of $20,000 lifetime reimbursement on their choice of eligible adoption, fertility and/or surrogacy expenses.”
Can part-time Bank of America workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Bank of America does not say on its public pages whether part-time workers qualify.
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Bank of America: stated limit
$20,000 lifetime
US: one cycle all in
$25,000–$32,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- $20,000 is less than one typical cycle, so expect to pay the rest yourself.
These are cash prices. A plan pays its own negotiated rates, and you still owe its deductible and coinsurance, so treat this as a rough guide.
Six things to ask Bank of America before you count on it
A public benefits page is a summary. The plan document for your own plan and location is what the plan pays by.
- 1.What is the lifetime maximum, and do fertility drugs count toward it or have their own limit?
- 2.When does coverage start after my hire date, and how many hours a week do I need to keep it?
- 3.Do I need an infertility diagnosis, or prior authorization, before treatment is covered?
- 4.Which fertility clinics near me are in network, and what do I pay if mine is not?
- 5.What are the deductible, the coinsurance and the out-of-pocket maximum on the plan the benefit sits in?
- 6.Are egg freezing, donor eggs or sperm, genetic testing of embryos and embryo storage covered?
State insurance laws reach only fully-insured plans, and 67% of covered US workers are in self-funded employer plans, which set their own fertility benefits whatever the state requires. About 50% of employers with 500 or more workers now cover IVF. A large employer's plan is usually self-funded (80% of covered workers at large firms are in one), so what Bank of America chooses to cover matters more than your state's IVF insurance law.
Bank of America and IVF: common questions
Does Bank of America cover IVF?
Bank of America says it covers fertility treatment for eligible US employees, up to a $20,000 lifetime maximum, but its public pages do not name IVF. Bank of America does not say on its public pages whether part-time workers qualify. Read on Bank of America's own benefit pages on Oct 11, 2026.
How much fertility treatment does Bank of America cover?
Bank of America states this limit: $20,000 lifetime (One shared lifetime amount for adoption, fertility and surrogacy expenses together, paid as a reimbursement.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Bank of America cover IVF for part-time employees?
Bank of America does not say on its public pages whether part-time workers qualify. Eligibility rules are the first thing to confirm with Bank of America before you count on the benefit.
How do I confirm what Bank of America covers?
Ask Bank of America's benefits center for the plan document (the summary plan description) for your own plan and location, and check the lifetime maximum, whether fertility drugs count toward it, whether a diagnosis or prior authorization is needed, and when coverage starts after you are hired. Benefits change each plan year, usually on January 1.
- Employee Benefits & Perks at Bank of America (Bank of America's own page)