Does Best Buy cover IVF?
What Best Buy 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
Best Buy says it covers fertility treatment for eligible US employees, up to $10,000, plus $5,000 for fertility drugs, but its public pages do not name IVF. Best Buy does not say on its public pages whether part-time workers qualify (the fertility coverage is for employees enrolled in a Best Buy health plan).
What Best Buy 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
“If you are enrolled in a Best Buy health plan, you may be eligible to receive coverage of up to $10,000 for fertility treatment services and up to $5,000 for related pharmacy costs.”
Stated limit
$10,000, plus $5,000 for drugs
The $5,000 is for related pharmacy costs. Best Buy's 2027 benefits guide does not say whether the amounts are per year or for life.
“If you are enrolled in a Best Buy health plan, you may be eligible to receive coverage of up to $10,000 for fertility treatment services and up to $5,000 for related pharmacy costs.”
Adoption and surrogacy
Best Buy says that after six months of service employees can be reimbursed up to $15,000 for adoption or surrogacy expenses.
“After six months of service, you are eligible to receive reimbursement of up to $15,000 for adoption- or surrogacy- related expenses.”
Can part-time Best Buy workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Best Buy does not say on its public pages whether part-time workers qualify (the fertility coverage is for employees enrolled in a Best Buy health plan).
You have to be enrolled in a Best Buy medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“If you are enrolled in a Best Buy health plan, you may be eligible to receive coverage of up to $10,000 for fertility treatment services and up to $5,000 for related pharmacy costs.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Best Buy: stated limit
$10,000, plus $5,000 for drugs
US: one cycle all in
$25,000–$32,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- $10,000 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 Best Buy 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 Best Buy chooses to cover matters more than your state's IVF insurance law.
Best Buy and IVF: common questions
Does Best Buy cover IVF?
Best Buy says it covers fertility treatment for eligible US employees, up to $10,000, plus $5,000 for fertility drugs, but its public pages do not name IVF. Best Buy does not say on its public pages whether part-time workers qualify (the fertility coverage is for employees enrolled in a Best Buy health plan). Read on Best Buy's own benefit pages on Oct 11, 2026.
How much fertility treatment does Best Buy cover?
Best Buy states this limit: $10,000, plus $5,000 for drugs (The $5,000 is for related pharmacy costs. Best Buy's 2027 benefits guide does not say whether the amounts are per year or for life.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Best Buy cover IVF for part-time employees?
Best Buy does not say on its public pages whether part-time workers qualify (the fertility coverage is for employees enrolled in a Best Buy health plan). You have to be enrolled in a Best Buy medical plan to use it. Eligibility rules are the first thing to confirm with Best Buy before you count on the benefit.
How do I confirm what Best Buy covers?
Ask Best Buy'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.
- Best Buy 2027 Benefits Guide: Support for you (Growing your family) (Best Buy's own page, plan year 2027)