Does Citi cover IVF?
What Citi 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
Yes. Citi says it covers IVF for eligible US employees, up to a $24,000 lifetime maximum, plus $7,500 for fertility drugs. Part-time workers can qualify: part-time employees regularly scheduled for 20 or more hours a week are benefits eligible.
What Citi says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“In vitro fertilization (IVF) cycles, including freeze-all cycle (fertilization and culture of embryo)”
Stated limit
$24,000 lifetime, plus $7,500 for drugs
Per family or covered person, whichever is reached first. The $7,500 is for fertility drugs. Coverage runs through Citi's Aetna and Anthem medical plans.
“$24,000 for medical services related to comprehensive fertility services, advanced reproductive technology or elective cryopreservation”
Infertility diagnosis
Citi says you do not need an infertility diagnosis to use the benefit.
“It’s also important to note that an infertility diagnosis is not required to receive fertility benefits.”
Egg freezing
Citi says egg freezing is covered.
“Cryopreservation (freezing) of eggs, when medically necessary or chosen electively”
Adoption and surrogacy
Citi says it reimburses certain adoption and surrogacy expenses up to a lifetime maximum of $30,000 per family.
“Through the Adoption and Surrogacy Assistance Program, Citi reimburses up to a lifetime maximum of $30,000 per family to help with certain expenses.”
Can part-time Citi workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Part-time workers can qualify: part-time employees regularly scheduled for 20 or more hours a week are benefits eligible.
You have to be enrolled in a Citi medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“Part-time employee (regularly scheduled to work at least 20 or more hours a week); and”
“Coverage for fertility services is available to all employees and eligible dependents enrolled in a Citi medical plan, regardless of fertility diagnosis.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Citi: stated limit
$24,000 lifetime, plus $7,500 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
- $24,000 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 Citi 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 Citi chooses to cover matters more than your state's IVF insurance law.
Citi and IVF: common questions
Does Citi cover IVF?
Yes. Citi says it covers IVF for eligible US employees, up to a $24,000 lifetime maximum, plus $7,500 for fertility drugs. Part-time workers can qualify: part-time employees regularly scheduled for 20 or more hours a week are benefits eligible. Read on Citi's own benefit pages on Oct 11, 2026.
How much IVF does Citi cover?
Citi states this limit: $24,000 lifetime, plus $7,500 for drugs (Per family or covered person, whichever is reached first. The $7,500 is for fertility drugs. Coverage runs through Citi's Aetna and Anthem medical plans.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Citi cover IVF for part-time employees?
Part-time workers can qualify: part-time employees regularly scheduled for 20 or more hours a week are benefits eligible. You have to be enrolled in a Citi medical plan to use it. Eligibility rules are the first thing to confirm with Citi before you count on the benefit.
Does Citi cover egg freezing?
Yes. Citi says egg freezing is covered: "Cryopreservation (freezing) of eggs, when medically necessary or chosen electively"
How do I confirm what Citi covers?
Ask Citi'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.
- Citi Benefits: Growing Your Family (live page) (Citi's own page)
- 2025 Citi U.S. Health and Insurance Handbook (Citi's own page, plan year 2025)