Does ConocoPhillips cover IVF?
What ConocoPhillips publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Re-checked quarterly · checked Oct 30, 2026
Yes. ConocoPhillips says it covers IVF for eligible US employees, up to a $20,000 lifetime maximum, plus $10,000 for fertility drugs. Part-time workers can qualify: regular part-time employees scheduled to work on average at least 20 hours a week are eligible for the Employee Medical Plan. The benefit is run by Maven.
What ConocoPhillips says it covers
Read on Oct 30, 2026. The words in quotation marks are the source's own.
IVF is covered
“Fertility treatment consisting of in-vitro fertilization and artificial insemination up to a lifetime maximum of $30,000 ($20,000 for medical services and $10,000 for prescription drugs and injections).”
Stated limit
$20,000 lifetime, plus $10,000 for drugs
IVF and artificial insemination together: $20,000 for medical services and $10,000 for prescription drugs and injections, for life.
“Fertility treatment consisting of in-vitro fertilization and artificial insemination up to a lifetime maximum of $30,000 ($20,000 for medical services and $10,000 for prescription drugs and injections).”
Run by Maven
Maven administers the fertility benefit for ConocoPhillips, so it is the one to call about which clinics are in network and what needs approval first.
“Enrolled individuals have access to the Maven Clinic’s Fertility and Family Building app, which offers 1:1 dedicated care advocates personalized plans and online educational classes to support the journey to parenthood.”
Can part-time ConocoPhillips 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: regular part-time employees scheduled to work on average at least 20 hours a week are eligible for the Employee Medical Plan.
You have to be enrolled in a ConocoPhillips medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“Regular part-time employees must be regularly scheduled to work on average at least 20 hours per week.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
ConocoPhillips: stated limit
$20,000 lifetime, plus $10,000 for drugs
US: one cycle all in
$23,000–$30,000
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 ConocoPhillips 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 ConocoPhillips chooses to cover matters more than your state's IVF insurance law.
ConocoPhillips and IVF: common questions
Does ConocoPhillips cover IVF?
Yes. ConocoPhillips says it covers IVF for eligible US employees, up to a $20,000 lifetime maximum, plus $10,000 for fertility drugs. Part-time workers can qualify: regular part-time employees scheduled to work on average at least 20 hours a week are eligible for the Employee Medical Plan. The benefit is run by Maven. Read on ConocoPhillips' own benefit pages on Oct 30, 2026.
How much IVF does ConocoPhillips cover?
ConocoPhillips states this limit: $20,000 lifetime, plus $10,000 for drugs (IVF and artificial insemination together: $20,000 for medical services and $10,000 for prescription drugs and injections, for life.). For comparison, one IVF cycle in the US typically costs $23,000 to $30,000 all in.
Does ConocoPhillips cover IVF for part-time employees?
Part-time workers can qualify: regular part-time employees scheduled to work on average at least 20 hours a week are eligible for the Employee Medical Plan. You have to be enrolled in a ConocoPhillips medical plan to use it. Eligibility rules are the first thing to confirm with ConocoPhillips before you count on the benefit.
How do I confirm what ConocoPhillips covers?
Ask ConocoPhillips' benefits center or Maven 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.
- ConocoPhillips 2026 Employee Benefits Handbook (Effective January 1, 2026), Employee Medical Plan SPD (ConocoPhillips' own page, plan year 2026)