Does Costco cover IVF?
What Costco publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
Yes. Costco says it covers IVF for eligible US employees, up to 3 cycles. Part-time workers can qualify: full-time and part-time hourly employees become eligible on the first of the month after 60 days of continuous service, and must average at least 23 paid hours a week (20 in Hawaii) to keep coverage. The benefit is run by Aetna.
What Costco says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“The Aetna medical plans cover services to diagnose the underlying medical cause of infertility and provide certain benefits to treat infertility for enrolled employees, spouses and domestic partners.”
Stated limit
3 cycles
Three cycles of IVF and frozen embryo transfer, and six ovulation induction cycles, per family for life, when medically necessary. Fertility drugs have their own $50,000 lifetime maximum.
“For example, the plans cover up to six ovulation induction (OI) cycles and, if warranted, up to three cycles of Advanced Reproductive Technology (ART) (i.e., in vitro fertilization and frozen embryo transfer). These are lifetime limits and apply per family, and the covered individual must meet medical necessity requirements.”
Run by Aetna
Aetna administers the fertility benefit for Costco, so it is the one to call about which clinics are in network and what needs approval first.
“The Aetna medical plans cover services to diagnose the underlying”
Can part-time Costco 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: full-time and part-time hourly employees become eligible on the first of the month after 60 days of continuous service, and must average at least 23 paid hours a week (20 in Hawaii) to keep coverage.
You have to be enrolled in a Costco medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“For each measurement period ending after you become eligible, you must average at least 23 eligible paid hours per week (20 in Hawaii) to maintain eligibility and continue coverage for most benefit options.”
“Full-time and part-time hourly employees (other than those listed above) First day of the month after 60 days of continuous service”
“Eligible full-time and part-time employees who are classified as “part-time” for benefits purposes may enroll in Aetna Select for Part-Time Employees.”
Six things to ask Costco 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 Costco chooses to cover matters more than your state's IVF insurance law.
Costco and IVF: common questions
Does Costco cover IVF?
Yes. Costco says it covers IVF for eligible US employees, up to 3 cycles. Part-time workers can qualify: full-time and part-time hourly employees become eligible on the first of the month after 60 days of continuous service, and must average at least 23 paid hours a week (20 in Hawaii) to keep coverage. The benefit is run by Aetna. Read on Costco's own benefit pages on Oct 11, 2026.
How much IVF does Costco cover?
Costco states this limit: 3 cycles (Three cycles of IVF and frozen embryo transfer, and six ovulation induction cycles, per family for life, when medically necessary. Fertility drugs have their own $50,000 lifetime maximum.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Costco cover IVF for part-time employees?
Part-time workers can qualify: full-time and part-time hourly employees become eligible on the first of the month after 60 days of continuous service, and must average at least 23 paid hours a week (20 in Hawaii) to keep coverage. You have to be enrolled in a Costco medical plan to use it. Eligibility rules are the first thing to confirm with Costco before you count on the benefit.
How do I confirm what Costco covers?
Ask Costco's benefits center or Aetna 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.
- Costco 2026 Health Care Summary Plan Description (costcobenefits.com guest access, under Benefit Documents & Forms) (Costco's own page, plan year 2026)