Does Eli Lilly cover IVF?

Eli Lilly does not state a dollar or cycle limit on its public pages. That does not mean the benefit is unlimited: the limit is in the plan document its benefits center can send you.

1. 1.What is the lifetime maximum, and do fertility drugs count toward it or have their own limit?
2. 2.When does coverage start after my hire date, and how many hours a week do I need to keep it?
3. 3.Do I need an infertility diagnosis, or prior authorization, before treatment is covered?
4. 4.Which fertility clinics near me are in network, and what do I pay if mine is not?
5. 5.What are the deductible, the coinsurance and the out-of-pocket maximum on the plan the benefit sits in?
6. 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 Eli Lilly chooses to cover matters more than your state's IVF insurance law.