Does EY cover IVF?
What EY 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. EY says it covers IVF for eligible US employees, up to a $50,000 lifetime maximum. EY does not say on its public pages whether part-time workers qualify (for fertility services you must be enrolled in an EY Medical Plan other than an HMO). The benefit is run by WINFertility.
What EY says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“For those trying to welcome a child through assisted reproductive technology procedures (e.g., in vitro fertilization), adoption or surrogacy, there is a combined $50,000 lifetime maximum benefit per family to help cover the cost.”
Stated limit
$50,000 lifetime
One lifetime maximum per family shared by assisted reproductive technology, adoption and surrogacy.
“For those trying to welcome a child through assisted reproductive technology procedures (e.g., in vitro fertilization), adoption or surrogacy, there is a combined $50,000 lifetime maximum benefit per family to help cover the cost.”
Run by WINFertility
WINFertility administers the fertility benefit for EY, so it is the one to call about which clinics are in network and what needs approval first.
“In partnership with EY, WIN is here to support you with comprehensive family-building and family well-being benefits.”
Can part-time EY workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
EY does not say on its public pages whether part-time workers qualify (for fertility services you must be enrolled in an EY Medical Plan other than an HMO).
You have to be enrolled in a EY medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“For fertility services, you must be enrolled in an EY Medical Plan, excluding a Health Maintenance Organization”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
EY: stated limit
$50,000 lifetime
US: one cycle all in
$25,000–$32,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- $50,000 is enough for about 1 to 2 typical cycles at those prices.
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 EY 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 EY chooses to cover matters more than your state's IVF insurance law.
EY and IVF: common questions
Does EY cover IVF?
Yes. EY says it covers IVF for eligible US employees, up to a $50,000 lifetime maximum. EY does not say on its public pages whether part-time workers qualify (for fertility services you must be enrolled in an EY Medical Plan other than an HMO). The benefit is run by WINFertility. Read on EY's own benefit pages on Oct 11, 2026.
How much IVF does EY cover?
EY states this limit: $50,000 lifetime (One lifetime maximum per family shared by assisted reproductive technology, adoption and surrogacy.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does EY cover IVF for part-time employees?
EY does not say on its public pages whether part-time workers qualify (for fertility services you must be enrolled in an EY Medical Plan other than an HMO). You have to be enrolled in a EY medical plan to use it. Eligibility rules are the first thing to confirm with EY before you count on the benefit.
How do I confirm what EY covers?
Ask EY's benefits center or WINFertility 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.
- EY Better You public benefits site (hosted by Alight for EY; reached from ey.com/en_us/careers/total-rewards): Physical wellbeing, Pathways to Parenthood (benefits administrator's page for this employer)
- Ernst & Young WINFertility (WIN program page for EY members) (benefits administrator's page for this employer)