Does Goldman Sachs cover IVF?
What Goldman Sachs 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
Goldman Sachs says it covers fertility treatment for eligible US employees, up to a $50,000 lifetime maximum, but its public pages do not name IVF. Part-time workers can qualify: its benefits are generally available to full-time and part-time US employees who work at least 20 hours a week.
What Goldman Sachs says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
Fertility treatment is covered; IVF is not named
“Lifetime maximum benefit of $50,000 for fertility related medical and prescription drug expenses when enrolled in a Goldman Sachs medical plan;”
Stated limit
$50,000 lifetime
Covers fertility-related medical and prescription drug expenses together.
“Lifetime maximum benefit of $50,000 for fertility related medical and prescription drug expenses when enrolled in a Goldman Sachs medical plan;”
Adoption, donation and surrogacy
Goldman Sachs says it provides a lifetime maximum of $50,000 toward the expenses of adoption, egg and sperm donation and surrogacy.
“Lifetime maximum benefit of $50,000 to assist with the expenses associated with adoption, egg and sperm donation and surrogacy”
Can part-time Goldman Sachs 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: its benefits are generally available to full-time and part-time US employees who work at least 20 hours a week.
You have to be enrolled in a Goldman Sachs medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“following benefits and offerings are generally available to active, non- temporary, full-time and part-time US employees who work at least 20 hours per week.”
“Lifetime maximum benefit of $50,000 for fertility related medical and prescription drug expenses when enrolled in a Goldman Sachs medical plan;”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Goldman Sachs: 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 Goldman Sachs 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 Goldman Sachs chooses to cover matters more than your state's IVF insurance law.
Goldman Sachs and IVF: common questions
Does Goldman Sachs cover IVF?
Goldman Sachs says it covers fertility treatment for eligible US employees, up to a $50,000 lifetime maximum, but its public pages do not name IVF. Part-time workers can qualify: its benefits are generally available to full-time and part-time US employees who work at least 20 hours a week. Read on Goldman Sachs' own benefit pages on Oct 11, 2026.
How much fertility treatment does Goldman Sachs cover?
Goldman Sachs states this limit: $50,000 lifetime (Covers fertility-related medical and prescription drug expenses together.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Goldman Sachs cover IVF for part-time employees?
Part-time workers can qualify: its benefits are generally available to full-time and part-time US employees who work at least 20 hours a week. You have to be enrolled in a Goldman Sachs medical plan to use it. Eligibility rules are the first thing to confirm with Goldman Sachs before you count on the benefit.
How do I confirm what Goldman Sachs covers?
Ask Goldman Sachs' 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.
- Goldman Sachs US Benefits Program (benefits summary PDF, undated) (Goldman Sachs' own page)